BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Block, Inc.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Square/Block Inc. - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Lender In XX/XX/2022- I was informed by Square ( payment processor ) that I had a UCC filed under my company. I did a quick search and noticed nothing was under my company through the XXXX of XXXX - Colorado. I also did a national search, not data. I sent multiple emails to Square in regard to the fraudulent UCC filing. Square would not recognize nor accept my evidence. I asked several times for them to provide the record number of the UCC filing. They did not and would not provide any information. The only information was to contact the lender XXXX XXXX- however, in doing so, they were not able to provide that information. 

After several months as I went back and forth with Square asking them to do the due diligence and research my company for UCC filings. They ( the XXXX XXXX  division ) refused to even respond with evidence of this. I was forced to reach out to the lender and work out a payment plan, in order for my funds to be accessible through Square. After 2-3 months of working hard, I was able to pay off the lender. I asked if they could provide me with the original filing of the UCC. I did research on the filing number .... WOW I said to my amazement the UCC was filed with the wrong business name. I mentioned many times to Square that there was not filing under my business name. 

This is classified under the XXXX code as " serious missleading ''. Not accurately checking the correct name of my organization is an egregious mistake and is punishable. 

I 100 % blame Square/Block inc. for not doing their part to accurately check/research the information provided, the customer agent were unprofessional and they could only escalte my issue, which took over 2 days to respond, so I havent ' bee responded to. In total, I lost over XXXX, not beign able to stock inventory, late payments of rent, in the process of eviction at my residence, lost of revenue at business and a drop in credit score b/c of late payment. I was not able to access any of my funds for over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
US BANK IS REFUSING ME TO ACTIVATE MY VISA DEBT CARD VIA XXXX XXXX I NEVER SPOKE WITH THE REP NAMED XXXX XXXX I NEVER EVER SPOKE WITH HER ON THE PHONE ABOUT MY PREVIOUS CASES I OPENED AND WHEN I CALLED THE NUMBER US BANK XXXX CUSTOMER SERVICE THEY SAY THEY NEVER KNOW I OPENED A CASE BY DEFINITION OF A BUSINESS COMPLAINT ANY ONE WHO DEALS WITH YOUR COMPLAINT THAT PARTY HAS TO CALL THE CONSUMER BY PHONE THAT REP WHICH I STATED THE NAME THEY HAVE TO CALL AND GIVE THE INPUT TO THE CUSTOMER ABOUT THE COMPLAINT AND MY COMPLAINT WITH US BANK WAS NOT RESOLVED BY THE REP NOT DISCLOSE HER PHONE NUMBER TO HER OFFICE INCLUDING A EXTENSION NUMBER TO SPEAK ABOUT YOUR COMPLIANT NOT THE CUSTOMER SERVICE LINE IT HAS TO BE THE CORPORATE NUMBER WHO DEALS WITH COMPLAINTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company A - XXXX  XXXX XXXX - reported when a fraudulent purchase put an unknown balance on my card and it became past due because the company failed to notify me. 

Company B - XXXX - put me over the limit with their own fees and never called me or emailed me to reduce the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquiry from XXXX XXXX made on XXXX XXXX, XXXX. I did n't authorize this inquiry. I do n't have or have never been interested in XXXX XXXX. It appears on my Equifax credit report. XXXX XXXX has no automated option to speak to someone about credit inquiries. Selecting any of the other options will not get me to anyone who can help. All calls to Equifax have been met with " your call can not be completed at this time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " AmeriFinancialSolutions LLC ( AFS ). '' The company received my letter on XX/XX/2020 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I received a response back from AFS and they provided me with an itemized statement. They didn't provide me with what I requested in my letter so I can verify the debt. I mailed another letter asking for my proof and I haven't received no response and I'm asking for a request validation of the debt thee say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter. I have attached all the documents to prove my statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX  XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. 

We are now past the 7 year period and XXXX XXXX XXXX continues to report the negative item on our credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax is furnishing reports from XXXX XXXX XXXX XXXX, but i did not give Equifax permission to do so. Pursuant to law 15 USC 1681b ( In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) Equifax has violated my rights and broken the law because I have never given Equifax my written instruction to furnish this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
on or around XX/XX/XXXX my taxes were due for XXXX county in the state of georgia i went to my local post office near my work and place my taxes payment written on my checking account with chase bank i actually went inside of the post office making sure i did not leave it in a mailbox on aroung the XXXX of XX/XX/XXXX i recieved a notice saying XXXX county never recieved my taxes payment eventhou i had checked to verify my check had been cashed after gettin a copy of the check i had sent form chase bank we realized the check had been cashed thru an account with XXXX XXXX i filed a fraud claim closed the acoount but have been told by my bank chase that they must recieve the funds from XXXX eventhou the check was made out to XXXX county tax comissoners i have called several times and only to be told they are waitng for XXXX XXXX XXXX to respond this has been goin on since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Affiliates Management Company
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is in regards to XXXX and not the issuing bank of the credit card. 

Back in XX/XX/XXXX I purchased a vacation package to XXXX fro {$1500.00} to fly in XX/XX/XXXX ; however, COVID-19 forced me to cancel it. I immediately tried to call them but after being on hold for 2 phones to get an agent the line would disconnect or you couldn't even get through at all. I tried this for the next two weeks to get in touch with them. After a month ( XX/XX/XXXX ) of trying to get in touch with XXXX I filed a dispute with my bank in XXXX. They gave a temporary credit for the amount while the dispute process went back through. Since that time they stated that given XXXX 's requirements the dispute had to be closed and the amount was charged back to my account and to work with XXXX to get my money back. So I have now been back in touch with XXXX and they agreed to credit back a portion of the amount back to my card. I have confirmation email from an agent showing the amount they will credit back to my card but then when it gets to their back-end processing agent I get emails saying that they will not do a refund because I have filed a dispute. I have provided them screen shots and verification from my bank that my card has been credited back the amount of the full purchase price and there has not been a refund applied to the card. They continue to say " have you spoken to your bank '' and I have spoken to my bank ( XXXX XXXX XXXX XXXX in XXXX XXXX, SC ) who then called their processing agent and no one can find this supposed credit they said they gave me and I clearly was charged the full amount of the dispute back. I am still trying to get the money back for the amount they have process and this has been taking over 2 months. 

I have called and been left on hold for over 1.5 hours after getting an agent then who came off of hold to play with their child for a bit before realizing that I was no longer on hold and then put my back on hold. After that I went back online to talk with their agents who either confirmed I will get the prorated portion back ( around {$1000.00} dollars ) but then get an email saying I won't because of the dispute or that they have said they already issued the refund back to me for one of the three charges. 

They are refusing to provide any confirmation numbers of the date of times of when they issued the credit and are trying to place the blame on my bank. XXXX already has had a class action lawsuit against them due to their lack of providing refunds and I fear they are back to their old ways again. I can provide y'all with any confirmation statements, emails, screen shots of messages between me and XXXX that you need to help escalate this further. I have attached a zip file to show the most recent communication with XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have XXXX on my PayPal account, they closed my accoumt with no reason, and told me that I need tk wait 180 days to withdraw funds. Its about 1 year ago they told me that. 
My paypal linked to this adress XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my credit report as it is not mine and I did not authorize anyone to use it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: FIRST HORIZON BANK
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We obtained a HELOC loan in XXXX against our home at XXXX XXXX XXXX XXXX, MD XXXX. In XXXX the housing market crashed and they froze the account so we could not use it and we have been making payments ever since. In XX/XX/XXXX they said that the terms have changed and that my payment would be {$950.00} per mo. from under {$300.00} for all those years. 
We noticed on our credit report that they changed this from a HELOC to a VISA credit card, ( which i did not want a credit card ). It shows up as an installment loan and it is affecting our credit score. We have worked very hard to get our credit score up and this has put us at a stand still. We can not refinance because our scores are not high enough because of this VISA card. It appears on our report that we have over {$85000.00} worth of Credit card debt, when in fact our credit cards are less than {$5000.00}, when they changed the status of this HELOC it looks like we have racked up cc bills to {$85000.00}. 
This is also a 2nd trust against our home that shows up. How can it be both? They will not let us refinance because they don't do loans in MD anymore. We do not have {$83000.00} to pay this off, this is supposed to be paid in full when our home sells. 
We are a hard working family, and we feel that we are being taken advantage of, all we ask is they change the way they report this, not like a credit card but a 2nd mortgage., we have no problem with making our payments and paying off when we sell but in the meantime, we really need help getting them to change this. 
We thank you in advance for helping and we look forward to hearing back from you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/XXXX Balance {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to XXXX me if you have any questions or concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When we closed the account I asked by total balance to be paid. I did pay them the total amount. Later, they come back with a new balance due. I told them that I already had talked to someone else about it and paid them. I gave them the name of the people who I spoke with and asked them to check their notes. Then, they said that they will remove the new charges. Months later, I got a letter from a collection company. I had to pay them again the same debt so they could report it to the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: STATE FARM BANK, FSB
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a state farm checking account. I did send a check to them for deposit on XX/XX/XXXX. The check was verify that had funds and valid checking account. I checked if state farm recieved check which they did and process through on their end and did send cancelled check to the bank on XX/XX/XXXX. I went to make a bill pay on XX/XX/XXXX and state farm disabled my log in. They had to check with someone and call me back. No explanation. Funds were there one day and not there the next. The check I deposited had funds and is valid into my state farm account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ON XX/XX/2018 I mailed in a request for investigation to EQUIFAX regarding the collection account XXXX XXXX account XXXX.My dispute centered on that I had emergency XXXX   coverage for the service provided by the original creditor.The response is as attached.The fraudster creditor with EQUIFAX HELP have attempted to steal more and damage a low income person.XXXX XXXX has changed the account number, upped their fee, changed a few dates and created a second account from the first one, leaving both wrongfully appearing on the credit report while ignoring my dispute ... it has only been ten days today since the dispute was mailed to Equifax, so it appears no research was done only compounding the wrongful damages to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Only have a few days worth of info as of XX/XX/XXXX at XXXX. Previous days had been erased. Didn't know they could be reported. 

Calls from XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX Calls from XXXX ( same company ) : XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent of a dispute letter on XXXX stating how these companies are in violation of my consumer rights under the FCRA 15 usc 1681. This was an infringement of privacy nor did i give consent for any of this information to be furnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation