BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I am not a private citizen to what this pertains to and from the beginning of talking to any governmental body I addressed myself as XXXX XXXX. The account that this matter pertains to has its profile on my end displaying what I want displayed as they give you the option to do so. On our initial verbal contact with the company Cashapp they forced me out of my private capacity to go forward with even addressing the issue that in its self its badgering and illegal. 


I was harmed on both XX/XX/XXXX andXXXX XXXX, XXXX in XXXX  because my financial institution Cashapp who operates out of XXXX XXXXXXXX XXXX let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At times when someone I owed came to collect there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an XXXX XXXX paired with a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I could not remove myself from the situation because my life was being threatened by my body. These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card liability belongs to Cashapp without a doubt. I do not have a borrow allowance for sure and stock round ups accumulated or a lack there of because of these transactions being initiated and technically paid to the merchant. If I didnt faint my heart would have arrested completely to my knowledge. All of this has caused me Extraordinary Emotional Distress as well as pain from what I encountered on the days. My body and mind paid and is paying the overdraft fees of these transactions and the app told the truth of the matter despite everything. It didnt expire it was canceled. It wasnt declined because it wouldve never been there to have been released on another day and would read specifically NOT ENOUGH CASH https : //drive.google.com/drive/folders/10fXkGTstNRQjWtYi7dPN0jxtxl5yeMKE information in this link is, to me, quintessential to understanding where I am coming from. 
I have been told that this is a white collar crime and will need prosecution from The States Attorney. I have received personal injury as a result of this company. The XXXX XXXX and XXXX XXXX are already sending me attorneys who cant represent me on a matter they know requires the States Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: NY
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:
Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. 
Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. 
I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : ( A ) Credit reporting agency name : EQUIFAX Alleged account # ( 1 ) XXXX Creditor XXXX   XXXX, account type : Revolving. 
( 2 ) XXXX XXXX XXXX, account type Revolving. 
( 3 ) XXXX Creditor XXXX  account type revolving. 
( 4 ) XXXX Creditor : XXXX account type Revolving ( 5 ) XXXX  XXXX Creditor PORFOLIO Account type : Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

15 USC 1681 Section 602 states I have a right to privacy, 15 USC 1681 states a Credit Reporting Agency can not furnish an account without my written permission.

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 2019-07-29
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander Consumer USA continues to robocall me after they repossessed my car and stole my personal property in the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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: Investigation took more than 30 days

Complaint:
Asked credit acceptance with a goodwill letter cab they help with 2 late payments with me having a illness causing me to be late then later covid put me out of work. No reply to emails

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 2017-12-16
Company: JPMORGAN CHASE & CO.
State: PA
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:
- I got notification from XXXX XXXX that my score has dropped so I began to research as to why. There were XXXX hard inquiries according to XXXX on XX/XX/XXXX and XX/XX/XXXX from Chase which I have no idea why. 
- I also got an email from XXXX XXXX XXXX on XXXX XXXX stating that my credit card application has been approved but I never applied. 
- I would like for these hard inquiries to be removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. 

On my credit report there is a Charge off from : 1. XXXX XXXX  XXXXXX/XX/XXXX for the amount of {$230.00} & {$150.00} from XX/XX/XXXX. 
2. XXXX XXXX XX/XX/XXXX for the amount of {$380.00}. 
3. XXXX XXXX for {$2200.00} the date is unknown but it was reported XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX for the amount of {$1200.00} 5. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Closed accounts are still on report even though other credit bureaus claimed it was removed, such as lending XXXX, XXXX, XXXX XXXX, and car loans. Also investigations coming back with different responses.

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 2020-06-05
Company: U.S. BANCORP
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : ELAN FIN SVC : XXXX 2019

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 2019-01-09
Company: Innovis
State: NC
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:
XXXX XXXX  is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear XXXX, I am writing to present a case that is related to an unsuccessful saving account opening, which could be resulted from the bank 's internal miscommunication or potential internal misbehavior. The bank 's denial, due to a loose tracking and review of a previously closed case, is blocking my right to access my other credit card and checking accounts, as well as the request to open a saving account. 

I applied for the Citi Accelerate Saving Account on Citi 's website on XX/XX/XXXX and funded the account with my Citi checking account ( {$1500.00} XXXX right after the opening. Starting from XX/XX/XXXX morning, Citi blocked my access to my credit card, checking and the new saving accounts without any notification. 

On XX/XX/XXXX, I tried to communicate with their Twitter Ask_Citi agent, Online Chat agent, Customer Service agent, New Account Creation agent and New Account Fraud Service agent. Through the texts, messages and phone calls, I understood my access to all my accounts was blocked due to the failure of that new saving account creation. Their New Account Agent and New Account Fraud Service agent told me the failure was due to a " negativity of one account '' related to my current address. New Account agent directly told me " Citi is losing money on this account. '' I checked all my documentations related to Citi and realized that " negativity of one account '' can be traced back to my checking account application in winter XXXX. I keep all letters and checks to show I do not owe Citi a cent and vice versa. 

The New Account Fraud Service agent heard my statement and told me Citi is going to send me another debit card, but has to cancel my saving account due to that " negativity '' record, which would be on file for five years. I immediately expressed my concern toward this record because : first, it obviously introduces inconvenience to me when I have transactions with Citi ; second, Citi could possibly use the record to claim their benefit or even call for third-party collection. I insisted this false record should be removed to avoid future problems. The New Account Fraud agent refused my request for further escalation and hung up my phone call directly.

I express my wish to provide the copy of all crucial documents to help Citi clear the internal errors. However, through my communication with so many agents, I see no Citi 's agent is taking ownership to help client resolve an existing issue. This is deteriorating consumer 's rights and creating a very deep fear. I don't know who else can help and therefore I would like to seek help from this platform. If you know anyone else who can help, please pass that information to me. 

Thank you for your help.

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 2023-08-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: CARMEL FINANCIAL CORPORATION, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened a charge account with XXXX XXXX XXXX on XX/XX/2018 and due to some medical issues I missed XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2019-10-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2019-10-14
Company: EQUIFAX, INC.
State: TX
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Eagle Accounts Group, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Mr. XXXX and similar situated consumers or Armed Services employees, has or having been subjected to Title 42USC 601 ( b ) is not positive law or enacted into congress and does not provide unwed mothers any entitlements or unenforceable rights. XXXX XXXX XXXX having been unjustly enriched from this criminal act, admonition use my confidential and personal information to obtain benefits or use XXXX services to date. XXXX entered in agreement with mother [ enjoiner ] in money mach ( " collectively '' ) to extort undue monies from uniformed personnel while defending the country. Courts having examining the material facts, mother conspired or acted with conspiracy with magistrate officer as body or corporation entering defective motion in bad faith, motive Office of Child Support to received and maintain federal funding. Courts shortly or directly after discovery previously reporting to ( OIG ) for  Fraud, Waste and Abuse provided Mr. XXXX a refund check of {$600.00}, obligated to maintain as part of agreement in disgorgement of funds and declaratory relief.

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 2023-06-17
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX. I am writing because today I received a call from XXXX XXXX XXXX  and when I gave my information they seen they contacted the wrong person and I feel that if this is happening then how many other agencies are going to contact me because I have the same name as someone else? Also, on my credit reports I have noticed that there are addresses that do not pertain to me. That's a red flag. I feel these credit reporting agencies and bill collectors are attaching anyone 's information to me because either they have the same name, identical spelling and even the names could be spelled different but yet get attached to me. I have been a victim of identity theft before and this is scary. Something needs to be done about this because I'm sure I'm not the only one having this issue and therefore it can also impact my credit, jeopardize my life, etc. This needs to be addressed because collectors are calling anyone that has the same name and it's troubling.

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 2019-01-22
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I sent a money order to the US department of state with documentation such as birth certificates and marriage documents. Attaches with these documents was a money order for {$320.00} to pay for the application for my wife to come to this country. I was then informed that the money order never arrived, but the documents did I had to pay again this time i used a credit card. I contacted Western Union about the matter and they stated that the money was delivered and someone else cashed the check. I tried to resolve the matter with them as I feel robbed of my {$320.00} which is a lot of income for me as I am retired and XXXX and only receive {$680.00} a month. I will attach a copy of the money order that Western Union provided to me when i tried to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: NC
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:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
i viewed my credit report and seen inaccurate things reporting that did not belong to me i contacted the credit bureaus they informed me that i needed to file a police report i did that and sent the necessary documents in XXXX and Transunion responded and still did not remove the items however XXXX did remove the negative items from my credit file im asking help in this situation ive contacted and reached out to the credit bureaus with little to no results. below i am attaching the documents i received from XXXX and the police report i filed

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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