BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is in regards to Weltman, Weinberg, and Reis, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX who are representing XXXX XXXX  as a debt collector. In a hearing held on XX/XX/XXXX, Weltman, Weinberg, and Reis agreed to settle the debt for {$2600.00} with {$1100.00} paid from a XXXX XXXX  transfer leaving a total of {$1500.00}. We were then advised to make monthly payments of XXXX dollars per month that increased to XXXX dollars per month beginning XX/XX/XXXX. We have been sending money monthly and while not always able to pay the XXXX per month we have diligently sent in a payment of at least {$50.00} every month. Since this judgment, I have paid a total of XXXX, which should leave a balance of {$500.00} at this time. I received a letter from Weltman, Weinberg, and Reis dated XX/XX/XXXX that outlined the judgement, the amount owed, the amount payed, and the remaining balance of XXXX. In this letter there is no mention whatsoever of additional interest and fees. After missing a payment in XXXX of XXXX due to loss of employment from the Corona Virus, we received a letter from Weltman, Weinberg and Reis dated XXXX, XXXX with a noted balance due of XXXX. Seeing this balance, which is more than the agreed upon settlement, led me to call Weltman, Weinberg, and Reis. I spoke with a representative on Monday XX/XX/XXXX who informed me that we were being charged interest and there were also court fees in the amount of XXXX applied to our balance. The representative was not able to provide me with a balance as a start number from in XXXX of XXXX. I was led to believe that number was the agreed upon settlement balance of XXXX. 

Not only did Weltman, Weinberg, and Reis not act in good faith but they deliberately set us up for failure of repaying this debt. While we have been making payments each month the total has been increasing unbeknownst to us. The total is now almost double what we originally owed, and while we thought we were close to paying off our debt we are now even further in debt. We have never received any type of statement from Weltman, Weinberg, and Reis demonstrating our payments, informing us of the interest applied to the amount, and that the balance has continuously gone up due to the interest or whatever other fees have been applied without our knowledge. We feel we are owed at least an adjustment to our balance accordingly due to Weltman, Weinberg, and Reis not acting in good faith and being deliberately obscure with and withholding the details of our repayment. 

Thank you for your time and consideration of this matter. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 Citi bank randomly closed and froze my bank account with over {$6000.00}, my only money. Im a single father with XXXX children, I tried to e-deposit a scholarship check and my account was frozen within 3 hours.

I called Citi-Bank and they said it would take 60-80 days to get my money.

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 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I sent a letter to XXXX  and Trans Union on XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. To my understanding, they are supposed to respond within 30 days, but they have not.

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 2020-05-29
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX. I made an attempt to Call Cash. App. I went on their cash app, it does not have a phone number or an email contact. I went on XXXX and asked for Cash App Customer Service I got XXXX XXXX XXXX. I called they answered Cash app. I told them I sent XXXX to a person in era. They had one number off from who I was suppose to send it to. They said, that person is saying I am fraud, and they need to verify who I am. They said my account with Cash app is frozen. But they will transfer the money to XXXX account directly. They told me to put in some codes. I did. Then all of a sudden. I go what is taking so long. They had pulled ( 4 transactions from my accounts ) XXXX from my account {$500.00} and {$99000.00}. and {$990.00} in total {$4800.00} from my accounts the Savings and the Checking with XXXX XXXX XXXX. I have tried to call the numbers. They say my number is blocked. When I hung up on them to go to the bank they called me back on a couple numbers, and these are now blocked. XXXX XXXX XXXX and XXXX XXXX XXXX. I can't reach anyone. XXXX is in the process of getting me a refund. But I am hearing and reading a lot of complaints of people getting scammed because cash app doesnt have a way to reach them so those who are scammers and putting in a false number and cleaning people out. Please help. Please help me, while helping so many others get justice. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2023-06-28
Company: Constar Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Called To Get More Information On A Debt Through XXXX XXXX. I Was Wanting To Pay Off An Account And Get The Information Deleted Off My Report. I Spoke With A Lady Agreeing That This Could Happen. So On XX/XX/XXXX I Paid The Account Off But Now XX/XX/XXXX The Account Is Still Listed On My Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Risecredit, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my Rise account in full on XX/XX/2018. I've since contacted the company numerous times as the loan is still showing as open and active on my credit report. I have yet to receive a response.

In addition, the account has not been reported to the credit union as current in XX/XX/XXXX or XX/XX/2018.

It reported in XX/XX/XXXX and XX/XX/XXXX, but stopped thereafter.

This account should be updated to reflect on time payments in XX/XX/XXXX and XX/XX/XXXX, and should also reflect paid-in-full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: FISERV INC.
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I believe I received an EIP debit card in a white envelope and put it in the trash as junk mail. The IRS website stated that the payment was sent out the week of XX/XX/2020. But we ( my wife and I ) have not received any payment from the government but may have received, as I recall, a unsolicited envelope from Money Network. Money Network would not reissue or replace the lost Economic Impact Payment ( EIP ) debit card or advise whether the card was issued without providing a social security number even though we had to provide a portion of the SS # to gain access to a representative ; they insisted on the full social security number for identification purposes or to even look up information. This practice is in violation of FTC 's instructions, as well a federal law, on its secure website that specifically states " Dont give them your Social Security or debit card number, or any other information. Then report it to the FTC at ftc.gov/complaint which I did. I am reporting the company for violation of scamming, attempting to scam, requiring a social security number as a form of identification and as a scam intended to steal money issued under the stimulus payment Economic Impact Payment program. We are unable to obtain any information regard the EIP payment or debit card. We are unable to collect the stimulus money issued to us because of the corrupt practices of the company. I am unable to assess whether the card was issued, the status of the card or any other information other than the IRS website stating the the money was sent XX/XX/2020. This appears to be an attempt to retain money issued under the EIP program by the company. The amount involved is the reported {$2400.00} that would have been issued under the EIP program. Without addressing this issue the potential is {$100.00} 's of millions or more will be lost by people unable to obtain and unknowingly lose their EIP payments as a result of this company and the failure of the government to adequately inform people that they were issuing EIP payment by a third party and to be aware of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TrueAccord Corp.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collector repeatedly emails me about a XXXX debt that is not mine. I sent a cease and desist letter and he still contacts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-12
Company: EQUIFAX, INC.
State: AZ
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:
According to the Federal Act everything on my consumer report should be 100 % accurate. How did the company do an investigation to my account if its reporting different information in every bureau. Please delete derogatory misleading information. XXXX XXXX ; XXXX I have attached a copy underwriting misleading information. You are violating my rights under 1581USC 1681A ( 2 ) a ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a checking account with First Horizon Bank on XX/XX/2020 and was immediately denied for their free checking. They use a system known as XXXX  to measure worthiness of banking with this institution and provide a score and report based off of several factors. The reasons listed from First Horizon that I was denied the ability to open a checking account were 1. TIME AT CURRENT ADDRESS 2. TIME SINCE NON-DDA INQUIRY ACTIVITY 3. ASSET OWNERSHIP HISTORY 4. NON-DDA INQUIRY OR RETAIL ITEM HISTORY. I immediately ordered a report from XXXX  to discover that there are few incorrect pieces of information on the report, but otherwise nothing negative. I was given a " wealth index '' score and scored low due to the fact that I own no property, I have no other derogatory marks. I called the local branch and asked them to explain to me why I was declined. The person I spoke with asked to see the reports and after looking couldn't really say much of what was wrong other than the line that says " non-derogatory marks '' which for me is listed as " 4 ''. I asked if non- meant something I am unaware of because non- to me means " not '' derogatory so I still did not understand why they were declining me for a simple free checking account. She ended up being over the conversation and said that she was sorry, due to their regulations there was nothing she could do to open a bank account for me. She stated directly to me that they do not serve customers who " have mismanaged their finances '' and who have " poor credit. '' I am not a person of color, but I am young and I have little wealth. Thus, this institution has determined I can not bank with them and they will not look at my personal situation and road to recovery to do so. I would bet a ton of money on the FACT that the majority of the people they decline would lie within certain regions, be of certain wealth levels, and include a majority of people of color. XXXX  goes further than a soft credit check and contains inaccurate information that is nearly impossible to dispute, the branch was unempathetic to this and as I mentioned, went as far to insult my past claiming it as irresponsible, and further denying me a chance to bank locally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
There is a " purchase adjustment '' on my account for {$170.00} that I wasn't notified about by Capital One. It's charged to my account as of XX/XX/2020. It appears to be attached to a return to sharper image when Shaper Images website and phone weren't working. 

Capital One told me to NOT WORRY about sending the product back if the company wasn't responding. 

Sharper Image eventually sent me a coupon and admission for their error. Why did Capital One recharge me after their representative told me I didn't have to worry about sending the item back? 

And why didn't Capital One contact me if Capital One changed its mind

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have been disputing these erroneous accounts for over a year please help me. 

( no name ) act # XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX # XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) At # XXXX {$930.00} XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX VA XXXX XXXX {$1600.00} XXXX no name XXXX act # XXXX {$240.00} ( no name XXXX act # XXXX {$100.00}

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 2020-07-27
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : 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 2018-09-30
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX # : XXXX is lost/stolen, and all of the transactions on both accounts, are fraudulent and unauthorized, and dont belong to me.

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 2020-05-29
Company: Experian Information Solutions Inc.
State: NV
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 have a vey common name and did not know that other peoples information would be reported on my credit profile. I just stared checking my credit and notice so many accounts that should not be showing on my credit account

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