BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: Block, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX my daughter tried to make a purchase with her cashapp but it said declined for your protection she tried to call to find out why cause she had {$100.00} in there from her birthday. They told her a special team is looking into it but I would have to call as I am the sponsor on her account, I called to find out what is going on and they told me what they told my daughter they said I should receive an email. So I waited on XXXX XXXX her school financial aid was direct deposited and on XX/XX/XXXX her paycheck was deposited she attempted to transfer her funds to her new bank account but it was declined, from XX/XX/XXXX to XX/XX/XXXX I called everyday to get them to release her money I even spoke to a supervisor and again I got the same response on every phone call a special team is handling the issue and I will receive an email it is now XX/XX/XXXX and my daughter still has no access to her paycheck or her financial aid money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MD
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:
went to a car dealership shopping for a car on XXXX. The car salesman did not have permission to run my credit report with 10 + different companies. I requested for these inquiries to be removed, I have also filed a complaint with identitytheft.gov.

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 2022-08-17
Company: EQUIFAX, INC.
State: CA
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:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} and XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day. 

The account was with target which is owned by TD Bank. I was issued a store card in XXXX. The amount eventually was approx {$3000.00} dollars. I used the card 2 times to purchase sundries and then approx {$200.00} worth of lamps which did not work after a week and which I took back for a credit. 

At first Target billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called Target again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well. 

Approx. 6 months later I began to get collection letters for the {$200.00} which I disputed, explaining the card was closed. Nothing was due on it and that Target/TD bank should be contacted. 

Today, XXXX  XXXX  XXXX  sent me a letter stating that the balance owed is {$3500.00}. For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all. 
Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will. 


XXXX  XXXX  XXXX  XXXX  File Number : XXXX Account Ending In : XXXX Balance : {$3500.00} XXXX XXXX TD Bank XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Chime Financial Inc
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chime bank will not refund me money from a dispute. The customer service is horrible they treat you like a robot and just read verbatim a script instead of answering simple questions. I was overcharged by a company and was expected a refund that I never got and filed a dispute and they denied my claim. This bank needs to be shut down theres nothing but complaints and problems with people being returned money. They claim they cant even give me a temporary credit because of regulation e.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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: Public record information inaccurate

Complaint:
I have previously disputed Public Record/Bankruptcy / Reference # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2021-07-17
Company: Credit Bureau Services, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ambulance bill from XX/XX/2018 for {$1300.00} was paid by XXXX. Whatever amount was paid by XXXX is the only amount XXXX XXXX XXXX can collect as part of XXXX Ambulance Billing Practices which both XXXX XXXX XXXX and Credit Bureau Services are in violation of. I contacted both companies XX/XX/XXXX via mail, neither company has responded and are still trying to collect on a paid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Westlake financial is reporting to the credit bureaus that my car has been repossessed and the account is closed. I still have the car in my possession, and current on payments. They have destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need the fraud alert removed. It 's okay now.

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 2023-04-10
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX through the XXXX and XXXX, my son added a card to my cash app account without permission. He proceeded to take money off of the card into my cash app account which was approved. He then removed that card. A few days later I had ro cancel that card due to the unauthorized transaction. The money that he had moved was previously was not affected as it had already been spent. On XX/XX/XXXX I get several notifications that my add cash had failed from XX/XX/XXXX and XXXX and XXXX. This resulted I'm a negative balance of - {$730.00} of which I do not have as the transactions from the listed dates went through. I reached out to their support which said, " The {$300.00} Add Cash transaction from XX/XX/23 at XXXX XXXX was disputed for the bank and the debit card ending in XXXX. This card was linked to your account on XX/XX/23 at XXXX XXXX. 

As a result, the Add Cash transaction was reversed and the funds were removed from your balance. For next steps or more information, please reach out to your bank. '' The issue is that the money had already been spent by that time and was no longer in my cashapp balance. My bank does not have any further instruction for me. I also can not repay money that I borrowed from cash app as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX Over the last several years, XXXX, Equifax, XXXX has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX  Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX & XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXX XXXX XXXX  Banks Inquiry for Individual XXXX XXXX, XXXX No Action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I keep sending letters in regard to a bankruptcy that they claim has been verified by XXXX XXXX but the information they are reporting does not match the XXXX XXXX Report, Transunion, XXXX  or XXXX  report. I also looked on Pacer and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by TransUnion, XXXX and XXXX  and XXXX XXXX about this. 

Name My name has only been XXXX XXXX XXXX. TransUnion has a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy TransUnion, XXXX, XXXX, XXXX and XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match XXXX  confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for XXXX  shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided by XXXX  in there investigation results provided on XX/XX/20. 

TransUnion File # XXXX dated XX/XX/20 Bankruptcy Court TransUnion US Bankruptcy Court with address XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX XXXX Report # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files TransUnion XXXX XXXX  XXXX XXXX  XXXX and XXXX shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to TransUnion. Why was my report incomplete from XXXX. Why isn't XXXX XXXX telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?

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 2023-03-26
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I reported the following incident to cash app : I've had a theft. I had to file a Police report. A " so called '' XXXX  XXXX siphoned out about $ XXXX and l left me with {$0.00}. I question and find Cash App negligent in not catching this as I DONT have a history with this person, and why send her money in small batches within seconds of each other????? 

Their answer : XXXX XXXX, This is XXXX with Cash App Disputes. Let me give you more details about it. 

Based on the information available, our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. 

Date Status Amount Sender Recipient XX/XX/23 at XXXX XXXX Paid Out {$190.00} XXXX XXXX XXXX XXXX XXXX XX/XX/23 at XXXX XXXX Paid Out {$200.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$100.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$100.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$50.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX Out {$50.00} XXXX A XXXX XXXX XXXX Additionally , you are entitled to request the documents upon which our denial was based. To initiate this request, please click here ( XXXX XXXX XXXX ). Note : You must click this link on your phone and have the app downloaded to launch this link. 

If you would like to open a new claim with additional information for the investigation, you may create a new case using that information here XXXX XXXX XXXX XXXX XXXX 

For your reference, the case number associated with this claim decision is XXXX. 

Now that weve closed this investigation, youll need to open a new case if you need further assistance for a different issue from Support. Heres how : a. In your app here ( XXXX XXXX XXXX  ) b. Call us at XXXX. 

For more ways to contact Cash App Support, check out XXXX XXXX XXXX 

We also recommend securing your account by following Cash Apps Security Best Practices ( XXXX XXXX XXXXXXXX ). 

We appreciate your patience and cooperation throughout the dispute claim process. 

XXXX Cash App Dispute Team ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} and XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-04-10
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2023 XXXX I made an ATM withdrawal inside XXXX, after I walked over to pay for my stuff at the register then I got home I walk in the door to my house I get a message saying my card has been charged at XXXX XXXX XXXX You spent {$170.00} at XXXX XXXX XXXX. Pro tip - avoid a large temporary hold from the gas station by paying at the register inside XX/XX/2023, XXXX XXXX  then I tried to dispute it and it was declined I went the merchant and the lady told me that they can't do anything to contact my bank I've tried to dispute this 4 times and still won't help me. I received another message XX/XX/2023, XXXX XXXX  Your {$170.00} temporary authorization at XXXX XXXX XXXX  has been updated to {$100.00}, your actual refuel amount I tried to dispute and its denied I don't know what to do next that's why I'm contacting you guys, to see if you can help me my card went from XXXX to XXXX XXXX XXXX  how? This was an unauthorized purchase/transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Credit Management Control, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past several months I have been trying to get these accounts resolved. Credit Management Control request that I send them proof of address in which I have. I have yet to get a written response from them and it has been more than 30 days. This account is fraud and needs to be deleted asap. I have attached an ID Theft affidavit, my ID and proof of address ( XXXX XXXX XXXX statements from XXXX ; which was requested by Credit Management control ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, A stranger logged into my account and ordered merchandise without my knowledge or permission. When I noticed this the following day, I called Kohls to stop the shipment because XXXX had not received it yet at that time. I explained to them that this was a fraudulent charge and to stop the shipment, but they did nothing even though they had every opportunity to do so due to the fact that they still had the merchandise. I filed the fraud charge and they still have not investigated it or removed the charge from my credit card. They said this may take 60 days! That would cause me to have late fees, interest charges and it could affect my credit score by having a higher balance on the credit card. They put a restriction on my account because of the fraud and i am unable to order merchandise without contacting them and I called them. Even after contacting them because they said that they were not able to verify my phone number, I am unable to place my order. The merchandise that I want to order can only be ordered online and not in the store. This is a huge headache and no one there will do anything to help. Most of the time when I have requested a supervisor they refuse to transfer the call.

Company response to consumer: Closed with monetary relief