BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: Block, Inc.
State: TN
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:
Over XXXX $ worth of charges to my cash app card that was tied to my bank account by a company called XXXX XXXX XXXX XXXX XXXX. These are unauthorized charges to a social casino. I was instructed by cash app to file disputes for these charges and there are lots of them most are only XXXX $ and up to XXXX $ at a time. So there is a ton I was told to dispute each transaction which took forever but then the denied them, they told me to refile the disputes 2 more times but still denied them. I contacted the merchant ( XXXX  ) they have instructed me and emailed me back stating they are not disputing the refunds they simply are waiting for cash app to send the charges back to them and they will refund them back to cash app and then they can release the funds back to me. However, I can not get anyone from cash app to help me. Everytime I call, email or chat with cash app they are just giving me the runaround. They say XXXX needs to initiate the refunds, XXXX states cash app needs to. Meanwhile as I live in XXXX XXXX tn where we were just hit with a EF3 tornado and left in peril I tell you this is ridiculous. Ive shared all the information from the merchant with cash app. Im told a supervisor or manager will reach back out to me but I never hear anything, I call and email but only response I get is a standard email that accomplishes NOTHING. I think its because there are so many of the transactions that neither cash app or the merchant want to take the time to actually issue the refunds. Thats my guess. However the merchant has emailed me several times telling me that cash app can reach out to them directly to facility the refunds but hasnt received anything from them. Im attaching some of the charges not all because its so many but they have all this information and including the email responses from the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
After hurricane Harvey in XX/XX/2017 I made a claim with Conn 's home plus regarding items lost. I pay for their warranty on all my products. I was told there was a high volume of claims and it would be a while. I waited 6 months, sent them multiple emails, took pictures of the damages as requested, and kept being told to wait. Two years later they have completed ignored me and I can not keep making payments in items I don't have because of damage. They took advantage and have committed fraud against me. I want this solved so I don't have to hire a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IA
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 mishandled my information and I was listed as a potential victim according to their security web site following the recent hack. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

Account Name : FAIR COLLECTIONS & OUTSOURCING Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX inquire date XXXX XXXX  XXXX NA inquire date XX/XX/XXXX XXXX XXXX inquire date XX/XX/XXXX XXXX CO inquire date XX/XX/XXXX XXXX OF XXXX inquire date XX/XX/XXXX XXXX XXXX inquire date XX/XX/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 2022-12-13
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried several times over several weeks submitting documentation supporting my dispute. Every times I get error messages online so I mail them. However, I have seen NO changes.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: CT
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 was an identity theft victim dating back to 2018 with XXXX police reports that were sent to Experian, XXXX and XXXX. It is 4 years later and my credit still a mess so I hired a credit repair company to help me considering no one else helped. Once again Experian put a fraud alert on my credit preventing me from getting a place to live. They refuse to remove it. The identity theft was committed by my ex husband. I do not want my credit reports with any freeze or fraud alerts. I have had enough. Experian refuses to remove and illegally added the alert. XXXX removed immediately with a phone call Please help me as Experian should be fined.

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 2022-09-07
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: VA
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:
The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) a court order d ) employment NONE of these inquiries resulted in any of the above outcomes. 

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 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 2022-09-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a dispute last year regarding my account. My wife and I were traveling for business at the time and I noticed that some money had came up missing out of my account through XXXX XXXX. I immediately contacted chase when I became aware of it. I called in filed the dispute letting chase know that I was traveling for business and that I didnt know the person at all that the XXXX XXXX belonged 2 so the was filled and granted. My wife ended up getting sick so i didnt notice that theres were transactions that were missed and I assumed my financial institution would have done there part but to my utter dismay I was severely mistaken. When I called back in to the claims department the representative was understanding and even went over the other charges with me. Now they are refusing to approve that other transactions that the first representative missed. I escalated it to chase executive office but the Representative that was assigned to the case was rude and very unprofessional. When I asked to speak with his manager they never called. I called back in inquired about the call back from his manager because it had been about two weeks and I still didnt hear anything they informed me that his manager would reach out to me in 24 to 48hrs. Upon receiving a call back it was from the same rep that I was speaking with requesting a call back from his supervisor. He stated that he was calling on behalf of his manager, Also that the decision for the claim didnt change they still werent going to help me. After that I called back in requesting a call back from his manager again upon her calling back she wasnt helpful either. When I asked her for the approved transactions she gave them to me but they coincides with each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: FREEDOM FINANCIAL NETWORK
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 in a letters on XX/XX/22 letting transunion, XXXX and XXXX know they violated my consumer rights. Under 15 U.S.C 1681 ( a ) ( 4 ) " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
XXXX sent me back a RESEARCH REQUEST FORM XXXX did not send anything back. 
trans union sent back the account been verified. 

I didn't asking for nothing back. they violated my consumer rights. 
how did they verified this account and the courts send me a letter saying they don't give out my information. This is fraud they got my personal information without my consent.

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 2018-06-03
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter of concern as told by collection Agency by email and fax. I attached my proof of residence with lease and dates as proof that I did not reside in area ( different states ... .I lived in Texas the bill was for Washington DC ). I was told that they would contact utility company to handle situation. I expressed that this matter was urgent because I'm applying for a major purchase and this adversely affecting my score. The agency said they would resolve the situation and they never did. Supervisor said she would resolve issue and contact her the next day because she would expedite the situation. I've called back every day the past week and I keep getting the run around and stall tactics, and nobody has called me back or responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
My credit card was charged for {$360.00} by XXXX XXXX on XX/XX/XXXX for joining their annual credit report membership. The sales representative, who signed me up, took my credit card details on the phone and didn't explained the refund policy. About 10 days later, XXXX XXXX XXXX that they were unable to produce my credit report from Capital One which they had promised me when I joined the membership. After my research I found out that XXXX XXXX is an invalid and fake credit reporting agency who is unrecognized by Capital One and all other banks as a credit reporting bureau. In fact, XXXX XXXX is a collection agency. 

On July 27, 10 days before my membership, XXXX XXXX sent me a fake credit report by fabricating my previous 9-month purchases from the debit card and showed them as a credit on the credit report. The same report was shown to me even after I joined the membership which didn't benefit me at all. This was a fake report which I reported to Capital One and placed a dispute on the charge after cancelling my annual membership with XXXX XXXX on XX/XX/XXXX. I had also sent two letters to XXXX XXXX and attached the evidence of the fake credit report from XXXX XXXX. Despite of the fraud, Capital One is in favor of the XXXX XXXX side and recently placed the charge back to my Master Card and compelled me to pay the sum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CONVERGENT OUTSOURCING is falsely reporting on my credit with a Balance of XXXX and Account number XXXX. CONVERGENT OUTSOURCING is a debt collector. They committed identity theft on me. This account is falsely reporting and violating my rights and the fair credit reporting act. Pursuing to 15 U.S. Code 1681d- Disclosure of Investigative Consumer Violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in writing and mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested. Pursuing to 15 U.S.C 1681 section 602 A. States I have the right to privacy. I request to be provided proof of this alleged debt, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results on this alleged debt should be deleted from my credit report as soon as possible. Under federal law, you have XXXX  days for a reinvestigation. I will also be seeking monetary relief per violation for : XXXX. Defamation of character XXXX. Negligent Enablement of Identity Fraud XXXX. Violations of 15 U.S.C 1692g. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX  1995 ), you may be liable for your XXXX non-compliance. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ), this action might constitute fraud under both federal and state laws.

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 2019-12-02
Company: CITY NATIONAL BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
City National bank crystal visa credit card account Account does not have online access to view transactions and statements. Have contacted banker XXXX XXXX who has failed to respond or resolve the issue over the last 3 months. 

Mr. XXXX XXXX is a delinquent, unresponsive, and incompetent banker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2022-09-07
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would take up to 12 months. Throughout the pandemic I made almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just XXXX hours later makes me very concerned that this company does not have our best interests at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/XXXX I try to log on to my account with numerous attempts I notify the bank and ask a representer why was I not able to get into my account they told me I had to go inside of the bank and they should give me some information about my account the next day I went to the XXXX branch I was told by a representer that my account was closed due to low funds I asked her why was I not notified and that I have been receiving emails from the bank she told me that she did not know why and that they will have to do some investigation and that somebody will be in contact with me, XX/XX/XXXX I called the bank and ask then what was going on with the investigation into why my account was closed and they told me that the manager XXXX had tried to reach me I told her I did not receive any phone call or email from such person she took my number down and she said that when he was finished with a client he will give me a call back I never received a phone call. again XX/XX/XXXX I called again to see what was going on with the investigation and if there was anyway that my account could be reopened another representer told me that the manager XXXX had spoke to me on several occasions and he called me back on Friday I told her that I have never spoke to anybody named XXXX and nobody has gotten in contact with me and I can bring my phone up there to show that I have no missed calls or incoming calls from this branch number they have left me with no choice but to make a formal complaint against them.

Company response to consumer: Closed with monetary relief