BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I started in 2019 investing in bitcoin, also investing in stock on cash app, i also use cash app to direct deposit funds into it. i have my stimulus and school refund checks direct deposited into cash app and cash app has been mishandling my account. they also have offered no protection to my account or my money/ investments, the other day they allowed someone to scam me and lock me out of my cash app and take over my cash app my bitcoins, my stocks and over {$500.00} worth of cash they refuse to respond to me or fix this, they even refused to look into this please help me i believe this is an inside job i need help please my cash app account name/ cash tag is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX I checked my credit report due to receiving notification that information had changed and noticed my inquiries had been removed and my credit score went up. Then on XX/XX/XXXX I received a notification that the information had changed again and checked and the previously removed inquiries were re-added and my score dropped.

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 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Trans Union to make them aware that this public record XXXX has been filed in error and has now been dismissed and vacated by the Courts I sent Trans Union the court documentation showing that it is no longer active and was filed erroneously but Trans Union has yet to block this information from my credit report.

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 2016-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to a car dealership and authorized a soft inquiry on my credit. I know it was supposed to be a soft inquiry because the salesman said that is all it would be. Two days later I find out there are XXXX hard inquiries that I never authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
For the past 6 months all three credit reporting agencies have been ignoring my request of validation on the following accounts. 

XXXX. US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. US DEPT ED Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. US DEPT ED Account # : XXXX XXXX. US DEPT ED Account Number : XXXX My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. The following accounts are reporting inaccurate information. The date opened on these accounts do not match and some accounts are duplicated. My request has been denied time after time, I just found out about the CFPB website after doing research about being ignored by these reporting agencies.

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 2022-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted capital one to close a secured card I carried with them. They kept having issues when Id try to make payments in the app and I was told they charge a fee over the phone to take payments and ultimately this account made my credit score drop so often due to late payments the rewards they promised and the customer service were not what was promised. Since I had no benefit I chose to close the account in XX/XX/2022. I paid a deposit when I started this card and I was not notified it was returned back to the card balance after the account closed notice was sent to me. I chose to close the account but the credit card has reported to credit bureaus that it was closed for being 60 days late. I did not receive any paper bills which is what I had opted for even when the account was active. In the app it had shown closed but now it appears as open and theyve been adding on late fees. The notice of account being closed back in XXXX did not state that there would be interest and late fees charged after account closed but now they show two billing statements in the app which never were received by mail and both bills show interest charged. The bill that posted as late 2 days after the account closure notice showed a {$16.00} charge and didnt show the credit of my deposit. The first bill in XXXX shows only a {$25.00} late fee but the bill for XXXX shows a {$40.00} late fee and interest when no new purchases were made. The bill due XX/XX/XXXX shows no credit available I assume because I had closed the account but on the bill theres no mention or acknowledgment of the account being closed. Same for XXXX. I can not get an agent on the phone and hve had no luck with in app chat support. This issue affected my credit score and I was alerted today of a significant point drop due to the reporting they did. I never saw it show as closed on my reports but I gave it time because I was told it can take 60-90days to update but recently was made aware thats not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: GA
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:
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. XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XXXX and XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ) 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Bread Financial Holdings, 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 noticed a hard inquiry that lower my credit score and it was Ccb/ppc dated for XXXX XXXX, 2017. So I XXXX it and came up as Pay Pal so I called them at XXXX and spoke to XXXX and was to send me instructions by email to dispute it. So far I do not have the instructions. So I am writing today for your assistance to remove from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from RS CLARK AND ASSOCIATES. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against RS CLARK AND ASSOCIATES in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
I made my payment to XXXX XXXX XXXX on XX/XX/2022. My payment was initially due on XX/XX/2022. I dont know what occurred between the banks, but the payment didnt post until XX/XX/2022 making my payment 30 days late. The only reason I paid so late at this time was because I was between jobs, otherwise Ive never had a late payment. I tried to resolve this with my XXXX XXXX but they were unwilling.

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 2017-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My card was suspended for supposed fraud on the XX/XX/XXXX. I went to buy groceries and thats when I found out. No one had called me nor had I received an email notification. There is no fraud here since I hadnt even used my new card for almost a whole month. This is retaliation because I 've filed a CFPB complaint about a credit hit they have left in my credit report even though its been alnost two years since the account was current and was transferred to another institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am an American Express  XXXX  platinum cardholder and have been the victim of fraudulent advertising., I received a promotion targeted offer from American Express in  XXXX ,    2016  promising me  XXXX  bonus miles and  XXXX    XXXX   qualifying miles if I spent {$75000.00} on their card in  2016 . I registered for the promotion and spent the qualify g {$75000.00}. I have never received the promised bonus or  XXXX  miles. I have called American Express repeatedly and have received a variety of answers including : yes they see the promotion and wait, the miles are on the way ; they see the promotion but do n't know why I have n't gotten the miles ; references to a computer glitch and no notes in the record regarding my disputes ; promises of supervisory callbacks that never happen ; and today   XXXX   at  Am  Ex advised me no such promotion existed. I have a copy of the promotion and a record of the different employees I spoke with along with their employee ID number. I will attach my documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My payments SHOULD BE allocated towards interest bearing purchases first. I have a 12 month promotional balance transfer promotion that was offered at account opening. A balance transfer of {$1200.00} was completed on XX/XX/22. The business miscalculated the interest on my account dated XX/XX/22 for {$12.00}, the most I should have been charged should have been {$1.00} minimum finance charge that the business assesses regardless of the balance or amount paid on the account. Additionally, on XX/XX/22 a payment for {$100.00} was made on the account, on XX/XX/22 a payment of {$900.00} was made on the account. The ENTIRE closing balance on the XX/XX/22 statement was {$1200.00} which consisted primarily of the promotional balance transfer mentioned above.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account 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 non-monetary relief
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: GA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, XXXX and Transunion. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items 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 a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

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 2022-04-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a member at Sam 's Club. I applied for a business credit card. I never had given any of my personal information to them on the business credit card application. However, they somehow accessed my personal information without my consent. My application was denied but I never received any letter stating why. I have called and I was told on XX/XX/XXXX the inquire will be removed within 1 week. And still no removal.

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 2022-07-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, My name is XXXX XXXX. My XXXXXXXX  XXXX XXXX XXXX was an account holder with Wells Fargo bank. She passed away on XX/XX/2022. I went into a branch location and spoke with a XXXX in XXXX XXXX, XXXX. I went in to close the account and XXXX notified me that there were ATM withdrawals from my mothers account days after her death. We filed a fraud claim. I called Wells Fargo and they told me the claim was denied. Someone correctly guessed her PIN number, or found it written down somehow and since they correctly used her pin, they are assuming she gave permission. I know for a fact she did not want anyone using her funds. She is no longer here but I am her only child. I do not think how Wells Fargo is handling this is fair. It was an unauthorized withdrawal.

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 monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NJ
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:
There are some accounts on my report that are invalid and are improper use of my credit report

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 2022-07-25
Company: Experian Information Solutions Inc.
State: AL
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 sent a letter to XXXX XXXX XXXX asking for a copy of the ORIGINAL Contract with all parties involved signatures and gave them 14 days to do so. If they were not able to provide me with the contract, I requested that they cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly requested deletion of any and all prior reporting that was made to all consumer reporting agencies/credit bureaus along with a copy of the letter sent to the reporting bureaus. XXXX XXXX XXXX refused to do so. Instead, they sold the account to XXXX XXXX XXXX. I will be sending the same letter to XXXX XXXX XXXX. I DO NOT have a contract with XXXX XXXX XXXX, nor do I have a contract with 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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent a letter to XXXX XXXX XXXX asking for a copy of the ORIGINAL Contract with all parties involved signatures and gave them 14 days to do so. If they were not able to provide me with the contract, I requested that they cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly requested deletion of any and all prior reporting that was made to all consumer reporting agencies/credit bureaus along with a copy of the letter sent to the reporting bureaus. XXXX XXXX XXXX refused to do so. Instead, they sold the account to XXXX XXXX XXXX. I will be sending the same letter to XXXX XXXX XXXX. I DO NOT have a contract with XXXX XXXX XXXX, nor do I have a contract with 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