BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-26
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Netspend account # Account number : XXXX The account was closed and Netspend has not send me my remaining balance. Ive contacted Netspend and representatives stated they were unable to provide me information regarding my account. I have about {$2000.00} on my account when they closed it. All deposit made to the account was done by XXXX for all the services I provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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 accounts 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 items XXXXXXXX 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 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 2023-06-26
Company: EDvantage LLC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I went to XXXX XXXX and I am trying to recover the funds I paid them for an XXXX loan they took out in my name. When I initially enrolled I was told that it was an in house loan and Id have to pay monthly. I specifically remember paying them on a regular basis. My degree with XXXX is not recognized by a lot of colleges when I tried to transfer my credits. They also promised to help find a job or they would pay my bills. I had to find job placement and even my externship places on my own with no help from XXXX. I have emails from when I tried to get my transcripts from them. In those emails you can see that they wanted me to pay my XXXX loan balance before handing over the transcripts. XXXX no longer exists and therefore my degree is not even recognized as being earned from an accredited school. With all the lawsuits surround XXXX foul play. I would like to see if I can recover some of the money I paid them. The thing about it is all my payment and loan info was mostly on my student portal email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX : Account # XXXX for the ammount of {$1400.00}, CAPITAL ONE : account number XXXX for the ammount of {$760.00}, XXXX XXXX XXXX : account number XXXX, XXXX XXXX : account number XXXX for the ammount of {$2500.00}, XXXX XXXX account number XXXX IN THE AMOUNT OF {$1400.00} I Certified Mail Documents to each individual company informing the entity of my invoking Common Law Rights. Also, the Law pertaining to the Fraud of doubble dipping against the fictious entity bu use of the asociated Social Security Number that was set up ans assigned for ofial use by me the Authorized Representative. The above Cincorporated Entities have and are sill exploiting my name are committing against my Fictitious entity name. I am the only Authorized Representative with the proper claim to the entity/ ficticius I also constructed an official Afiidavid of All Accounts are Prepaid. According to The Post Master 's General Rule or also known as the Mail Box Rule The Companies, the Corporations have accepted the binding Contract I sent to each. I am an Americal National only under the Authority of God itself. I am Sovereign, Free, and can not be forced into a fictitious and fraudulent agreement with a dead entity. One I am not a part of in legal ties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Block, Inc.
State: IN
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/2023, there was an unauthorized charge in the amount of {$1300.00} made on my account from another country. There were also a few other charges from out of the country that I disputed with Cash App that were settled. I believe because of the amount that was charged they are refusing to help me and give me a thorough investigation on this charge. They will not give any supporting details on why they are refusing to help me. I do not feel protected by them as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX stay was booked through XXXX XX/XX/XXXX I cancelled the reservation the same day via XXXX XX/XX/XXXX XXXX XXXX XXXX charged my card XX/XX/XXXX via XXXX. I explained the cancellation, asked for a refund to which they responded by blocking myself and family via XXXX, the only way to contact them since they are international. 
XX/XX/XXXX I contacted XXXX to step in. XXXX XXXX XXXX would not respond to XXXX I filed a dispute with Chime XX/XX/XXXX submitting screenshots showing the cancellation was well beyond the 14 day time frame. 
XX/XX/XXXX chime denied my initial claim and stated I could rebuttal the decision. 
XX/XX/XXXX I requested documentation and a denial letter from chime. I submitted new evidence, including my cancellation confirmation. 
XXXX chime denied my claim again. I asked for a denial letter XXXX requesting the documentation provided and a reason for denial. 
I followed up XX/XX/XXXX on my initial request for a denial letter from XX/XX/XXXX. No response from chime. 
XX/XX/XXXX I receive my denial letter from chime which is just a written statement stating that I booked the wrong dates and it was within their cancellation policy. My showing that I cancelled within the timeframe of their policy, and how I explained that I cancelled because I booked the wrong dates was not included. 
The denial letter chime sent XX/XX/XXXX DID NOT meet Regulation E requirements, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I initially authorized an ACH for services where such authorization was later revoked, and services canceled with a request for a refund. Due to experiencing severe illness and a death of an immediate family member that resulted in an extended travel away from my home and eventually in my own admission to emergency XXXX XXXX, I was rendered unable to keep track of the refund status. 

I notified XXXX of the situation after I was able to identify that the revoked ACH authorization and canceled services did not result in a refund despite the vendors acknowledgment of the revocation. XXXX explained because it was over 180 days, I needed to reach out to the bank USAA directly. 

Despite reaching out to USAA on the very same day that XXXX notified me it could not help with the confirmed unauthorized loss based on the same mitigating circumstances, USAA failed to observe the extenuating circumstances provided under 12 CFR 1005.6. USAA has stated that because the payment had been authorized it could not be reversed. This despite mitigating circumstances and significant evidence that services had not been rendered and acknowledged canceled. 

I still have significant difficulty corresponding and have been forced to write about the revoked authorization dispute at the risk off permanent nerve damages during my continued recovery. 

USAA requested no evidence initially and after requesting evidence, the bank took no further action on the dispute denial because the payment had initially been authorized despite protections under various statutes not limited to the XXXX. I notified USAA since the authorization had been timely revoked, the vendor was entitled to {$0.00} and as such an incorrect amount of {$160.00} has been accessed to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was an authorized user on my husbands Synchrony accounts with Paypal Credit and Paypal Mastercard. He asked to remove me since he has fallen behind, but they refuse, instead trying to ruin both of our credit reports. They kept saying they can not do so despite him telling them on recorded lines in front of me to do so.

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 2023-06-26
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Credit card company Goldman Sachs Banks USA has disputed to issue refund after the merchant XXXX issued refund of {$1200.00} on XX/XX/23 to my Goldman Sachs credit card. I have provided all the evidence from XXXX of proof of payment and Goldman Sachs is refusing to issue my refund to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited XXXX and XXXX into my checking with checks from work to TD Bank. Also deposited XXXX in my savings and have yet to receive a check with my funds or any reason besides that they suspected fraud of why my account was closed. I came into the bank with my id, social, birth certificate, and alternate old ids and they would not issue me a debit card or give me access to my funds and eventually closed my account on XX/XX/23 without giving me my funds. I tried to call TD and walked into the XXXX New York branch with no updates or any idea of how they could or would get me my funds I deposited into their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my formal complaint to XXXX XXXX for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TransferWise Ltd
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Bogus wire transfer through Wise money exchange charged to my wife 's XXXX XXXX debit card. We do not have an account with Wise and you can only get customer service if you have an account. We cancelled the debit card and had it reissued, but there is still the charge that has to be resolved through complaint process ewith XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
CFPB along with credit reporting agencies are obviously not clearly understanding the fact that I have had to report this company over and over because they continue to report INADEQUATE information which is illegal on my credit report. The credit reporting agencies ( EQUIFAX, XXXX & XXXX simply contact XXXX and they report the information as validated when it is not accurate. CFPB has indicated that it is duplicated information when it is clearly not a duplicate if the company is still reporting erroneous information. 

I am resending a copy of the notification that I submitted that shows that what they are reporting is NOT accurate if someone takes the time to read what I am providing as documentation. XXXX reports that I owe a total of over XXXX which was initially been reported as a charge off. Now it is being reported as a delinquent account. 

The documentation shows that they originally stated that the amount owed was XXXX. XXXX reports this account as delinquent every month which should not occurs since this account was reported as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NATIONAL RECOVERY AGENCY is illegally misrepresenting the date of the original debt so that it appears newer on my credit report, which creates a negative effect on my report. Due to the date of the original debt it should not have a negative effect but because NATIONAL RECOVERY AGENCY misrepresented the date it is.

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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-14
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2022-12-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX  acct XXXX and XXXX XXXX acct XXXX has violated my rights 15 u.s.c 1681 section, 602 a states I have the right to privacy 15 u.s.c 1681 section 604 a section 2, also states a consumer reporting agency can not furnish an account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Block, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023, I completed two separate transactions successfully. On XX/XX/XXXX, I received two notifications within 30 minutes of each other stating that those transactions had updated, essentially doubling the amounts of this transactions. They are as follows : Merchant : XXXX Original transactions amount : {$10.00} Cash App updated amount : {$20.00} Merchant : XXXX Original transaction amount : {$430.00} Cash App updated amount : {$870.00} Total amount stolen by Cash App : {$450.00} XXXX I immediately reported my card information stolen and ordered a new card. I also did my due diligence and followed up with the merchants to ensure that I had not been charged twice by their systems. After being unable to get through to Cash App support, I went to their support page on XXXX, which acknowledged their support system was down and that transactions have been doubled. However, I am being no responses and no resolution as many others have not as well. This was part of my rent money for XXXX and I want it back. Now.

Company response to consumer: Closed with explanation