BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: Block, Inc.
State: MS
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:
This complaint is against CashApp, XXXX XXXX, XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, phone number, XXXX. 

I am writing to dispute a charge of {$730.00} to my CashApp debit card account on XX/XX/2023. The charge is fraudulent. I spoke with a CashApp representatives on XX/XX/2023, to stop the payment, but the payment had already processed. I filed a claim with that representative to report the fraud and refund my {$730.00}. 

I learned that CashApp denied the claim two days later, on XX/XX/2023. The denial claim stated, After further review, it appears that the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied. You can reach out to support for dispute documentation at any time. 

This denial is unfounded. I did not receive the merchandise and am unable to contact the company. How did CashApp 's representative contact the company? 

This is what happened : On XX/XX/XXXX ( XXXX XXXX XXXX XXXX, I placed an on-line order for a XXXX XXXX in. XXXX XXXX XXXX XXXX for {$730.00} with a company named XXXX. The order number is XXXX. 

According to my debit card transactions, the {$730.00} payment was paid through www.sjbmqa.site. I also received information that the payment was made through Stripe payment system. The order confirmation number is XXXX. 

I have not received the riding mower and am unable to contact the company through phone, email, or website. I have attempted to contact the company via email six times at this email address - XXXX XXXX XXXX. The emails return with an error message that this is not a good email address. 

Also, I am not able to contact the company at phone number XXXX. The phone just rings and rings. 

The address for XXXX is listed as XXXX XXXX XXXX, XXXX, CA XXXX. 

I would like to have my {$730.00} that I was scammed out of, refunded to me. And would like to report that this is a fraudulent company that is scamming citizens out of money. Are you able to help me recover my {$730.00}, please?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sent money to a friend who had lent me money during a recent trip. The trip was to XXXX, I mentioned that in the memo and cashapp froze my account. The money was not sent outside of the country nor was it to support any political cause it was to another US citizen. After a relative sent me money and cashapp froze her money and wont allow me to send it back to her. I feel they flagged the account because XXXX was mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX Kia has given me a copy of my contract that is not signed by me which in the contract on the signature pages, it states that this contract is VOID if its missing two signatures, so there for there should not be an active loan nor contract. I have attached a copy of this contract that should have never been financed by the bank nor should i have paid any car notes and my " downpayment '' in cash which also violates the LEGAL LAW of 15 USC 1662 ( 2 ) which states no down payment can be advertised in the extension of consumer credit.

Also, the finance charge and contract violates the LEGAL LAW OF 15 U.S. Code 1605 - Determination of finance charge which states that the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) This is dealership fraud plus violation of my rights, credit profile and more

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 2023-04-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank Ultimate Rewards Master Card received my payment sent XXXX/XXXX/XXXX  and cashed the check ( as verified by by U.S. Post Office Signature Delivery Confirmation Card signed on XX/XX/XXXX XXXX  and sent to me by Comenity Bank MasterCard representative ) I received a bill today, XX/XX/ for {$62.00} due XX/XX/ that does not show they cashed the check ( which they cashed after the due date to incur penalty ) on XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

Transunion Unauthorized Inquires : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquires : XXXX XXXX XXXX Unauthorized Inquires 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 2023-02-27
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX to have my number ported to another provider XXXX XXXX, 2022. They ported my number and I started service with another company. I got a bill From XXXX for XXXX XXXX in the amount of {$59.00} even though my last call with them was XXXX XXXX, 2022. I paid them a month in advance when I started the service, and so I should have had a credit coming. Even if they refused to credit me for the partial month I paid in advance, I used XXXX services through XXXX XXXX, so they should only have billed me for XXXX XXXX in the amount of {$17.00} ( 9 days @ $ XXXX = {$17.00} ). Instead, they billed me for the full months amount of {$59.00}. They turned me over to a collection agency, Afni, and when they called today, I explained all this to them and offered to pay {$17.00}. The agency refused and I told them I would be filing complaints with XXXX  and CFPB. Since XXXX turned this over to a collection agency, this will negatively affect my XXXX XXXX. I have worked hard to pay my bills on time, and I currently have a score of XXXX. I don't think it's fair that a business who is trying to scam a person out of money should be able to negatively affect a persons credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a checking/saving account with XXXX. I was denied due to information on Early Warning Services LLC. I have contacted them but have not received an update on my status or what information is being reported to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made an electronic check deposit to my checking account with Huntington bank on XX/XX/XXXX of the amount of {$7500.00} and usually the standard best practice is to have accessibility to a portion of this amount, they denied my exes to the whole amount, then they sent me a letter saying they put it on hold until XX/XX/XXXX, and I will be allowed access to a portion of it Which is not the fact, they denied my access to the whole amount all the time I called them three times to release the hold on some of this amount the denied I have been a customer with them for more than four years and with a good standing. Also have a direct deposit running to my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/XXXX i traded my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX and received the title for the transaction. The check was short XXXX and no one was made aware of this. XXXX XXXX put late fees and charge off on my credit report. I obtain a letter from XXXX XXXX explaining how this is their responsibility and that it should not be any late fees or charge offs on my account. I have talked to XXXX XXXX about this 5-7 times now. Each time i was told my account will be fixed, so far no updates. Been trying since last year to fix this situation.

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 2023-02-27
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:
In XX/XX/XXXX XXXX two separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my XXXX, XXXX, and Equifax reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XXXX XXXX, XXXX ; and the other under XXXX XXXX XXXX which is still present on my credit files as unpaid. 

I have submitted disputes with XXXX starting XXXX XXXX, XXXX, then on XXXX XXXX, XXXX, again on XXXX XXXX, XXXX, and most recently XX/XX/XXXX XXXX. Each time XXXX denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim. 

I have emailed XXXX XXXX XXXX twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either. 

Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans. 

This has also caused a great deal of emotional distress as I have been faced with denials that are highly based on the fact that I have this reported collection. ( XXXX v. XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: MARINER FINANCE, LLC
State: SC
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:
On XX/XX/XXXX XXXX I went to Marina Finance XXXX XXXX XXXX XXXX XXXX SC .I showed my DL and SScard i told them that I didn't have an account and they are reporting to XXXX .that I have I asked to have it removed and they told me that it could not be removed although they admitted it was not my account .when I asked why the woman got really nasty with me with a real attitude. All that I wanted was an account that is not mine removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
At the beginning of XX/XX/2023 I initiated a transfer of funds from my HSA operated by the Bank of New York Mellon via XXXX in the amount of {$510.00}. The funds were removed from my HSA account and the transaction listed as posted on XX/XX/2023. The funds never made it to my checking account with XXXX XXXX XXXX I called XXXX XX/XX/2023. The blamed the delay on a weeklong outage and guaranteed me the funds would be in my checking account by Friday of the same week. On Saturday XX/XX/2023 the funds still were not in my account so I called again and the customer service representative again blamed the delay on an outage but had no explanation for why an outage would affect a transaction listed as posted and not in process. She told me the funds would definitely be in the checking account by Tuesday the XXXX, but they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Grain Technology, 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:
During the COVID-19 pandemic. My job that I had been at for 5 years terminated its contract with the government. My company closed down, and unfortunately I loss my job. 
I contacted GRAIN, and advised them if my unemployment status ( it was out of my control ). There is not a live person to speak with, its just email correspondence. I emailed them the financial situation that I was in, and they advised me that if I bring the account current ) ; they would remove the late payments. I brought the account from $ XXXX past due ; down to {$94.00}. I reached back out to the lady XXXX ; and she never replied to me. Instead, a XXXX XXXX replied saying that what was told to me isnt going to happen. She said she saw no such email, and then sent a word document ( look fake ) of a doctored email from the XXXX woman. 
I fell behind due to no fault of my own, and I have email correspondence of them agreeing to delete the past dues since it was out of my control. The report information is incorrect as the XXXX show 5 missed payments, and XXXX shows 11 ( Im not sure what XXXX says ). I asked for the CEO, or managers email, and XXXX refused to oblige. May someone assist me? I kiss my income due to COVID, and not a termination. I am trying to rebuild, and I paid what I borrowed like agreed. The late payments need to be removed like the previous employee agreed per our email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Markoff Law LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I owe XXXX XXXX a debt. I am aware of this debt. We made an agreement when I called telling them I was unemployed. I am now employed and willing to give them their money in full. Unfortunately, they have locked my account without notifying me. All of my money is locked away so I do not have access to the funds I need to pay them. Since I can't access my money to pay them my account stays locked. When I called to work on this XXXX told me they are a law firm and can do whatever they want. So I need to borrow almost XXXX dollars from someone and pay them. I explained I don't know anyone that would be willing to loan it to me he said tough luck. They also refuse to send me proof of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Account information incorrect

Complaint:
XXXX XXXX has put a missed payment on my credit reports. I was never billed for anything and I have a XXXX balance on both of my accounts with them. My authorized user had her card stolen/lost in XX/XX/2022. We filed a police report and notified XXXX XXXX. New cards were issued. I have had a ZERO balance on both accounts and paid the annual fee in XX/XX/2022 ( {$39.00} ). I don't even use these cards. They are old and help my credit " age ''. I've never really had any problems with XXXX XXXX- until now. 
Six months later, they are saying I have a " missed payment '' ( that was never due and never ever appeared for me to pay! ). They dinged my credit reports on XXXX and it tanked my credit. I am furious. I don't even know what this charge is and it hit my reports. Why?? Did they not close out my account correctly and those are fees or fraud from that stolen/lost card? This needs fixed. Extremely shoddy business practices. Ruining credit for NO REASON. OUTRAGEOUS.

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 2022-10-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
CFPB closed all cases with attorneys XXXX and XXXX that used threatening and abusive language, retaliated and filed for sanctions against me for being a victim and reporting that they are in contempt of federal orders and consent agreements filed by CFPB on XX/XX/2022. 

Retaliation against victims and using abusive an threatening language was shared in these complaints that CFPB ignored and they ignored malpractices and misrepresentation of fact. 

No attorneys are above laws and no attorneys can be in misrepresentations to gain bias, favor or discriminatory acts against victims of financial crimes that have been verified to obliterate compensatory damages of the hundreds of thousands exploited and funneled out of my lawful property. 

XXXX BANKS tampered with documents and scribbled on documents that are out dated, without any authority, any right and with intentional disregard. 


XXXX XXXX XXXX XXXX XXXX consumer report Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Feedback provided XXXX XXXX XXXX Other personal consumer report Incorrect information on your report XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX XXXX do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided

Company response to consumer: Closed with explanation