BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-16
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/2019 I tried to withdraw the cash out on my Square Cash app. They have 2 options : 1 ) add immediately which charges a fee 2 ) receive in 2 business days. This transaction was for {$160.00}. I received another payment Wednesday and I chose the same option and that cash was to be deposited into my primary banking account on XX/XX/2019. On XXXX I received another virtual payment and I opted in for the fee due to the issues with the transaction on XX/XX/2019. 

I contacted Square Cash XX/XX/2019 and they claimed they have been aware of this issue and they are working to fix it. However, they are not providing a disclaimer that this function is not working. This means people are expecting their money in 2 business days but they are not receiving their withdrawals or an explanation unless they email their customer support email.

I am waiting on almost {$200.00} and it was advertised I would receive this money Tuesday and Friday. I havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Synovus Bank
State: LA
Product: Credit card
Issue: Other

Complaint:
my credit was used due to fraud they report I went over my balance to the credit bureau. they closed the fraud card but opened a new account its now showing XXXX cards on my credit report because I was late XX/XX/2014 it showing as XXXX cards late instead of just XXXX card late because its the same account. I need they to report correctly to the credit I was NOT over the limit now was I late on XXXX accounts. they did reserve the charges but but are not correcting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NC
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 Fair Credit Reporting Act XXXX for an XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX for XXXX XXXX Bank Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account 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 an 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 2016-01-15
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/2016 XXXX, IL XXXX PHONE : XXXX FAX : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an auto loan with Santander that is behind, they are trying to repossess it which is understandable but the company they are using is harassing me and threatening me even though I told them I am at work and to not call me on my work phone anymore. They call me everyday multiply times a day. Today there have been at least XXXX calls from XXXX different numbers even though I asked them to stop calling me as I have no agreement with them. I am not sure what to do to make them stop calling me. I have no agreement with these people and even if I did I do not deserve the treatment I am receiving from them. I am thinking of calling the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$300.00} XXXX {$300.00} XXXX {$150.00} XXXX XXXX {$110000.00} XXXX XXXX {$2500.00} XXXX XXXX {$2500.00} XXXX   XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$5800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: NEW YORK COMMUNITY BANK
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I am filing this complaint because I was in a accident while I was atleast XXXX XXXX or XXXX years old. Which a lawsuit was won against New York XXXX XXXX XXXX to be held in a ( CD ) Certificate of deposit account. Which this account was to be guarded by the New York Community bank upon the age I reach XXXX for {$8300.00} dollars that should have matured several times and also accumulated interest and I demand all the matured funds and at the highest amount of interest should be placed back in this account upon me recieving my funds. Well I turned XXXX and it was time to go and retrieve the money that is rightfully mines so I went about getting all of my legal documents to retrieve the money from the bank. I live with my Uncle who assists me with this matter and I give him all legal permission to communicate with all parties involved. Which who I took the trip with to Queens County Savings Bank to retrieve the money which was awarded to me. Now upon the arrival of me reaching the bank and speaking with a Financial Service Associate XXXX XXXX and XXXX XXXX the bank manager of the bank which informed us that the money was put in a Abandoned Property Account in 2011. Now according to the stipulations of the court official order which was handed down by the Judge who handled my case. I have been following and going by the right actions to get this matter handled as quickly as possible because for the simple fact I should not be punished from retrieving this money that is rightfully mines for this banks XXXX mistake while breaking the law and i am truly fed up with this matter. They are also very unprofessional at New York Community bank for not returning phone calls and was put on hold for no-one to return to the phone. I was also informed to call XXXX XXXX from the Abandoned Property Division of New York Community Bank which also never answered my phone calls and never returned my phone calls either. Just take note that I will also be filing a complaint to the Better Business Bureau and I also demand that this matter be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am making payments on my.car and found out though my credit report they are not on their along with my other creditors.So i just need to know what to do about this matter.They are not reporting my payments to the credit bureau. 
:

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2022 I send Experian a certified letter along with a copy of my passport, social security card, a utility bill and a bank statement to update my address. 

On XXXX, XXXX, 2022 Experian sent me a report number : XXXX. I called the number and Instead of updating my address they did nothing. In other words, I don't have an address showing on my consumer report. 

15 USC 1681e ( b ) states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They have violated that law. 

Because my home address isn't being reported, I can't obtain credit from any lender who pulls from Experian. This is impeding my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase had restricted and closed my account for a check that they held XXXX days released the money which was done in XXXX. XXXX months later all of sudden my account was restricted and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX, I called XXXX XXXX as the result of receiving an offer letter to improve my current mortgage rates or seek equity credit. During the call, I spoke to a XXXX XXXX, XXXX ( the last name not given ). XXXX assured me he would only do a " soft '' inquiry and I specifically said I did not want any hard inquiries on my credit report. He researched what he could do for me, lowering my mortgage payments, line of equity and we concluded there was no offer I could take advantage of at this time, so we hung up. Two hours later my credit monitoring service reported a " hard inquiry '' hit Transunion and then XXXX I confirmed by logging into XXXX and Experian. The hard inquiries also hit my wife 's ( XXXX ) credit report. I immediately called XXXX XXXX back to speak to XXXX, they transferred me to his extension where I left a message reporting my complaint about the hard inquiry and requested it be removed. I called XXXX 's direct line ( XXXX ) again on XX/XX/XXXX stating the same complaint and request to remove. On XX/XX/XXXX, I called XXXX XXXX and filed a complaint with their customer support department. The hard inquiry is still on my credit report and I have not heard back from XXXX XXXX or 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 2016-08-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I experienced a potential identity theft which was made evident when I tried to file my Federal Income taxes electronically on XXXX XXXX, 2016. The IRS told me there was a duplicate submission for my SSN, and I had to follow an alternate filing process. I established a 90 day fraud alert with the XXXX credit bureaus per IRS instructions. I erroneously also added a credit freeze at Experian, which I am trying to remove. The problem is that I ca n't talk to anyone at Experian and they will only ; let me unfreeze the freeze by using their automated system and paying a fee. I read on their page that there is no fee, in my state ( NY ), if the person is a victim of identity theft. I have been trying to get in touch with them for over a week now ( via their web site and email ) and there is no response. It 's like they are a monolithic corporation. It 's not so much the dollar amount, but the principle of it. .... the law allows me to unfreeze my credit at no charge, yet Experian is making that virtually impossible. By the way, they provide no individualized email or phone customer service, from what I can see. Hopefully, I am wrong about that but, that, in itself, is alarming. What about people who have more serious problems? Thank 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 2022-07-27
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In my last letter I informed you, you are in violation of my rights as a natural person. I am the original creditor of the credits used for my education. The XXXX XXXX notes you supposedly sent are void and expired. The degrading assumptions, obscenities, harassment, oppressive and abusive language, evidence of unfair practices, and furnishing of deceptive forms in your letter dated XX/XX/2022 are not taken kindly. Again, I do not owe a debt, and I will not and can not pay a debt just as anybody else under Public Policy in the united states of America. Please do not threaten me again. Enclosed is the letter from you using scare tactics. Provide verification that I can agree with or a judgement, until then cease further communication with me and any person or consumer reporting agency without a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: PNC Bank N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello there! 
I hope youre doing well today. This company put high inquiries on my credit file but I didnt give them authorization. 
They put inquiries on : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Therefore Im asking them if theyd kindly remove those inquiries. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Bank of America, in my account o transferred XXXX $ from company account XXXX XXXX XXXX XXXX to XXXX bank XXXX XXXX the amount received only XXXX XXXX the bank did transfer it to another currency causing huge loss ( almost 3 % ) of the whole amount.

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 2020-01-02
Company: JPMORGAN CHASE & CO.
State: NY
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:
To whom it may concern : After receiving a request from chase united card to refer a friend with a promise to receive XXXX miles, I was denied the offer. 

I contacted chase multiple times and was told that the miles will be posted to my account within 6 to 8 weeks. After the allowed time expired, I received a letter dated XX/XX/XXXX ( please see attached ) stating : We appreciate you referring ... to become a new Chase Cardmember ... ... once you have followed the link to refer a friend, you will receive the referral bonus eight weeks..if the link was not followed to refer a friend the point will not be honored. Please know that the original application for the new member was completed in XX/XX/XXXX using the link given. During the months of XX/XX/XXXX and XX/XX/XXXX I was told to wait six to eight weeks. Then in the month of XX/XX/XXXX I received the letter in question. 

According to chase representatives the application was not submitted through the link in XX/XX/XXXX, and the miles will not be honored as per the offer. However, we submitted the application through the link in XX/XX/XXXX. I was never told I didnt qualify rather that I needed to wait 6 to 8 weeks. Their letter clearly acknowledged that I referred someone to become a new card member. Part of the offer stated the new cardmember needed to spend {$3000.00} within 3 months prior to my receiving the miles for the referral. Hence why I understood the time allowed. However, they are not honoring the offer, and I am requesting the XXXX miles I am entitled to. 

Thank you in advance for your attention to this matter if any further information is needed please Freel free to contact me at XXXX. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AD Astra Recovery Serviceshas reported a collection account to my credit file with the credit bureaus.AD Astra Recovery Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attemptingto collect and report this debt to the credit bureausis a violation of the FDCPA. Thisdebt is not valid thus AD Astra has no legal right to report this to my credit and attempt to collect a debt.I never authorized any debt in the amount that AD Astra is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I applied for a home equity loan and was turned down due to " Derogatory public record or collection '' information on my credit report. I contacted XXXX about my credit report and was advised that I had an account with adverse information. My report stated that Sequium Asset Solutions was/ has attempted to collect a past due debt of {$7500.00} from XX/XX/XXXX. I have never heard of, been contacted by or done business with this company. 

I contacted this company by the number listed on my credit report and spoke with XXXX on XX/XX/XXXX who stated this account has been returned to the original creditor and is no longer with them. He provided the account and indicated it was with XXXX XXXX  I contacted XXXX XXXX  on XX/XX/XXXX and XXXX stated there is no account in my name, social security number or my phone number with her company. 

I have initiated a dispute with XXXX to have this false information removed from my credit report and I am contacting you to advise you that this debt is not mine and potentially my name or information has been used fraudulently. 

Although both companies were mentioned in the adverse information of my credit report, neither were helpful in resolving the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CAINE & WEINER COMPANY, INC.
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: Account status incorrect

Complaint:
account is inaccurately. the collection account is reporting as open according to tje FCRA i have the right to to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with Afni. I am not liable for the collection of this debt from XXXX. I am not responsible for this debt.

Company response to consumer: Closed with explanation