BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: Block, Inc.
State: OH
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:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX ) an XXXX XXXX XXXX showed up at XXXX XXXX XXXX XXXX to purchase 2x new fridges and 2x new gas stoves. He said that he was in progress of " renovating '' a double unit house in the area and that his " boss '' put him in charge of getting some new kitchen appliances. We eventually came to a deal for the 4x appliances at XXXX $ and he would be picking them up. I checked his ID and credit card for matching name etc. It matched up, but the credit card was infact a business card. It had the business name ( which I can not remember ) and then his name, XXXX XXXX. The card was beat up, but did not have any sketchy attributes ( aka unaligned letters etc. ). He went to pay, but neither the swipe or chip was working. He said it had been acting up lately, which was suspicious but does happen sometimes... I told him to come back when it works and the deal will still stand. He came back the following day and pulled out the same card. He told me it should work and that we can just key it in. I was reluctant, but the guy was persistent and did not seem weird about it ... also the fact that he tried to make a deal in the first place was not typically of a fraudulent transaction. He paid the XXXX XXXX got a XXXX to pick up appliances, and then was back in roughly an hour. We loaded him up and he was gone. We thought everything was fine until we recieved a credit card dispute through Square on XX/XX/XXXX for the whole amount with the reason being that they did not know about the charge. We then reached out to XXXX XXXX phone # from one of our shop phones that he would not recognize, and said " Is this XXXX? '' and he replied " Who is this? ". Note he did not deny that it was not him. We then directly confronted him about the dispute, a read receipt popped up showing that he saw it. We then tried to call, and the phone immediately went to voicemail and the messages would no longer go through. We were blocked/his phone was disconnected. 

Police Report # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Carvana Group, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
While exploring a loan process with Carvana after being burned by another outfit I asked to outline the process for a lemon vehicle and how the consumer is relieved of the financial process when the car is deemed unfit for the road. 

The only thing she repeatedly stated was to purchase GAP insurance. How is GAP insurance a good thing for consumers being held in liabilities they can not substantiate and why am I being sold this as a result of buying a bad car? 

The agent refused to quote the contract agreement with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: DISCOVER BANK
State: FL
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:
My XXXX Credit report contains an unauthorized inquiry from Discover Home Loans, XX/XX/2022. I have been a victim of Identity theft, this has been reported to XXXX and this needs to be taken off my credit report. I have called XXXX to dispute this and i am also reaching out to the consumer financial bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  Has violated my rights.

15 U.S.C 1681 section 602 A. States I have a ride to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states of the song reporting agency can not furnace a account with doubt my win instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Self Financial 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:
Hello, I signed up for Self in XXXX  and cancelled im XX/XX/2021 payments were always on time never past due and I close my account per my request and got a refund and on my credit report it shows derogatory and I never missed a payment and was never late. This is false credit reporting. If this isnt fixed I will sue!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: FL
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:
My Equifax Credit report contains an unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021. I have been a victim of Identity theft, this has been reported to equifax and this needs to be taken off my credit report. I have called Equifax to dispute this and i am also reaching out to the consumer financial bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Hello Digit, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I supposed to receive 7checks from a saving app called Digit that I've been saving money to. I only received 4 checks, never got other 3. I emailed Digit about the checks, they said those 2 checks are already been cashed to my account. They are able to cancel 1 check from the lost 3 checks. I asked them I never received the two checks, it's not possible they are deposited to my account. The next day they changed one agent to contact with me, she said my checks are cashed at XXXX. I have to contact with XXXX. Then I called XXXX, XXXX knows nothing about this and asked me to contact with the sender. I contact with Digit again, they ask me to get an affidavit of check fraud form from XXXX and notarize it, I went to chase get the form and notarized it and sent back to Digit. Digit told me they send the form to XXXX, now I have to follow up with XXXX not them anymore. After that, no matter what question I ask them, the agent ask me to contact with XXXX. I went to police station wanted to file a report, but the police said I have to have some sort of paper work to proof my check been cashed. I asked Digit the proof of the checks been cashed before, they never gave me any. I went to XXXX again and an agent there told me there's nothing I can do, the sender has to file the claim. I told her they wouldn't do anything for me, she said it's your money, they have to give them back to you. And she told me this website and I can report them here. I can give the email content with Digit as proof if it's necessary. The one check is XXXX XXXX the other one is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Improper Use of Credit In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022, I purchased a {$100.00} XXXX XXXX  card from XXXX  in XXXX, Virginia. When I got home to activate the card, it didn't work. I called the number on the XXXX XXXX card and was informed they proactive shut down the card due to suspected fraud. I gave them my information on XX/XX/XXXX to send a replacement card, which they claimed would be shipped immediately and arrive in a few weeks. 

As of XX/XX/XXXX, I have still not received my replacement card. I tried calling back several times today only for customer service to continually hang up on me. I can not reach anyone to resolve my issue, and I have no confirmation a replacement card is actually being sent.

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 2021-08-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
They failed to honor the {$5.00} reward for every each month I deposit {$200.00} into my saving now they owe me {$10.00},,,, This is the false advertisement.I opened this account online, I passed all the verification and credit check procedures and passed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-07-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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 tried multiple times to figure out why this account was not closed when I closed it and my bank account in XXXX of XXXX  I have spoken to many customer service reps and they transfer me and transfer me and refuse to let me speak to supervisors. They have no explanation other than " you never closed this account '' when I know 100 % that I closed this prepaid card. It now continues to pile up with late payments and interest that I can't afford and never should have been charged when the account was closed prior to any of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: TX
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  Multiple unverified reports have 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 These are a list of HARD INQUIRIES that I have disputed with ALL three Credit bureaus. They have NOT sent me Proof of the alleged inquires that I was the sole source of the consent 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

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 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A faked number response from a bank criminal was submitted to insult and injure. This particular person even used an old address where he and his line recorded accomplices did it before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: JPMORGAN CHASE & CO.
State: NY
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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX JPMCB AUTO XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-06-30
Company: EQUIFAX, INC.
State: NY
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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-30
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHS US DEPT ED # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 


15 U.S.C 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : NO consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-07
Company: SYNCHRONY FINANCIAL
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:
I Have been a card holder for quite some time and I have never experienced the kind of bad business experience as I Have with the merchant listed above. I tried to order a class ring, they could not get the text right on the ring I wanted, and the rep I spoke with on the phone could not speak XXXX XXXX too well, so I could not understand her too well, she hung up on me, so I told them to cancel the order on XXXX XXXX. I got a email today ( see attachments ), saying they have shipped the order after I told them I " CANCELLED THE ORDER ''. 
I see that I Have been charged for the order even though I requested it be cancelled within 24 hours of the ordering. As a American consumer, I do not have to pay for a service or merchandise I have cancelled before receiving it, and within a reasonable time limit before it is shipped, etc. I have a ' '' 'RIGHT '' to cancel a order and not be charged for it after it has been cancelled. SO, I am requesting that the charge be removed and my account be credited for the amount of {$270.00} since I requested the merchandise to be ordered before the merchant even processed the order, etc. I told them I ordered the ring from another merchant, which is my " consumer right to do so '', it's called " Consumer choice ''. I have provided in this correspondence attachments of copies of emails when I ask them to " CANCEL '' the order on XX/XX/2022.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with The Fair credit reporting act XXXX account number XXXX has violated my rights. 
15u.s.c1681section 602A. States I have the right to privacy 15 u.s.c 1681 604A section 2 : states a consumer agency can not furnish a account without my written consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: OH
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:
pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Experian has not sent me any documentation to whom they investigate to get the items on my consumer report 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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Credit Inquires needed to be removed XXXX XXXX XXXX- XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts needed to be removed XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXXXXXX 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