BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-18
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a victim of identity theft since early XXXX as I have received a number of bank accounts opened in my name with only some of my information matching but phone number and e-mail addresses not matching. 
Square/Cash App is one of these accounts that were fraudulently opened using much but not all of my personal information. Since it is an online only account the only way you can talk to anyone or do anything is through the Cash App mobile application. I did not open this account so the validation processes of phone number or e-mail address do not match the account so I can't access it or register with the application to talk to someone. There is no phone number on the debit card I received and I can not find one online either.

Since I can't register with the app and have no phone number to call, I called Square who owns the Cash App bank. Talking to people on the phone is a waste of time as they redirected me back to the Cash App to resolve my issue, which of course is not possible because I am a victim of fraud. I then attempted to use the chat feature with Square and again was directed to the Cash App application for assistance. I was able to get someone from Square to e-mail me but after going around and around they referred me back to the Cash App application. I can not get any help or talk to anyone within Square or the Cash App to help me close this fraudulent account.

All I want is to be able to close my account and not open any additional accounts with this shady company ( Square/Cash App ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: EQUIFAX, 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  continues to play its ridiculous game of cat and mouse and it continues to destroy my Credit along long way they have been nothing but uncooperative when it came to me finally understanding why it is that the gap insurance I paid extra money for when buying my car no longer covers the gap between the sale price of my car the insurance price of my car and was owed to the finance company. Gap insurance is purchased to cover that and they had no problem collecting my fees and splitting them up amongst each other while in the long run company insurance fraud. XXXX XXXX has no right to continue to collect a debt thats not owed its fraud that they committed and I need to see PFB to look into the matter so they know that their fiduciary responsibility is to deal with customers on a fair and equitable level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with JP Morgan Chase ( Chase Auto Finance ). My last payment was made on XX/XX/XXXX in the amount of {$200.00} using a check drawn on my bank account. My payment is usually XXXX, but this was the last payment I owed. I paid the final balance of {$200.00} using the Chase Auto automated system, as I have done for the entire length of my loan, approximately 5 years. I have used the same account information, and it has been stored in their system for the entire duration of my loan XXXX XX/XX/XXXX ). I do not manually enter the information, it is stored in their system. The auto attendant confirms the banking information used on my last transaction, and there is a series of authorizations to process the payment. 

On XX/XX/XXXX I was notified by Chase that my payment had been returned by my bank due to " No account found ''. I asked Chase to provide me the the account information on the returned check since I have had my bank account for over 20 years. They could not provide me the information. I was told that they did not have that information, I would need to contact my bank. 

I contacted my bank. The check had not cleared my account, had not been processed through my account, and there was no return on my account and no return draft fee. My bank 's accounting department researched the transaction amount and was able to locate the transaction. The check was drawn on a bank account that does not exist. Also, the account used was not similar to my account number, and is not the account number that is on file with Chase Auto for me. I do not know how a non-existent account number processed in the Chase Auto system. I did not enter ANY account information on XX/XX/XXXX. I used my " saved '' information, and confirmed my account number. 

Chase Auto stated that I entered the account information wrong. No, I didn't enter the account, I authorized payment from my account number on file. Chase Auto said I must have made an error. No that didn't happen. Chase Auto customer service has refused to assist me, routinely hangs up, and keeps transferring my call.

I want to make sure that this is not reported the credit bureaus. I have never had a 30-day late, and they can't tell me if this will trigger a 30-day late or not. They can not explain why this happened. They charged late fees and interest. They are refusing to help me. 

I feel suspicious about this since this was my last payment, and wonder why it went wrong. How and why did this happen. Was their system hacked? Did the system go down and was my payment manually entered? Did this happen as a way to charge fees and interest since I paid my loan off early? I have no idea, but this is VERY wrong. I can't be the only one. This glitch in their system has to have effected others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
Company: DISCOVER BANK
State: GA
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:
I was informed via Email that my card would be put on a security freeze while they verified my identity. It had been over 2 weeks since I went through the required steps that Discover asked and I'm still unable to use my card. There was no indication this would be done otherwise I would have opened another credit card to use. This is a bad practice and as I said there was no indication from Discover that this would be done.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. 

Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act account # 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 explanation
Consumer complaint received 2017-06-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On  XXXX / XXXX / 2017  I had my ba nk ( Santander Bank ) crea te a Cashiers Check in the amount of $   XXXX for   XXXX   XXXX  so I could invest towards retirement.  XXXX   XXXX  did not cash it because the because the bank put "  XXXX   XXXX  '' instead of "  XXXX   XXXX  ''.   XXXX   XXXX    XXXX   office in  XXXX   XXXX , California tried to send the check back on  XXXX   XXXX , but it was lost in the mail, and we have not received it back. We attempted to have our bank cancel the check and they said they are unable to do so until they have the original in hand. Our fear is that some malicious actor  may get a ho ld of it and attempt to cash it.

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 2022-09-05
Company: EQUIFAX, 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  XXXX  XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: CITIBANK, N.A.
State: AR
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: Card was charged for something you did not purchase with the card

Complaint:
Citi Bank credit card company is at it again. Previous complaint filed with CFPB " XXXX '' and they began charging the account with two monthly debits since XX/XX/2021. 

Here 's is the Citi link https : //online.citi.com/US/ag/disputes/disputecenter What is wrong with you people? We do not and have not subscribed to any newspaper. We get our news online. Here is Citi 's own acknowledgement. 

" Case resolved in your favor on XX/XX/2021 Good news! We've taken care of this for you by issuing a permanent credit for this dispute. 

PERMANENT CREDIT APPLIED $ {$1000.00} This credit will typically post to the primary cardholders account within 2 days of the dispute being opened. 

Card details Card ending in - XXXX Reason for Dispute Canceled service / goods Credit Status Permanent credit applied Case ID XXXX '' Citi credit card issued to XXXX and XXXX XXXX, XXXX XXXX AR XXXX We stopped using Citi card and went to XXXX XXXX card ( see complaint filed with CFPB XXXX which has not been resolved ; payments due on both card 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 2022-03-09
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX points on my Equifax credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
XXXX XXXX reporting removed accounts as still open by not removing the account. 
XXXX XXXX is not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my account in the summer but Citi keeps re-opening it and applying fees for insufficient funds.

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 2022-03-09
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I've had XXXX conversations with Credit Acceptance Corp over 3 months. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I've attempted to clear my past due balance as I was out of work for XXXX weeks due to complications of a sickness I had which has now subsided. My income was non-existent and I called the company multiple times to resolve and all they have told me was that " sorry, we can not help you ''. I was asked to make multiple payments within weeks of each other as I come out of this hardship which I can not do and I have made them aware. 

I know lenders do have solutions for situations like mine but for some reason have chosen not to help me. I am able and willing to pay them going forward but can not simply write them a check for the past due because I had no income during the time I was delinquent.

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 2020-02-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX   and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX  but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Suffolk Consulting Group Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
We were solicited by a company called XXXX XXXX XXXX. They called us and told us that they would be able to lower our monthly payments by restructuring our debt. We were told that they had an attorney on board for our protection. We signed up on a Friday. Things went very fast and they were very persistent and aggressive. They asked us if we could wire them our down payment for the program. We decided not to do that and knew that if things went sour we would never be able to recover our funds via a wire transfer. I should have known then something seemed shady. After doing our research about the program over the weekend we decided the program really wasn't for us. They told us on our confirmation call on Monday that we were not able to speak to their supposed attorney and we were coached to stop paying our bills and default on our loans. In addition we were told to stop picking up our creditors ' phone calls. That is exactly what my partner and I did NOT want to do. We were told a lot of things on that Friday to get us to sign up that just didn't turn out to be the case. We never wanted to stop paying our bills and not pick up the phone when our creditors ' called. In the state of NJ, you have 72 hours to rescind a contract. On that Monday, after our confirmation call we realized the program was not what they said it was so I immediately e-mailed them asking them to cancel the contract and refund our down payment immediately. They were then very defensive and stated that they would not allow a refund. The law is the law, I am requesting a full refund of the money I put down for services not rendered. These people are extremely shady and the public needs to know to stay far away from them at all costs!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
Company: Opportunity Financial, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Delete Late payments from Opp Loans from, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX  case # XXXX, XXXX XXXXl case # XXXX ..., XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., and XXXX XXXX case # 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 Thank you for helping rectify this situation. I feel at this point my rights have been violated. Please delete off all my credit reports ( XXXX, Equifax, XXXX ) immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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:
I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DXXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
As per the XXXX case XXXX, the dealership XXXX XXXX XXXX fraudulently sold myself, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The bank, Westlake Services Inc/ dba Westlake Financial Services is aiding in the fraudulent activity of the dealer after being provided all necessary timely documentation. Neither of the two has paid back what was owed to me. The dealer sold the vehicle as merchantable and repair to render, when it was not, overcharged the vehicle registration fee, and signed the contract under the wrong name and license, making the contract null and void. These are the only 3 know laws that were broken by the dealer as per NYS VAT Law. I have not had a reliable method of transport for almost 2 years and would like any assistance that you can provide. I will provide a few of the necessary documents where allowed. 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 2021-04-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation