BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Square Inc
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Im trying to to get my money back from a company called XXXX XXXX   which also owns Cash app. They keep taking money out of my savings account in amount of {$160.00} which was from XX/XX/XXXX to XXXX. They would take out like {$7.00} increments for a total of 24 times. I have tried to email and still no results. Can you help me. Im XXXX XXXX XXXX of XXXX, MO Transactions Scheduled Pending Posted Filter Print Transaction Status Date Description Amount Balance XX/XX/XXXX XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX XXXX PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE XXXX CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS XXXX AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX This is a listing of what they kept taking. 
XXXX XXXX XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had two student loans from XXXX XXXX which were serviced by XXXX. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX.  From that point forward, XXXX has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. XXXX, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By XXXX continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with XXXX by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, XXXX indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, XXXX continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue XXXX for its willful behavior.

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 2015-05-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am a retiree concerned about identity theft. So, I logged onto XXXX and tried a few times to request a free credit report from Experian. At the end of the application process each time, I received a message stating : " We are unable to process your request ''. Out of frustration, I logged into www.Experian.com and saw that I could order a credit report if I created an account with Experian and paid only {$1.00}. I did n't see the fine print saying I would be charged monthly if I did n't cancel my account within a 7 day free trial period. After signing up, I received an email from Experian welcoming me, but it did n't mention a 7 day trial or any pending monthly fees. A month later, I was surprised to see that Experian had charged my credit card {$21.00}. When I called to complain, the first person that answered said they could n't refund the charge. When I asked to speak with the supervisor and the person said OK and put me on hold -- I waited for 15 minutes and hung up. When I called back a second time, a different person answered the phone. She agreed to cancel my account and refund the charge, but said if I had waited until XXXX or more charges had been made, they would n't be able to refund the earlier charges. It seems clear to me that Experian is deliberately try to fool people into signing up for the $ XXXX/month service and hoping they do n't notice for a few months. As a minimum, I think : ( a ) Experian should n't be allowed to block efforts to order a free credit report through XXXX, ( b ) their website page offering a credit report for {$1.00} should conspicuously warn the customer about what happens if they do n't cancel within 7 days and ( c ) their welcoming email should again warn the customer about the pending monthly charges. If the customer does n't want the service, they would see the warnings and cancel within 7 days. If the customer did want the service, they would ignore the warnings and continue with Experian. I think it is ironic and totally improper that a company we rely on to protect our financial well-being would resort to such devious practices to increase their profits!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The principal on this debt was paid directly to original creditor  XXXX   XXXX . Balance represents interest and i s three times th e amount of the loan.     It is illegal to report pay day loans to credit bureaus in Texas.       Ad Astra ignored by request to find out if they are licensed to collect in Texas.
Ad Astra s  aid they have new information on me that confirms the debt, but did not provide me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
So, last time I was on the phone with b of a prepaid regarding my edd account, I was told that actually, multiple cards remained active at the time of my most current card being active. So I believe I have a right to file a claim on my entire account since they dont even know which cards are active at what time. But they refuse to let me file a claim.

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 2022-01-01
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: Account status incorrect

Complaint:
My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing 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 2015-12-28
Company: Critical Resolution Mediation LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Debt collector called me threats to send me to jail never states the call recording or the fact she is a debt collector. Told me I had my end of week or police and state will prosecute me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2017-05-19
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The principal on this debt was paid directly to original creditor  Speedy Cash. Balance represents interest and is three times the amount of t he loan.     It is illegal to report pay day loans to credit bureaus in Texas.      XXXX   XXXX  ignored by request to find out if they are licensed to collect in Texas.      XXXX   XXXX  said they have new information on me that confirms the debt, but did not provide me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Question for TPD Student loans still appear on credit which has adverse effects on ones financial ability to obtain credit worthiness for issues and products and services.

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 2017-05-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I took out a auto loan with ally auto bank and since I been with them they been charging me high interest fees and when I called to have them explain the break down of my payments they could n't tell me how the interest was being calculated and more than half of what I pay was going to interest charges and nothing towards my car payment. I asked to speak to a  manager a nd the agent refused to transfer me until she said they are not available and someone will contact me within 48-72 hours, which no one called me back. It went on to where I lost my job and was behind on my payment and I told them my situation and they did nothing to help me. They also repo my car without sending me a notice. I called them to find out how and where to get my car back and they did not know where my vehicle was. They gave me  2 wee ks to retrieve my car paying the full amount before they sell it at the action. I made that payment before the given date and when I called to go pick up my car they said they did not know where it was and gave me a number to call the action. I called the action and lucky they did have it already in another city an hour away from my house and ready to be sold. They made a key for it and everything and ally charged me {$300.00} for a key that did not work. Since that I try to contact ally everyday about the issues I have and I keep getting agents from outside the country that keep telling me a  manager will call me back and they will put a note on the account and to this day I still have n't got to speak to a manager ne ither did anyone call me back. If I would have known that they were this bad as a company I would have never financed a vehicle with ally auto bank. I would just like to get my money back and return the vehicle because I feel like I am being robbed.

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 2016-07-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, I used to have XXXX XXXX XXXX credit card since XXXX and have been using this card until XXXX XXXX. Since the card was expired, they sent new card to my address and it was never opened or activated this card to do any transactions. Currently I 'm Living in XXXX since XXXX XXXX until to date. As I 'm planning to visit XXXX again, I tried to activate this card online recently, surprisingly I noticed that the card was charged with some transaction in XXXX XXXX & XXXX, XXXX in XXXX area and it was past due until to date and reported to all credit reporting agencies. My questions is how a card can be charged without activation and that too I 'm not living in that area or in the XXXX during transactions made. I tried contacting Merchant to resolve this issue but I 'm not getting proper response. I believe these transactions are fraudulent or transactions have been made erroneously by merchant. Hence, I would like you to conduct an enquiry on this issue and resolve this issue as soon as possible as my credit history has been affected. I 'm attaching statement showing fraudulent transactions for your reference. Please let me know if you need any further information from my end to resolve this issue.

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 2016-06-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX, XXXX, Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. 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 2016-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a duplicate account on my Experian Credit file and I have disputed this information with Experian on more than one occassion yet they continue to report XXXX the accounts. I do n't understand how XXXX different collection agencies can even own the same debt much less XXXX them report it on my credit report. I have attached a copy of my Experian credit report showing that XXXX the accounts say XXXX XXXX XXXX XXXX as well as attached documentation from both of the companies that they sent to me when I requested validation. Whether I owe the debt or not is not the point in this situation. The fact is that this account has been misreporting for years now and affected interest rates etc. for anything I have purchased. I 've spent hours disputing the accounts and following up and I 've done my part to get the issue resolved and seems as though noone can get their ducks in a row pertaining to these XXXX accounts being duplicates and both of them reporting. This is illegal.

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 2017-01-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has fail to delete wrong information on my report even though on the report results saids that all wrong information has been deleted.

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 2016-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've never opened an account with XXXX XXXX I 've never signed up to revive there services I was never shown prof of this being a valid account I never recived any goods or services for the above account nor did I sign up or give my authorization for the account

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 2017-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Today  XXXX / XXXX /   17  around  XXXX  police came to my house it 's the last thing bank of america has done to me I make a complaint 2 day ago about his lawyer harassed me now I have police caming to my house they say that bank of america call them and to check what is going in my house and I was doing some kind of fraud at the hospital this is getting out of control I when to the police department and they gave me the same information about bank of america they have all the information of the people that called from bank of america I do n't know what to do I feel scared about bank of america would do to me I make a complaint about they do n't want to help me with my morgage but they keep making me more sick of what I really I 'm they keep harassed me any way they can I have stated that I do n't feel good and I whish it 's not but bank of america make me nervous and scared

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 2022-01-01
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021, I consumer XXXX XXXX sent BARCLAYS US a cease and desist letter demanding they stop the infringement upon my intellectual property rights. BARCLAYS has threatened and harassed me to make a payment on this alleged debt. They threatened that my intellectual property would be closed and the account would be charged off, which is a violation of the FDCPA. I am demanding BARCLAYS to stop the willful infringement upon my rights. BARCLAYS also closed this account, that I opened, against my will and without my permission, which is a violation of the ECOA.

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 2016-08-25
Company: Nelson Cruz & Associates LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a threatening voice mail which I have recorded. 
This firm called me and stated they were the Law Firm of XXXX XXXX XXXX and that I missed a court appearance. 
I was very concerned as I have had financial problems in the past. 
I was told I was paying a judgment and it was a major discount. There were threats made to me if I did not comply.I have all of the paperwork to support this. 
I became very alarmed when I received a call and a letter from a firm stating that my account had been " recalled '' from Nelson Cruz and Associates and that my account was a simple collection matter. 
I was alerted that the payment made to this firm was not reported to them and they were shocked to see the evidence I had. 
I have read about this firm and have found nothing but negative statements and complaints. 
They are clearly a fraud and a scam. 
It is run by a man named XXXX XXXX that I have found out has been arrested XXXX.

Company response to consumer: Closed with non-monetary relief