BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had disabled my card on cash app because I noticed a unauthorized transaction for just a {$1.00}. I called the company which was a construction site and they said there was no way it was them. The next day another unauthorized transaction tried to go through for XXXX in NY. So I immediately reported my card stolen. They were sending me a new card. A couple days later, before I even received the card, I enabled my card just for a few mins to send someone {$20.00}, and my card got drained. 3 more transactions to XXXX in NY totaling {$990.00}. I hadn't even received my card yet or even used it. I reported my card stolen again, I got a new account number, new card info and another 2 unauthorized transactions tried to go through but was declined because my card was disabled. I contacted XXXX, they tell me to contact Cash App. Cash App tells me I have to wait till the transactions are no longer pending. I file the dispute and they said they will contact me within 10 days. That was done on XX/XX/XXXX and XXXX. I contacted their support through the Cash App app. They tell me my cases have been escalated and the will notify me through email with a update. I just really need my money back, I live off XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a 1033-c from Truist bank and after looking up this financial institution I found that it was Suntrust. This stated they discharged a debt of XXXX -- I have no idea what this would be. I did find out it was a joint account and may be under the name of XXXX XXXX XXXX since it was not paid after our divorce. I have never received any correspondence about this debt until I received this 1099-c in the mail. I tried contacting this bank with help about this and got no response at all.

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 2022-09-01
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from XXXX on Tuesday XX/XX/2022 at XXXX XXXX Arizona time, they told me I was in collections with TD Bank USA, N.A which is my Target Red Card. I had not received any notice in the mail and I wasn't sure who this XXXX is. I have mental illness and this was causing me distress. They said I needed to make a payment. I said that I would like to settle. The lady said let me check. She said I could settle for {$290.00} I told her I could only afford {$170.00}. I said that I was going to be going bankrupt soon but was trying to settle as many of my debits as possible before that. I gave her a credit card and it was my understanding that I would settle for {$170.00}. I now find out that I was just making a payment. I called back and told my that I have special needs and that I have mental illness and that I was taken advantage of. They said I was never offered a settlement. I then pressed and they said yes the lady did say {$290.00} but that I was not allowed to do that. I feel taken so I requested to talk with supervisor and I got the same lies and that I was never approved for a settlement. Please help me if you can. I thank you. I called Target Red card and they said it was a payment not a settlement. So I closed the account. They took advantage of a person with special needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
CAPITAL ONE AUTO FINAN LATE PAYMENT Balance {$30000.00} Updated on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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:
I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNT. IT IS TO MY UNDERSTANDING THAT LATE PAYMENTS ARE AGAINST THE LAW. CORRECT ME IF I'M WRONG BUT LAW IS LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file 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 explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am aware that consumer reporting agencies have received my nonpublic personal information from XXXX fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom XXXX has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies XXXX have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. XXXX furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe XXXX is criminal enterprise involved in conspiracies to cause restraint of commerce.

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 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
On XXXX/XXXX/XXXX. I was approved for an auto loan through XXXX XXXX XXXX. They also operate with other names, all of which I can not think of. My loan with them was, for the most part, smooth but fraught with terrible customer service. On XXXX/XXXX/XXXX, I was apparently late for a payment and XXXX XXXX XXXX decided to repossess my vehicle. After jumping through hoops with them, I paid off the collection fee AND the repossession fee that same day. The total amount for that transaction was about {$540.00}. This is even reflected in my payment history which I had requested from XXXX XXXX XXXX. My account was closed with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and everything was satisfactorily paid in full and my account balance was XXXX. I received my title from them, and immediately filed for a new title to completely remove XXXX XXXX XXXX as the lien holder since I did not trust them XXXX bit. That vehicle in question was later traded in to purchase a new vehicle sometime in XXXX XXXX. Prior to that, in approximately the beginning of XXXX, I applied for a mortgage. My mortgage agent stated to me that on my credit report, through Transunion, the XXXX XXXX account still shows as open with a balance of {$540.00}. I immediately called XXXX XXXX and they stated that my account shows as paid in full. I requested proof of that, and I was mailed out my payment history. I asked the representative to immediately report my account as paid in full and closed, but she was not helpful in giving me any information why it was still open, and instead told me to go online and file a dispute, since " they did everything correctly. '' I am filing this dispute with the CFPB against XXXX XXXX XXXX for pure negligence in reporting my account as correctly closed and paid in full to Transunion. XXXX XXXX XXXX is rude, completely not helpful, and deceitful in every imaginable way. They need to be held accountable for their shady tactics and deceitful business practices. They were no help at all, as offered no sympathy or assistance in assisting me 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 2017-08-29
Company: Ad Astra Recovery Services Inc
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I filed a Chapter XXXX through the US Bankruptcy Court. Notice of the filing was sent to AD Astra Recovery Service and their client XXXX XXXX XXXX After receiving notice, they violated the immediate " automatic stay '' by reporting the debt to the Credit Bureaus. They have each month continue to collect the debt by reporting the delinquency each month. The last update was on XX/XX/XXXX. I spoke to a team lead and then to the Collections Supervisor, XXXX. In a recorded call, she affirmed receipt of the " NOTICE OF BANKRUPTCY '' and that " they will continue to collections process until the debt is discharged ''. I advised her that her collections activities were in violation of the Bankruptcy laws. She advised that they will continue the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2019-11-19
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I have been in contact with all major bureaus letting them know that a bankruptcy that appears on my credit file does not belong to me. Two of which have respected my wished and removed the bankruptcy from reporting. However, Equifax and XXXX have not. I have sent in paperwork multiple times with proof that the bankruptcy does not belong to me ; I have filed an FTC report and specifically stated for the information to be " blocked off my credit report file pursuant to section 605B of the FCRA, '' to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am not familiar with these charges. I have been unable to contact the bank to get a replacement card or to open an investigation. 


XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX, PA, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXXXXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXXXXXX, XXXX  XX/XX/2022 XXXX XXXX Withdrawal SXXXX XXXX XXXXXXXX XXXX, TN, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX 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 explanation
Consumer complaint received 2022-09-01
Company: Block, Inc.
State: MI
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 have been victim of identity theft over two years ago and am still having new accounts opened with my stolen personal information. 
The company CashApp has continually sent me debit cards for new accounts that have been opened in my name. I have received nearly 10 different cards with my information on them. Their customer support and fraud team is disappointing to say the least when it comes to providing help to close these accounts. 
I am asking for your support in getting this company to cease allowing anyone to open accounts using any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax had a security breach, yet I am now somehow responsible for paying fees on Credit Freezes to protect myself and my credit because Equifax decided to keep my personal information in plaintext. Nope. Equifax can pay to put freezes on my credit, since they were irresponsible with my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX XXXX/XXXX. Each yr when visiting the office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to the a collection agency in XX/XX/XXXXI contacted XXXX, explained the situation, and completed a complaint form. I advised that XXXX XXXX ' office never advised me that they did not participate in XXXX XXXX as indicated on my ID card. The office has turned my account over to 2 different collections agencies for 2 different amounts. American collections XXXX XXXX XXXX, XXXX, VA ( XXXX ) .for {$83.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN ( XXXX ) for {$99.00}.

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 2022-03-09
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying as the executer of my mother 's estate to get People 's united bank in XXXX to disperse my deceased  mother 's CD funds to the listed beneficiaries. I first went to the bank in XX/XX/2021 ( her death was XXXX ) and provided a death certificate. I was advised that I needed a letter of authority to disperse funds. Other accounts ( with different financial institutions and listed beneficiaries ) were dispersed without such requests. I eventually got a letter of authority from the probate court in XXXX  and provided this to them along with current addresses for all my siblings as beneficiaries. My mother had us all listed on this account. The People 's representative then stated that they wouldn't accept this letter of authority. I have since got the estate lawyer to apply pressure to disperse the funds, but they have gotten the run around as well. I had no such trouble with the many other bank accounts, ira accounts, or 401k accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Avadyne Health Holdings, Inc
State: IA
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:
There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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 XXXX XXXX  and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to XXXX to get my Equifax annual credit report. I request my Equifax report at this time each year ( and do the other ones in XX/XX/XXXX and XX/XX/XXXX ). The same thing happened this year as in XX/XX/XXXX : I answered the verification questions to the best of my ability, but was denied access to my Equifax credit report. InXX/XX/XXXX, I was successful in getting my XXXX and XXXX reports but not my Equifax report. This year, I successfully got my XXXX  report, but AGAIN failed to get my Equifax report ( I wo n't try for my XXXX report until XXXX ). My complaint is that the questions are too vague and deliberately tricky. They expect you to remember the month and year that you opened credit accounts! That is not reasonable. When I do n't have an account with any of the four companies shown in the responses, it is easy to answer " None of the above. '' But I do have a mortgage with one of the companies they listed, so I checked it off, even though I could n't remember if " opened around XX/XX/XXXX '' was the right date for that particular credit union 's HELOC that I have. Then the fourth question was what is my scheduled payment on that mortgage. Since it is {$50.00}, I answered the $ 0- {$190.00} response. Then I submitted my answers and it failed me. This is so frustrating! Now I have dug out my HELOC statements, and the account was opened in XX/XX/XXXX. There 's just no leeway. Apparently I should have answered " None of the above '' for that question as well. I understand the questions need to be specific enough to zero in on me. But I 've given my DOB, SSN, and address already, so I think the questions should be less tricky to get right. Now I again have to mail away the paper form and proof of who I am to get my Equifax report for XX/XX/XXXX instead of being able to use the online method. And when the very hefty paper report comes, I have to sit here and scan it all in so that it is saved with the other credit reports I 've gotten online. I am trying to do the right thing and examine all of my credit reports once every year, but the system is stacked against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: TN
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:
I received Dispute Results Report # XXXX for XX/XX/20 Experian has my Public Record Unchanged and they used the XXXX Consumer Center to obtain their Public Record Information ... 

I Contacted XXXX Consumer Center Twice to obtain my Public Record Information as Stated on my Credit Report but they could not  Verify the Information I have Attached Evidence of my Correspondence with XXXX Consumer Center ...

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 2020-07-30
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get an insurance check co-signed by the mortgage lender so I can deposit it in my account to pay for water damage caused to my condo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation