BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX. Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. I requested for the documents showing steps taken by credit beaureu doing investigation. I never recieved it. I disputed with both creditors and credit bureau on multiple occasions to keep getting generic system replied. My FCRA has been violated on multiple occasions from transunion, 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 2020-10-02
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
SQUARE Since XX/XX/2020 we started to sell products through our web page XXXX   and our e-commerce was Square. The first days we passedseveralcontrolsof safety verifications with Square. Since day one, Square knew that our clients in XXXX paid with pre-pay credit cards.We have 84 transactions without problems.Aftereach sale, we received from our clients the Payment Authorizations and we shipped their productos. The shipping policies are in our website XXXX. In XX/XX/XXXX, four XXXX  clients bought some products and each client paid {$1100.00}. Two hours after, we received the terrible email from Square Were sorry to inform you that we are deactivating your account. We reviewed you account and found that your Square account processed an excessive amount of prepaid card transactions, with violates the Square Seller Agreement, and your outstanding balanceof {$4700.00} will be reserved for up to 180 days ( but no less than 150 days ). It was terrible for us! We shipped all products to the clientes, and we received from their the Payments Authorizations.Until today, we have not been able to contact Square, they have a big wall, by phone we need a code, they dont have email. We have the payment authorizations and its no problem, its safe to us and to Square. Square wrote that if we need the money, we may refund the payment back to the cardholder account, but its impossible!!! the Argentinian banks said that we need resolve the problem with Square. Square knows that in XXXX banks dont exist payment back and that Chargebacks dont exist.You can read that in many forums on the internet many people complain about the same situation with Square.They do not find a solution.We discovered that square to all those small businesses thatholds their money for 90 days.Our sales have been to XXXX people and Square is discriminating and they are applying a return term of 180 days.This is very bad.Please, helps us, so Square can refund us our money, the pandemic is hitting strong our economic. We are a small home business. We did spontaneous videos, but the COVID changed our business life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company is falsely saying I owe money. This cant be true. I have not received any letter in the mail for this matter. They are sending this message on behalf of the county court. This is absolutely ridiculous

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 2023-12-12
Company: ResidentCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Innovative Recovery acct # 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 2023-12-12
Company: Self Financial Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy.

( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance if the validation of debt request isnt completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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 have submitted multiple dispute letters as well as validation of debt letter because this account XXXX XXXX XXXX in the amount of {$260.00} is not mine however its still been fraudulently reporting on my report after I have sent in multiple disputes and police reports to dispute this fraudulent 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
NOT MY ACCOUNT : Account info Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$12.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$10000.00} Highest balance {$12000.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$7600.00} Highest balance {$8800.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$3600.00} Highest balance {$4300.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$850.00} Highest balance {$860.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$1200.00} Terms NA On record until XX/XX/XXXX NOT MY INQURIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$470.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$470.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX NOT MY NAME : 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 2023-04-19
Company: CITIBANK, N.A.
State: UT
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:
They are reporting incorrect information to XXXX XXXX and XXXX. I'm not sure why but the last reported and last active dates are incorrect. They need to be corrected ASAP. In addition XXXX shows the account still open when it's been closed for years. That too needs to be corrected. That is affecting my FICO score and I don't appreciate it. If it is not corrected at both bureaus I will include you in the law suit I file against the bureaus. I have all of my paperwork as proof and the complaints I've filed with CFPB with the bureaus. I ran this report with a company that allows me to run all 3 to see what creditors see on XX/XX/16. This is the result of that report. I want it corrected, no excuses!

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 2022-09-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Sent a transfer about {$1700.00} on XX/XX/2022 via Venmo. Venmo reported transfer complete, but recipient never received funds. Venmo then acknowledged it has funds but can not transfer to the recipient. Refused to reverse the transaction and refund funds to the sender, claimed department who could do that can not be reached by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Mendelson Law Firm
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved from my previous address of XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX a year ago. Today XX/XX/2023 I received a phone call from a law office of Mendelson Law Firm XXXX informing me that XXXX and company is trying to charge me for a drywall problem, carpet, trash and other miscellaneous issues. First, of all the trash I had a feeling about because I still drove past my old house after I moved and people was putting trash in front of the yard and around the house. Secondly, I call the company after I returned my keys because someone was going into the house and I wanted to let them know. I was staying in that home for XXXX  years and I have asked repeatedly to get new carpet or pull it up and all they did was put new carpet on the stairs. I had to rent carpet cleaning machines to try my best to clean that carpet. The drywall issues came from plumbing issues causing a hole to constantly be in the garage because of the leaking in the bathrooms. I am no longer able to log into the portal so I can show proof of constantly putting tickets in about that issue but I do have a picture and video. I dont get my deposit back for the house because I figured with all the trash out front they would charge me for that. But anything else I am not responsible for and no one tried to contact me before today with this issue. I always paid my rent and never was a bad tenant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I hereby dispute the non-reporting of my Capital One individual credit card account on my XXXX credit report. It has come to my attention that my individual Capital One XXXX account ending in XXXX is not being reported to XXXX, which is having a significant negative impact on my credit score and financial profile. I kindly request that the matter be thoroughly investigated, and the necessary actions be taken to rectify this discrepancy in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA, creditors are obligated to report accurate and complete credit information to credit reporting agencies such as XXXX. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) specifically states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. It is evident that Capital One has not complied with its duty to provide accurate information to XXXX concerning my credit card account. This has resulted in the omission of crucial credit history data from my XXXX credit report, leading to an unfair and unjust assessment of my creditworthiness. I have verified with Capital One that my individual credit card account is active and in good standing. All payments have been made on time, and the account reflects a positive payment history. Therefore, the non-reporting of this account is a clear violation of the FCRA and has unnecessarily affected my credit standing. I urge XXXX to conduct a thorough investigation into the non-reporting of my Capital One credit card account and promptly take corrective measures to update my credit report with accurate and complete information. It is essential that you comply with the FCRA guidelines and ensure that all pertinent account details are appropriately reflected in my credit report. Please keep me informed of the progress of the investigation and provide written confirmation once the matter has been resolved. Thank you for your prompt attention to this matter, and I anticipate a favorable resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Along with the repeated phone calls, I was strong held and intimidated into providing my personal information. The person I was on the phone with also tried to get my card number, although I repeatedly told her I will not do so and that I would need to look online for the debt. I felt extremely uncomfortable by her language as it was very aggressive and threatening. This phone call happened XX/XX/XXXX at XXXXXXXX 

Ive tried to contact this company to clarify this previously through email because I prefer to have paper trail of this of this nature. However, they just refused to email me for a year. After I forwarded them the email a year and some months later, they wanted me to call them. I then responded through email, for that is what I prefer. However they did not respond, and instead kept harassing me with phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I noticed that my cash app $ XXXX was closed it took cash app weeks to provide a reason why. I didn't do anything wrong I was having XXXX and family and friends was helping me and they closed the cash app. They only responded to me because I reported it to the cfpb after waiting weeks for them to respond. I created a new cash app $ XXXX on XX/XX/XXXX I noticed that cash app was closed and they are giving the same bogus reason. I don't do anything wrong my birthday was XX/XX/XXXX so I received cash apps and I guess they don't like the fact a XXXX XXXX  can have money coming in so they closed it. At this point I feel like I'm being discriminated against they closed my 2nd cash app within months of each other for no reason. Today is XXXX and I have asked Cash App for an answer I've called the customer service and those foreigners are rude and hung up in my face I felt so disrespected. I'm a law abiding citizen I don't do anything wrong and they close my cash app. I use cash app to send my family and friends funds and also they send me things. Doing this for a second time and not wanting to tell me why is absolutely wrong. I want to sue them for discrimination at this point. I don't know if it's Square or cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: GOLDMAN SACHS BANK USA
State: CA
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:
My apple credit card had an available balance of {$1500.00}, I made only one transaction of {$1300.00} in XX/XX/2023. I paid the balance on time with minimum payments. 
XX/XX/2023, the company took a total balance payment ( {$1000.00} ) unbeknownst to me. I called & let them know I didnt authorize this payment. 
They replied to me at a later date they gave me a reversal payment to my checking account, that I never received! Yet, they kept the transaction/high balance on my account. 
This brought my account a negative balance with one transaction & also is effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Information belongs to someone else

Complaint:
XXXX XXXX : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2020-08-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I mailed a factual dispute letter to Equifax highlighting its inaccuracies and incompleteness of reporting in regards to my credit file. Enclosed with that letter was a correspondence letter from XXXX XXXX XXXX, XXXX with highlights that confirmed the incomplete reporting and the inaccuracies in my file. 
Equifax responded, XX/XX/2020. This was the correspondence letter that prompted my request for the description of how the reinvestigation was conducted and how Equifax determined verification of accuracy and completeness regarding the results of the dispute. 
Along with the request for description of how the reinvestigation was conducted and how Equifax determined verification of accuracy and completeness regarding dispute, I also requested Equifax to provide copies of any documents bearing my signature, showing a legal binding obligation, also, the name, address, and telephone number of each person contacted regarding this dispute. To date, I have not received a reply from Equifax or any acknowledgment.

Company response to consumer: Closed with explanation