BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and are being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-01-22
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX was born at XXXX hospital XXXX. XXXX XXXX XXXX  submitted a balance owed to my collection report with no prior indication of a balance owed. XX/XX/ through ic systems. Debt was from improper insurance billing. XXXX supervisor XXXX stated on phone conversation that a wrong insurance was billed and debt should not be owed. Please remove from my collection report immediately

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 2018-11-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Block, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I sent my cousin XXXX XXXX ( $ XXXX ) {$50.00} thru cash app. XXXX who is XXXX had setup a new cash app account because her phone was broken, she didn't know how to retrieve the funds. She doesn't have the ability to comprehend how. I contacted cash app and explained it to them. They refused to refund my money. I was told that XXXX would have to call. I was on the line with XXXX trying to help her follow the instructions on getting the money. They told her that I couldn't be on the line. She called them back 3 times and could not get the money. She then told me to call back and speak for her and that she would be silent on the line. They started to help then for some reason, they said that they couldn't help or tell me why. As of today they still have not refunded my money nor did they give it to XXXX. This was a loan to XXXX 's she never paid me back because she never got the funds, nor did they refund me. This happened on XXXX XXXX. Today I sent my daughter {$82.00} she asked me for a few days ago, she declined it because she no longer needed it, yet cash app has not refunded my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking and saving accounts around XX/XX/2018 with Citi bank under the promotion of {$400.00} bonus with $ XXXX deposit for 2 months. I met all the requirements and confirmed by one of the representative on the online chat and confirmed that I should get the bonus by XX/XX/2018. The bonus was not posted as promised and filed a dispute. The case came back with reason that the saving account was closed which I did NOT initiate the closure of this saving account. And also at the time of the promotion in XX/XX/2018, there was no such a language that both checking and saving accounts need to be opened for the bonus to be posted. It seems like Citi has the  agenda of finding all kind of accuses NOT to pay the bonus while keeping customer 's $ XXXX for 2 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$7900.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00}.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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

Company response to consumer: In progress
Consumer complaint received 2023-01-10
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:
Re : XXXX Mortgage # XXXX In 2020, my wife and I were notified by XXXX that we could participate in a forbearance offer due to XXXX. We decided to participate and did so for a period of XXXX months. At the end of that time, we found out that XXXX, without informing us, had reported us to the XXXX credit reporting agencies as 60 days late. When we found out this negative information was on both of our credit reports, we made a huge payment to bring the account up to date. XXXX never told us of the limited time of the forbearance, XXXX months, nor that we would be required to make a XXXX or 3 month lump sum payment. We were mislead at a time when we were thought we were getting some type of COVId relief. Further the failure of XXXX to timely and clearly inform us that the forbearance had such strict limitations and was actually not a forbearance is disheartening. At the very least, we want the negative, 60 day late payment, reported by XXXX removed from the XXXX XXXX XXXX XXXX reports under our names as at the time we were in the agreed upon forbearance offered by XXXX. I have reached out to XXXX as late as last month with no resolution of this issue. Thank you. 
XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: DE
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted Synchrony about my Ashley Homestore credit card. 
I had a promotional purchase that waived interest if paid in full by a certain date. I paid the remainder of what the bill said to pay, around {$750.00} in XXXX. My account then had fees added and when i called XX/XX/2023 they told me that i still had {$1.00} left on my promotional amount. I told them i paid it in full. They said that because i didnt CALL THEM to tell them how to allocate that payment that it didnt go fully to the promotional amount ( may have gone in part to a late fee from a prior month ). By not paying the {$1.00}, i was charged {$750.00}. 
I ended up settling for {$300.00} but its ridiculous that they added so much to a bill that essentially had a dollar left on 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 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ I used my Capital one debit card to pre-pay for an emergency roadside service call to a company called 24/7 Roadside service. After hours sitting in a dangerous spot on a Texas highway I called them back and they said their service man was out of town. They said theyd refund my XXXX. Dollars within. 10 days. I then called another company who came immediately and paid them under XXXX dollars to change my tire and get me back on the road. 
10 days passed and no refund so I called capital one and disputed the charge. I also called 24/7 roadside and demanded my refund I was promised. I got put on hold and ignored. I did some research and it appeared to me that 24/7 does this to people a lot. 
Capital one put the money back in my account and I thought it was over. 
Fast forward to XX/XX/XXXX. 
I received a XXXX dollar refund from XXXX. But for some reason Capital one held it for days. I kept asking why but nobody would tell me. 
Then I woke up the morning of XX/XX/XXXX to a negative XXXX dollar balance. It said they had reversed the provisional credit for the service I never received. They never asked me anything, warned me of any issue, nothing. They then released my XXXX refund, which was eaten up by the negative balance. Nobody will talk to me about it, or allow me to dispute it further, or anything. I paid over XXXX dollars for a service I absolutely did not receive. I thought thats why we use banks and cards, so our money is safe. Capital one will not tell me why this took so long, how they made their decision, or anything. They just helped someone steal a lot of money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
From the onset of my experience with Comenity Bank  My BJ'sPerks @ World Mastercard , this bank and credit card company has routinely taken 21-28 days to recieve in the mail credit card payments and then process and post said payments thereafter.I routinely charge several thousand dollars to this credit card every month and always pay the balance off in full immediately upon receipt of the monthly statement.Due to the intentional dilatory processing and posting practices of Comenity each and every month since they've been administering to this account, I learned to get my monthly statemnt on line to then mail out my full payment thereon the very next day.This prophylactic practice notwithstanding, Comenity Bank consistently and still to this day, takes almost four, ( 4 ), weeks to allegedly receive, process and post payments on my account.The XXXX XXXX  Mail is so efficient that common law ascribes a mailing to receipt time period of a few days at best.There can be no doubt that Comenity Bank is engaging in unlawfula dndiscriminatory banking and credit card processing practices to bait unsuspecting consumers into being assessed and paying unlawfully charges late and penalty fees to Comenity for it's own malfeasance and intentional credit card payment processing practices.I recently instituted a bank to bank transfer as a test to Comenity and despite it's remitted protocol on their web site for doing so, yesterday 's transfer true to form has not been allegedly received and/or processed to date.I have several emails that I have made to and confirmed receipt by Comenity Bank concerning this continuous incidious banking/credit card processing misconduct but to no avail.This ractice can not be tolerated or controled and adequarte penalties as a future deterrent must be imposed.Very Truly yours, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: NC
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:
I have received a copy of my credit report and it shows company XXXX  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$240.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: MD
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-09-15
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX to provide them with 30 days written lease termination notice because I was being called to XXXX XXXX in excess of 90 days, as protected under the Uniformed Services Employment and Reemployment Rights Act ( USERRA ) as was outlined/suggested by my Unit. My lease was already going to expire on XX/XX/XXXX and I was establishing an effective termination date of XX/XX/XXXX. 

On XX/XX/XXXX, a representative for XXXX XXXX contacted me and said they were 'unable to release you from your lease without penalties '. I promptly responded requesting an explanation of what about the paperwork I had provided was unacceptable and for a copy of my lease agreement. On XX/XX/XXXX, the representative finally responded again saying that they had reviewed with their legal team and that their understanding was that USERRA did not provide these protections for service members ( which is definitely untrue ). Additionally, I was never provided a copy of my lease agreement. 

National Credit Systems , Inc. would later start pursuing me for {$4000.00} in XXXX of XXXX. This is outlined as a combination of my balance at move-out along with an insufficient notice and lease termination fee. 

I notified National Credit Systems in the Fall of XXXX that this debt was invalid and requested additional evidence that they believed this debt to be mine. They sent me a partial copy of the lease agreement on and tried to substantiate that the debt was valid. 

I sent them a letter in XX/XX/XXXX wherein I attached my original 30 day notice, all email communications between myself and the XXXX XXXX representative, and my military orders from XXXX. In my letter I also reinforced the specific code that applies in this situation is Section XXXX of the SCRA, 50 U.S.C. National Credit Systems then sent me a response on XX/XX/XXXX claiming that they felt this was insufficient evidence to validate my dispute. 

Feeling that what I sent must have been overlooked, I resent the previous evidence with a new letter on XX/XX/XXXX, providing additional context around what was previously provided. National Credit Systems sent me a response on XX/XX/XXXX echoing that I still have not provided sufficient evidence to validate my dispute. 

My issue at this point is that this debt is not valid but still appears on my credit report with the remark : 'Completed investigation of FCRA dispute-consumer disagreed '. This has been most recently updated as of XX/XX/XXXX. This collection should be closed, as it is clearly invalid, and promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief