BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened acct with HSBC 6 months back after confirming that I am eligible for XXXX $ bonus. 

contacted them 2 weeks back still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 explanation
Consumer complaint received 2021-09-29
Company: Conduent Incorporated
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a direct deposit from XXXX on two occasions to my state-issued way2gocard in the amount of {$690.00} and {$690.00}. I transferred the money from my way2gocard to my bank account. I received a confirmation that it cleared. Money never went to my bank acct. I called conduent and they stated that XXXX does not allow transfers and the money would be back on the card in 10 days. Nothing appeared. Called conduent back they confirmed the routing and acct # and disconnected me several times. I called XXXX they stated that the information provided was not true and they would esclate to a supervisor. Never heard back. Called conduent back, at this point they said the routing number was incorrect, verified and said the oney would be back on the card in 10 days. Nothing. Called Conduent again and they told me they would mail a dispute form, I received filled out an sent back on XXXX. They then sent a letter saying the money went to my bank account and to contact my bank. I contacted XXXX XXXX XXXX and they assured me the money was never sent to my bank. Now when I try to reach conduent, they disconnect my number automatically. I try from a different number and can get through but eventually after holding for over an hour it disconnects. I recently received a call and form letter from XXXX XXXX asking for account info, which I have not provided. I do not know who can help. This all seems like a scam and they are stealing the unemployment money. {$1300.00} has disapeared from the Conduent way2gocard into thin air. It has been over 2 months. XXXX does not respond, Conduent does not respond. I do not understand how an agency like this can work with our government. Not sure who to contact at this point, or even if this is legit or an ongoing scam. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Foris DAX, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I tried to stake {$400.00} worth of my CRO coin ( Crypto.com coin ), which had a balance of approx {$1900.00} at the time. Instead of deducting XXXX from this balance, they incorrectly charged my credit card {$410.00}. This card also charges a {$50.00} fee for any Crypto transactions. I immediately contacted Crypto.com and explained that they incorrectly charged my credit card due to a glitch in their system, and they need to cancel the transaction and reverse it immediately. This is easy to do by other companies, but they stated they couldnt do it and to ask my credit card company to handle it. I contacted my credit card company and they told me I wouldnt be responsible for the unauthorized charge and they would take care of it. My credit card company later refunded me the the {$410.00} and {$50.00} fee. 

On XX/XX/XXXX I transferred {$6000.00} from my savings account to my Crypto.com XXXX account so that I can make some purchases with the Crypto.com debit card. Recently Ive noticed I couldnt access the card nor move my money around. I contacted them through chat, and initially they stated that I had to get a letter from my credit card company stating that I was the owner of the credit card. I wasnt happy about that but was willing to do it. They then added that I needed another letter stating that I was withdrawing my initial credit card dispute of {$410.00} which THEY incorrectly made to my card. When I checked my account again and tried to buy something, I noticed that Crypto.com froze so my accounts preventing me from accessing my money! They stated that all my money was somehow related to the initial dispute. They are refusing to let me access my own money unless I provide these 2 letters. They are holding my money hostage. This is almost coercion or extortion.

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 2023-11-26
Company: Block, Inc.
State: PA
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:
Cash app has been an issue for me for quite a while in regards to an old account that I am the owner of but unable to access due to outdated and expired information needed to verify. 
I have an old account with cash app tag ( XXXX XXXXXXXX ), and when I XXXX in XXXX of this year, several people cash apped me to this old account. I have tried numerous of times to get answers on why I can not access my cash app funds. The phone number I had when I opened this old cash app account is on my public record as me being the owner. i however, have gotten a new number and have had the same number as of now ending in XXXX for the past 6 years. The phone number they have on record is XXXX. Cash app also wants to verify you using an expired credit card used to originally link the account which after 6 years has been expired/ and lost and wouldnt have that information. I have given Cash app my full name, and gave them the old number I used to have, but can not verify the debit card with the first XXXX digits they are requesting from me. I think its crazy. I have offered to submit my ID and also other information to verify it is me. Clearly the linked bank card they have has to have an address that is mine that is associated with my old and new account. My current account is XXXX XXXXXXXX. I would like my funds that are in the old account ( XXXX XXXX ) to be transferred to my new and current account. I have had the person call cash app who sent money to my old account and due to security reasons couldn't disclose information to them, and advised I call in. Which I have and even was on XXXX with cash app to verify each party. I still havent had my money refunded, nor was the account totally closed because the person who sent money even canceled it on their end, and was told after 10 days the money would be refunded. That still hasn't happened. I would like my money to be deposited into my new cash app. I know of at least XXXX dollars in the old XXXX XXXX account. The transaction id is # XXXX and the sender was XXXX XXXX with cash app tag XXXX XXXXXXXX. This was sent on my XXXX XXXX XXXX XXXX XXXX XXXX to my old cash app tag stated. The email I got as confirmation and even tried to verify with Cash app my email associated with the old cash app which is ( XXXX ). So I want my money immediately, as I have waited long enough. Spoke to several managers at Cash app with no resolution. Its unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: KLS Financial Services, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received a text stating : " Hi, you will now receive texts from KLS Financial Services ( a Debt Collector ) about your {$2700.00} unpaid balance with XXXX XXXX XXXX? 's call XXXX. Pmts and Info : sclk.me.PayKLS. Account XXXX '' This was not my debt. The debt belongs to an adult family member. I believe this is a deceitful email attempting to collect a debt that does not belong to me yet you email me it is " Your '' debt.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2019-06-12
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : TRANSWORLD SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill,  or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected.

Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX   University that gave you the right to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Continental Finance Company, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We sent police report to XXXX XXXX ( original creditor Continental finance of Missouri ) Then we got letter saying we needed to send report through Federal Trade Commission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years. 

Issue 1 : In XXXX and XX/XX/XXXX, my monthly payment due was $ XXXX/month. During XXXX and XX/XX/XXXX, my loans were transferred from XXXX XXXX to FedLoans, and I was placed in an administrative forbearance without my consent. Despite being in an administrative forbearance, I continued to pay my monthly {$0.00} per month even though no bill was generated. Therefore, I have been trying to get those two months counted as qualifying payments towards PSLF for over seven years. 

I have contacted FedLoans about this issue with no resolution. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing. 

Issue 2 : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ). 

In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month ICR payments be counted toward PSLF. 

Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} ICR payments. I made several inquiries about why those three months were not counted, and I have never received an update. 

I have contacted FedLoans about this issue with no resolution. I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, 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 2023-10-10
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the period XXXX thru XXXX XX/XX/2023 as an example there have been 14 calls from them, on the XXXX which was a Sunday there were 4, Monday the XXXX another 4 and today the XXXX there have been 6 as of XXXX. 

Before these dates they would on average call 5 or more times daily. 

Calls will start at XXXX and continue thru mid-afternoon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: IN
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX continues to violate the XXXX  discharge that we received on XX/XX/XXXX. 

The XXXX XXXX XXXX was filed on XX/XX/XXXX and XXXX on XX/XX/XXXX. XXXX received notice from the court, as well as me. I responded to XXXX debt collection emails on XX/XX/XXXX, XX/XX/XXXX, XXXX, and finally today, XX/XX/XXXX, all reminding them of the XXXX  and provided discharge documents. XXXX has instead chose to wrongfully and injuriously report further delinquency to my credit report. 

Credit disputes continue to receive incorrect information from XXXX, despite providing the court documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I've contacted this company Bank of America multiple times for this ( Late payment ) gotten No help, this late payment is affecting my credit because I never was late before.

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 2023-09-25
Company: EQUIFAX, INC.
State: CA
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: MI
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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