BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I filed debit card disputes with cash app due to purchases not being made by me. On XX/XX/2023 cash app denied my claims and stated that my disputes were false because I have interacted and purchased items from XXXX before. I used the chat function for cash app and stated that yes I use XXXX because I am an XXXX phone user. So naturally I would have charges from XXXX. But my XXXX ID was compromised. Also theres no way Cash App could have investigated all of the transactions that I am disputing in less than XXXX and when I asked for documentation of what they used to come to the decision of denying the charge they simple sent me a receipt of the purchase and said that the decision was final. This is not adequate as consumers are really being taken advantage of and companies like this are just sweeping widespread fraud under the rug and then to add insult to injury they state to the customer that they are committing fraud by simply exercising their right to dispute fraudulent transactions. I have also noticed that on a lot of consumer websites that Cash App is engaging in this behavior with dispute handling a lot. Customers who are victims of wide spread fraud are actually being victimized by this company and its dispute investigating process and deny claims and it has to stop. 
Transactions : XXXX Bill for {$28.00} XXXX XXXX for {$18.00} XXXX Bill for {$49.00} XXXX XXXX XXXX XXXX XXXX for {$100.00} XXXX XXXX XXXXXXXX XXXX for {$90.00} XXXX Bill for {$44.00} XXXX Bill for {$37.00} XXXX Bill for {$55.00} XXXX Bill for {$54.00} XXXX XXXX for {$89.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

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 2020-03-31
Company: Experian Information Solutions Inc.
State: IL
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:
I disputed the referenced account ( XXXX XXXX , XXXX | Acct # XXXX   ) on XX/XX/XXXX with Experian. Experian credit report of XX/XX/XXXX showed this account item was deleted from my credit file. A subsequent credit report of XX/XX/XXXX ( Report # XXXX ) and credit report of XX/XX/XXXX ( Report # XXXX ) continued to show this account item deleted from my Experian credit file. Now this account item has been reinserted on my Experian 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 2022-03-19
Company: Experian Information Solutions Inc.
State: PA
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:
It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit 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 non-monetary relief
Consumer complaint received 2023-12-23
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid XXXX directly XXXX XX/XX/XXXX XXXX. Receipt was mailed to me on XX/XX/XXXX XXXX XXXX 
Contacted XXXX thereafter due to the statement put on my credit report on XX/XX/XXXX XXXX XXXX and also filed a dispute with XXXX. XXXX results of dispute on XX/XX/XXXX XXXX XXXX shows the payment was not made to National Account system and I still owe. Filed another dispute with XXXX  and they kicked it back immediately saying I still owe it even after showing my receipts and email correspondence.

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 2020-03-11
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Equifax is not reporting any of my accounts that belong to me, the accounts are listed below : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX NONE of these accounts are reporting and should be!! yet Equifax will report fraudulent accounts that don't belong to me!! I need these accounts to be reporting properly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, 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:
My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX XXXX same acct # XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Town Square Mortgage & Investments, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I lost my earnest money of {$2500.00}, due to negligence of the staffs communication. I did everything I was asked of. I provided all documents in a timely manner ; within hours if not minutes. I was told my file was in underwriting when it was not, according to my app status. The sellers team tried reaching out to TSM several times with no response. No one worked on my file while XXXX XXXX, Loan Originator, was out sick. Which pushed back the original closing date from XX/XX/XXXX to XX/XX/XXXX. Furthermore, I was now past the timeframe to get my earnest money back in case something did not go through. On XX/XX/XXXX XXXX told me that I needed $ XXXX for closing cost. It was one business day before closing and he and the staff at TSM did not send my file to downpayment assistance ( DPA ) like they should have. This would have covered the cost of the closing cost. They still had my file in underwriting review on XX/XX/XXXX despite them telling the sellers that it was going to be out on XX/XX/XXXX ( see attached emails ). They never sent my file to DPA because they did not work it in time and there was no time left for them to send it and close on XX/XX/XXXX. Even if I may have not qualified, my file should have been sent to DPA prior to XX/XX/XXXX ( the original closing date ). My offer was accepted back in XX/XX/XXXX. There was plenty of time for my file to be worked in a timely manner. There are several emails from me and the sellers team requesting updates and me asking what else was needed to be done. In addition to the {$2500.00}, I lost out on {$1000.00} ; that includes the inspection and appraisal. I am requesting my earnest money back {$2500.00} and {$1000.00} due to the lack of communication and work effort from TSM. I have emails proving that my file was not being worked while XXXX was out sick. I spoke with XXXX XXXX XX/XX/XXXX and was told that I would receive my money back, but only to find out he is no longer there and have not heard from him. I than tried to speak with XXXX XXXX ( Branch Manager Sr. Loan Originator ) about retaining my earnest money back and I have yet to hear back from her since XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Accounts on my report I do not recognize

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : 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 2022-03-19
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022 account went overdraft by {$49.00}. The account was brought back to positive within 24 hours. On XX/XX/2022 account went overdraft by {$36.00} at XXXX but I brought back to positive balance within a few hours. According to https : XXXX I should be allow to have 24 hours to bring my balance back to positive without being charged with any fee if I didnt overdraft more than {$50.00}. I was charged {$35.00} overdraft fee for both time. 

Ive reached out to TD bank and they said they cant refund the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: General Motors Financial Company, Inc.
State: TX
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:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXXXXXX and also XXXX XXXX XXXX XXXX XXXX same acct XXXX XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!

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 2020-08-01
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Green Square Company LLC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The XXXX law firm is attempting to get money from me for a false claim of unpaid debt with a medical provider, reference # XXXX from their XXXX files. I was initially contacted by XXXX XXXX XXXX XXXX ( XXXX ) XXXX, who attempted to confirm my address and advised the XXXX XXXX, a law firm, was attempting to serve me. 

I contacted XXXX @ ( XXXX ) XXXX XXXX and was advised I had a balance in collections from and unpaid ~ {$5000.00} for a " XXXX XXXX XXXX '' on a XXXX XXXX  2019 medical bill, referred to " XXXX, '' from the original collector. 

The contact person with XXXX is " XXXX, '' email XXXX, XXXX XXXXXXXX. 

I was given the phone # ( XXXX ) XXXX for XXXX XXXX. XXXX XXXX was not my provider in 2019 as they claimed. I have contacted them as well as my current medical insurer, and the surgeon from whom I receive 2019 services and all claimed that this was a false billing, that my accounts were all settled. This appears to be a scam.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My daughter has not lived here for almost 6 years. They keep calling me to get in touch with her a bout a bill. I have told them at least 50-60 that she doesn't live here. I have given them her number. I have asked for someone in the US. I have asked for a manager. I have threatened lawsuits, and I have been told that i would be taken off of their call list more times than I can remember. I have also been on the national do not call list for over 10 years.Absolutely nothing will stop these people. I have been a customer of theirs for over 20 years, but it will be coming to an end soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: NJ
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 been requesting validation of the debt with proof of my name as a legal signature bearing my name since XX/XX/2022. I will enclose a picture of the US postal service offices certified mail receipt dated XX/XX/2022. I have requested to have these records corrected with the 3 credit reporting agencies with no success. I have tried to send all the letters I can politely requesting validation and I have yet to get proof and this company is reporting inconsistent information across the 3 credit reporting agencies. Enclosed I have a picture that is past the 30 days given with no investigation whatsoever into this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I spoke to a supervisor over an hour and made payment arrangements, of which i have just paid off entire loan XX/XX/XXXX and i just logged into their site to check my account and find out their records show that im in default after i paid it off!!! 
and prior to that i had received a call from them saying i missed my first payment as well. and i spoke to a supervisor as well. THEY ARE STRAIGHT OUT LYING AND RUINING MY CREDIT AFTER LOAN WAS PAID OFF TO!!!!! ASAP THEY ; ARE FRAUDULENTLY DISCRIMINATING AGAINST CUSTOMERS THAT PAID OFF THEIR LOANS!!!! PLEASE INVESTIGATE ASAP>>>>>

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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 is a hard inquiry on my report from capital one that was done fraudulently and I want it removed. Also in collections all of them have been cancelled and already taken care of because of NO CONTRACT prior to the start of the new year.

Company response to consumer: Closed with explanation