BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: Square Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2021 my 3rd round stimulus check has got deposited into my old cash app account that had been closed with debit card ending in XXXX with the amount of {$1400.00} USD I tried to contact cash app support via the app on my smartphone also email all I got was emails pretty much saying that theres nothing the support team can do about transferring the funds to my bank account or sending me a check and closing the account with the remainder balance to my address on file. They claimed that they can not override the decision and they also claimed to try and do a one time funds transfer to my new current cash app account which was unsuccessful from what I was told. so from that point on I tried to call a phone number that I got from the cash app website XXXX and I couldnt get in touch with a customer representative so all I have are these emails claiming that they can not override the decision to transfer my funds and screenshots of the error messages that they gave me. On XX/XX/2021 I got my second round of the stimulus check deposited into that same cash app account with the debit card ending in XXXX with the amount of {$600.00} USD and I was able to transfer that balance to my bank account without problem. At one point I kept getting error messages also stating that Ive have failed too many times trying to link my bank account and it had put up a security measure so I then emailed cash app support again and the next time I had tried to link my bank account with my cash app so I could transfer the balance I just got the same error message saying to contact cash app support at this point I dont know what to do i cant get in contact with cash app support through the phone and emailing is just turning into a timely process thats just taking too long just to be told theres nothing that cash app can do especially when Im counting on this money in a college student so I need this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to reach out to lakeview XXXX regarding my escrow issue, they are requesting over XXXX to paid and if not theyll roll it over to my monthly mortgage payment. I have tried unsuccessfully to go over this with someone. I really dont know what else to do at this point. They said my escrow was short by {$1800.00} but they are asking an additional {$2400.00} on top of that. I can not speak to anyone about this! Thanks.

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 2021-03-22
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
Experian and the attorney general re negligently reporting and not reporting information that is causing significant impact to my financial well being. After a dispute they remove and only to report again the very next month. The inconsistency and negligence of their reporting to loose a credit card and now ability to secure financing to purchase land and build a home.

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 2021-06-15
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 XXXX XXXX Discover Bank To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws such as 15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

, I hereby request that you cease and desist ALL communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe.

You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX, I live at XXXX XXXX XXXX, XXXX, AL XXXX. All other names addresses, and phone numbers listed below should be removed from my credit report ( s ). 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ended up moving to another address before I knew I was approved for my Unemployement claim.I didnt have a chance to get my debit card. My whole account was wiped out, I didnt notice until 2 years later.. Ive been trying to reach out for some time & was able to get through so I gave up. Until one morning I woke up & decided to call because I was receiving emails I called and found out my account was wiped out. I disputed the claims they denied both claiming it to be me. Its unfair

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 2022-12-16
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On Wednesday XX/XX/XXXX I had several transactions taken off of my card from a suspicious location in XXXX, XXXX. Upon getting the notifications I attempted to contact Netspend whom I use for all of my banking needs and the automated system indicated I needed to call back in the morning. I called in the morning and another transaction went through as I was explaining to the representative what happen. The representative informed me he would reverse the charges and i would receive a new card in the mail. I called today XX/XX/2022 to make see how long it would take to reverse only to be told by another represents that it was nothing they could do. I live in XXXX, Indiana. I have never been to XXXX XXXX and I dont know anyone in that country. I didnt give anyone permission to use my card or my account and Netspend dropped the ball by allowing multiple transactions to go through in which {$1100.00} was taking off of my card with no phone call or no block on the card. Netspend expects me to wait on them to give my money back when if they had a 24 hour phone number to dispute transactions the card wouldve been blocked right then and there. Netspend s customer service has dropped the bell and I want my money back.

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 2023-09-14
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: TX
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:
XXXX, XXXX, and Equifax have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX ( the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all XXXX credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1.00} Reason : Account is fraudulent

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

Complaint:
Today, XX/XX/2017, I went to XXXX to get my 3 free annual credit reports online. I was able to get 1 from XXXX, and 1 from XXXX. Equifax did not want to provide me with an online report. They said I have to mail a request to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/23, I sent a letter regarding inaccurate and unknown things in my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of as well as being ignored in 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 since it has been over 45 days, this should be deleted promptly. I demand that these accounts be deleted immediately, or I will file for litigation due to the stress you have 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 non-monetary relief
Consumer complaint received 2021-03-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Good evening : During the year 2020, I purchased from XXXX XXXX XXXX XXXX, XXXX 700 Boxes of its product XXXX XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX, but backed by XXXX company, which is located in California, then I I started sales through XXXX AND XXXX, of which XXXX boxes were defective, next step, I contacted the selling company and they didn't want to help me, then I started a dispute for XXXX and they couldn't help me either, then I started a dispute on the card from Chase Bank with which I bought the products and they gave me the money back and as the days went by chase bank the credit card, they reloaded it to my account for {$4700.00} and the Card is : Chase Bank number XXXX. 
Then I spoke with the people of Chase Bank and they asked me for more documents and I sent them that were the returns that my clients made on their defective products. 
CHase Bank without talking to me again gave the {$4700.00} to the company XXXX, which is a sales platform, and they sell defective products and the XXXX masks that sell them FALSIFIED, I ASK YOU TO PLEASE REVIEW THE CASE, and prohibit the company that sold, please re-sell your defective products.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: BARCLAYS BANK DELAWARE
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I noticed unauthorized charges on the card and called the company, Barclay Card about the issue but it has not been resolved and the charges totalling approximately 6000.00 kept appearing until the card was cancelled. The companies named on the invoice were XXXX, XXXX and XXXX, none of which i contacted although I do have a XXXX account. I have contacted the company several times. Paying these charges would very difficult in the present circumstances and is causing tension in the home, so i would like to resolve the matter as soon as possible. As a credit card customer who pays a yearly fee i thought i was protected from fraud of this sort, however i was unawware and not alerted to suspicious activity. For example over 70 charges rngeing from XXXX to XXXX were billed on a single day to these companies, shouldn't i have been notified? 
Thanks for your time and consideration, 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 monetary relief
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I have previously sent TransUnion a request to investigate an alleged debt on my credit report under the Fair Debt Collection Practices Act. TransUnion simply replied that the account is verified but did not provide the validation to me that was needed to determine if this was actually an accurate claim. I then personally contacted the XXXX XXXX  XXXX XXXX XXXX XXXX and asked for valid verification that this debt was mine. I knew I didnt miss a payment to the power company, for obvious reasons they are always the first bill I pay. All I received from the Collection Agency were term dates of Electric Service spanning from XXXX to XXXX and the alleged charges they claimed I owed {$170.00}. They had nothing to show me that could verify I owe anything. After a bit of research, it was determined that this does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate, incomplete document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone or simply created in human error. Their verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to their Company, because I dont. 

This collection on my credit reports are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if this is not deleted from my account within 15 days. 

Sincerely,

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 2021-03-22
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
They have not released my escrow refund after closing a loan over a year ago i have sent them letters and tried to call them and have sent emails. they said the sent us check number # XXXX in amount of {$1000.00}. and we never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was told by a Chase employee to contact here to get rid of all inquiries because there false and want get my credit score back I only asked for soft pull and get I do but I noticed my score went down so thats why I want these inquiries to be gone Im very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.

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