BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: Central Portfolio Control Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification from a seperate collection agency ( Central Portfolio Control ) that I was sent to collections. I was notified of the charge in XXXX of XXXX, and the default on a loan was in XXXX of XXXX. This was the result of a fradulent charge and identity theft that I was unaware of until I received this notification. 
The current creditor os XXXX XXXX XXXX Original Creditor was XXXX, XXXX XXXX Original account # Internal file to Central Portfolio Balance : {$1000.00} Someone fraudulently opened an online loan in my name from a previous address that I had not lived at since XX/XX/XXXX. I reported to all credit reporting agencies and the collection agency. They said it was a legitimate charge and it is NOT! I provided documentation that showed I was living out of state in XXXX including by tax return and a paystub. They still refuse to remove it from my credit report. IT IS NOT MY CHARGE! 
After I called and left a voice mail with XXXX, I have been overinundated with scammer calls and I am convinced they have sold my data for harassing solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CCS Financial Services, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX at address XXXX XXXX XXXX never opened up a XXXX account. I have been a resident at this address for 20 years. This account was opened unauthorized by me. I filed fraud and submitted a police report regarding this account and it was removed from my credit. It reappeared in XXXX out of nowhere. Remove this item from my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Company - CashApp XXXX  XXXX  Primary Problem # 1 - Missing {$200.00} in a series of payments received between Monday ( XX/XX/2020 ) through Wednesday ( XX/XX/2020 ). 

Primary Problem # 2 - The CashApp Website provides no phone number to contact them for support and none of the self-help narratives offer a process to resolve this type of problem. 

Details : These 30 transfers are the payment activity ( including CANCELED transfers ) during this period : 1. Amount = {$50.00} - XXXX $ XXXX, Monday, XXXX XXXX  2. Amount = {$35.00} - XXXX XXXX XXXX  XXXX, Monday XXXX XXXX  3. CANCELED - Amount = {$450.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  4. CANCELED - Amount = {$300.00} - XXXX XXXX sent by XXXX XXXX, Tuesday XXXX XXXX  5. Amount - {$100.00} - XXXX XXXX XXXX, Tuesday XXXX XXXX  ** CASH-OUT = {$180.00} 6. Amount = {$450.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  7. Amount = {$100.00} - XXXX XXXX XXXX XXXX, Tuesday XXXX XXXX  8. Amount = {$38.00} - XXXX XXXX XXXX XXXX, Tuesday XXXX XXXX  9. Amount = {$10.00} - XXXX XXXX  XXXX, Tuesday XXXX XXXX  10. Amount = {$50.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  11. Amount = {$75.00} - XXXX XXXX  XXXX XXXX XXXX, Wednesday XXXX XXXX  12. Amount = {$320.00} - XXXX XXXX XXXX  XXXX, Wednesday XXXX XXXX  13. Amount = {$480.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  14. Amount = {$94.00} - XXXX XXXX  XXXX, Wednesday XXXX XXXX  15. Amount = {$66.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX   16. Amount = {$100.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  ' 17, Amount = {$200.00} - XXXX   XXXX XXXX  XXXX, Wednesday XXXX XXXX  18. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX   XXXX, Wednesday XXXX XXXX  19. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX   XXXX, Wednesday XXXX XXXX  20. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXXXXXX, Wednesday XXXX XXXX  21. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX,  Wednesday XXXX XXXX  22. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  23. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  24. CANCELED - Amount = {$300.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  25. Amount = {$120.00} - XXXXXXXX XXXX XXXX, Wednesday XXXX XXXX  26.Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  27. Amount = {$50.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  28. CANCELED - Amount = {$390.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  29. CANCELED - Amount = {$390.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  30. Amount = {$60.00} - XXXX XXXXXXXX XXXX XXXXXXXX, Wednesday XXXX XXXX  Total Payments = {$2200.00} Total Showing Available on CashApp for Cash - Out = {$2000.00} TOTAL MISSING - {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have multiple 0 % balance transfer offers on this card. 
I have paid regularly over the last 12+ months.

I requested that amounts over the minimum payment be applied to the first incurred debt.

The first incurred debt was where payments have first been applied over the course of the promotional period. 

For the XX/XX/2020 payment, the last month of the first incurred promotional period, I paid the remaining balance of the first incurred debt. Barclays applied a partial payment to the promotional balance that was ending and XXXX, and the rest to the promotional balance that ends in XX/XX/2020. 

This is unfair enrichment, deceptive business practice, and downright unethical. I request and adjustment, and Barclay claims their policy is to apply payments at their discretion. There is already case-law on this topic from over a decade ago. I'm requesting intimidate reversal of the payment, to then be applied as was directed in my previous communication with their customer support team. 

I am also seeking a discretionary credit to the outstanding balance for the time I'm spending disputing their unfair practices.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several bogus accounts on my credit report. I am attaching the letter sent to credit bureau for deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Bank of America stopped my credit card. I noticed it when I tried to use the card for the XXXX XXXX  in XXXX, which was {$2.00} one ticket. I contacted BoA on XX/XX/XXXX with one of their customer representative, and was told that my credit card has been stopped so that I will not be able to use the credit card anymore. At the same time, the checking and savings accounts of mine with BOA will be closed in two weeks too, which will be done the process of deleting those bank accounts on XX/XX/XXXX. I asked the reason why they decided to delete all my accounts, and they refused to answer and said they made the decision based on their policies. I wont be told the reason based on their bank policies either.

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 2020-04-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Best Buy Visa Card had a fraudulent charge of {$2.00} for a " Best Buy Donation '' Which I never made, I called to dispute the charge. After several hours and back to forth calls and transfers making it extremely difficult to get a resolution they finally said they would look into the disputed charge. I finally received a letter in the mail regarding my fraud claim, it states that they looked into the fraud claim and they are removing the charge and interest and related fees. However, my most recent statement is still charging me for this fraudulent charge and fees and stating that it is two months late, but now the charge says a 'balance transfer '' for that fraudulent charge. I have great credit and this has now lowered my credit score down substantially. I have done everything in my power to call and resolve this with this credit card company and they are acknowledging it as fraud but not removing from my credit card and continue to call me with an automated collection. I try to call and can never get anyone on the phone to resolve this, I keep getting transferred and transferred to now one. This seems like scam that they are charging their customers and I don't no where else to turn.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reach out via mail, and phone to all three of the credit reporting companies Transunion, XXXX, XXXX, the creditors, and collection agencies companies many times to advise that my identity has been stolen and the accounts reporting on my credit report does not belong to me I didn't benefit nor authorized anyone to use my personal information to obtain any account in my name nor under my social security number. I request that the information on my credit profile be removed and updated correctly. I also requested my wet signature on all documentation that was collected with my authorization to obtain access to my credit profile and add inaccurate information. They have all failed to remove and update my credit report correctly even after being informed of the fair credit act. Please see attached documents.

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 2023-04-21
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened XXXX XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XXXX  Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: NY
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:
As per my previous complain I was advised by CRA to contact them and give them authorization to conduct investigation .I contacted them on XX/XX/2021 and gave them authorization to conduct investigation. 
Since its not a first time I request such investigation I assume the CRA has already enough evidences that they received from the furnisher to confirm accuracy of the reported account. 
Therefore I demand them to submit to me all such correspondence from the furnisher to me by certified receipt mail and send such copy to CFPB as well. 
I demand CFPB to notify me in writing that they did receive evidences from the furnisher submitted by CRA to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX Date Opened : XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CITIBANK, N.A.
State: AZ
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:
On XX/XX/2022 my Citi Rewards account was reported 30 days late and was past due of {$1400.00}. I spoke with a representative on the phone although they were very nice, I wasn't able to get assistance in this situation. Due to being in the hospital for health reasons I was unable to make my payment as I usually have since being a member. Once I returned home and got back on my feet my account was 36 days past due, but I was able to get ahold of a representative and make a payment of {$3000.00} to show good faith on paying my balance.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion dark pattern

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 2022-11-03
Company: Experian Information Solutions 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:
On XX/XX/22, I discussed the potential that phony accounts may have been reported on my consumer file with representatives from Experian, XXXX, and XXXX. I begged them to delete the accounts because I didn't know how they got there or anything about them. All three businesses gave me the go-ahead to submit paperwork and complete an FTC report XXXX On XX/XX/22, submitted my letters via certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. This problem has me baffled and irritated since it prevents my family and I from being able to purchase. On XX/XX/22, I called all three companies once more and asked how they could establish that these accounts belonged to me. They only stated that they were unable to assist any further and advised me to contact the creditors directly. It didn't surprise me when I made an effort to get in touch with each creditor who had been erroneously asserting on the consumer file that they were unaware of me or the accounts. I had run out of options, so I went online and found the CFPB website, which some of my friends had advised would be helpful in my circumstance. I sincerely hope that this is helpful since my family and I are trying to apply for a house.

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 2023-02-21
Company: EQUIFAX, 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:
I have several attempts to have Equifax comply with 15 USC section 1681b & 1681 ( 2 ) ( a ) ( i ). My last correspondence was made XXXX. Equifax has shown no attempt in comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 Synovus completed its purchase of FCB Financial Holdings. I used to have an account at FCB, which I promptly closed ahead of the merger completion date. I've never been a customer of Synovus, neither do I want to be. I have received multiple emails from Synovus that just won't stop and they have no opt out link in them. I have reached out to the local President of Synovus on several occasions ( one of the emails was a welcome letter from him ) asking to be removed from the email spam. 

Today, XX/XX/XXXX at XXXX I received another email from Synovus informing me of customer wait times longer than normal. I don't care : I'm not a customer. Any emails from Synovus sent to me at XXXX must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PLEASE REFER TO THE ATTACHED DOCUMENTS PLEASE Dear XXXX, TransUnion, and XXXX The following damages will be taken to civil court on XX/XX/2023 in XXXX XXXX if, monetary relief isn't given for the following damages : {$5000.00} in monetary relief under 15 U.S.C 1692k. 

1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

4 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation.

5 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal.

According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit with the following documentation. 

XXXX, Transunion, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance. Once again, a police report isnt needed in the identity theft block and removal process. 
INVALID INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to access online accounts. Consumer agency XXXX representative asked to send social security card to an email address.Tried to login to Transunion report and received an error message " consumer not authorized to receive service '' Error 310 that was placed on my credit report by a customer service agent. These are unheard of events and I feel that I need help to dispute these items to gain access back to my credit report. I initially placed a fraud alert on my report with a change of address to XXXX XXXX XXXX XXXX XXXX Ohio 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