BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: MD
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 sent multiple letters to Equifax ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: M&T BANK CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was giving my daughter a loan via XXXX. I inadvertantly used an old email and I filed another CFPB complaint against my bank, XXXX  XXXX XXXX. The bank was able to confirm that the transaction was sent to M & T Bank, but since it was a completed transaction, they asked, but apparently M & T would not return my money. Hence, this complaint against M & T Bank. The account that the money was sent to was apparently in contention with my daughter, and she has not accessed the account in months, so it appears that M & T is trying to keep my money {$400.00} for their issues with her account. I don't feel that they should keep my money sent to them in error for a dispute that has nothing to do with me.The account in question is M & T Acct # XXXX. It is my understanding that my daughter has notified them of the error, and also filed a complaint with CFPB, but they are trying to keep my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Bread Financial Holdings, Inc.
State: CA
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:
Various orders were completed and XXXX XXXX and XXXX platform no longer allow viewing of all past orders to confirm amounts charged to card and verify that amounts for items returned were refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Park Hill Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CoreLogic Rental Property Solutions as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). CoreLogic Rental Property Solutions is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.

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 2021-04-23
Company: Square Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I " cashed out '' my cashapp balance to debit card which I had done plenty of times before without issues. This time the amount was {$3000.00} and it didn't instantly transfer like previous transactions. After a few days still nothing on my debit card so I called cash app and they provided me with the transaction and trace numbers which I gave to my debit cards customer service department and eventually on XX/XX/XXXX my debit card received the {$3000.00}. My debit card ended up returning the funds to cashapp for whatever reason on XX/XX/XXXX and I was told to wait 3-5 business days for the funds to show on my cashapp. I waited the 5 business days and when the funds didn't show I called my debit cards customer support number and they provided me with a transaction and trace number for the return. I've emailed cashapp repeatedly with this information and I haven't received any information on my funds or any type of help. I have asked the cashapp support team what to do next and how long I should wait and the response I get is ... 

" I have no further details to provide for this particular transaction, and no further action can be taken. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: MS SERVICES LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive disputed several times under the premise of no contract with that collection agency and theyve sent me statements and a document from a different company. I have no contract nor obligation to this collection company so therefore I need this deleted off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: USDA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I reached out to the servicer in XX/XX/2023 about the payment being sent from the Maryland HAF program that would have brought me current up until XX/XX/2023. The Loan officer told me that it would take 3 weeks for the payment to be applied to my loan. They would send me something in the mail with the update about everything applied which should have been for {$13000.00}. I told her that I was worried about the foreclosure and she assured me that no further action would be taken because they had the money to resolve my back missed payments. Fast forward to XX/XX/2023, I received a call from a bill collector from US Bank stating that my account was still delinquent. I explained to them that I was confused because I was told that the funds from MD HAF program would be applied to my account and I would be caught up. The representative apologized and stated they were noting the account that the payment needs to be applied to my mortgage. The same thing happened for XX/XX/2023. Here I am in XX/XX/2023, and the payment still hasn't been applied to my account. I have inquired several times and been given the runarounds about the payment but constantly harassed by phone at home and at work. My online account doesn't show an updated amount and doesn't give allow for a payment to be made at all. I am afraid that the servicer is trying to make me go into default again by making my payment double so I will be behind all over again. I firmly believe they are trying to make my interest rates go up and foreclose on my home purposely. I am trying to keep my home but this servicer has been very difficult to contact and resolve the issue that I clearly got resolved by getting help from MD HAF program. This servicer is trying to make me lose my home by delaying applying the payment on their end for the past 3 and a half months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 I requested to close my account with Chime Bank and receive the balance of my account ( over {$1000.00} ). As of today ( XX/XX/2021 ) I still do not have the check that Chime indicated would be sent to me after the closing of my account. I have contacted them an exhaustive number of times and each time I am told that my issue will be sent to the escalation department who each time tell me the delays are due to COVID and they will reprint the check and expedite shipping. Yet here I am. With no " reprinted '' or " expedited '' check. It does not appear as though I will be able to get out of this circle of contacting them, being told it will be escalated and expedited, only to sit here without money that belongs to me and has caused a negative financial impact on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: PA
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:
Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

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 consent. 

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-31
Company: Experian Information Solutions 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:
Despite repeated requests, Experian Credit Bureau has failed to follow through with my dispute regarding unlawful inquiries and reports that fall under the Fair Credit Report Act, FCRA. Specifically, on XXXX XXXX XXXX XXXX I received an alert indicating that XXXX XXXX XXXX in Arizona had obtained a new hard inquiry on my credit report without my permission or knowledge. Despite informing Experian Credit Bureau of this unlawful inquiry, they were unable to assist me and directed me to handle the matter with XXXX XXXX XXXX. 

It is worth mentioning that XXXX XXXX XXXX procured a Credit Report copy under an incorrect name, and the Experian Credit Bureau was duly informed of the error. 

Furthermore, on or about XXXXXXXX XXXX XXXX, I discovered that three accounts on my credit report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, were showing as 30 days delinquent despite being closed several years prior. After requesting an investigation into the matter and being informed that the accounts were verified as accurate, I contacted Experian Credit Bureau again on XX/XX/XXXXXXXX XXXX XXXX. Despite being told that the results of my dispute could take up to 30 days, I received a response within 48 hours stating that the information I disputed had been verified as accurate.

The notion of an account ( s ) being 30 days delinquent despite being closed for several years is mathematically inexplicable and defies rational explanation. 

It is unclear why Experian Credit Bureau is unwilling to remove these unlawful inquiries and reports from my credit report, despite my repeated requests and evidence to the contrary.

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 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit 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:
I filed original complaint on XX/XX/23 complaint ID XXXX You have this as being closed. Yet I did not receive a statement from the bank explaining why I can't get my monies back. Can you look into this? What did you get back to close this complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX - COMPANY SOLD THE 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 2019-06-27
Company: EQUIFAX, INC.
State: MO
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: Other problem getting your report or credit score

Complaint:
I tried filing a dispute on Equifax website. Took me a few different times trying to access my free report and finally it gave me an error message stating they needed me to call them direct in order to verify my info. After I called and verified my info they were able to start my dispute over the phone. I explained I needed help with gaining access to their website so I could keep track on my own the process and final results of the investigation. I was told at that time there was no one who monitored the website to help me gain access ( Which what was offered on the error page ). They disputed EVERYTHING on my report even my car payments that I make each month that did not require nor did I want disputed. Today I received an email that the investigation was complete and I needed to log in and obtain my report. I again tried to log into their site and again was not granted access so I called. They verbally gave me the results but said I needed to pay for my new credit score. I explained I was told on their site that I would receive an updated credit report and score once the investigation was complete. They refused to provide me with my new updated score and stated I needed to pay for the service. I explained to the lady I was told it would be provided directly after the investigation and that I did not feel comfortable paying to use their site that I could not get access to she refused and after I asked to speak to a supervisor she refused to let me speak to one and then transferred me to a survey which disconnected me directly after. Equifax has MY credit file and are responsible for a large portion of my lively hood since credit plays a HUGE factor in my ability to obtain credit based on correct information and score they are responsible of keeping track of. Not allowing me to gain access to that information and denying me my right to have the information is completely unacceptable. No one should hold that much power over me without the right to obtain the information and have access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: BB&T CORPORATION
State: AL
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:
My wallet was stolen, and attempts were made to use my credit cards. I filed a police report, and they located the people who were using, and attempting to use, my credit cards. 

The detective handling the case needs information about the attempts to use the cards. One of the banks refuses to provide the information even though both me and the detective have been to the bank on three separate occasIons ; I filed a complaint with the bank 's complaint line, I called the fraud department three times, I wrote the XXXX. I've gotten no response. 

At first, the bank refused to provide the information, saying that only if me and the detective went into a branch together. When the police detective and I went to the bank together, a woman helping us showed us the attempted uses of my card on her computer screen but refused to download it or take a screen shot for the detective, saying she " couldn't ''. I read off the information and the detective wrote it down by hand. When he took the investigation to the DA 's office, the DA wanted him to get a bona fide transcript of the time, date and location of the times the thieves attempted to use my credit card. 

I went back to the bank, requesting a print-out of the attempts to use my stolen credit card. The woman was on vacation and nobody else could get the information. I called the fraud department again, and was told that this isn't the first time he's heard of this problem and that I should get a " warrant '' -- I think he meant subpoena. Why should the police have to issue a subpoena to get information to prosecute people committing credit card fraud? Why does the bank refuse to cooperate in prosecuting credit card fraud? There is something really wrong going on here because the last fraud department person I spoke to told me this isn't the first time people have called saying the bank won't cooperate. 

I can not view the bank 's actions in any other light than aiding and abetting credit card fraud, and apparently that policy is institutionalized within the bank. This needs to be investigated.

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 2023-01-21
Company: ERC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is regarding account # XXXX, which you claim I owe {$870.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice in the mail from Transworld Systems Inc about a debt to XXXX XXXX Hospital. The amount they demanded is the same as the bill I just paid. I called the number of Transworld listed on the letter ( XXXX ) and was asked for my birthdate for " verification purposes '' and I am afraid I have been scammed. The operator told me to disregard the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had insurance during this time. The office for XXXX XXXX OF THE XXXX XXXX was submitting my old insurance for this bill. They were not submitting the invoice to my NEW insurance which was prodived to them multiple times. So they sent the invoice to collections. The total invoice was 100 % covered by my insurance. It can not be covered by insurance now because it was sent to the debt collector over a year after the service debt. I should not owe this debt because it WAS covered by insurance. The doctors office clearly can not do their job in the billing debt to have had it processed correctly. Attaching documents of when my insurance started and is still covered to this exact day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation