BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: LA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 explanation
Consumer complaint received 2023-07-28
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been notified by the debt collector of an outstanding debt that I did not create nor authorize. 
I was not seen by or treated for by the client of the 3rd party debt collector. 
I did not sign, authorize, or receive any treatment or service on XX/XX/2019. 
The debt collector is unable to provide the proper/correct information such as : Signature of authorization Itemized billing statement Original/correct amount of invoice

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I reached out and placed a complaint with the cfpb about XXXX or XXXX weeks ago. About the fact that the credit reporting agencies failed to respond to numerous letter that had been sent. XXXX sent on the XXXX and another on the XXXX of XXXX. Many letters were sent before that but these are the XXXX I would like to focus on because these are the XXXX I made complaints. About. The agencies are required to respond within 30 days and they did not in fact I made that co plaint to the cfpb and during the investigation time that's when they decided to send letters but their 30 day period to respond had already finished I would like the cfpb to require these agencies to remove my information since they have not been able to verify the necessary accounts listed under my name.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I DISPUTE A 30 DAYS LATE ON MONTH OF XX/XX/XXXX, THAT IS REPORTING ON MY CREDIT REPORT INACCURATE. I RECEIVED RESULTS STATING IT WAS VERIFED. I DISAGREE, IF YOU WOULD VIEW MY FULL CREDIT REPORT IN YOUR SYSTEM. YOU WILL FIND THAT I PAY ALL MY BILLS ON TIME. THERE IS NO OTHER MISSED PAYMENT REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX I HAVE ALSO REACH OUT TO XXXX XXXX XXXX XXXX AS WELL. I HAD NO KNOWLEDGE NOR NOTICE OF THIS ACCOUNT WAS GOING TO BE REPORTING 30 DAYS LATE.

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: PENTAGON FEDERAL CREDIT UNION
State: MA
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:
On XX/XX/XXXX I paid for a chandelier from XXXX XXXX ( XXXX Or. ) with my Pen Fed Visa card that was charged {$650.00}. I have not picked up the light and, now, must sell the condo it was meant for. The merchant refuses to give a refund even though he still has the light. Claims it was a special order, although he has similar ones in his shop. I disputed this with Pen Fed on XX/XX/XXXX. The closing date of the card statement was XX/XX/XXXX so the dispute was made less than 60 days from that date as they require. A supervisor, XXXX, reluctantly agreed to set up a case file for the dispute and said someone would contact me in 7-10 days. I called back XX/XX/XXXX and was told no case file was set up.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my credit report I have noticed that my personal data has been compromised and these companies listed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received or requested any services from these companies

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 2021-07-31
Company: Square Inc
State: WI
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:
I received a debit card from CashApp in the mail, which I never applied for. I did not activate the card as a I was suspicious this was a scam. I looked into it a bit and found reports that it meant someone has opened a cashapp account using my personal information. I attempted to contact cashapp, but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: LDF Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received an email with my full legal name, an old address, and content stating my loan was approved for XXXX. I did NOT apply for this loan. I reached out multiple times and was told they needed additional PII to look me up in the system. In the meantime, I submitted a XXXX  complaint and noticed that many folks have reported similar situations resulting in some of them paying money to stop the harassment in collecting loan proceeds for a loan they didn't even apply for. 

I finally spoke with XXXX in management today. He mentioned this is likely identity theft. He confirmed the funds were actually sent to an old XXXX account of mine. This account has been closed for years and the funds were returned. 

Here 's my issue. This isn't identity theft. In what world would a scammer use my actual email address and an old bank account that was actually mine and is now closed. This is likely a business model choice... 

I'd like to fight this as far as I need to. I did go through a terrible time in the past ( 15 years ago? ) with a few payday loan firms and I remember the endless fees and inability to pay them down. I thought these guys were ultimately run out of business, but it seems they are still alive. 

I'd like someone to investigate the actual loan app that they approved. I asked the company to send me a copy as well. I am in banking and understand underwriting. They didn't run a personal credit score or report for me. They didn't contact my place of employment, etc. hence why I believe this scam originates within the payday lender itself or something less obvious then just run of the mill identify theft. I'm morally outraged that this firm hides behind their tribal jurisdiction and is fleecing people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My parents were mailed separate notices addressed to me ( XXXX XXXX ) and my spouse ( who never lived at that address ) from the collection agency. I haven't lived at that XXXX  address in XXXX XXXX and the rental Property was in XXXX and I also had XXXX protections which were ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : CASH APP. USER NAME : XXXX PLEASE USE XXXX. XX/XX/XXXX AS THE DATE, AS THAT IS THE DATE OF MY LAST CONTACT WITH THE COMPANY VIA CHAT FROM A BOT. 
THE COMPANY IS ATTEMPTING TO VERIFY MY ID WHICH IS FANTASTIC. HOWEVER, THEY HAVE SOME SORT OF FLAWED AUTOMATED PROCESS TO DO SO & IT IS CONTINUOUSLY REJECTING MY CREDENTIALS. I DO NOT WANT TO CONTINUOUSLY PHOTOGRAPH MY ID & CONTINUOUSLY SEND IT TO THEM BECAUSE THEIR AUTOMATED SYSTEM IS FLAWED. EVERYTIME I DO SO, I RISK EXPOSING MY PRIVATE DATA ( YES IT IS ENCRIPTED, HOWEVER, ANY ELWCTRONIC TRANSMISSION AS SUCH CARRIES RISKS ). I HAVE TRIED IN VAIN TO REACH A LIVE PERSON TO INTERVENE AND OFFER A WORK AROUND SOLUTION. IT IS IMPOSSIBLE TO REACH A LIVE PERSON THROUGH THE 2 CUST. SERVICE CHANNELS THEY OFFER : TELEPHONE OR CHAT. EVERYTHING IS AUTOMATED AND IT IS JUST UNACCEPTABLE AND FRUSTRATING THAT A COMPANY THAT OFFERS ELECTRONIC CASH SERVICES AS SUCH CAN GET AWAY WITH NOT HAVING ANY HUMAN CUSTOMER SERVICE REPS. THE GOVERNMENT SHOULD NOT ALLOW THIS AND I AM QUITE SHOCKED THAT IT IS OCCURING. WHAT IF GOD FORBID THEIR AUTOMATED SYSTEMS SHOULD MAKE AN ERROR ON ONE OF MY TRANSACTIONS? HOW IS THERE ANY RECOURSE WHEN A HUMAN CAN NOT BE UTILIZED TO RECTIFY THE SUITUATION? I AM EXTREMLY WORRIED ABOUT SUCH A SCENARIO IF THEY ARE UNABLE TO SIMPLY EXTRACT DATA FROM A PHOTOGRAPH OF MY STATE ISSUED ID THAT I HAVE CONTINUOUSLY SUBMITTED! I WANT THIS SITUATION REGARDING A COMPLETE LACK OF CUSTOMER SERVICE ON RECORD AS PUBLIC INFORMATION AND SOMETHING BE DONE TO FORCE THIS COMPANYS HAND IN SERVICING THEIR CUSTOMERS WITH LIVE CUSTOMER SERVICE AGENTS! IF THE GOVERNMENT ( FED RESERVE ) SIMPLY ALLOWED MY BANK AND CREDIT UNION TO MIRROR THESE SERVICES OF CASH APP THE ECONOMY AND NATION WOULD BE BETTER SERVED! PLEASE LOOK INTO THIS. THANK YOU! I APPRECIATE THIS OPPORTUNITY AND FORUM TO BRING THESE ISSUES MORE INTO PUBLIC VIEW. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American Express keep sending me correspondence to my address and I want this stop for good Number one I never applied for American credit card not interested Im on XXXX someone stolen my identity Number two they are sending me offers in the mail I want it stop or im taking legal actions Number three they are sending me statements for a delta gold skymiles card I want them to stop sending me statements and bills to my address XXXXXXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not correct and update this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MI
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 have been monitoring my report and I noticed that my credit score went down to XXXX inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken

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 2021-06-02
Company: EQUIFAX, INC.
State: CO
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:
During the COVID hardship my family was heavily impacted, and during the XXXX and XX/XX/XXXX timeframe I was unable to work at my job and became behind on mortgage payments. I quickly was able to bring the mortgage current 2 months late but have only just recovered from some of these impacts, and am still recovering. 

During this time my mortgage servicer had an automated COVID CARES act call center option that I selected to enroll in the Forbearance plan with phone confirmation, repeatedly, ( to find out later, apparently to no effect ). Once the loan was paid current I didnt think too much about it until I noticed a negative impact on my credit report. After seeing this I then called our mortgage servicer XXXX XXXX XXXX XXXX on XX/XX/XXXX to re-enroll in the forbearance plan and to request the negative credit impact report be removed in accordance with the CARES act law. 

On this occasion, XXXX, a senior loan servicer, took the request to remove the negative credit impact report from my credit and created a ticket with the credit department according to what I was told. I called again on XX/XX/XXXX and got in contact with XXXX where I was told I was in fact not enrolled in the forbearance plan, and that the credit report retraction was denied. I was then craftily steered away from trying to re-enroll in the forbearance plan. They stated that because I was and am able to make my payments, that I would not be allowed on a forbearance plan. I was denied until I became forceful on the call demanding that I be enrolled in the forbearance plan and read the letter of the law. I recorded this call. 

I explained that my family and I had been impacted by the COVID hardship last year during the fall, and that I had tried to enroll in the forbearance plan repeatedly. I explained that I can make my payments but simply want to remove the negative credit event from my credit report. This was repeatedly refused, even after explaining that the hardship impact had begun last fall, and was related, and to be legally compliant with the law, that they needed to remove this negative event. They refused. My family needs to move, and I need to get a new mortgage in another state. With a negative credit report, this will be far more difficult. Please help! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: NAVY FEDERAL CREDIT UNION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a saving, checking, and credit card account with Navy Federal Credit Union in XXXX XXXX. I had received birthday money as well as XXXX money from family members and two were returned NSF. I brought the account current and since then they have frozen me out of ALL of my accounts online, even to pay my credit card bill. when attempting to access my account i receive this message " We are unable to process your request. For assistance, please call us toll-free at XXXX. For calls from within the Washington DC area, or outside the US, please call XXXX '' SO I called the customer service number on Friday, XX/XX/XXXX and i was told that they have closed and restricted me from all of my accounts. I asked how I was supposed to pay my credit card bill and they told me that since my membership was terminated I would not have account access nor could the except a payment over the phone from a restricted account. My only option, i was told, that i would need to go into a branch, and the closes branch is XXXX miles away from my home. This is my first credit card and now i am unable to make my XXXX 's payment since my account was frozen and I do not live near a branch. I'm XXXX years old and recently lost my part-time job due to them closing because of COVID 19, so my mother has been helping me and was also recently  furloughed until the coronavirus pandemic is over. I will still make my payments but my hands are tied. I am doing everything possible to pay my obligations, but this will ruin my credit before I can even start to build credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: USCB Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USCB reported this on my report last year. 
I disputed it on XX/XX/19 and it was removed from my credit report. 
Now they are trying to report it on my credit report again. 

The dispute number from last year is XXXX. 
I want this removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUITY RESOURCES, INCORPORATED
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022, I started the application process for XXXXXXXX XXXX XXXX XXXX It is funded through COVID relief funds and applied from the Ohio Housing Finance Agency. I made a payment of my own on XX/XX/2022 and I have the statement from my bank showing it cleared my account. I also have documentation from XXXX XXXX XXXXXXXX where they have sent payments to my mortgage company. However, when I sign into my mortgage service website, it shows no payments for XXXX, XXXX or XXXX. It did finally show two in XXXX. However, due to the mortgage servicer and or the mortgage company failing to properly apply the payments received, my mortgage now shows late, and they have placed several derogatory marks on my credit report.

Company response to consumer: Closed with explanation