BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
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:
On XX/XX/XXXX XXXX contacted Equifax about the following negative accounts ; XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/2019, Balance : {$15000.00} )XXXX XXXX  ( Account # XXXX, Date XXXX, High Credit : {$2100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXXXXXX 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 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 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 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 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 2020-04-02
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/2020 at XXXX I made an attempt to transfer {$410.00} into my Cash App account to pay rent. The app claimed that the transaction failed. I tried a second time and it said it failed again. I went on my XXXX  XXXX XXXX account to make sure it didn't go through but {$410.00} was taking out saying the payment of was sent to Cash App. I contacted Cash App via email but they told me that maybe that my bank is blocking me from making the transaction but to make sure I made a {$1.00} deposit that went through. I called XXXX  XXXX XXXX and they told I need to resolve the issue with Cash App. I was going back and forth with both parties then decided to file a claim through XXXX  XXXX XXXX. The claim was being investigated for 2 months. During this time I had trouble paying rent and almost got evicted. I continued to call XXXX  XXXX  XXXX to check the status of my claim and at the end they basically told me they can't do anything about it because Cash App, owned by Square Inc, said they don't have the money and they can't help. I filed a claim through a different site but haven't heard from them either. It's been 4 months and I still {$410.00} short.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
The account XXXX XXXX XXXX is missing from my XXXX credit report but is posted on my credit reports with Transunion and 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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/22 my account was closed by Citibank without warning. Account XXXX They state that because of revolving credit limits being high they want to close my account. I have not once been late on any of my bills/credit card bills/mortgage, etc. All this can be seen in my credit report that they pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

XXXX XXXX XXXX XXXX XXXX US Dept. of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: EQUIFAX, 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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX, XXXX of XXXX  began servicing my mortgage. In less than 2 years, They began trying to adjust a fixed rate mortgage payment by at least {$900.00} per month. They began by stating that the property tax increased, which was not true. Next, It was the hazard insurance and I sent certified letters requesting time to purchase my own. They've never responded to at least 4-5 certified letters I've sent to them. Finally, I was forced into a loan modification in XXXX of XXXX. In addition, all XXXX credit bureaus show a 3 year history of late mortgage payments of XXXX, and 90 days. I've never missed a mortgage payment, nor been late. I've, previously, filed disputes with all XXXX bureaus without the issue being resolved.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Right now I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " XXXX XXXX XXXX XXXX - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit announcing ( XXXX ) The XXXX XXXX is reliant upon reasonable and exact credit revealing. Wrong credit reports straightforwardly impede the effectiveness of the XXXX XXXX  and unjustifiable credit announcing strategies sabotage the public certainty which is crucial for the kept working of the banking system. ( XXXX ) Consumer detailing organizations have expected an essential part in amassing and assessing customer credit and other data on shoppers. The XXXX XXXX  is reliant on the reasonable and precision detailing of customer organizations. At XXXX XXXX when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The XXXX XXXX  brings in cash by loaning to customers like me. I have connected a few times griping about the off base things on my customer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by demolishing my standing by announcing off base things. THIS NOTIFICATION IS AN AUTHORIZATION! SO PLEASE DO NOT REPSPOND ASKING FOR AUTHORIZATION!

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 2023-06-03
Company: GOLDMAN SACHS BANK USA
State: AZ
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:
I had discovered that I had several fraudulent charges across many of my financial accounts. So I decided that I needed to review all of accounts for accuracy. It was that I had discovered on my Apple credit card that I had a total of seven fraudulent transactions that are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once this was discovered Apple Card services were contacted. I also filed with identity theft and put extended fraud alerts on my credit reports. I had several fraudulent transactions from the merchant turo that I had to report. Every single one of my financial institutions impacted with transactions from this merchant were all found to be fraudulent. That is except Apple Card services, who stated that there wasnt any fraud. 
I am including with this statement, a copy of communication between myself and the merchant turo. This company is a peer lending car rental service. However, before use, you must be approved. This process requires assessing all of your legal identifying information and background checks. As in the document I provided, it reflects that in XXXX of XXXX  I requested an account with the merchant XXXX, that I was subsequently denied. Therefore, all the transactions post XXXX with XXXX were fraudulent as I wasnt even able to access and utilize any services that they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to New Rez/Shellpoint in XX/XX/XXXX ( closed on XXXX XX/XX/XXXX ). I called New Rez in XX/XX/XXXX to find out what I needed to submit to have the residence homestead and XXXX veteran exemptions applied to my mortgage payment. I was told to get a tax estimate ( usually around XX/XX/XXXX ) and send it in to update account. I did this. Every month I've called asking about my exemptions and every time I got a different answer. I resent the required documents in XX/XX/XXXX and called to follow up, again I got a different answer. Every time I requested to speak with a supervisor, I was told none were available and that they'd call me back. I called again in XX/XX/XXXX, and was told that my escrow would be analyzed according to my state guidelines. I called again in XX/XX/XXXX and was told the escrow would be analyzed in XX/XX/XXXX. I was also told it would take 3-5 business days and I would be contacted. I called on XX/XX/XXXX and nothing has been done, and the representative told me it would be another 30+ days. I again asked to speak with a supervisor and none were available. 

The exemptions I've submitted paperwork for is the residence homestead - approved for {$5000.00} and the XXXX veteran property tax 50 % -69 % - {$10000.00}. 

I feel that every time I all New Rez, the representatives are not knowledgeable of the policies and tell the customer anything to get them off the phone. To date, no supervisors have called back to discuss issues I've been having with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, 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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: ADP Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My card was stolen and fraudulent charges were made on several of my cards including with MyWisely by ADP. They locked my current card and sent me a new one. I disputed the charges and a claim was opened. I was told it was going to take 7-10 business days to do an investigation, and not even 20 hours went by before they emailed me and said my claim was denied due to lack of evidence. I was never asked for any additional evidence or even asked for any furthering details. {$30.00} may not seem like a lot, but money is tight and I cant just afford to burn {$30.00} like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have had a paypal account for several years. I have a paypal cash card and am able to receive direct deposit should I choose to do so. I recently moved and have been using XXXX XXXX and XXXX XXXX   frequently for food delivery ( because I'm XXXX  on XXXX ). The use of these two companies has created a problem because I had to frequently dispute charges due to canceled orders ( by the company ) not being refunded to my card. On XX/XX/XXXX I received a message from Paypal telling me my disputes are putting me in danger of account closure. On XX/XX/XXXX I was forced to file another dispute with paypal because I was charged incorrectly by XXXX  on my paypal card. I even provided Paypal a LETTER from the MERCHANT admitting their mistake and encouraging me to dispute the discrepancy ( which I did ). This resulted in paypal closing my account without processing me dispute causing me to loose money. They stated that the remaining balance in my account would be refunded in SIX MONTHS which is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed an FTC report on XX/XX/2020 when I discovered that I had been a victim of identity theft. Capital One Bank USA N received a letter for 2 identical accounts reporting to my credit file. The letter was mailed certified return receipt and it was ignored. Capital One Bank USA N 's account is reporting the amount of {$1800.00} with another company ( XXXX XXXX XXXX ) also reporting the same account with a balance of {$1800.00}. The same amount due, proving the debt had been sold. ( 3 accounts total ) NO CONTRACTS WERE PROVIDED to show the amount paid for the alleged debt. 
XXXX XXXX XXXX received the exact letter mailed to Capital One Bank USA N also certified return receipt and XXXX XXXX XXXX and 1 of the Capital One accounts was removed from my credit file within the 15 days as requested in my notice. Neither company has responded. It has now been more than 30 days. 
All information was also forwarded to XXXX, XXXX, XXXX, XXXX XXXX, & XXXX because Capital One Bank USA N had still not responded. 
It had came to my surprise that XXXX, XXXX  , & XXXX  had all allowed Capital One Bank USA N 's fraudulent account to update on my credit file and decrease my credit score. I sent Capital One Bank USA N another Notice certified return mail received XX/XX/2020. Capital One Bank USA N is  aware this is a fraudulent account and on XX/XX/2020 Capital One Bank USA N EMAILED a bill requesting payment arrangements. 
Capital One Bank USA N 's response did not include a MAILED signed letter under penalty of perjury by the authorized representative of Capital One Bank USA N.

Capital One Bank USA N has not provided any documents proving their account belongs to me, they are not HOLDERS in DUE COURSE with the original contract signed by me with my wet ink signature and they are fraudulently updating my credit file. 
This account is listed as closed/charge-off and is currently updating in violation of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq.

If this account is not removed from my credit file immediately I will be forced to sue Capital One Bank USA N for damages for repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq. 
No further action will be taken against the Capital One Bank USA N and the XXXX XXXX XXXX accounts that were removed. 
Attachments included.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX  both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX  balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX  and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,

Company response to consumer: Closed with explanation