BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-12
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2021 at XXXX i order shoes ( XXXX ) from XXXX  XXXX cash app send an notice saying it were aprove then on XX/XX/2021 XXXX 3 days later XXXX at XXXX XXXX  cash app sent another notice saying it was declined. i call and ask as to where my money were cause i knew i had enough to pay for the shoes. cash appp first, denised it, but another cash app say they return the money which i did see, but i look again later on, they had on their own decided to send the money to XXXX i call again and they say nothing i did call XXXX to let them know that i did not ok what cash app did nor have i try to order anything for them today ( XX/XX/2021 XXXX if i call twice coplaint about my money, why would you return it but then you send the money back to XXXX without letter me know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As of XXXX of XXXX  I have had {$7900.00} in an account that I can not access. My funds have been locked up, and won't be released as per many attempts to withdraw them from multiple locations. As well as call numerous times the customer service departments, and special service lines on the matter. They can not give me any information about nor can they tell me anything as far as when they will release my funds to me. This has been over a year I've been dealing with this matter, and have been very patient. First I lost everything in hurricane Ida, and I have been struggling since to get everything repaired on my home. I've been denied any assistance on the repairs because of how soon I purchased the home as to when the storm hit. I've had many problems over this matter happening for instance, I had to go to prison because someone said I stole their money because I couldn't access these funds to do the work I was paid to do. This has caused hardships on top of hardships, they should be responsible for these, and still nothing is done about the real criminals in all this. Please do something, I really don't deserve what they are doing to me. The company is Capital One Bank XXXXXXXX XXXX  Thanks Again ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CORELOGIC INC
State: NY
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:
The inquires are fraudulent and unortharized I have no clue as to why they are on my credit. Someone pretend to be me and tried to sign up for things. 

- XXXXXXXX XXXX XXXX  inquiry ; XX/XX/XXXX - XXXXXXXX XXXX XXXX inquiry ; XX/XX/XXXX - credco inquiry ; XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry ; XXXX XXXX theses inquires are on both my XXXX 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 explanation
Consumer complaint received 2022-11-19
Company: Midwest Fidelity Services, LLC
State: IL
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:
" Midwest Fidelity Services '' and " XXXX plumbing '' has committed fraud. They are making a false claim in my credit report. When I requested Midwest Fidelity to provide documented evidence supporting there claim, they declined to provide any proof. 

Midwest Fidelity does not have a single shred of proof that I owe them money. AT the same time they are trying to unfairly discredit my Credit History.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Key 2 Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
There is no valid option available for my complaint, but I was directed to cfpb from the ftc website on this issue. When communicating with Key 2 Recovery, Inc, they directed me to their website XXXX which accepts customer information without use of https, TLS, or any other form of transport encryption which violates PCI DSS requirements. When I attempted to notify the merchant directly, the representatives were rude, refused to field my question, and did not escalate my call to a manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car loan payment is XXXX XXXXXXXX. I scheduled three payments on their website. Payments for XX/XX/2023, XX/XX/XXXX and XX/XX/XXXX. The bank took all three payments at once on XX/XX/XXXX. I have called the bank three times to ask them to return the XXXX and XXXX payments. They requested a screenshot of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I sent them that information. A week later, I called again and they said they did not receive that information ( although it was in my email as sent ). So, I sent it again. I still have not received a refund of the overpayment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
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: Public record information inaccurate

Complaint:
According to my understanding of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy reporting process, it has come to my attention that bankruptcy courts do not directly report bankruptcy filings to credit reporting agencies. 

As a diligent consumer, I have taken the necessary steps to review my credit report, and I was surprised to find a bankruptcy entry listed on it. I have thoroughly researched the bankruptcy reporting process and found that it is the responsibility of creditors, not the bankruptcy courts, to report bankruptcy information to credit reporting agencies. The bankruptcy courts themselves do not provide such information directly to credit reporting agencies. 

Given this information, I kindly request that you investigate the validity of the bankruptcy entry on my consumer report and provide a detailed explanation of its source. If the source is a bankruptcy court, I would appreciate evidence of the court 's reporting to credit reporting agencies, as this would be contrary to my understanding of the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the XXXX data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.

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 2023-11-12
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am writing to file a formal complaint against American Express regarding the Delta Gold Card promotion that I participated in. I believe there has been a failure on the part of American Express to fulfill the promised promotional offer. 

On XXXX, I applied for the American Express Delta Gold Card with the understanding that, upon spending {$2000.00} within the first 6 months, I would be entitled to receive XXXX bonus miles and {$300.00} cash back if I made a XXXX purchase in the first 6 months. I am writing to express my dissatisfaction and frustration as, despite meeting the spending requirement promptly, I have not received the promised bonus miles and cash back. 

I made purchases, particularly airline tickets through delta, an I have well exceeding the required {$2000.00} within the specified timeframe. Despite my efforts to resolve this matter by contacting American Express customer service on multiple occasions, the issue remains unresolved. I have spoken to numerous agents, and each time I am assured that the bonus miles and cash back will appear on my next statement. Unfortunately, this has not been the case, causing significant inconvenience and frustration. 

In my most recent conversation with an American Express agent, I was offered an additional XXXX bonus miles as a gesture of goodwill while I wait for the original offer to be fulfilled. While I appreciate this gesture, it does not address the core issue, and the delay in receiving the promised miles and cash back has adversely affected my travel plans, specifically my XXXX trip with my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 navy federal credit union transfer XXXX to a credit card that my husband was past due and we had the money save up of XXXX in our savings account and when we went to go try to pay it online it was not there no more this was on Saturday ( XX/XX/2022 ) the guy we were talking too told us that department was close was will be open on Wednesday to call then. So when we went to check the bank accounts everything was gone. They dont call us to let us know our money was taking away. Then like couple hrs late we get a call. We call the bank to tell them what was going on why we had no money and no one couldnt help us into one lady was disrespectful telling us thats XXXX you lost your money and you cant get it back before hinging up the phone on us they can keep the XXXX. But we want our XXXX back we need someone help bc this its XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: MD
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:
n accordance with the fair reporting credit act these accounts has violated my rights ( public record reference number XXXX bankruptcy XXXX XXXX account number XXXX ( XXXX XXXX XXXX XXXX account XXXX ( XXXX  balance XXXX XXXX account XXXX. ( XXXX XXXX XXXX account XXXX. ( XXXX  balance XXXX XXXX  account XXXX XXXX  account XXXX  ( XXXX  balance 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 i have disputed and have prepared my documents for damages after disputed it has been told to me that this information was furnish by the furniture. i submitted a letter from the court stating that this info is not shared nor does it has any information as such the court does not share this or report this information to anyone. this is a lie and i want it removed immediately i have been extremely challenge credit wise want is owed to me.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I requested debt validation for an " alleged debt '' from ACIMA CREDIT. I allowed 30 days for the company to respond and received NO documentation. ACIMA CREDIT violated 15 USC 1692g by not providing validation and 15 USC 1692j by furnishing this deceptive information on my credit reports. I have sent the debt collector a Cease and desist and have demanded they remove this invalidated information from my credit reports and their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
someone open a fraudulent card in 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 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
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 writing to file a formal complaint against the 3 Credit Bureaus , a credit reporting agency that has reported new collection accounts, late closures, charge-offs, repossession and inaccurate personal information entries on my credit report. I believe the account 's information is inaccurate or unfair, such as incorrect account statuses, wrong dates, or any other discrepancies. I had attached copies of supporting documents that support my claim that the reported account information is inaccurate or unfair. These documents may include payment records, correspondence with the creditors, repossession records, and any other relevant evidence. I have previously disputed these inaccuracies with the credit reporting agency or the creditors. I believe that the inaccuracies and unfair account 's information on my credit report are causing significant harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The following fraudulent accounts and inaccurate personal information in question and needs to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a capitol one card from 2017 that was paid off in full. But it still shows as a negative item on my credit report. The account is paid and closed as agreed and i would like the item removed off of my credit report. The account has been settled

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 2018-11-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Over the last couple of years I fell upon a tremendous financial hardship in that my XXXX advanced causing me to lose my job and file for XXXX ( which still has not been approved ). I advised XXXX on my conditions and a forbearance agreement was animated on my account sometime in early XX/XX/2017. Ultimately I was forced into bankruptcy. XXXX was aware of my bankruptcy proceedings. shortly after my bankruptcy was XXXX I AGAIN explained to Navient that my financial condition was no better than before my bankruptcy began and that I would need a more realistic solution to my hardship without it affecting my credit. They never offered me any type of a ZERO payment solution. What I can't understand is how our government allows for all this poppycock. 1st the XXXX of a private school loan not being XXXX in a bankruptcy with my hardship conditions is flat out extortion supported by our lawmakers. Our Government needs to publicly advertise that if you take out a private school loan you are better off owing the mob because at least the mob will forget your loan when they realize you can't pay. 2nd how does XXXX get away with not offering a more " realistic '' solution like " NO MONEY PAYMENTS '' until ones financial situation changes? anyway enough with my rhetoric. One good thing that came into my life was my fianc. Last month he saw the torment I was going through and he made arrangements to pay off my school loan, stating " our government is designed to XXXX  it's people by design always was and always will be ''. HE IS 100 % CORRECT I '' VE LIVE THROUGH IT. In closing I asked XXXX on numerous occasions to correct my credit reporting on the 120 days late payments to no avail. REAL RUTHLESS ORGANIZATION! So here is what brings this correspondence. Now my credit report reflects that I have paid my loan to XXXX and the account is now closed. BUT MY CREDIT SCORE WENT DOWN AS A RESULT OF PAYING IT OFF AND THE ACCOUNT NOW BEING CLOSED. How is possible that I couldn't pay {$80.00} dollars a month for 4 months and that diminished my credit worthiness to garbage status and after I payoff {$3300.00} due to XXXX that it goes down even further with the credit reporting agencies. Obviously it all must be by design, correct? XXXX has received ALL the monies they were do inclusive of any late payments. I had ONE simple request that they provide a correction to my credit reports on the late payments as a result of the ongoing hardship. WHAT'S THE PROBLEM? REMOVE THE LATE PAYMENTS OR IS IT TRULY BY DESGN THAT OUR GOVERNMENT GIVES YOU SO MUCH POWER TO XXXX ITS CITIZENS?

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