BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: Square Inc
State: NV
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:
Hello, On XX/XX/2020 at XXXX XXXX XXXX approx ) my card was charged for {$1.00} a few times, then {$2.00} a few times, then {$5.00}, then {$10.00} until the card is emptied. Then they start hit the {$10.00} ISF then go back down to {$5.00}, then {$2.00}, then {$1.00} until everything is gone. {$100.00} total. 

I immediately called Cash app and they only reply with automated messages. I have emailed and was told I would have to prove 'XXXX  XXXX XXXX  CA ' is not a legitimate charge for some reason instead of Cash app doing any work. I contacted XXXX and XXXX play and have multiple emails that state nothing on my account and no money pending and zero activity at all. I have all the emails from XXXX saved. 

I have been calling Cash app to explain over and over with no solution and as of XX/XX/XXXX there has been no contact with them or them trying to contact me. Before XX/XX/XXXX they did email me back but gave an email that gave no help or solution. They also said to call in but the app and their site and nothing on XXXX to contact them. They claim you can file a claim to get started but nobody will contact me back and there is not a phone number that can be called. 

Please help me and let me know what the next step is. XXXX has been good and I have emails stating it is NOT them from XXXX. After I stated that to Cash App they stopped communication completely. I can supply all account numbers, dates, emails and whatever you need just let me know. 

Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-29
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ccs credit collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX XXXX orginal cerditor XXXX XXXX prop casualty in accordance to a fair credit reporting conversion the said account number XXXX has violate my rights to privacy, acccording to 15 USC 1681 section 602 states that i have rights to privacy 15 USC 1681 section 604 section 2 states that consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In my name, as a parent, I agreed to a XXXX XXXX XXXX for my son to attend this college in XXXX. It was {$30000.00}. That was not the issue. The issue is XXXX of XXXX, XXXX now owns the loan. As a single mother, my bill came in at {$110000.00} stating the XXXX XXXX XXXX XXXX is XXXX/XXXX/XXXX. Each time it goes into deferment, the interest is being capitalized. This INSANITY has to stop. XXXX says this is my only option as I am not eligible for anything else. I am a single parent and neither I or my son can pay the monthly payments. I was told that I could get no help because it is a " XXXX XXXX '' XXXX. I am not smart and this is XXXX me. Please help, I do n't know what to do!! I am XXXX XXXX XXXX and barely make just above minimum wage. I have no assets either since a recent divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NY
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 XXXX is a fraudulent account. Ive attached all required documents with respect to 15 usc 1681c-2. Please see attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: CITIBANK, N.A.
State: TN
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:
My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX  recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to 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 2023-01-27
Company: EQUIFAX, INC.
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:
I am a victim of identity theft someone has been using my personal information to open accounts. I recently in XXXX disputed this fraudulent information that is on my credit report namely an account with XXXX XXXX XXXX account # XXXX which was opened on XX/XX/2016 in the amount of {$31000.00}. I have written and provided them with my Police Report and my FTC report which is clearly informing them that these accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Knight Adjustment Bureau
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please Place a fraud alert on my credit files I'm a victim of identity Theft someone brought a car under my name this need to be investigated I did not give any consent to any account to be open with out my authorization This Accounts if fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have continued to be a victim of identity theft with Best Buy. I do not shop there, i have not purchased anything from this store in many years. Yet, this is another time someone has used my identity to charge items using my name. I have called Best Buy, and Citi bank recently for this new acct that appears to be in my name. I keep telling them it isn't me, and i don't shop there, to cease and desist. I filed a dispute with the credit bureau a couple mos ago too. The amount is now {$1100.00} not resolved. I asked them why they did not close anything with my name after the past id theft? I never will shop there!! I have been so upset over this company, and it has caused me too much ongoing stress. Please help me permantley resolve this Best Buy nightmare! I do not like this affecting my credit rating, as it is not my purchases!! ThankYou

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 2019-03-23
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced recovery for XXXX. 
XX/XX/16 {$1500.00}. I was XXXX when this was opened so it has to be identified theft. Ive never been a XXXX customer. Every.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The said account is out statues of limitation and have asked the company to remove the account from credit report, as it is negatively impacting my credit score.

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 2022-01-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been unable to access the online portal for months now and the app is also barely functional to make payments. I have no access to online statements or loan info.

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 2020-11-25
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. An account for XXXX showed up on my credit report. I did not open, authorize or use this account. I contacted XXXX and was told to contact XXXX XXXX as they now handled the debt. I contacted XXXX through the CFPB and received a response indicating they investigated my claim and have ceased collection efforts on the account. On my credit report XXXX is still reporting this debt. I am disputing this debt and requesting its immediate removal. I have attached a copy of the full complaint filed against XXXX XXXX regarding this debt, including their response indicating their decision to stop collecting this debt due to identity theft. Please note that due to file size I was unable to upload the document directly to credit bureaus website and thus had to use the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
There is a charge-off/past due from Capital One on my credit report with XXXX. Twice, I've told them that Capital One will not respond to my requests to prove this is my credit card. They will no longer investigate and Capital One has never responded to my inquiries. Yet XXXX continues to report the information even though I have told them that I never had a Capital One card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Factor Trust
State: TN
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: Problem getting your free annual credit report

Complaint:
Information used to verify identity over the phone is outdated, misleading, and an effort to discourage and deny a copy of my consumer report that I am entitled to. 

Specifically asking trick questions of what neighborhood I lived in 25 years ago and that is no longer on my report. The options were XXXX XXXX instead of XXXX XXXX causing me to fail that question. 

Asking the specific amount of a current loan that was financed within hundreds of dollars apart making it difficult to say with out having a credit report in front of me causing me to fail that one. 

Asking about a county I lived in in 1989 ... 30 years ago Who do I know that lives in a city I have never heard of. 

This outdated, misleading, and trick questioning is unreasonable and causes an undue burden. This is considered to be done willingly and with malice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
DATE : XX/XX/2018, LOAN AMOUNT {$1300.00} AND {$2000.00} THIS LOAN SHOULD HAVE BEEN A XXXX BALANCE. THIS LOAN WAS ALSO TRANSFER TO ANOTHER LENDER ( XXXX ) WHICH I AM ALREADY MAKING PAYMENTS TO

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 2020-11-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft .I discovered the issue in XX/XX/XXXX and have been trying to work with Equifax to get the issue corrected Since XX/XX/XXXX. I have sent all the required documents to Equifax to get the fraudulent accounts off my credit without any success. I have filed a report with both the Federal Trade Commission and County Police and Equifax refused to remove the fraudulent accounts. Equifax always sent a generic response and I am beginning to believe they are not taking the time to investigate my dispute.I received two letters from Equifax both dated XX/XX/XXXX, in one of the letter equifax stated they are unable to locate my credit file in their database with the identification information I have provided. I have sent Equifax my Identification and SSN on numerous occasions and they said they verified the accounts belong to me now they are saying they can not locate my credit file in their database. The second letter states they will not blocked the information from my credit file. I am confused with this response and I need Equifax to investigate my claim with the creditors and not just say the fraudulent accounts belongs to me. I have stated in my police report that I am willing to press charges when the police finishes their investigation. 

Equifax currently has 6 fradulent accounts listed on my credit report. 
XXXX XXXX XXXX {$5700.00} XXXX XXXX {$1000.00} XXXX XXXX {$570.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$770.00} XXXX  {$1100.00} I am not sure how these cards were open in my name because I have only had my SSN since XXXX and should have had XXXX credit scores to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Discover Credit Card is for emergency purposes. My account was closed for inactivity without any warning. They emailed me to tell me my account was closed, a simple email to say it would be closing for inactivity would have been appropriate. They refuse to reopen my account. During these trying times with Covid, They should not have closed my account because I was never late with a payment and the card was paid off. Closing my account will affect my credit score. Having to reapply will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: GOLDMAN SACHS BANK USA
State: CA
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/2020 I purchased an Apple XXXX XXXX online through XXXX XXXX  and paid using a newly issued Apple Card ( Goldman Sachs ). On XX/XX/XXXX, the XXXX XXXX was returned to the XXXX XXXX for a full refund - and I received proof of full refund from XXXX XXXX for the phone, XXXX XXXX monthly subscription, taxes and fees for a total refund of {$540.00} that was supposedly credited back to my Apple Card according to XXXX XXXX. To date, Apple Card ( Goldman Sachs ) continues to illegally charge me monthly installments of $ XXXX/month for the iphone, apple care and taxes despite my repeated formal requests to dispute these charges. Apple Card has failed to honor the dispute or recognized the full refund credited back to my Apple Card on XX/XX/XXXX. XXXX XXXX has also failed to assist with rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE REMOVED

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 2018-10-17
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2018, i depostited {$1000.00} and they went XX/XX/XXXX to pick it up the money wasnt there ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.

Company response to consumer: Closed with non-monetary relief