BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Im writing this complaint because my account was closed because of vague Rules I use Cash app to collect payment from my clients, I run a consulting business. Im not disputing the fact that they have the right to close my account, My issue with them is Lack of communications I try to contact them to let them know I prefer them to mail my check to me but they forwarded my check to a close bank Account, When I contacted the institution that they forwarded the check to they told me no such payment was there it had been returned a generic e maile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
AT the beginning of XXXX I received notification from SearCard that if I did not use my credit card to make a purchase they would be lowing my account limit. Ultimately this will impact my credit score in some manner. On XX/XX/XXXX I contacted the company and explained that I had not used the card because I had purchased a washer and extended warranty in XXXX and had not had any need for another large purchase. I did not see this as my account being inactive but rather just not needed. I was told that I would need to make a purchase, even if it was only {$1.00} to keep my account active because they were protecting me from fraud. I questioned this and stated that I could verify that my account was with me and had not been used, the supervisor I spoke with ( XXXX ID # XXXX ) told me it did not work that way. I explained that telling me that I had to buy something to keep Sears from harming me was blackmail. He stated that I had no way of knowing if it would affect my credit rating unless I contacted a credit rating company and that I should not put words in his mouth (? ). I clarified again that if I did not purchase something with my credit card, Searcard was going to lower my credit, knowing it would impact my credit and they were doing this to " protect me from fraud '' even though I had contacted them to let them know the card was not inactive just not needed. He stated yes, that was the action that would be taken by XX/XX/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 2019-10-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have paid off all debts I have no negative history I have zero credit inquiries and have had a credit card from XXXX : XXXX  XXXX XXXX - XXXX : XXXX XXXX XXXX XXXX   / XXXX XXXX . XXXX XXXX. You only show the XXXX card on my history. Every month I pay all my bills on time plus car loan that you have on file, but no increase in points, and another car loan paid off in good standing and that did not move my score not even by one point,?? Why is this??? I have three As a B and C instead of Cort factor and if you look that up you will see 800s point score.

Exceptional= Financial debt 0 % Exceptional= credit usage 0 % Exceptional= payment history 0 % negative Excellent = age of credit 3.. years, even though its actually over 10 years Good = Mix file that are open 2 Exceptional = credit inquiries 0 % Im supposed to have XXXX not XXXX Age of credit, is suspect with Equifax because Equifax has on file XXXX credit card in XXXX. but do not showing up in age of credit? I asked Equifax to look into this and they gave me this case number XXXX can you guys fallow up on this case for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have two collection accounts on my XXXX Credit Report that is being reported by a collection agency names Professional Credit Management in XXXX Arkansas that is reporting negatively on my credit report. I have attempted to clarify to the agency that I have never signed a contract with them to pay them any money in reference to this medical debt. I sent them a debt validation letter by certified mail requesting they validate such debt and they responded without the complete paperwork requested to validate the debt at which time I requested the remove these items from my credit file. I was met by the manager of the collection agency XXXX in a very rude and explict way informing me she and the agency would not follow the FCRA guildlines that she didnt give a XXXX about the FCRA and it will remain on my file. XXXX XXXX XXXX claims they sold the debt to them for collection and could not help so i am reaching out to you at FTC for help. This is not only showing a balance which is inaccurate information on my credit report because by FCRA guildlines anything that reports as a collection should not be showing as an open account or a balance. Will you please help me do the right thing and get these items removed from my credit file per FCRA guildlines? Thank you very much for your help solving this urgent matter... ..XXXX 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 2023-07-23
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Unfortunatenly I was part of an data breach, I've made the comany aware via priorty mail and asked for proof and stll haven't received the documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-21
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:
I have sent several letters via certified mail to XXXX XXXX, XXXX, XXXX and Experian regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from XXXX, XXXX  and Experian. The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on XXXX the last pay listed as XX/XX/XXXX. Same account via XXXX last pay listed as XX/XX/XXXX. And Experian last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until XXXX updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments as well as Experian dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on XXXX XXXX behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding XXXX XXXX is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that XXXX XXXX, XXXX, XXXX and Experian remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.

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 2021-09-03
Company: FEDChex Recovery, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been continually contacted by a collection company about a supposed debt owed to a company they call XXXX ; a company I have never heard of, read about, talked to or done business with. 
I believe it is an attempt to extort funds by threats with no legitimate basis in fact. 
The following is all the information I've been given : Re : XXXX Creditor : XXXX XXXX - Chargebacks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Someone used my personal information to open this account without my authorization. 

Thank you in advance for any help received to solve this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was a victim of identity theft starting at the age of XXXX and someone opened bank accounts, credit cards and checking accounts in my name. Ive never had navy federal credit Union in my life and you guys have cleared and closed the credit card that was in my name due to fraud and I need this checking account and savings account closed and removed as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted dispute letters to XXXX, XXXX, and Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.

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 2023-07-22
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We owed XXXX business about {$200.00} - which we paid and have a cashed check as proof. Today we received a notice from a collection company called Sequium Asset Solutions , LLC saying they are trying to collect a debt of {$99.00} for XXXX XXXX from us. We absolutely do not owe XXXX a thing. We read on the reviews of Sequium that they are a scam and tried to falsely collect for XXXX ( XXXX XXXX ) from another consumer. This is wrong and I can see how someone who doesnt know any better could be scammed by this. They need to be stopped. They are listed as Sequium Asset Solutions , LLC at XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. Their phone number is listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony Network will not remove account from my credit after account has been paid off. This is hurting my credit and needs to be removed ASAP. They are not honoring my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: ASSOCIATED BANC-CORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a charge come thru that overdrew my account. I had canceled the membership earlier Im the month so I filed a dispute. The charge came thru XX/XX/19. I received a letter with a form to return that was dated XX/XX/19. I faxed it back XX/XX/19 selecting option saying it was previously authorized but since canceled. I received a letter on XX/XX/19 which was dated XX/XX/19 from a collection agency saying my account was closed and sent for collections. The same day I received a letter dated XX/XX/19 from the bank saying my claim was closed because I had authorized the charge before. After talking to Associated bank at length the reason I was given for my account being closed was since the charge over drew my account despite me disputing the charge because the bank had added so many overstay fees including daily fees they closed it over. Eveythough again the only item that had my account negative was in dispute. I called XXXX XXXX who had charged the fee originally and they apologized for the errand reversed it. Also assured me my membership was cancel. ( I had 2 accidental XXXX exposures and I told the waiter I am XXXX ) as a result I cancel. Associated Bank closed the account before 30dsys of it bring overdrawn because of fees they charged and sent it to collections before a decision was made on my Reg E dispute. Their overdraft fees ( daily and otherwise ) apparently trump due process with Fed Regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: DISCOVER BANK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a Credit card from Discover in XXXX, but I lost the card in the year of XXXX. So I called Discover to close my account. I have paid all my balances at that time. However, I kept receiving emails from them, saying that I have payment due ( ~ {$63.00} ) to them. 
Finally in XXXX, when I returned US, I called them back, ask them why I still got emails from you and have payment due even though I have already closed account many years ago. They explained that it was because it was the cash reward associated with my card, it is the money they owed to me. So they asked my address to send the check to me. However, the check was never reached to me. Then the worst thing the Discover did was to charge the check they sent to me on my closed account. Because they send it twice, so they acclaim that I own them ~ {$130.00}. 
Ever since, they kept sending me emails saying that I own them XXXX usd, and the amount is kept growing. I called them many times from XXXX, as I left US in the summer of XXXX. With hours of long international calls, they finally admit that it was their mistake in the system, they should not have charged me for that. However, even now I still need to receive the same email for the payment due acclaim but with different amount, this time is {$84.00} ... I have no idea how did they make such random numbers and why they could not respect their customer and give them some peace even though they have closed the account many years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Franklin Collection Service called me at work, caller 's name was XXXX XXXX. When XXXX identified herself and told me that she was calling from a debt collection agency, I told her that I can not accept these calls at work and that she needs to call my cell phone. XXXX then yelled at me and told me that she can call me anywhere that she wants. I then got very upset, and I told XXXX that she is under no circumstances allowed to call me at work, as my employer does not allow it. XXXX then yelled at me again and said " then why don't you pay your bills? Maybe if you'd just pay your bills, I wouldn't have to call you at work. '' I told XXXX that if she did not quit harassing me, that I would be speaking to my lawyer. XXXX said " you go right ahead and get your lawyer, ma'am, he ain't gon na help you. You need to pay your bills. '' I then asked for XXXX 's full name, she said " XXXX, but I already told you that, you don't listen. '' I said " What is your last name XXXX? '' She said " XXXX. '' I said " What is your phone number where I can reach you at? '' She gave me the phone number. Then I asked to speak with her supervisor. XXXX said " you can speak with my supervisor, ma'am, but he ain't going to do nothing for you. '' The supervisor was a male, and he was just about as rude as XXXX. He got very offended when I asked for proof of my debt through XXXX, and he again told me that I just needed to pay the bill. I told him that I will not be paying any bills, as I do not believe that the amount is correct, and I am disputing the balance. Supervisor still pushed to have me " take care of my bills '' after being told I was disputing it. I told the supervisor if they wish to see any payment, they need to have less attitude and treat people with respect. I said " I have already told you that I am disputing this charge, and if you do not quit harassing me, you can follow me around for the next 7 years until it falls off. '' At this point the supervisor stated to me " I see that you know your rights. You have a good day, XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraudulent Account Are Reporting to My Credit Report. These Negative accounts are holding my credit report down.

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 2022-11-07
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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