BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-08
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was a misunderstanding with my bank regarding a dispute case back on XX/XX/2019. I filed a couple charges as fraud on from my cash app account but my bank inadvertently filed about 3-4 months worth of charges as fraud, which totaled to {$2100.00}. I didnt know this until recipients of the money Ive sent all notified me that the payments Ive sent them were disputed and retracted from their bank accounts via cash app. I immediately notified my bank, XXXX XXXX of what happened and they cancelled the dispute on XX/XX/2019 and informed me that the {$2100.00} will go back to cash app and everyone will get credited back their money. Nothing has come back to my cash app account nor to the people that lost money due to the disputes. Cash app also closed my account due to all the chargebacks and it seems the money is sitting in their system due to my cash app account being closed. My bank said the money was sent refunds back to cash app but their not helping me access the funds. Ive notified them many times that the refund is somewhere stuck in their system but they wont help me because my account is closed. I need help getting access to the refund that was sent from my bank to cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 a credit card from XXXX  XXXX XXXX  was opened for XXXX dollars amd this was not me and now it is on my credit effecting me and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Vander Financial, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a verification request to collection agency and they responded by saying that by law they didnt have to validate the alleged debt. Also the document that they sent me says that I owe {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX refuses do conduct an investigation. XXXX XXXX representive would rather dispute my complaint over fixing my credit report. 

XXXX XXXX  IS currently reporting inaccurate information on my credit report. On XXXX  Equifax and XXXX XXXX it shows reporting that my last date of payment was XX/XX//2016. 

XXXX XXXX also reports that I was late XX/XX/2016. When speaking to the person responding to my complaint he/she states In summary, your account became 30 or more days delinquent in XX/XX/2016 and was never brought current. 

This person responding to the complaint states that I am not factual but proves my complaint valid with the statement above. I have been disputing a number of inaccuracies but like the repersentive above said I first late on XX/XX/2016. 

So this INDEED MEANS the First date of delinquent was XX/XX/2016 and NOT XXXX/2016. 

While the repersentive is attempting to school me heres what he/she said as well First, your date of first delinquency is XX/XX/2016. Our records reflect that the account was due for the XX/XX/20/16 payment which was paid on XX/XX//2016. 

Then sends me an account paying history statement that I will attach. 

XXXX XXXX OWN statement shows the following. 
The rep states my due date was XXXX Due XX/XX/2016 Payment XX/XX/16 Due XX/XX//2016 Payment XX/XX/16 How can I be 30 days late? Based on your own statements it shows youre violating my rights! While, protesting against my complaints instead of doing an investigation. 

XXXX XXXX reports on all credit reports that I am 30 days late XX/XX/2016 and my first date of delinquent was XX/XX//2016. 

I get back in 2016 that I made mistakes but this erroneous reporting and going back in fourth instead of an investigation proves XXXX XXXX has some malicious intent to keep inaccurate information on my credit report. This is vindictive credit reporting If a Definition was needed. 

Again, there are 3 reasons this account needs to be removed! 

1. I WAS NOT late XX/XX/2016 2. XX/XX//2016 was not the first date I was delinquent 3. This account should not CURRENTLY be reporting as a charge off. As this debt was dismissed in Bankupcy court. 
4. 76 month Terms reporting on a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase is a very bad bank for me, I called them many many time to send me a debit card and transfer money to XXXX XXXX. They refuse to send me a debit card, I really need my money to buy food, pay apartment booking etc. Chase is not human being to me, they just like animals to me. They want to control my money, they are very bad to me! Very bad customer service to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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:
According to the FCRA and the FDCPA by law, Equifax, XXXX  and XXXX  are supposed to report information accurately on our ( the consumers ) credit file.

I have already sent information to these creditors negating these accounts. It is imperative that the bureaus report information with accuracy, otherwise, they are reporting information that brings defamation to my name. 

XXXX XXXX : XXXX I've sent documentation to have this company prove and verify this account. At the bottom, you will see the documents I sent both of these fraudulent accounts. In addition, the last date of activity is showing three different months. There's no way to have a last date of activity to be three different months. 

XXXX XXXX : XXXX I've sent the save documents to this company as well to prove the information. To make it even worse, the information they're report isn't consistent. The balance reporting on Equifax and XXXX  are two different amounts. 

According to the FCRA and the FDCPA, you are to report factual information. 
Remove these accounts immediately. 

Documents sent to both of these companies for them to prove the debt : - RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Direct express it is constant. I got a brand new card. The only place I used it was at XXXX for cash back. The card charged me XXXX dollars saying from XXXX XXXX XXXX. I never bought anything from XXXX next I was talking to a friend I said I was thinking about getting the XXXX  company to drive my daughter here for her safety the charge came on my card. it is a constant thing. Also direct express altered my statements and my balances are incorrect XXXX On XX/XX/XXXX they froze my account I begged for 10 days for them to unfreeze it they required me to send documents when I couldn't because of the pandemic social security tried talking to them that did not work.. I was forced to beg at the grocery store plarking lot and the customer service person said I can eat after the pandemic in a few months. they then turned my card on and 6 hours later blocked it again. They said I didn't update my email and phone but I did and had been receiving my emails to my new address. in the end I was forced to disclose my court papers and my XXXX kit information for them to allow me access to my account to buy food and medication at the time my foot was XXXX. I begged everyday for 10 days.I know it is because I made a complaint about a bank and they have tarcked me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-08
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: Account information incorrect

Complaint:
XX/XX/XXXX The errors on my Equifax credit report have NOT been corrected. Since XXXX XXXX XXXX and XXXX XXXX XXXX are so incompetent that they can not seem to read and understand and fix their errors I took the time to copy, paste, highlight and spell them out for them so that they both and Equifax too can fix them and so that the CFPB can also do their job they are paid to do by the citizens of this country, including myself, and enforce the FCRA. Again, just in case any of you have forgotten what that law states the definition is listed below. FIX my credit reports NOW!! I do not want ANY phone calls from any of you, all must be in writing AND I wanted corrections made then updated with all three credit bureaus and a copy of each corrected credit report mailed to me and the IL Attorney General for review before this case is to be closed and I will be letting your boss President Trump know this as well! I have also contacted my attorney about all, the IL Attorney General and the NCUA!!!! 

XXXX XXXX Fair Credit Reporting Act The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I would like to dispute and have remove a XXXX XXXX account with a balance of XXXX and opened on XX/XX/2011 listed on my EquifAx Credit Report. This is account is inaccurate and incomplete its missing the Many months of reporting I have disputed This Item several times however it continues to be verified as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: AL
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 wrote in to CFPB on XX/XX/2020 about a issue on my Equifax credit report. I told this company that I had a debt that was reinserted or never removed even though the updated report stated that it was removed. Equifax wrote back to CFPB on XXXX XXXX saying that they mailed me a update but nothing was updated. As of today this debt is still appearing on my report and if an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. When you receive the notice, you will have to go through the same process to contest the mark as you did the first time. When you contest the reinsertion, you may want to include paperwork showing that the mark was previously contested, and removed. I did not receive any kind of notice from Equifax about this reinsertion. Negative mark is confirmed, I did not get no response, They have violated the FCRA. Neither the creditor nor the CRA can argue that they incorrectly deleted the item the first time, or that the mark was removed in error ; if it was removed pursuant to your prior letter informing the CRA that the mark is inaccurate, it can not be reinserted for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
debt collectors constantly calling my phone all day before XXXX and XXXX. even on weekends sometimes they call from private number they refuse to tell me which company their representing as well. sometimes

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 2018-02-25
Company: Experian Information Solutions Inc.
State: CT
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 car was taken away because of limit information when purchase from the dealer

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 2020-06-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a PayPal account with which he worked online, sending and receiving money for digital goods sales. On XX/XX/XXXX I received an email indicating that my account is permanently limited without the right to appeal and without giving me a reason. They also indicated that the funds that I had in my Paypal account, exactly XXXX USD, would be held for 180 days and then I could withdraw them. 
On XX/XX/XXXX, I received an email indicating that the 180 days had already been met and that I could withdraw my funds. However, the account continues with a limitation that prevents me from making the withdrawal. I have tried everything to contact them and they give me a solution : XXXX, XXXX and through email I can only speak to a bot that answers the same thing over and over again. Your telephone service is closed and your Paypal forum only serves to meet more people with the same problem. 
Today XX/XX/XXXX I continue with the money withheld and without being able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Armed Forces Loans of Nevada Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company reported to both XXXX  and XXXX  that my payments were late ' twice by 30 days for XX/XX/XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XX/XX/XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
XXXX. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX i received my paypal credit statement but i did not open till XX/XX/XXXX and then when i checked them i was shocked that i have transaction that i did not recognise or Authorized and i called my paypal credit immediately to report the transaction that i did not Authorized all Cash advance transaction from XX/XX/XXXX that transaction is not made by me and i have not received any products or items from this transaction. i requested to closed and unlink my paypal credit to my paypal account. also already check my credit report and tried to report this incident to the credit bureau but i did not see this account and realized they don't report this kind of credit to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: NJ
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:
WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND ( XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received an email from Equifax on XXXX XXXX, 2017 stating that in order to complete my enrollment in my free XXXX service ( received because my account was hacked ), I needed to log onto the provided email to finish the process. For the many times I tried, the response was always that the system was down & to try later. Several times I have spoken to several representatives for help and each time they could not find me in the system, even though Equifax had sent me the email. And each time their response was for me to keep trying. The enrollment period has been closed and I was not successful in enrolling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 provided XXXX  and XXXX with copies of the court document showing proof the Judge granted the Judgement in my favor. XXXX and XXXX have contacted the collection agency twice to verify the account. The did not contact the court involved and verify the information proving the Judgement was in my favor and this item should be removed from my credit reports. I filed a complaint with CFPB on XXXX less than 30 days ago and they till verified with the collection agency rather than the courts. They still refuse to remove this collection from my report. This is the first report with XXXX. XXXX  has removed the item as they verified the documentation.

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 2021-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My husband had the credit card since XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX bank reported him 30-days-late. 5 month later in XX/XX/XXXX after being married in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XX/XX/XXXX. I did not have the card in XX/XX/XXXX. There is no way I could of been late as I did not have a card or no oblid=gation to pay. I have asked the bank and the CRA 's to remove the account. They have failed to do so. This is inviolation of federal and state laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My husband had the credit card since XXXX with XXXX XXXX. In XX/XX/XXXX bank reported him XXXX. 5 month later in XX/XX/XXXX after being married in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XXXX. I did not have the card in XXXX. There is no way I could of been late as I did not have a card or no oblid=gation to pay. I have asked the bank and the CRA 's to remove the account. They have failed to do so. This is inviolation of federal and state laws.

Company response to consumer: Closed with explanation