BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Recently I received an overdue notice on my Bank of America credit card, which I thought was strange since I'd set up automatic payments. I spoke with someone by phone who kindly reversed the late fee and interest charges. I asked her how much I had to pay to pay off the card. She told me and I set up an automatic payment. When the funds didn't leave my XXXX XXXX checking account after a couple of days, I checked and saw that the automatic payment had defaulted to come out the following month, XXXX, when my next bill was due -- even though I was already overdue for the current month. So I set up another automatic payment, this time to come out the same day, XX/XX/XXXX. Then I called Bank of America to cancel the card. I'd had enough of this bank. The person I spoke could not see any pending payment. I told him I saw on the website that the payment was being processed and he said that it would be applied tomorrow in that case. 

That was yesterday. Today I received a text about debt collection, saying I was overdue. When I logged in the payment was still in process and there was red text everywhere about how late I was. I called again and was first passed, for some reason, to the fraud department, then to someone in the digital world, who said she couldn't see my pending payment even though I HAD A BANK OF AMERICA CONFIRMATION NUMBER RIGHT THERE ON THE PAYMENT SCREEN. The only way I could ensure the payment would go through would be if I gave her the RTN and account number over the phone, which I did. 

I asked her if by some miracle any of the other payments I'd scheduled managed to go through, would she refund the money and she said yes, she'd refund it to my checking account ( and not the credit card I happily cut in two ). So that's good! In the meantime, I wasted far too much time on this and I'm worried that I've been reported to a credit agency. I don't keep running credit card balances and I recently had a perfect credit score. That needs not to change. I want proof that this late payment has not been reported to a credit agency -- and if it has, I want a correction sent out. 

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 monetary relief
Consumer complaint received 2021-01-23
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Apparently XXXX  XXXX University made a loan to me. I was never informed that XXXX  XXXX was making loans personally ; I was told that it was a XXXX XXXX XXXX. 

That was circa XXXX or so. I graduated in XXXX. During that time I was experiencing chronic homelessness and severe financial difficulties. I made several attempts to address the debt with XXXX  XXXX in XXXX, during a time when I was homeless, unemployed and broke. 

So XXXX  XXXX sent the debt to the Attorney General, who then doubled the amount of the original debt, from {$6500.00} to now almost {$12000.00}. The Law Offices of Robert A. Schuerger Co., L.P.A has threated to sue me and even rudely informed me that the debt wasn't dischargeable in my Chapter XXXX bankruptcy I filed in XXXX, despite the debt being classified as university/institutional debt. 

They have informed me that I will be sued and they will take my tax refunds and garnish my wages and that there is nothing I can do with the debt except pay it. The statute of limitations has since passed for this debt and I don't appreciate the strong arm tactics being employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. I'm deeply stressed and have been sending letters before this and still no response.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my 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 2018-03-05
Company: Experian Information Solutions Inc.
State: IL
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 disputed two accounts ( XXXX XXXX and XXXX XXXX ) a few times and Experian has always came back with " verified '' and never sent documents proving their findings. Also, both accounts have been paid off and according to Experian.com, both accounts are still showing " Failed to Pay ''.

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: UT
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:
I have a Bankruptcy with no visible account number reporting on my credit that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file. It has already been removed off XXXX but the other bureaus won't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX & XXXX XXXX, XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :

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 2022-03-07
Company: Gragil Associates, Inc.
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received call saying I owe on an old pay day loan. Said if didn't pay they would file lawsuit Took pay day loan over 11 years ago. I recall repaying loan Said if didn't pay they would file lawsuit and garnishment Told them to file and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My bank, Capital One, has been preventing my data from being used by financial services apps. Its prohibited me from creating online account that help me save money through non-traditional savings account means. The problems started occurring maybe about 2 months ago and Capital One has yet to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Cash App is encouraging fraud. On XXXX  XXXX I paid XXXX XXXX for weed. The original amount was {$40.00} but due to Cash App fees I ended up having to pay {$41.00}. When it was time to deliver what I had paid for, XXXX XXXX stopped responding to my texts. I then requested a refund of which he declined. When that happened I then filed a complaint with Cash App. The App took me around in circles ( in writing ), refusing me to file a complaint. This is encouraging fraudulent behavior on the App. I would like the refund of the amount paid to XXXX XXXX as I did not receive the goods. Attached is the reference number : ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, INC.
State: MA
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:
I went on training on XX/XX/2018 and returned home in XXXX told the loan company i was in training and cant log on to bay my loan until i get home, my credit score went from a XXXX to a XXXX and they refuse to remove the marks from my account i have email trails

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CORELOGIC INC
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XXXX, XXXX XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called XXXX XXXX XXXX to lock my card because I thought I had lost it but I found it. So I called them back to tell them that i found it and can they reactivate my card. They told me no and that I should have a replacement sent to the address on file. I said no because I would never get it because the apartments where I reside at, is bad I have been treated very very poorly. The mailboxes are open. They been vandalizing my cars, they constantly send harassing messages thru emails. But thats not the issue but you get why I dont want my card sent there. So I gave them my daughters address to send the card at her address but they told me no, they couldnt send to her address without proof that its me. But somehow they have let someone else change my account and do Lord knows what to it. If the prison man XXXX XXXX XXXX and XXXX XXXX did that cause theyre the ones whos been hacking on my phone and email account, thenIm going to sue if these people steal my hard earn money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX. I transferred XXXX $ to XXXX banking account. Waited 4 -5 days. Money was not delivered. Method of delivery in app changed from account transfer to Cash at WU agent.

Becuase receiver can not pick Cash from Agents. I called WU and ask for cancellation and refund. 
At that time. The status changed from available to unavailable to complete instantly while I was on the phone with agent. 
I was promised the refund will occur within 4-5 days. This never happened, I called more that 15 times. Spoke to multiple supervisors and agents. 
Tracking # XXXX XXXX XXXX XXXX # XXXX Of Note, I have another transfer done on same Date to XXXX of XXXX XXXX And this was refunded and then reversed at the time I request refund. Which tells me someone tried to refund me and did a mistake. The irony when he tried to do that. He charge me again transfer fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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 a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.

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 2020-05-28
Company: EQUIFAX, INC.
State: DC
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:
I have sent three initial disputes to this bureau and nothing has been updated. I submitted with proof of payment. I submitted all of this to continously get that they investigated even witih factual proof provided. I would like this removed and deleted from my report, for inaccuracies. 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet,  Equifax, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. '' XXXX, XXXX, XXXX, XXXX XXXX XXXX. ALL REPORTING INACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: IL
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:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.

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 2023-08-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These accounts for student loans were charged off and then taken repayment from tax return accounts were charged off I had to report and tax intercept to repay they should not be on account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a XXXX card that was charged on while I was not in that state. I'm in South Carolina, the 3 charges were made on a fraudulent replica of my card at XXXX store in XXXX, XXXX, store # XXXX. Charge # XXXX XXXX, at XXXX trans. # XXXX. XXXX. Charge # XXXX at XXXX trans. # XXXX amt. XXXX. Charge # XXXX trans. # XXXX amt. XXXX. I made Police report in XXXX XXXX SC, where I live. Case # XXXX. They won't cross state lines. My bank is Truist Bank. My claim # XXXX. My card # is XXXX XXXX XXXX XXXX. XXXX. My phone # XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX. A good contact person at the bank is 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 monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am requesting my report and they keep telling me that I cant get a free report until investigations are over. My consumer rights have been violated and demanding compensation.

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 2020-05-28
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When contacting US Bank regarding several issues I've been having with their XXXX app features the representative I was transferred to from technical support was extremely rude telling me that they've been having these issues for a while they had no estimated time of when the issue would be resolved because it was a low priority for US Bank and he had nothing else to tell me when I called back to file complaint against that representative I was given the runaround today I received the call from a very rude representative from their corporate offices in which he wanted to argue and interrogate and harass me on the phone about issues that I'm having with my account due to their negligence and by their own inventions of their representative and issue they knew about but that wasn't a concern for the bank

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