BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
debt collector sent me and my friend a letter about a lawsuit against use for XXXX dollars but the thing is we never got served papers.i called XXXX XXXX clerks office an there was a lawsuit filed in XXXX/XXXX/XXXX but they say they served use on XXXX friend says he never got anything from them but a letter in the mail a month ago.for me they said they served me but i was n't living at the address they said they served me at for almost 2 years.in the letter it says to file an answer to the court i just got a letter on XXXX/XXXX/XXXX, why do they keep asking me to file an answer after 5 months if they know that there in the wrong. i did n't have a chance to file a answer or dispute it, they are known to pull this kind of illegal tactic before on other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: MIDFIRST BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with XXXX on XX/XX/XXXX via their XXXX app. I received two emails welcoming me and confirming my open account. On the same day, I electronically deposited a {$100.00} check into the new XXXX account via their app and received notice that the funds would be available within five business days. I then setup trial deposits from another of my bank accounts so that I could transfer to/from XXXX. 

On XX/XX/XXXX, I saw the trail deposits in my XXXX account, so I set up a transfer from my external account to XXXX for {$1000.00}. Later in the evening on the XXXX, I was unable to log into the XXXX app. Since these issues do sometimes occur, I did not contact support at that time. 

On XX/XX/XXXX, I still could not log into the app, and even trying to reset my password yielded an error that I should call support. So I did and was told that I could not access my account because XXXX closed my account " for business reasons. '' I received no notification of this closure prior to my conversation with this rep on the XXXX. The rep told me to expect a letter in the mail. 

I then asked about the status of my funds. The rep told me that the {$1000.00} transfer should be rejected and returned to my originating bank because it had not yet shown up on their end. But the rep then told me that the {$100.00} from my check deposit would be held until XX/XX/XXXX because even though the account is closed as of the XXXX, it will not " process as closed '' until XX/XX/XXXX. Then they will send a certified check for {$100.00} on XX/XX/XXXX. I asked if I could withdraw the funds via the app, but the rep told me that my account access was locked and could not be reinstated because my account was closed. 

Thus, I seem to have no way to retrieve my funds before XX/XX/XXXX even though I received no advance notice of this closure or even a specific reason for the closure, and I was offered no alternative way to retrieve my funds besides waiting until no sooner than XX/XX/XXXX ( plus mailing time, most likely ). 

I do not believe XXXX acted in good faith in this instance and request that my {$100.00} be released immediately to me either electronically or via certified check on the next business day.

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 2022-01-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I noticed my amount due never got much lower so I started to review my statements and found a recurring {$95.00} charge on my statements, called XXXX XXXX. 

I immediately called Citibank who directed me to XXXX XXXX division and the agent was very evasive, told me I signed up for it and they would not refund those fees ( which amount to thousands of dollars at this point ). 

She also said she would send me proof that I signed up, which of course I never received because I never signed up for this. 

After doing some digging, I discovered that this exact product/service was part of unfair and deceptive credit card practices that Citibank got sued for and lost in 2015.

If this has been on my account since prior to 2015 ( which it has ) then I should be refunded. 

Thank you for the help, I feel I have been taken advantage of and victimized.

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 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Transunion is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for Transunion. When I asked them about it they said to contact Transunion but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: NC
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:
I have disputed the XXXX XXXX XXXX  account that XXXX is reporting 2-3 times. Each time, XXXX XXXX Equifax allows XXXX to report inaccurate information, changing the information reported each time. For example, upon updating the credit line was the investigation was completed ; it now reports my XXXX payment is 30 days -the XXXX payment is NOT DUE until XX/XX/XXXX. 
Furthermore, XXXX XXXX Equifax continues to allow the account to report that the XXXX payment was 90 days late when- a partial payment was made on XX/XX/XXXX and another on XX/XX/XXXX ; so a payment due on XX/XX/XXXX was not 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Experian Information Solutions Inc.
State: MO
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:
In late   XX/XX/XXXX ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew wh at they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.

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 2017-12-26
Company: LJ Ross Associates
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: Was not notified of investigation status or results

Complaint:
Im asking this institution to do an investigation to this LJ ross, for sending me the letter which I never knew, that I owed them, this is fraud and un fair to a consumer like me, because I never late in my dues, I know that you are helping a lot of clients, and I never had a problem with my credit, my XXXX XXXX went up, when I never knew that I owed this company. 

Hoping for your kind consideration to this matter, Respectfully yours XXXX XXXX XXXX female

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Mercury Technologies, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX. 2022, our business checking account was fraudulently deducted {$1300.00} by a business called XXXX XXXX XXXX, in California, allegedly using one of our team member 's virtual account numbers. We absolutely did not approve this transaction and were nowhere near the state of California on that date. Additionally, there is no historic log of any of our virtual accounts being accessed by us on that date ( i.e. no IP activity ). Given this apparent hacking of Mercury 's systems, we immediately contacted the bank to request a claim on this money. We have attempted to communicate this issue to Mercury Bank, however, we have been given the runaround that our domain emails aren't working, and that if we can not reply to their emails ( which never arrive ) then they will have to close our window to claim this money back. We have even sent them timestamped screenshots affirming that our emails and domain have always worked, and they refuse to communicate in alternative emails. How does one even use a virtual card number at a car repair shop, anyways? It has been a few months of trying to communicate with them, but they are, as of XX/XX/2022, no longer replying to our emails. This, to us, is a serious violation of our account integrity and we feel violated that our money was so brazenly stolen. Additionally, Mercury 's poor customer service has resulted in serious miscommunications, and in our eventual 'ghosting '. Please contact us to facilitate a resolution at XXXX ( or XXXX if you are still having troubles sending emails ). Thank you very much for any help you can provide in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Experian Information Solutions Inc.
State: DE
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:
After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX  that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with XXXX onXX/XX/XXXX for  the account, stating that the account does not belong to me. The account has not been removed 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 non-monetary relief
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: MO
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:
In late   XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but be cause of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
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: Account status incorrect

Complaint:
My credit needed some attention and after about 1 year, post pandemic, I began fixing my credit and monitoring my credit report and scores. While repairing my credit significantly I noticed my credit scores increasing which is what I set out to do and wanted. I've re-established credit with old and new financial institutions and obtained new credit cards with other credit card companies. I've used my new credit and to this day I have " Never '' carried a balance, not once. I pay my charges in full and currently I have XXXX balance on all of them, XXXX and there are about 5 major credit cards I have. I monitor my spending daily as I do all 3 credit reports. My credit scores were in the high XXXX 's and 1 was at XXXX just a couple of days ago. Today, XX/XX/2021 I check my credit reports and all of the scores except one, XXXX have dropped more than 40 points? and again, I don't now nor have I ever carried a balance and my payments are before on time, I pay any card before it's even due some times. My concern is, why with me being extremely vigilant with my spending and to never carry a balance forward, to me this is unfair for the credit report agencies, XXXX XXXX, who has never raised my credit score went from XXXX to, as of today XXXX and Equifax who just last week my score was XXXX and now it's XXXX. And again, today my credit cards are all at Balance {$0.00}, my monthly payments on my auto lease is impeccably on time, No I am paid 2 months ahead as a matter for fact. I feel the reporting and scoring are totally inaccurate as I have tried too hard and have been too diligent in maintaining a good credit history. It's time for me to push back on what I feel is clearly Unfair credit reporting and they have lowered my standings in terms of my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, {$590.00} were withdrawn from my XXXX checking account by means of Cash App and my XXXX debit card. When I realized that the unauthorized transaction was pending, I called XXXX to cancel the compromised debit card, and a new one was issued by my local branch. I had to wait until the transaction posted to initiate a formal dispute with XXXX ( XXXX ). 

My research indicates that someone with my XXXX debit card number opened a Cash App account in my name and withdrew the funds. The card number may have been obtained from any merchant that uses Square to process payments. 

Square ( XXXX ) refused to help when I called, and although there is a phone number for Cash App ( XXXX ), there is no support for non-members. My research indicates that XXXX XXXX ( XXXX ) may have issued a debit card in my name. A XXXX XXXX   representative confirmed that this is a popular scam, and provided a number for XXXX ( XXXX ), a company that will forward my complaint to Cash App. 

The way these companies operate is very concerning, leaning on each other to enable these transactions to take place while eschewing liability, essentially allowing the laundering of illegally obtained funds. These loopholes should be closed to protect consumers such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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:
THE XXXX XXXX XXXX HAS NOT PROPERLY ADDRESSED MY ORIGINAL COMPLAINT # XXXX TO MY STASFACTION. 
THEY INSTEAD, MAILED ME THE ENTIRE XX/XX/XXXX STATEMENTS. 
WHEN I CALL 'D THEIR RESOLUTION SPECIALIST [ XXXX XXXX ] ON XX/XX/XXXX AND XX/XX/XXXX AND LEFT A MESSAGE BOTH TIMES I NEVER GOT A RESPONSE. 
THIS PYMT ON CARD # XXXX DURING XXXX.S REMITTANCE WASNT APPLIED CORRECTELY, AS I WAS TOLD IT WOULD BE 2ND ... ..MY XXXX BILL CALCULATIONS ARENT ADDING UP I WANT XXXX 'S SUPERVISOR TO CALL ME AND CORRECT THIS ILLEGAL ACTIVITY AND NO LONGER TAKE ADVANTAGE OF THEIR CONSUMERS!!

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 2019-01-20
Company: Commonwealth Financial Systems, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My inquiry involves a debt : Unknown, no information available from credit agencies or initial correspondence. 

The nature of my concern : Commonwealth Financial Systems sent me a letter on, or around XX/XX/XXXX alleging that I have a legal obligation to pay them a debt from one of their clients. Per the information provided in their initial correspondence I am undoubtedly confident that the debt they allege I owe is false, inaccurate, and made in bad faith as an attempt to collect on a false debt. 

I submitted a dispute letter via certified mail on XX/XX/XXXX to which Commonwealth failed to respond. Following their subsequent failure, I disputed their listing on my credit report, which was promptly removed for their failure to submit evidence of their claims to the ( 3 ) credit bureaus. 

On, or around XX/XX/XXXX Commonwealth has again appeared on my credit report without sending me a letter or a phone call which I am happy to validate upon request ; their fraudulent listing has since been disputed - again - as of the date of this complaint. I fully expect their fraudulent and bad faith listing to be removed from my credit report within the next 30 days. 

I kindly request that the XXXX take this complaint with my testimony above to investigate Commonwealth Financial Systems for their categorical abuse of the FDCPA and harassment of Wisconsin consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
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: Account information incorrect

Complaint:
The credit bureau is reporting paying my credit card balance down as a negative when I 'm trying to raise my credit score this company is reporting it as a negative and my score has decreased instead of increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My credit needed some attention and after about 1 year, post pandemic, I began fixing my credit and monitoring my credit report and scores. While repairing my credit significantly I noticed my credit scores increasing which is what I set out to do and wanted. I've re-established credit with old and new financial institutions and obtained new credit cards with other credit card companies. I've used my new credit and to this day I have " Never '' carried a balance, not once. I pay my charges in full and currently I have XXXX balance on all of them, XXXX and there are about 5 major credit cards I have. I monitor my spending daily as I do all 3 credit reports. My credit scores were in the high XXXX 's and 1 was at XXXX just a couple of days ago. Today, XX/XX/2021 I check my credit reports and all of the scores except one, Experian have dropped more than 40 points? and again, I don't now nor have I ever carried a balance and my payments are before on time, I pay any card before it's even due some times. My concern is, why with me being extremely vigilant with my spending and to never carry a balance forward, to me this is unfair for the credit report agencies, XXXX XXXX, who has never raised my credit score went from XXXX to, as of today XXXX and XXXX who just last week my score was XXXX and now it's XXXX. And again, today my credit cards are all at Balance {$0.00}, my monthly payments on my auto lease is impeccably on time, No I am paid 2 months ahead as a matter for fact. I feel the reporting and scoring are totally inaccurate as I have tried too hard and have been too diligent in maintaining a good credit history. It's time for me to push back on what I feel is clearly Unfair credit reporting and they have lowered my standings in terms of my credit worthiness.

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 2019-07-11
Company: Atlanticus Services Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
There is a loan on my account XXXX - Fortiva number XXXX - I did not apply for this load

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
understanding that I would get a loan at a better rate for longer periods of time, this I did not get.I was one of lendup customers in XX/XX/XXXX-XX/XX/XXXX, last account # ending in XXXX, this lendup was ordered to payback money by the cfpb in XX/XX/XXXX, please tell me where to get back whats mine

Company response to consumer: Closed with explanation