BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-22
Company: Square Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Square representatives refuse to provide a trace for my money transfer to my bank account, which did not show up in my bank account and the money is missing. Square refuses to provide customer service and refuses to provide a trace on this money and will not help their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : XXXX, Experian and XXXX. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/2020 I went to Capital One Bank located at XXXX XXXX XXXX XXXX, XXXX, LA XXXX. I wanted to do a deposit in store at the branch, however, they were temporarily closed that day. At XXXX XXXX  I decided to deposit a total of {$270.00} cash into the atm, which I do not like doing. The atm prompted me if I would like a receipt, I selected yes. After putting in my money ( which were less than 50 notes ) the machine spit out some bills it would not accept. I was expecting my deposit to show {$220.00} and a receipt to print. However it did not, and a message displayed, your funds have been retained. I immediately checked my checking account online to see if the deposit reflected, it did not. I proceeded to put my card again into the ATM to check my balance there, however it did not reflect also. Since the branch was closed, I decided to call the 1- 800 number on the back of my debit. I filed a claim and told him my concern and they said I would receive a provisional credit. It still has not displayed a credit nor have I received a call from Capital One. After 17 years of being a customer I find this ridiculous. All of their ATMs have a camera and should have a log of what each transaction and user has done. I should not have to wait and he shorted {$220.00} before XXXX!!! The customer service agents portray no empathy and lack of service. I will be closing my account as soon as this resolved if it ever will!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TRANSUNION HAS LISTED ACCOUNTS ON MY CONSUMER REPORT WITHOUT MY PERMISSION. 
TRANSUNION IS NOW CIVILY LIABLE AND CRIMINALLY LIABLE Transunion is in violation of 15 U.S.C. 1692b. 
Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. 

I DID NOT GIVE TRANSUNION WRITTEN CONSENT AND THAT IS FRAUD. 

Transunion is Also in violation of 15 U.S.C. 1692g. 
They were to notify me in writing 5 days prior, To publishing this Alleged Debt, I was not. 
As the original creditor, only I can validate this debt. 
I do not validate this Alleged debt.

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 2020-12-05
Company: EQUIFAX, 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 am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: FL
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 reached out to the bureaus in regards to this situation several times and they keep violating my consumer rights. this is my last attempt to resolve this issues in this manner. I will be reaching out to the secretary of state next in regards to their abuse of power and their failure to properly investigate inaccurate information. I am requesting that their response include : 1. I have a simple request. What procedures does your company have in place to investigate accounts? 
2. I am requesting you send me a copy of your policy and procedures?

3. Are your procedures congruent with Title 15 Subchapter III in reference to credit reporting agencies? 
4. What data are you basing your verification off?

5. Provide me with the names and business address of the persons with whom you contacted/verified these items, so that I may contact them myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: CO
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:
In accordance with the fair credit reporting act, XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish am account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose

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 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-07-16
Company: Student Debt USA, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted a couple months ago by XXXX at Student Debt USA. She wanted to take over my student loan debt and provide a way for my loan to be forgiven after so many years of paying on the debt, All I had to do is pay Student Debt USA {$1000.00} in ten monthly payments, then several years at {$35.00} per month for the period of time required to have the loan forgiven. Like a fool I agreed to accept Student Debt 's assistance. I have since paid them {$200.00} total.

I called my student loan holder, XXXX ( XXXX XXXX XXXX XXXX ) when I didn't receive any paperwork from Student Debt USA and was told that they ( SDU ) were taking money for a free service that I had been enrolled in through XXXX for years. 

I was advised to make a complaint against Student Debt USA with several government agencies which included this bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: NJ
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 inquiries listed below are all reported on my credit profile as a result of fraudulent unauthorized activity. Ive personally contacted the credit bureaus and told them this in hopes to have these inquiries removed but their response to me was no. Ive taken the time to list the name of the inquirers and the dates they inquired to make it easier to have these inquiries removed, Ive uploaded documentation below proving these inquiries were a result of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: GA
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-02-04
Company: New Era Asset Management, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX with New Era Assests called me on XX/XX/XXXX at XXXX. I called back shorly after and spoke to him about my debt. I advised him I would like to make a monthly payment arrangment for $ XXXX/month to pay off my debt. He was very rude an upset about this amount. He told me that they could try to do that with a automatic payment, but probably couldn't do that little of an amount, it would have to be {$160.00}. I told him I could call back on XX/XX/XXXX to make a payment, but that I didn't want to set up an automatic withdrawal. He got extremely upset, told me he would go back to his client to let them know I was unwilling to work with them, and then hung up on me. I am willing to pay back the money, and am only able to do {$100.00} at the moment, but have been advised not to do automatic payments. I was appalled at how rude I was treated, and have never been talked to like that by a debt collector. They are also contacting family of mine that was NEVER approved or written down on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I had Trying Fixing this problem with bank of America numerous times.The problem is still there showing late payment XX/XX/2019 which was error from BOA they even waived the late fee because auto payment system error. I have Secure card with BOA suppose to get my deposit back after first year along with credit increase that was in the contract.never happened either.

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 2021-06-09
Company: Professional Recovery Management
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Penn Credit Corp contacted me at my employer a few weeks back. This was after repeated phone calls on my cell phone previously. I told them they ca n't contact me at this number, as it 's a business line. My employer does n't allow phone calls not related to the business. On the XXXX/XXXX/XXXX they once again called me at my work. I once again informed them they ca n't use that number to contact because it 's not allowed and had to end the call before I got caught. Tonight, XXXX/XXXX/XXXX they once again called me at my employer around XXXX and I explained for a third time they ca n't call me at this number and how it 's not allowed. The woman tried telling me nobody contacted me before and nobody was told they ca n't use this number. I checked my XXXX XXXX report and they reported they had contact with me and lied saying resolved and that I disagree when we were never discussed anything besides the line they were calling me on is forbidden.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2023-06-08
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-10-16
Company: FC HoldCo LLC
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:
There is an inquiry on my report that i did not authorize nor was credit granted. i submitted a letter to the bureau 's to investigate and to show me how they got their information because I never granted anyone permission to do so. there was no response. The inquiry is still on my report. 
XXXX 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 explanation