BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I am trying to dispute my account with XXXX XXXX XXXX, and have not been resolved. This account has been closed and was taken care of. There are also XXXX inquiries on my report that I do not recognize and they must be fraudulent. According to the Fair Credit Reporting Act, unverified and unauthorized items must be removed. Below are the dates of the inquiries that need to be removed and the other account on file. Please remove it asap. Thank you. 

Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX As you can see- they have it on there twice. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX - $ XXXX Credit card this was resolved and closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
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: Account information incorrect

Complaint:
I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. Best Buy claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to XXXX XXXX originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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:
I notified the credit bureaus that the account XXXX XXXX XXXX for XXXX was not accurate and disputed this with the credit bureaus XXXX removed this inaccurate account from my credit because it could not be verified but Equifax and XXXX did not remove. How was XXXX not able to verify account accuracy but equifax and XXXX  could This is in violation of the fair credit report act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Square Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I noticed suspicious activity on my Cash App Visa. I  notified Cash App through their app on my mobile and I received an email acknowledging receipt of notification. I later attempted to call an 800 number, which later to learn it was not an official Cash App site. I sent an email to Cash App providing information from the 800 call which the representative asked me to access my personal checking account, an unauthorized payment to XXXX XXXX for {$690.00} was removed from my Cash App Visa, and two attempted withdrawals from my personal checking account declined by my bank, one for {$690.00} and other {$490.00}. My personal bank immediately deactivated my Visa debit card. I have not received a phone call from Cash App. I have only received communication through email. I went against my family and friends advise of filing charges and a complaint. I was asked to allow ten business days for an investigation, which ended XX/XX/XXXX. I received the following emails below post the alleged investigation. 

I had to travel for work without a debit card. I am on budget, in bankruptcy, bills not paid, and I had to borrow money. I am still wondering if my mobile is compromised, I removed apps and I limited my use. Cash App has not shown empathy, concern, or compassion to the matter. Cash App continues to dismiss the matter. 

Hi XXXXXX, The card network closed your Cash Card dispute claim in your favor. 
Date Status Amount Balance After Last Four Card # Type Statement Description XX/XX/XXXX at XXXX CDT Captured {$46.00} {$0.00} XXXX Card Not Present Purchase XXXX * XX/XX/XXXX at XXXX CDT Captured {$59.00} {$990.00} XXXX Card Not Present Purchase XXXX  * XX/XX/XXXX at XXXX CDT Captured {$5.00} {$990.00} XXXX Card Not Present Purchase XXXX  * The provisional credit previously paid to your Cash App balance is permanent. 
We appreciate your patience and cooperation throughout the dispute claim process. 

XXXXXXX Cash App Support Hello, Cash App is unable to cancel or refund completed payments. If you would like to recover your funds, please send a request to the recipient : 1. Tap the Activity tab on your Cash App home screen 2. Select the payment in question and tap Request Refund 3. Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : Only send to people you know Verify the recipients name before sending Double-check the spelling of $ Cashtags Double-check the recipients phone number or email for typos To learn more, please visit Cash App Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

Best, XXXXXXXX Cash App Support

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
EQUIFAX CREDIT MONITORING SERVICE ACCEPTS PAYMENTS BUT FAILS TO FURNISH SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Better Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my wife and I signed closing docs for a refinance with Better Mortgage. The funding date was set to be XX/XX/XXXX. Cash transfers were to be handled by XXXX XXXX XXXX XXXX XXXX. 

When XX/XX/XXXX came and passed my previous mortgage account was not paid off when I checked my online portal. I asked the Mortgage Advisor at Better who was handling my loan and was told to wait a couple of days. As at XXXX there is still no sign of any funds. They have also failed to pass on funds to XXXX XXXX for property taxes and XXXX for insurance. 

Despite several follow ups Better did not escalate my issue until 10 days past the date on XX/XX/XXXX and I am constantly having to chase still.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
CERTIFIED INCOME FOR PUBLIC STUDENT LOAN FORGIVENESS WITH XXXX   XXXX XXXX. THIS WAS APPROVED HOWEVER INSTEAD OF FOR 1 YEAR THEY CERTIFIED 1 MONTH, WHICH ISN'T THE DATES THAT I PROVIDED ON MY APPLICATION. THEY ALSO DID NOT PROVIDE ANY QUALIFYING PAYMENTS FOR THE YEAR. THEY SAID IT WOULD TAKE 6-8 WEEKS FOR A LOAN OFFICER TO REVIEW THE PAPERWORK. THEY DENIED THE ORIGINAL APPLICATION BECAUSE MY EMPLOYER THEY USED A DIGITAL SIGNATURE. THEY STATED SHE WASN'T QUALIFIED TO SIGN THE PAPERWORK. RESUBMITTED THE SAME FORM WITH A HAND SIGNATURE. THEY STATED THAT THEY SEE THE ERROR BUT CAN NOT DO ANYTHING.

ALSO ON 2 OF MY EMPLOYMENT CERTIFICATIONS THEY GAVE ME CREDIT FOR PAYMENT ONLY ON 1 LOAN. THE OTHER 3 LOANS THEY STATE THAT THE EMPLOYMENT ISN'T QUALIFIED. HOW CAN IT BE QUALIFIED FOR 1 LOAN BUT NOT ALL.

THEY REFUSE TO HELP ME WITH THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
After sending information ( XX/XX/XXXX ) to verify myself ( ie Equifax confirmation number ) with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX BANK XXXX never late XXXX XXXX XXXX not mine XXXX XXXX never late INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} not mine XXXX XXXX XX/XX/XXXX {$0.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I've filed a dispute regarding the results on my credit results it has been well over 50 days.

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 2023-04-05
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have 2 accounts with Credit Collection Services one is from XXXX ( # XXXX ) in the amount of {$300.00} and the other is XXXX ( # XXXX ) for {$190.00}. I have paid both of the debts in full and requested a goodwill deletion. They are however telling me that they do not do deletion just because you pay a balance. However I am working with XXXX XXXX to get my credit fixed for a mortgage and they told me that they get deletion letters everyday from this company that have deleted the account after payment but they will not do it for me. I have proof that they do in fact delete after a payment has been made so I am being treated differently than others and being discriminated against for some reason by them refusing to do the same for my accounts I would like these two reports to be removed from my credit because I have paid them in full just like they do and did with other consumers. I will attach proof that they do indeed delete reports from credit after a payment is made. But again they refuse to do it for me. This image I will attach is just from last week and was a recent client of XXXX XXXX who got the company to send a deletion letter because he paid his account in full which I have also. My credit advisor says he receives deletion letters from ccs all the time but they are refusing to treat me the same way as the person in the attached file and delete mine as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
capital one bank has pulled my credit fraudulently without my consent 3 times on my XXXX and XXXX report, I have contacted their customer service dept numerous times and they have done nothing to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: First Data Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by TRS RECOVERY SERVICES in XXXX XXXX, Texas with a " notice of unpaid electronic transfer '' relating to check XXXX. I wrote check XXXX on XXXX2011 to XXXX XXXX, the tax collector, for titling a car I had just bought at that time. I still have the check registry. The amount trs is claiming is {$1200.00}. the actual check was for {$180.00} ... Again, to XXXX XXXX  TRS says they, or their parent company telecheck, bought the debt from tractor supply company who I had never heard from and never heard of. TRS sent me their letter on XXXX and threatened to send my debt to a professional debt collection company, which it appears they are anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: IN
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
THIS IS A NEW COMPLAINT!!!! 
I have a loan with CCB/CHLDPLCE. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX  XXXX on my Childrens Place account and they were required to pay all billing while I was out on XXXX  leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and CCB/CHLDPLCE with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Contacted XXXX XXXX XXXX numerous times concerning open installment loan. Showing on report paid in full on 1st auto ; FINANCED 2nd auto the same day. CFPB won a XXXX XXXX civil suit against XXXX XXXX parent company for inaccurate and non reporting. My main issue. Consumer wasn't told. They lied and said software update for 2 years. XXXX XXXX XXXX XXXX need credit to show open installment loan for past 5 years. They refuse to send info too credit bureau. Corporate or local branch. Tried to trade auto for 2 years. NO OPEN INSTALLMENT LOAN MAIN DENIAL. PLEASE HELP THANK YOU P.S. NO HELP DURING COVID ; KNOWING PRIOR ISSUE WITH NON REPORTING HINDRANCE TO MY CREDIT. THREATENING TO CHARGE OFF {$2100.00} AFTER I'VE PAID {$12000.00} AND PAID IN FULL FIRST VEHICLE THAT ENGINE DROPPED OUT OF AND I CONTINUED TO MAKE PAYMENTS UNTIL I FINANCED 2ND AUTO WITH THEM. LETTER SENT TO ME OF HOW GREAT OF A CUSTOMER I WAS. REALLY?!?

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 2017-12-18
Company: Allied Collection Services, Inc. (Nevada)
State: WI
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:
Received notice that a collection had been placed on my credit report on XX/XX/XXXX. Saw that it was for an account I attempted to close on XX/XX/XXXX with XXXX. Contacted XXXX and was told that they made a mistake and would send me a final bill and recall the collection once the account was paid. Paid the account to XXXX on XX/XX/XXXX. Spoke to both XXXX and Allied Collection on XX/XX/XXXX, XXXX confirmed to me that the account was recalled from Allied on  XX/XX/XXXX and Allied told me that it would take 60-90 days to have deleted from my reports. Got an alert today, XX/XX/XXXX that the collection has been changed to paid and not removed from my reports. The entire thing happened because XXXX did n't send me a final bill when I canceled service onXX/XX/XXXX in writing. This is also showing as an open account on my credit reports.

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 2018-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital one is blocking me from authorizing a third party savings application for some reason unbeknownst to me. Please help me fix. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
COMPLAINT : Unfair and Deceptive Business Practice - Citigroup Inc . 

COMPLAINT TYPE : Unauthorized Credit Card Charges to an Expired Credit Card COMPLAINT DETAILS : XXXX XXXX magazine is a publication of XXXX XXXX XXXX with the business address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX. XXXX XXXX XXXX provides XXXX XXXX magazines to third party Internet vendors like XXXX with the business address of : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX. 

XXXX has been providing regular copies of XXXX  XXXX magazine to me since XX/XX/XXXX and has been charging my expired XXXX XXXX XXXX XXXX XXXX XXXX Card number for the last three years without delivering NOTICE in invoice form to me or obtaining affirmative authorization to charge my credit card for each renewal period. The annual charges are about {$30.00} per year. Such can not be documented because XXXX provides no invoice, receipt or documetation regarding transaction amounts. 

These transactions were made possible by a surreptitious process within Citigroup Inc. [ Citi ] whereby credit card transactions, without the merchant providing a current credit card number, expiry date or CVV ( " Card Verification Value '' ) number, translates expired credit card numbers to the customer 's current account and credit card number, which constructively allows the merchant to perpetually charge the card holder. 

Citi customer service was contacted by telephone and it was verified that this translation process is an existing process within the Citi credit card processing centers and that customers may not opt-out of this automated translation process. 

The inclusion of expiration dates on credit cards is a well accepted fraud prevention measure designed to protect customers from charges processed without proper NOTICE or authorization. However, Citi has clearly abandoned this due diligence mandate to cross-check and verify transactions using credit card numbers, expiry dates and CVV numbers and instead has created a process to collude with merchants like XXXX who are making unauthorized transactions to the peril and financial harm to customers. 

Whereas, I have contacted, without relief, XXXX XXXX XXXX, XXXX and Citi today in good faith to resolve this systemic controversy, I am filing this complaint praying that this practice will be deemed an unfair and deceptive business practice that must cease and desist as soon as possible.

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