BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I contacted Cashapp via their chat support through their app. I submitted a dispute for a hotel stay I booked, but had to leave and did not stay because of the condition the room was in. The room advertised was not the room I was put in, was infested with roaches, and was under construction. XXXX XXXX, XXXX XXXX XXXX FL. I explained this in the dispute form. Since then I have asked 10 different dates for a status of the dispute, eight of those ten times I received auto responses stating they have escalated my dispute. Those dates are XXXX. The dates on XX/XX/XXXX are correct twice that day they said they escalated my dispute. On XX/XX/XXXX however prior to XX/XX/XXXX I received an email stating my case was closed because a response was provided or they have not heard from me in three business days. 

Lets back up a second, first they did not inform me this would go beyond the ten days for resolution, so they did state they had 45 days, yes that is true my 20 years of banking I do know that, however they did not offer or say they would provide me provisional credit for the time being. Correct me if I am wrong but does not REG EE state an institution can go beyond the 10 days I think it is to 45 days provided they offer provisional credit to the customer? I have no such offer. They have still not resolved this and all I got is auto responses most of the time, responses from real agents but you can only communicate through chat. It takes two hours for them to respond, by then I am off to something else, by the time I read the message they left the chat box having me to start all over again. Their practices should definitely be reviewed, I know for a fact they should be in violation of federal regulations. Finally they responded with the response provided from the merchant citing, " the hold off debit card was removed, so we ( we being cashapp ) are not sure what is the issue? '' How about that was never my issue to begin with, how about they read the dispute and know what it is the process they have in place. If I am able to upload the chat box conversation just be prepared to be mortified on how they handle these disputes. 
The Cashapp reference number associated with my claim is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has not provided me with sufficient information to verify that I am obligated to pay this alleged debt. Nothing provided in their original response is proof of validation under 15 USC 1692g. 

See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 agecy can not fumish a account without my written instructions XXXX. XXXX XXXX Account number : XXXX Amount {$1800.00} XXXX XXXX XXXX XXXX XXXX, MN 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 2019-03-28
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 a letter was sent to me from XXXX XXXX XXXX regarding a debt that is owed to XXXX XXXX/ XXXX XXXX XXXX, XXXX. I proceeded to contact XXXX XXXX through the mail for the second time that this debt was not mine. They did not respond with the information I requested. On XX/XX/XXXX I then received a pre-approved letter from XXXX XXXX indicating I was pre-approved for a {$2000.00} credit line for their XXXX Platinum credit card. My concern is that if the debt they claimed I owed was mine I would not be eligible to be approved for a credit line through the same company claiming I owe them. I want the account mentioned in the letter sent on XX/XX/2019 removed from my credit report 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 2017-10-24
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX received a certified letter from me dated XXXX. XXXX XXXX received XXXX. Requesting XXXX XXXX to verify how they verify the information on my report. I have not heard back from them. It has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am complaining Bank of America as follows ; My local bank " XXXX XXXX Bank '' in XXXX, send a " RECALL OF THE FUNDS '' to Bank of America in XXXX ( copy attached ), however, Bank of America did not response to my local Bank till today. 

See below the refund request sent from my local Bank in XXXX to Bank of America : { XXXX : XXXX } { XXXX : XXXX } { XXXX : { XXXX : XXXX } } { XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX .... 
. 
IN RELATION TO OUR XXXX REFERENCE XXXX FOR AMOUNT XXXX, VALUE DATE XXXX. 
PLEASE BE ADVISED THAT WE HAVE BEEN CONTACTED BY THE REMITTER FOR THE RECALL OF THE FUNDS. 
HENCE PLEASE CONSIDER THIS AS OUR URGENT REQUEST FOR THE USE OF THE FUNDS AND RETURN THE FUNDS TO US AT EARLIEST. 
. 
FOR ANY FUTURE CORRESPONDENCE RELATED TO THIS CASE PLEASE QUOTE OUR ENQUIRY REFERENCE XXXX. 
RXXXX XXXX XXXX XXXX XXXX XXXX { XXXX : XXXX } { XXXX : XXXX } { XXXX : { XXXX : XXXX } } { XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX DEPART .... 
. 
IN RELATION TO OUR XXXX REFERENCE XXXX FOR AMOUNT XXXX WITH VALUE DATE XXXX. 
PLEASE BE ADVISED THAT WE HAVE BEEN CONTACTED BY THE REMITTER FOR THE RECALL OF THE FUNDS. 
HENCE PLEASE CONSIDER THIS AS OUR SECOND REQUEST FOR THE USE OF THE FUNDS AND RETURN THE FUNDS TO US AT EARLIEST. 
. 
FOR ANY FUTURE CORRESPONDENCE RELATED TO THIS CASE PLEASE QUOTE OUR ENQUIRY REFERENCE XXXX. 
REGARDS CLIENT SERVICES STANDARD CHARTERED 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
Consumer complaint received 2021-11-12
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: Information belongs to someone else

Complaint:
To whom it may concern, According to my credit report, there was an amount of {$5000.00} fraudulent charge that was committed under my name for XXXX. This started back in XX/XX/2018 and upon finding out I have been in dispute with the 3 Credit Bureaus regarding this fraudulent account since then. It has been over 6 months since I've been fighting this case and the case has yet to close and remove from my credit report. I sent about 9 letters requesting to show proof and informing that this debt was and is not mine, their only response to me is a " generic response '' stating that the debt is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I want to let you know what happened with the XXXX XXXX XXXX in the city of XXXX Florida, in the month of XXXX of the year XXXX a person present herself with some outdated data from my information and this institution provided her with services doctors endorsing me the charges incurred by it this person basically presented herself with my name and an address corresponding to my address of 6 years ago ( address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX ) without social number, without insurance card and without physical identification where the institution could corroborate her identity and she was treated as if it were me, Immediately afterwards, this hospital charged me a debt of XXXX dollars, which were sent to the address reported by this person and when I did not respond because it was not my current address it was passed to a collection company that alleges until the date that I still owe that money. I already made the respective report with that medical institution and the police department of the city of XXXX with the report number XXXX XXXX, this situation has led to a mortgage loan application if it is denied to me, therefore I need your company to make the respective correction and investigation of this situation that occurred in my credit to be able to delete it from my history since I was not the person who opened this fraudulent account with this medical center.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/XXXX at approximately XXXX XXXX, I electronically initiated a transfer of funds ( {$29000.00} ) from my XXXX XXXX account to my PNC Bank checking account. On Saturday XX/XX/XXXX at XXXX I received a e-mail from XXXX XXXX stating that the funds transfer I requested had been sent to PNC Bank. ; The problem is that PNC Bank did not credit my account until Wednesday XX/XX/19. I can not understand why with the technology we have today, the transfer of funds should not take any longer than one day. I was in the process of purchasing a new vehicle and needed the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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: Information belongs to someone else

Complaint:
To whom it may concern, According to my credit report, there was an amount of {$5000.00} fraudulent charge that was committed under my name for XXXX. This started back in XX/XX/2018 and upon finding out I have been in dispute with the XXXX Credit Bureaus regarding this fraudulent account since then. It has been over 6 months since I've been fighting this case and the case has yet to close and remove from my credit report. I sent about 9 letters requesting to show proof and informing that this debt was and is not mine, their only response to me is a " generic response '' stating that the debt is indeed mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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 Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received emails and phone calls regarding a student loan for XXXX XXXX that I never cosigned for. I want my credit report cleared and damages for undue harassment. Navient needs to go after XXXX XXXX for repayment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received any verification of debt or reply. Company violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.

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 2021-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery is listed as having a debt in my name. I am requesting this company send me a full outline of charges made. I believe I am a victim of identity theft. I was sick with XXXX  XXXX XXXX XXXX and was taken advantage of while away receiving treatment. Please help me resolve this matter. Im a single mother with a XXXX XXXX child and the XXXX  of this account lingering over my head is really affecting me mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
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:
All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX figure a couple of weeks later

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 2020-01-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Loan number - XXXX Good morning, We're reaching out to you, unfortunately once again, in an effort to ask for your assistance with resolving our dealings with Bayview Loan Servicing. We have been actively and honestly engaged with them since XX/XX/XXXX and our situation has not progressed forward in the very least. 

This file is currently assigned to - XXXX XXXX XXXX XXXX and since the beginning of XXXX, we've tried to reach him 35 times, via phone, and 9 times directly via email. To date, he has returned a total of 4 of those calls. 

It's clear that, either XXXX is unfit for the position that he currently holds or Bayview is intentionally delaying this process. As you can see by the notes that we've taken, their stories have gone from - 'you didn't meet the 37 day prior to sale submission requirement ' to 'we 're going to review this as an Exception and review you for a Streamlined Modification ' to 'we need you to resubmit ALL documentation again ' ( Streamline Modifications require minimal documentation ) to the most recent request - 'we now need updated financial information. ' We're asking you to step in and demand an explanation as to why this has been going on for so long, as well as, we're also asking Bayview to re-evaluate Mr . XXXX ' abilitiy to perform the job that he's been tasked with. If this is happening with us, most assuredly, it's happening to dozens of other homeowners.

We would also like this file to be escalated at Bayview and reassigned to a more competent point of contact. If Bayview doesn't reevaluate Mr. XXXX and his ability to perform at the highest level, it would be a further indictment as to the quality of service that they're dedicated to providing Homeowners. 

I'm available to answer any questions for you at the following number. 

Thank you for your assistance with this! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: PA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: NEW YORK COMMUNITY BANCORP INC
State: OK
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:
Assumed a VA loan in XXXX of XXXX. In XXXX of XXXX my credit score went down XXXX points and changed rating from exceptional to good. Mortgage company reported a modified payment agreement. Have not agreed to any modified payment agreement and account is in full good standing. Reached out to mortgage company on XXXX and they could not help me. Disputed with XXXX same day. On XXXX they came back and said investigation closed but my credit and the comment still remain. My credit history with flagstar, the mortgage company, is only since XXXX of XXXX. They are counting payment history of previous owners and that is negatively impacting me. This is not fair or correct. I have paid 100 % on time and full amount.

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 2020-02-04
Company: BlueChip Financial
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out an XXXX loan in XX/XX/2019 with a payment of around XXXX every other week. I did miss a payment in XXXX which the company in turn increased my payement to XXXX. I have paid over XXXX on this loan already and when I asked them about a settlement to get me out of this they said that I needed to pay XXXX to clear the debt today or continue paying the XXXX for the next 14 payment ( which is over 2600 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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