BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
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:
RE : Account with XXXX XXXX XXXX XXXXisted on my credit report. 
Equifax maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX. While the burden of proof lies with XXXX XXXX XXXX XXXX XXXX XXXX have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor Equifax has provided rebuttal. If Equifax maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have attached an Affadavit of Fact in rebuttal for Equifax to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions Inc.
State: MA
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:
CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX  XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, Experian and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently. 
All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
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
Consumer complaint received 2022-01-20
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2022, I contacted SYNCHRONY BANK/ TJMAXX and asked for a debt validation letter. XXXX, with employee id XXXX stated that I needed to send a written correspondence to SYNCHRONY to request a debt validation letter. This is a direct violation of 15 USC 1692g. SYNCHRONY is preventing my ability to exercise my rights to 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 2023-09-07
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To Whom It May Concern, I am writing to file a formal complaint against Square Inc. regarding their unethical and potentially illegal actions in relation to a recent ACH transaction totaling {$5500.00}. This transaction occurred on XX/XX/ and was my first experience with Square as a payment processing company. Regrettably, it has been nothing short of a nightmare. 

I initiated a {$5500.00} ACH transaction through Square 's platform. To my astonishment, immediately after the transaction, my Square account was inexplicably deactivated, and I was left in the dark about the status of my funds. I contacted Square 's customer service department immediately to seek clarification and resolution. 

My initial contact with Square 's customer service was disappointing and unprofessional. The representatives I spoke with displayed a complete lack of empathy and professionalism. They failed to provide any concrete information about the reason for my account deactivation and the status of my funds. Instead, they assured me that " management would call [ me ] within 2 business days to resolve the issue. '' However, as the days turned into a week, I heard nothing from Square 's management or anyone else from the company. Frustrated and concerned about the safety of my funds, I attempted to follow up with Square multiple times. On each occasion, the customer service representatives were unhelpful and, shockingly, even hung up on me without any explanation. 

The condu

ct of Square Inc. in this matter is not only unacceptable but also potentially in violation of federal regulations governing ACH transfers. By deactivating my account and withholding my funds without any reasonable explanation or avenue for resolution, Square has demonstrated a blatant disregard for ethical business practices and consumer rights. I believe that this behavior may constitute an unfair and deceptive trade practice. I kindly request the Consumer Finance Bureau to investigate this matter thoroughly and take appropriate action against Square Inc. to en
sure that they adhere to ethical and legal standards in their business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand immediate and decisive action to rectify the ongoing situation! I have meticulously reviewed my credit report and uncovered a highly erroneous entry lurking within the collections section. I previously dispatched a letter to XXXX XXXX XXXX  XXXX requesting comprehensive validation of the purported debt linked to account # XXXX. An enclosed copy of this letter is provided for your reference. To date, I have not received substantial evidence that unequivocally proves my responsibility for this alleged debt. The documentation sent by them merely displays the balance, but nothing else. I possess no records indicating any debt owed to this company in the stated amount. Given the collection agency 's inability to furnish concrete evidence of my legal obligation to pay this disputed debt, I demand the immediate removal of this entry from my credit report. I require written confirmation of this deletion. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2023-09-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit due on my account {$2300.00} in approximately XX/XX/2023. I requested the credit be applied to my account, sent to me electronically, or by check. I still don't have the credit or check and it is XX/XX/2023. I have spent hours on the phone requesting this check and they have promised it will be mailed and it is not mailed. This company is fraudulent and should be fined.

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 2022-01-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Debt collector has put multiple derogatory entries for same XXXX debt owed. I have sent them proof it was paid and they still wont remove it and continuously put it on my credit multiple times when its the same debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
After resetting my password, temporary passcodes take 8+ hours to arrive. So when I attempt to login to my computer I have to plan my life a day ahead of time. XXXX   XXXX Back refuses to send me these passcodes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft.

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 2022-12-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made purchase in best buy on XX/XX/14. Because they have ads on their page for cradit card apply, will get 10 % cash. 
The original text of the ad isApply today and XXXX % back in rewards on your first day of purchases when you are approved for the My Best Buy Credit Card.

Now I have other credit card in my hand from XXXX XXXX These credit card cash back all can use to pay credit card bill, or transfer to checking account.

So when I saw this, I think the best buy credit card is same way with cash back.And I apply it on sameday. 
Now I have {$150.00} dollar cash back, I want to use it to pay my credit card. But they said these {$150.00} can only use purchase in best buy. 
I believe this already violated my right to know and my right about authority dispose of cash. 
Please help me defend my rights

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Original request sent via CFPB portal on XXXX XXXX XXXX XXXX XXXX XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2022-12-09
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/22 I booked adventure trip to XXXX with XXXX XXXX. They used a XXXX part XXXX XXXX XXXX, I paid via Discover Card XXXX and on XX/XX/22, 3 days prior to departure, XXXX XXXX told us XXXX XXXX didnt pay them, or the travel agents, hotel, food nothing so we could not go on the trip. I immediately filed dispute as did my XXXX traveling friends all XXXX of them won disputes with their credit cards, I am the only one that lost dispute. I submitted the same docs plus additional Discover never told me I lost dispute, I noticed the charge was put back on my card, so I called them, nothing was listed online, they never notified me. They said I lost because I didnt provide sufficient evidence. The merchant XXXX XXXX XXXX provided ZERO documents to Discover yet they won dispute. I asked what is needed for dispute, agent stated " proof refund is due '', I said that is impossible to get, XXXX  XXXX XXXX wont reply to emailed calls or snail mail. But I got a letter stating such from XXXX XXXX, still lost dispute stating insufficient evidence, I asked what is needed again, they would not reply and will not tell me only that dispute closed and I lost dispute. I am the only of XXXX that lost dispute everyone was refunded their travel money. It is like buying a shirt online and if you dont get the shirt, company doesnt exist, you get money back, why wont discover pay me I paid for a trip they didnt provide a trip. They knew they were going out of business at the time they accepted my money. I am exhausted and have been fighting every day for refund since XXXX. Discover is wrong here they are to protect me and my purchases from scammers. I dont file disputes unless I know I am right, I am extremely right here, even Discover agents on the phone tell me they can not believe this loss because XXXX XXXX XXXX did not provide any documentation that they provided any service they submitted XXXX documentation. Dispute Number XXXX. My Discover card has been compromised TWICE since this trip, so I provided the card number that was charged. It is all the same account, mine, just the card numbers have changed twice. Should not pose an issue but I included my dispute number too

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
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:
XXXX : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts 22, Inquiries 15, Credit Utilization 100 % with a credit score of XXXX. 

EQUIFAX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts 6, Inquiries 5, Credit Utilization 68 % with a credit score of XXXX XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts 6, Inquiries 4, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX XXXX  Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX  XXXX and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
PLEASE REMOVE AND DELETE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND INQUIRES FROM MY PROFILE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00}

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 2021-06-09
Company: Square Inc
State: OH
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/XXXX, I initiated a Transfer of Assets from my CasApp account to my XXXX account. The transfer consisted of XXXX shares of XXXX stock. As of XX/XX/XXXX, XXXX had submitted my transfer request to CashApp, and my XXXX account showed a completion date of XX/XX/XXXX. I found this odd as both websites stated that transfers generally take 3-5 business days. I contacted XXXX twice via email chat in the span between XXXX to check on the status. Both times I was assured that everything was fine with my transfer and they were just waiting on CashApp to respond. The shares were not transferred as of XXXX, so I called XXXX to check. Again, I was reassured that everything with my transfer was fine on their end, they were simply waiting on CashApp, who had yet to respond to the request by this time.

I have attempted to contact CashApp several times during this time span as well. I sent emails on XX/XX/XXXX, XXXX, XXXX and XXXX. To date, I have received one response on XXXX, and it was a generic copy/paste email that did not address my concerns directly. I contacted chat support through the app on XXXX, but was told that my question would have to be answered via email. I also received a generic email as a response, stating they'd be in touch with me in the future. I have tried calling their customer service phone number numerous times, but it rings once and then goes to dead air. 

My shares/money have been tied up for a month now. I'm unable to buy/sell/trade with my CashApp as it could cause the transfer to fail, and possibly create additional problems. This is now causing me financial hardship as I can not touch my own money and would like to sell off some of my shares to take a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a email ( one ) stating I was late paying on a capital one credit card. I never applied or used or owned a capital one credit card. I called customer service, lady stated that card was never activated. Assumed it was taken care of. I receive another late email months 4-5 later. I called spoke to a man who stated I dont see any of those notes on this account. I stated I want a hard copy bill or list of transactions on this so I can use my legal services at work to fight this. Never received anything, figured it was taken care of. Now Im trying to get a car loan. I have had perfect XXXX and over credit score that is now down to XXXX because of this capital one card. I have a mortgage thats my debt. I have paid everything car loans, credit cards, student loans on time in full. Why would I let {$2000.00} credit card ruin my credit? Ive disputed on all 3 credit reports. This is absolutely ridiculous. How can this be taken care of? Im a single full time working mother. I dont have time for this.

Company response to consumer: Closed with explanation