BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.

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 2022-01-28
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Follow up to XXXX : The Servicer appears to be in violation of XXXX XXXX as the annual escrow analysis offered an option for a lump sum payment as one method of curing the deficiency in the escrow account. See the CFPB Supervisory Highlights XXXX of XX/XX/2020 regarding mortgage servicing. Attached you will find a picture of my statement.

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 2022-12-21
Company: TRUIST FINANCIAL CORPORATION
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:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Sheffield Financial Co-installment loan-acct # 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 2022-01-28
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022 A fraudulent identity theft was reported

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 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received a letter in the mail from Bank of America in XXXX, AZ XXXX stating that I attempted to open and account in XXXX, AZ and I was unable to get my funds transferred. I live in XXXX, TX and was unaware of this type of activity. This activity was conducted XX/XX/2022. On the letter it tells me to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX. I contacted a representative from this number XX/XX/2022 at approx. XXXX. The representative stated that they are a consumer report and handle reports of fraud. I informed the representative that I did not attempt to open up an account with Bank of America. The representative informed me that I can give her my information for contact the credit bureau. At the bottom of this letter is the bank information. 
Bank XXXXenter Name : XXXX XXXX Name : Sales Fulfillment Associates Phone Number : XXXX I contacted this number and a representative answered and stated that she was a rep for Bank of America. I informed her that I did not open up an account with Bank of America in XXXX, AZ. She claimed that they notice it was fraud and stopped the transaction from occurring. She then gave me a number to call to report fraud XXXX ( XXXX ) XXXX. She stated this was XXXX and I need to report this to them.

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 monetary relief
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 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 agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX. I logged into My Cash App. I havent used it in a while, but I was going to pay someone back for some tickets I had received. I thought I was to send payment to $ XXXX, so I entered XXXX, pay, and $ XXXX user name came up in the choices when I typed in just a few letters. I have not paid this user before, and it did not occur to me that it wasnt him. After I submitted the payment, a few minutes later, I received an email to the address associated with my account, which stated : $ XXXX had collected his payment. 
I assumed all was well. The next day, I hear that I was supposed to have paid $ XXXX. I promptly tried to contact the incorrect person who stole my money. This person had to actually select an option to pull the money that was not theirs, into their account. This constitutes fraud. To knowingly take money that is not yours. 

The party I was supposed to have paid alerted me that they didnt receive the payment. I then realized the mistake, and paid the correct party. He had mentioned I just needed to contact Cash App and they can cancel the incorrect payment. First, I tried to submit a request to $ XXXX to send my money back, with a note saying I had sent it in error. I received a notification of declined from this stranger. I went to request the payment again, and they have blocked me. 
On XX/XX/XXXX, I reached out via email to Cash Apps support listed on the internet. Here is the string of emails we sent back and forth. It is beyond my understanding why Cash Apps would not help me get this money back. If the party that stole it, did so in error, they deserved to be helped, if they did it on purpose and knew all they had to do to get rid of me, was to block me, then that is wrong too! 
I know XXXX from Cash Apps customer service, was just telling me what he thought he had to. I honestly believe that Cash Apps owes it to their customers ( me ) to at least reach out to the incorrect party and request that they return the money that they applied to their account in error. 
I contacted my own bank where the funds were drawn from to pay CASH APPS ; and they said I had to contact the 3rd party vendor, which is CASH APPS/Square. I was given a XXXX prefixed number ( XXXX ) that took me in a phone tree loop, and I was not able to speak to anyone at that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: BB&T CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I just received another can letter from XXXX and Equifax stating that they already verified the account listed below. But they never sent me any verification on this matter. 
This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
Chapter XXXX Bankruptcy Case Number : XXXX This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: RentDebt Automated Collections, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I provided a copy of a motorized affidavit regarding identity theft to Rent Debt Automated Collections as per their letter. I have circled in yellow what they asked me to which was to provide ONE of the described items which I did. Please see attached letter from Rent Debt circled in this complaint. Also you will find a copy of Rent Debts response to the CFPB saying I provided an incomplete identity theft package. This is a lie. If you read their letter I complied with the request. Rent Debt is frequently sued for unlawful debt collections. This is an identity theft case snd I provided an original notarized affidavit at their request on their letter. I am also providing a copy of one of a series of letters sent to them disputing this debt. I am also attaching an identity theft case number filed with FTC.gov regarding identity theft. I am not providing my social security card or my license to a debt collector. This is not my item and I complied with the letter sent to me by Rent Debt as you can see by the cut led part of their letter. They misrepresented their response to the CFPB. This is identity theft snd thus must be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information 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
Consumer complaint received 2022-01-28
Company: Conduent Incorporated
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Ever since XXXX of 2020 I have had numerous of unauthorized inquiries and adjustments made to my account. Ilegal ACH transfers, transactions, and overcharging from some merchants. I have tried to discuss this with the fraud department and with customer service. Unfortunately ; the investigation report was stolen from USPS postal system. And I have been disconnected almost every time I call customer service. If I get through to them they lock me out of my online banking database so that I can not view my files while receiving help from their company. Since 2020 I have lost up to XXXX from this scam. Just recently I had another {$1000.00} dollars take from my initial XXXX disbursement and several unthinkable transactions/ACH transfers withdrawn from my account. Im interested in seeking legal counsel if the financial state isn't resolved by their providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company claims to have purchased a debt in my name for something I have no knowledge of. When I asked for proof of debt they said they sent it to me, I have not received any information on the said debt. They keep calling me ( XXXX times yesterday and XXXX  times today alone and it's not even noon yet ) and my family members, threatening to have me arrested for fraud, having my bank account frozen, and telling me at least once that they will make it so I can't get any credit for anything, telling me their getting the attorney general and local authorities involved if I do not agree to pay.I am a XXXX Veteran with XXXX, my credit has been compromised XXXX  times last year XXXX and XXXX  the previous year XXXX.I 've asked them to desist in calling me and to no avail. They have harassed my family members including my XXXX year old mother myself and my wife, my x wife, my daughter with jail time if they don't comply with their hideous and outrageous demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing today to file a formal complaint against Equifax, there are several items that have reappeared on my credit report AFTER being successfully deleted/removed after I disputed the items 2. XXXX ( XXXX XXXX XXXX was deleted/removed from my Equifax Credit report approx XX/XX/2023 and has reappeared to my credit report WITHOUT me being notified. 3. XXXX XXXX XXXX was deleted/removed from my Equifax credit report approx XX/XX/2023 has reappeared to my Equifax credit report WITHOUT me being notified within 5 days in writing. Per FAIR CREDIT REPORTING 1681i - ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the coronavirus. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.

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 2020-01-08
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: Experian Information Solutions 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:
This communication is in response to Complaint ID : XXXX with XXXX XXXX. I have received correspondence that XXXX XXXX and they didn't receive any verbal nor written agreement from the original creditor in order to validate the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report.

This is a clear violation of my rights under the Consumer File Rights, Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act. If they aren't able to validate the debt, then they need to remove the item from my credit.

As a matter of fact, I see another company on my XXXX  credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution. 

This item doesn't have enough support to validate being mine, let along negatively impacting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I run an mobile clothing business and I used square as my merchant. On XX/XX/23 I had an customer place multiple orders totaling out to {$800.00}. The money was not available in my account but Ive processed multiple payments so I thought nothing of it. Hours later I get an email stating my account is under review and I need to provide documentation. Ok no big deal, provide the docs and then I waited for an response. Didnt receive one by the next day, so I called customer support and was told that all my documents and answers except one had been verified. The customer service representative told me call back at XXXX and it should be cleared. A couple hours later I received an email stating that my account is being closed. I immediately called customer support back and was told that they decided to close my account, but couldnt disclose the reasoning because its an program who runs the information and decides. I believe it was done in error because I havent broken the terms and conditions and there is nothing fraudulent going on. I talked to the customer to make sure it wasnt a chargeback or anything and the customer sent me screenshot of the money leaving his account. So square definitely has the money and are telling me they cant release it until XX/XX/XXXX. As a XXXX  XXXX  and a XXXX  XXXX  XXXX  this wait time is unbelievable. My square account has never had a chargeback, a fraudulent payment, has had transfers in and out multiple times. I dont understand how or why it was closed, and how they can hold legitimate money for three months. I also was told by a representative that I could refund the money back to customer and accept a different method, but the customer already has the items. That isnt financially safe for me.

Company response to consumer: Closed with explanation