BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The client XXXX XXXX XXXX and debt collector Wakefield & Associates reported medical debt to all three bureaus. It was an emergency room visit out of state that shouldve been covered by NY XXXX. I never received a bill for this. My attempt to dispute failed. I contacted Wakefield and told the representative I had insurance on the date of service - XX/XX/17 and he was concerned about collecting the debt. We settled for {$850.00} out of the full balance because we thought this was our only option to get it off my report. They first reported that we still owed {$490.00} which brought my score down but it was eventually deleted. I even emailed this company with no reply. I recently found that NY XXXX did pay them {$66.00} and according to the XXXX   representive it was very illegal for them to charge me when I had XXXX. It shouldnt of went on my credit report to begin with. Now we have to seek legal action. Ill attach the Explanation of Benefits from XXXX and HIPAA letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion refuses to properly investigate item on my credit report. Other 2 agencies found it not to be mine ; all TU will do is send me a generic postcard with how they investigate ; they send no proof ( because there isn't any ) ; they are violating my rights and NEED TO BE FINED {$1000.00}. This has gone on for MONTHS. Acct : The First, XXXX # XXXX ; XXXX XXXX XXXX, XXXX MS XXXX. States payment of XXXX/mo resulting in chargeoff XX/XX/2020. This is not my acct. Only TU states it IS my acct. Yet they furnish NO PROOF. I have followed the process, certified mail, etc., they only send back a preprinted generic postcard. THIS VIOLATES FCRA. 

I have contacted them so many times. They make it as hard as possible, for example, shutting down all FAX communications, very hard to reach them by phone. I do have ALL my certified mail receipts and copies of all correspondence. 

WHAT THEY ARE DOING IS FRAUDULENT, claiming they investigated when they did not.

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX/XXXX  incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted XXXX XXXX and all three credit bureaus ( TransUnion, XXXX, and XXXX ) multiple times during the past month - XXXX XXXX  has been extremely difficult to deal with. 

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with XXXX XXXX  and the collection agency to confirm that there was no outstanding balance associated with my XXXX XXXX/XXXX  account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But XXXX XXXX  is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the XXXX XXXX department that handles disputes. I did both, and XXXX  a letter with supporting document to XXXX XXXX  on XX/XX/XXXX. The XXXX  tracking number shows that XXXX XXXX  received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in XXXX XXXX was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A XXXX XXXX  representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that XXXX XXXX  used. 

XXXX  XXXX/XXXX  is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.

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 2019-07-05
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: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX XXXX with the credit bureaus as inaccurate but it came back verified. Under the laws and UCC 9.506 as well as state RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I demanded proof that the repossession of the subject vehicle and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. IF no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void

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 2021-05-18
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app is forcing its users to pay with digital wallet by not sending debit cards as they said they would. Even goes to extremes to display a card has been delivered as per its status. After user grants permission to use XXXX XXXX, cash app will then commence a duplicate transaction using an icon similar or exact to the original merchants. When you choose to dispute they will then tell users to take it up with the merchant, or email them, never insisting or suggestion to open a claim as the real appropriate method in these situations. After reminding them the balance on cash app can never be negative and threatening to defund the account, they reversed the transactions and returned the funds. They did this subsequently for two charges and reversed each one within 5 minutes of each other after saying the exact same thing. This calls for a class action lawsuit for many people this has happened to and left much confusion dating back to cases over a year ago suggesting this scam is STILL ONGOING. This is obscure and must be stopped! Cash app must be put out of business, and publicly revealed, as the government bankrupts these scammers out of commission! 




The two transactions I will reference are from XX/XX/2021, XX/XX/2021, XX/XX/2021 The name of the correct merchant would be XXXX not XXXX - cash app has used a disguised name to avoid infringement. Meanwhile neither XXXX or XXXX had any record of the repeated charged transaction because Ive never had a subscription. 


The relation between the two are that they are both being done via digital wallet, XXXX XXXX, not using the card directly. I have zero access to my card because cash app hasnt sent me one for over a month. That makes room for them to forge transactions and app icons. I have support and references from external websites complaining about the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. I want an answer 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 2017-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
THIS CONSUMER FINANCIAL PROTECTION BUREAU ( " CFPB '' ) COMPLAINT ( S ) IS ( ARE ) RELATED TO MY PREVIOUSLY FILED CFPB COMPLAINT ( S ) AGAINST YOUR SO-CALLED, XXXX CREDIT REPORTING AGENCY/CORPORATION THAT IS ( ARE ) DOCKETED AT XXXX, ET. AL. I HAD THIS BANK OF AMERICA ( " BOA '' ) CREDIT CARD SINCE THE YEAR OF XXXX, AND I HAD NEVER EVER BEEN LATE WITH A PAYMENT, AND/OR EVEN EVER MISSED A PAYMENT, AND ETCETERAXXXX IT WAS NOT UNTIL NEGATIVE CREDIT INFORMATION PURPORTEDLY APPEARED ON MY SO-CALLED, XXXX CREDIT REPORT WAS WHEN YOUR SO-CALLED BANK OF AMERICA HAD DECIDED TO TOTALLY ILLEGALLY AND TOTALLY UNLAWFULLY AND TOTALLY FRAUDULENTLY AND TOTALLY WRONGFULLY, AND ETCETERA,  CLOSED MY BOA CREDIT CARD ACCOUNT WITH ITS HIGH CREDIT LIMIT. YOUR BOA HAD ALSO TOTALLY ILLEGALLY AND TOTALLY UNLAWFULLY AND TOTALLY FRAUDULENTLY AND TOTALLY WRONGFULLY, AND ETCETERA, LISTED MY MINOR DAUGHTER, " XXXX '', AS A CO-OWNER/CO-BORROWER OF MY BANK OF AMERICA CREDIT CARD ACCOUNT ( S ). EVEN AFTER I HAD REPEATEDLY STATED TO YOUR BOA, THAT MY DAUGHTER, " XXXX '', WAS MINOR, THEREFORE, COULD NOT BE LEGALLY RESPONSIBLE AND/OR LEGALLY ASSOCIATED WITH ANY CONSUMER CREDIT CARD ACCOUNTS, ET. AL. I HAD ALSO STATED TO YOUR SO-CALLED, BOA, THAT THERE WAS/IS ONLY ONE PERSON/INDIVIDUAL THAT WAS/IS EVER ASSOCIATED WITH SAID BOA CREDIT CARD ACCOUNT, WHICH WAS/IS, ME, XXXX XXXX XXXX XXXX!!!!!!!!.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION XXXX ( a ) a failure to investigate these items within XXXX days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX. I have written several letters to XXXX XXXX to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I went on credit report XXXX on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate 100 percent.Having incorrect information could hurt my chances of home ownership in the upcoming future.

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 2019-07-05
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Equifax failed to verify the accuracy reporting on the account XXXX XXXX  XXXX. ..The accounts is current, paid on time..Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received documents and a welcoming letter from USAA about opening a checking account. However, I never did nor authorized such an action. The account number is XXXX and appears to have been opened earlier in XX/XX/XXXX. I spoke with the bank staff including XXXX and XX/XX/XXXX, both customer service support who did confirm that this account was opened in my name, had my correct SSN and address but a different email address. They confirmed that a debit card was issued and an initial deposit made into the account, again, with no knowledge on my part. They also confirmed that the debit card was stopped by their fraud department but the account is open but on a hold as of XX/XX/XXXX. I requested several things be done immediately but they could only promise that I would be a call within 3 business days. I requested the following : The account be closed immediately with all funds redirected to their fraud account My name and all other information be removed from this account. 
Issue a letter by end of day XX/XX/XXXX confirming that all was accomplished. 

I inquired how a bank account could be opened without any credit check or other validation done by the bank. I have my credit reports frozen on all three credit agencies due to possible breech of my personal data. They could not answer that question and I am concerned for all their clients that no validation is done before an account is open. 

I believe this to be a scam attempt, opening a checking account with minimum deposit and then issuing fraud checks against insufficent funds. My concern is that this activity and/or closing of the account by the bank will be reported to the agencies and appear on my records, thus damaging my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After decades with Bank of America, our accounts were closed without warning and without reason. We found out that our credit cards were cancelled when we attempted to use them at the store. They left us scrambling to set up a checking account to make sure we could make payroll and keep our creditors paid. Having no explanation for closing the account is bad enough, but the lack of warning just seems cruel, at best, to do to a non-profit school.

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 2022-04-05
Company: EQUIFAX, INC.
State: NC
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 multiple companies between XXXX XXXX XXXX have violated my rights. 

25 U.SC 2681 section 602 A states I have the right to privacy.

15 U.SC 2682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Transcontinental Credit & Collection Corp
State: MO
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: Billing dispute for services

Complaint:
XXXX is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: MS
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 have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX XXXX, and Experian. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.

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 2021-05-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select portfolios serving telling me there are no more mortgage assistance programs for my loan all their wanting to d look is for me to walk away from my home and let them sell my house I have kids with me and my wife

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Chase Bank on XX/XX/2022 at or around XXXX. I entered the main lobby area and walked toward the teller station. I was confronted by a Chase employee who asked what I wanted. He purposely positioned himself to block me from the teller station. I told him that I would like to pay an overdraft fee. He told me that I could not. He did not even offer me an opportunity to wait to be helped. I then was confronted by a second Chase branch employee. He said his name is XXXX. He said that I could not be helped. He never offered me the opportunity to wait for help. He never offered anything remotely close to appropriate, reasonably expected basic customer service ; neither of them did. I believe they discriminated against me on the basis of race and prejudice. This was the second time I have been denied service at this bank. I went to the bank about XXXX months earlier and was also denied service. 

The bank branch where this occurred is located at XXXX XXXX XXXX, XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX Transunion, and XXXX No one has yet to validate this debt! 

Also, I have requested for XXXX to remove hard inquiries from my XXXX XXXX that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.

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