BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt validation letter XXXX XX/XX/2021 Name : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Company name : I.C. SYSTEM.INC Collection opened : XXXX XXXX Collection amount : {$780.00} RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the alleged debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Best regard 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 2019-06-18
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loans date back to XXXX under the public service loan forgiveness program. XX/XX/XXXX I submitted a request to federal loans to have my loans transferred to them and they confirmed that all of my loans qualify for public service loans forgiveness and took over servicing my loans. I have been paying on my loans since XXXX when I graduated XXXX school and began XXXX. In XX/XX/XXXX after Fed loans told me I qualified for the program, I was told I would received information regarding how many of the payments I have made over these last 7 years qualify towards my 10 years ( 120 loan payments ). I have contacted them about every 3 months since then and still have not received an answer when I was told originally it would only take 1-3 months to calculate this. It has now been 14 months and they still have not given me any information regarding my qualifying payments and continue to brush off my requests to have the qualifying payments calculated. I have resubmitted employer information for the 2 places I have worked that qualify for this program and am still making on-time payments every month. Current principle balance is {$310000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I used the payment processor SquareXXXX to process payments in XXXX of 2020. My account was cancelled and they help about {$17000.00} of my money. I was never given a release date. After multiple emails, they finally said my money was being held for 180 days, which was XXXX XXXX, It is now past XX/XX/XXXX and I can not transfer my money or get a response., There are no disputes pending and it is too late to file disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: MO
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 called Experian on XX/XX/18 to dispute inaccuracies reported by XXXX. Experian said the dispute process takes 30 days. I've been waiting for a decision since XX/XX/18 and I never received a response explaining why Experian is displaying false information on my credit file. Every time I call in to get the decision Experian 's phone reps get mad and hang up in my face. I've been waiting for a dispute decision since XX/XX/18.

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 2019-06-18
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, I enrolled in Automatic payment draft with Macys in  XX/XX/2018 and I subsequently started an office renovation that pretty much required my full presence both physically and mentally at the office. Little did I know that 2 months later this would greatly affect me in my pursue to buy my first home shortly after graduating college. It turns out the automatic payment didnt kick in and my credit score took a great hit. I subsequently called the company in questions ( Macys ) and they told me there was no indication that the auto payment was ever set up, I called a second time and they told me there was a recording of me setting automatic payment a few months before but they still couldnt inform the credit bureau of this so it could be removed. I have always been a Macys loyal customer and have never allowed my account to go past 30, I have earned my self a platinum status and do not think its fair this is going on with me as I am having a hard time being approved for a house loan. If it wasnt for this my credit score would be near XXXX because I always have automatic payment set up and consequently pay on time. I hope this letter can help me remove this from my credit score. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2019-06-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In a matter of 3 months XX/XX/XXXX - XX/XX/XXXX Synchrony Bank who handles the following stores credit cards and that I shop at closed my credit cards of the following stores : Old Navy Stein Mart TJ Maxx / XXXX/ XXXX credit card JC Penny Walmart XXXX Based on the credit history they obtained from XXXX XXXX . 

I was rapidly getting the letters of which I have attached. 

The above cards I would only charge around {$200.00} as an average and pay them off with monthly payments. JC Penny I hardly used but in the past charged a large amount but always paid it off in time. The same with Stein Mart and TJ Maxx. 

Closing these account lowered my credit score considerably and at a vulnerable time when I was out of a job but now employed I had a hard time catching up but somehow I managed. Also because at the time of my closing of my townhome the Title company did not incorporate the correct yearly taxes for the home thus increasing my mortgage for one year considerably which was not in the budget. 

I even had a credit card with Synchrony Bank which financed my Air conditioner in XX/XX/XXXX so I do not understand why they started closing other accounts when I was on time with paying their credit card. All the closing of the above accounts lowered my score by 40 points They have considerably ruined my credit for no reason at all. The only balance that I had which was very little was TJ Max and Walmart. The other credits cards when they closed had no balances at all.

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 2020-03-23
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2020 I uploaded {$1200.00} to my cash up through my debit card. I was new to this type of service I was just testing it out. I attempted to make a withdrawal to my bank account that was linked and I could not it said my account was locked for suspicious activity. It told me their contact support which you can only do through email and said it would get back to me within 24 hours. I still have not received any emails back my account is still locked and when I click on contact support now and tells me that there is an error occurred it will not let me send emails now to them they will not let me access my funds in any way whatsoever or communicate with me I need my money this is a cash app account the debit card and bank account both linked to my cash out account or the same account at XXXX. My cash app handle $ XXXX. My name is XXXX XXXX. My phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
I contacted Capital One 360 to have them reverse a XXXX payment from a merchant who did not provide me with the service that I was told to transfer money for. I contacted XXXX and because the merchant had me send money they told me to contact my bank to reverse the charge. Capital One denied my claim saying it was authorized. I never said it was not authorized, I said I paid for a service that I never received!!! They usually ask you questions to clarify what happened between the merchant and myself and they did not ask those questions to properly investigate. They did not even investigate my claim for what the actual issue was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the process of trying to get a Home Mortgage and during the process my loan officer reached out to me and advised they were able to get my credit report on XXXX  and XXXX  but unable to obtain the information from Equifax. I have reached out to Equifax  since Monday, XX/XX/XXXX and have had the worst experience in my life. I was told from the first call that they could not access my information that I would need to fax or mail my drivers license and social security card which I did immediately. I then contacted my loan officer back and he advised me to call Equifax back and ask for a temporary lift so loan officer can process my paperwork. Well we are now at Thursday, XX/XX/XXXX and I have called Equifax 10 times and was hung up on 4 different occasions with no acknowledgement from the company that they were terminating the call. I also asked to  speak with a Supervisor of which representative XXXX agent ID XXXX refused. I asked for the Supervisors name and agent ID and she advised Supervisor would not give me that information. EQUIFAX is now impacting me on having a place to live as I have to move out of the place I am currently living at. They have told me many different stories depending on whom you speak with. One representative tells you 24 hours to process request and now I am being told 7-10 days.  How can they impact a consumer like this and say what they just about want to? How can I trust this company who is in control of my credit history and my ability to obtain a loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have, through my employer, an HSA account with Bank of America. Today, when I went to pay for my wife 's prescription XXXX medication, my HSA card did not work. After a fair amount of going in circles, I got through to a representative at around XXXX XXXX., who told me that a. ) my account was frozen for potential 'fraud ', b. ) the bank had reached out through its automated process ( which it had not, but more on that later ), and c. ) this could not be fixed for 1-3 business days. When I pointed out that this made purchasing this medication ( just under {$500.00} ) unfeasible, as I did not have that much cash lying around, I was promised an escalation, put on hold, and was told that I'd have the account unfrozen within two hours, after which I would received a call. 

Four hours later, I called again, and was told the card was still frozen, but that the representative on the phone was unlocking it. I raced to the pharmacy so that I could acquire the necessary medications, and was told once again, at the pharmacy, that the card was declined. I got back on the phone for the third time with Bank of America, who pushed the former " two hours '' into " two business days '' and were exceedingly unhelpful in giving me access to my own money. 

At the end, I had to use a credit card with very high interest rates ( which, of course, they are not reimbursing, nor are they reimbursing my or my wife 's lost time at work and lost wages ), that I also had through Bank of America. At that point, I got the automated text alert, which I confirmed. Given that I did not receive that automated text alert for the previous transaction, my belief in Bank of America is gone. 

At this point, I would like Bank of America to update their policies so that this does not repeat.

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is insane. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$3400.00}

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 explanation
Consumer complaint received 2020-06-07
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is an account that appears on my credit that I believe is a result of identity theft because it is not mine. I have filed a police report and a report at Identitytheft.gov. Both have been sent to the credit bureau and they refuse to delete the information from my report. They have ignored my numerous letters and calls dating back to XX/XX/2019. I'm assuming maybe because they see that I'm a XXXX XXXX from my proof of identity documents that they feel they can just ignore me. I've gone through all the proper protocol and they continue to ignore me, which is resulting in me not being able to purchase another car for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is currently reporting a collection account to my XXXX   credit file. There are two problems with this, they are first violating my privacy reporting this collection account is a HIPPA violation and secondly I live in Tennessee. Tennessee requires all collection agencies to be licensed and bonded. Franklin Collection is no longer licensed in Tennessee therefore they are unable to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: AL
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:
Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
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: Information belongs to someone else

Complaint:
Trans Union and XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 is currently reporting a negative account XXXX XXXX XXXX. I have disputed this account three times. I have asked for validation of this debt and verification of the steps used to verify and validate this debt. Transunion has failed to provide me with this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: HI
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:
I have disputed the late payments on this XXXX   XXXX  account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
TransUnion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested TransUnion to provide the method of accuracy & verification used by TransUnion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and TransUnion remains non-compliance till date. Third, Mr. XXXX   requested TransUnion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX. Hence, TransUnion again went silent.

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