BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: Southwest Credit Systems, L.P.
State: PA
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:
My name is XXXX and I am reaching out with hopes of receiving resolution to matters concerning Southwest Credit Systems with the original creditor being XXXX XXXX. I have been attempting to improve my credit with the assistance of a family member who wrote and mailed a check out to settle my debt. A few weeks back after being denied an auto-draft loan by my bank & being told Southwest debt was a matter that needed to be paid and proof of the settled debt which was on my credit report needed to be provided as support. I reached out by telephone on or about XXXX or XXXX. I inquired about the amount owed and what I saw on my report that needed to be settled & informed them that a family member would be paying the full amount requested. I was asked if the individual could pay by credit card and I said I am thankful to receive and remedy this matter but I would not or could not tell my family in what form of payment to use. I was grateful for the offer. I was provided with a ref # for the matter XXXX and provided with a mailing address of Southwest Credit Systems XXXX XXXX XXXX XXXX, Texas XXXX. My family immediately mailed a check out in the amount of {$520.00}. Southwest was informed of what was mailed out and I was instructed to check back in a week and I also inquired about when I would be receiving a paid off letter. I was asked for my personal not work email and was told my zip code would be my password to access the paid off notice. I have been reaching out requesting and reaching out only to be told the check was not received. It was mailed from XXXX going to XXXX, Texas & not by pony express. I resolved another matter like this around the same timeframe and the payment went to California, was received & processed. I have been asked by my family member to produce a letter stating my debt is {$0.00} and have not been able to do so. I was told to keep checking. I have been seemingly been getting the run around. I've spoken to several individuals to no avail. One name I remember was XXXX XXXX, & now today XXXX I was told by a manager that the account was taken back by the original creditor ( XXXX ), which made no sense at all to me because I contacted XXXX before reaching out to Southwest and was instructed to call Southwest. The manager without any care or concern in her voice was useless!. I know I am spelling that XXXX  name incorrectly but the managers name was XXXX. I can be reached at ( XXXX ) XXXX Thank you in advance for any assistance that you can provide with this matter. I asked what happens to the check my family mailed out that they are alleging they did not receive? Also, what happens to Southwest Credit Systems sitting on my Credit report? Should I retain counsel regarding these concerns? 

Thank you in advance for your assistance with this matter. 

KE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: MI
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 have disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/XXXX. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$330.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21 I've sent {$1000.00} from my Bank of America Account to XXXX ( so they could forward the money to XXXX ). 
The " receiving bank '' for XXXX  XXXX was XXXX XXXX. 

Since then, I've never seen my money again. Bank of America has shared confirmation numbers for the transfer and has informed they tried to recall the payment but they couldn't get in touch with XXXX or the receiving bank. Bofa tells me I need to reach out to XXXX. 

I've provided all the available information to XXXX but they say they have never received the money - and that I need to sort this out with Bofa. 

This has been a nightmare, {$1000.00} is making a huge difference to us in XXXX and we feel unsupported by the two institutions involved in the transaction.

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 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
i am trying to get a house and all three credit agencies are report three different things. I initially on dispute on agency now I would likke transunion to show the same information as the other three as all should be the same.

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 2020-09-02
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
For several months I have been in constant contact with new servicer - Gregory Funding LLC ( further - GF ) based in Oregon regarding modification application started with previous servicer - XXXX  XXXX XXXX ( XXXX  ). GF stalled my application by asking to resubmit documents which the firm already had from me and XXXX. Most recently, in XXXX of this year, based on suggestion of GF representative, I submitted a written request to consider my offer due to several conditions worsening the current situation including coronavirus. On XX/XX/XXXX, GF 's representative XXXX informed me that my letter had been registered and because they considered it a qualified written request, they would provide a written response within 30 business days. I called several times since to follow up but got the same response each time : " your request is under review '' by " investor '' or a special department. My last call was on XX/XX/XXXX, when rep XXXX again informed me that " it is being discussed with investor '' and " it is still under review ''. I asked her to make a note of the fact that it has been longer than 2 months and this violates my consumer rights and I will complain to Federal government about this violations. I also suspect dual tracking violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS COLLECTIONS trying to collect {$130.00} which i don't owe to them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. XXXX, XXXX, and Trans Union still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.

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 2020-05-17
Company: Navient Solutions, LLC.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX-XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America began deducting $ XXXXmonth fees from my checking account. When I opened the account, I was told there would be no fees. That was the only reason I opened the account. Then they changed policies, did not notify me, and began deducting fees on the account. The account was inactive and the fees took all of the money in the account. 

On XX/XX/2019 I called Bank of America and an employee told me I would get all of my money back, but I had to go to the bank to close my account in person. I was told this was noted on my account and given a " trace code ''. I went to the bank, but in contradiction with the bank employee on the phone, they told me I needed to call another number to get my money back. I did this, and then they told me I would not get my money back. So the bank ended up taking all of the money in the account that they told me would be free to open.

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 2018-09-24
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed a requested debt validation letter to a company called Diversified consultants. I received a letter back showing a statement only, from the original creditor with no signatures or copies of information I requested on XX/XX/2018. I resent another debt validation letter with a ( POA ) on XX/XX/2018 email. A certified letter was also sent and received by their office on XX/XX/2018. Diversified Consultants have failed to validate the debt as requested with the information we originally requested from the first letter on through the third letter. I have tracking number and emails to prove my complaint. In Texas you can request a validation of debt within 5 days if finding a mistake from our original validation request. Diversified Consultant has failed to re-send our requested validation of debt in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am writing to you about a classic case of " bait and switch ''. 

I am an American Express Centurion ( black card ) member and for this privilege I pay an annual fee of {$5000.00} - the fee is just for the card. I have been an American Express " member '' since 1983. As part of the promotion to induce me to buy this card, American Express guarantees a certain standard of service. American Express is currently not providing that level of service - but is also NOT providing a partial refund of that fee. American Express sent me 3 letters concerning disputes. None of the letters describe the disputes - they have only a dispute number on them ( see attached ), which requires me to call them to understand the letters. When I called today I was on hold for 25 minutes and finally spoke to a supervisor. The supervisor told me she could not tell to which disputes the letters referred and she could not help me. She told me to call back on Monday. Disputes are governed by strict timeframes. If those timeframes are affected by an inability to contact the card company, then the dispute process is compromised. One of the reasons I was allured to this card is that it allows me to interact with American Express at weekends - I work on Mondays. I understand if, in the current environment, American Express can not fulfill its service promises. But in that case it has an obligation to reduce the fee that is paid for that service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In 2017 I opened credit cards and used them to pay on a student loans. Shortly after I was let go from my place of employment because other employees said they didn't want me in the building with them and a mother complained I wasn't hugging her son enough during drop off. 

Because of the loss of work I was unable to make any payments on student loans, car loans and housing. 

Where my credit history shows I was making on time payments. 

It is now over 7 years sense I took on this debt to further my education a direct violation of The Individuals with Disabilities Education Act ( IDEA ) is a law that makes available a free appropriate public education to eligible children with disabilities throughout the nation and ensures special education and related services to those children. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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: Investigation took more than 30 days

Complaint:
I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. XXXX, Equifax, and XXXX XXXX still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
XXXX XXXX VIN # XXXX This vehicle was repossessed by XXXX XXXX and resold on or about XX/XX/2015. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be 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. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: OH
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 was reviewing my credit report and noticed it contained a lot of errors pertaining to my Personal Information. I am requesting that you promptly update and delete the following unknown accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. For the record I have lived in the same residence for over 3 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is inaccurate. I am requesting the verification of the metioned accounts above, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Information belongs to someone else

Complaint:
I have fraudulent inquiries on my credit report. These inquiries have hurt my credit trmemdously, also causinf me a lot of XXXX XXXX. Please investigate why these fraudulent accounts are popping on my credit profile. There's one from XXXX XXXX that dropped my score a lot. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: SC
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:
ID FOR COMPLAINT SENT TO EQUIFAX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I have moved money ($XXXX) from my cash app account to my linked bank account. Since I used cash app's instant deposit I paid the fee ($XXXX) so I only received XXXX, which was fine. Two weeks later on XX/XX/2019 XXXX was removed from my linked bank account by cash app without my knowledge or authorization. XXXX of my money was now missing. It was taken out of my linked bank account and was not returned or found in my cash app account. I got in touch with cash app support to report the issue in hopes to get my money back. I have been transferred to numerous amounts of people who did not understand this issue and kept telling me that the money was successfully put into my account on XXXX XXXX disregarding the problem that the money was taken out of my account two weeks later and I no longer have my money. When I emailed cash app support that understood my situation, instead of helping me they kept telling me to go to my bank. They told me that I had to dispute the transaction with my bank. I kept going to my bank and they told me they could not help me because cash app removed the money. Finally, my bank disputed the transaction in hopes cash app would help me. The bank followed through with the investigation and confirmed that cash app has rejected the payment of XXXX on XXXX XXXX and reversed the payment on XXXX XXXX. However, I never got my money back in cash app. When I informed a cash app support member of the situation they asked for screenshots and continued to tell me that the money was put into my account on XXXX XXXX disregarding once again the real issue. When I spoke to someone else they informed me that cash app has no record of this amount being taken out of my account on XXXX XXXX and they continue to tell me to speak to my bank. If my bank was able to figure out that cash app rejected and returned my money, then cash app has that information too and is unwilling to give me my money back. This has been going on for the past three months. I have attached the string of emails from cash app and myself, I also provided the information from my bank, and the screenshot from my statement showing on XXXX XXXX cash app took XXXX   out of my account. Please review all of the attachments.

Company response to consumer: Closed with explanation