BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had made an initial complaint about cash app closing my account and not responding back to my emails. Cash app however replied to the complaint i made through consumer financial protection Bureau. In their ( cash app ) response it stated that ; 1.My cash app account was temporarily suspended 2. That it ( cash app ) held my funds ( {$7400.00} ) pending their investigation 3. That my account is closed after their investigation. 
Cash app however did not state how I am getting my funds that were held before their investigation in their response. Anytime I email cash app I get an email response from an agent called XXXX who is basically telling me that I will not be getting my funds and that I should move on. 
Cash app claims that my account violated their terms and condition. Under Cash app terms and conditions number 9, it state that " Any pending transactions at the time of termination, closure, or suspension of your Account will be settled. Any funds that we are holding in custody for you at the time of termination, suspension, or closure of your Account, less any applicable fees, ( 1 ) may be made available for you to cash out in Squares discretion and subject to the other conditions in these Cash Terms, and ( 2 ) we may require you to link a new bank account that has not been associated with your Account to cash out such funds.. If an investigation is pending at the time of closure, we may hold your funds until resolution of the investigation. '' I understand at this point that my account is closed, I just want to know how I am getting my remaining funds of {$7400.00} unless the company Cash app intends to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the 3 credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/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 2018-02-10
Company: World Acceptance Corporation
State: SC
Product: Credit reporting, credit repair services, 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:
There are multiple accounts that have been repeated with the same account numbers and i have asked several times for account to be removed. Very old accounts also

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original creditor ; The XXXX XXXX XXXX transferred and account to Consumer Adjustment Company. The account was disputed back in 2018 with the original creditor due to identity theft. My Information was stolen during the XXXX  data breach and it was resolved and removed from my credit but now the debt buyer has reported the account on my report. I have not received any proof of debt which includes the original application of such credit card with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Optimum Outcomes, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I collection balance was added to my credit report with failure to notify me of the balance of {$200.00}. When I contacted Optum Outcomes INC, they verified a telephone number of XXXX that I have not had in three years and an address of XXXX XXXX XXXX XXXX XXXX, WI that I have not lived at three years. I insisted on speaking with a collection department supervisor. XXXX ( supervisor ) got on the phone and instantly started to ask for payment. I informed her that I was not aware of the balance and had full medical coverage throughout that time. XXXX did not want to listen to my concerns or issue with the failure to notify, and continued to insist on payment. 

I was not properly made aware of this balance. The medical college billing department confirmed that they had outdated mailing and telephone information. Then they also did confirm that they were receiving returned mail, so I dont know why the collection company said that they were not receiving returned mail. I even called that phone number with the collection rep on the line, and it said right there, it is not a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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: Account information incorrect

Complaint:
My credit card company, XXXX XXXX XXXX, updated my payment status from XX/XX/2017 for my credit card account. It should now reflect that the payment for that month was never late, however, it is showing that this account was late during that time frame on my Transunion and XXXX   reports. I have attached the letter received from XXXX XXXX stating that they have requested that this information be updated.

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 2021-11-04
Company: Experian Information Solutions Inc.
State: DC
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:
ON XX/XX/21 AT APPROXIMATELY XXXX, MY GOOD CREDIT SCORE DECREASED BY 4 POINTS. MY CREDIT REPORT IS FROZEN AND NO ALERT AS TO WHERE OR WHY THIS OCCURRED. I CONTACTED MEMBER SERVICES AT CREDIT COMPANY EXPERIAN, ONLY TO BE TOLD THEY HAD NO CLUE AS TO HOW OR WHY THIS HAPPENED. EXPERIAN ASSURED ME THAT MY ACCOUNT WAS FROZEN AND THERE HAD BEEN NO INQUIRIES ON MY REPORT. I WAS INSTRUCTED TO CALL FICO SCORE DEPARTMENT, WHOM STATED TO GET ANSWERS FROM EXPERIAN. 
I CONTACTED EXPERIAN FOR ANSWERS, ONLY TO BE TOLD MY CREDIT WAS IN GOOD STANDING AND WOULD PLACE A LOCK ON MY REPORT GOING FORWARD. HOWEVER, MY 4 POINT DECREASE HAS NOT BEEN RESOLVED OR IDENTIFIED. I EXPLAINED TO EXPERIAN I WILL ESCALATE THIS GROSS ERROR.

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 2020-09-07
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Collection Agency Name XXXX XXXXXXXX XXXX, Focus Receivables Management Issue Never received any written notices of an attempt to collect a debt or any explanation of my rights. 
Details In XXXX I applied for a mortgage loan. I was advised that there was a collections account in the amount of {$410.00} on my credit report. The credit agency listed was XXXX XXXX XXXX. It stated that it was for XXXX XXXX and it was added in XXXX of 2020. I had never received one letter or phone call regarding this debt, but it was added to my credit report. 
I found that it appeared on my XXXX and XXXX report. In XXXX I filed a dispute regarding this debt. The results came back stating the debt was verified by the collections agency. No additional information was provided, and I never received any calls or letters. The debt remained on my credit report. 
In XXXX I received a collections call. The collections representative stated that this was an attempt to collect a debt for XXXX XXXX. The same debt that has been my credit report since XXXX without one attempt to communicate with me by phone or in writing. I was very upset. I asked them why they lied to XXXX stating they verified a debt they never contacted me about. I also asked them why they were calling me for a debt they already placed on my credit report. The representative stated that she did not see that it was on my report. 
I proceeded to tell her that if they had contacted me, I would have told them that I dont owe anything to XXXX XXXX and I want a full explanation of this debt. She stated that should contact XXXX XXXX and have them reach out to me. I never heard from anyone. No calls and still not one written communication from a collections agency or XXXX XXXX, but the collections account was removed from my XXXX and XXXX report. 
Today, XX/XX/2020 I received a credit alert stating that this exact debt was added to my XXXX report on XX/XX/2020. It was added by a collections agency named Focus Receivables Management and states it was opened on XX/XX/2020. I still have not received one written communication from a collections agency and no explanation of the debt reported. I also have not received any additional calls from anyone except the one where they stated they would have XXXX XXXX contact me and never did. 
My rights have been violated on more than one occasion for the same matter. This should not be allowed and I am sure if youre doing it to me, youre doing it to others during an already trying time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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: Investigation took more than 30 days

Complaint:
Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company many times about this inaccurate debt and they have failed to provide original validation of indebtedness. This is defamation of character and i am very disappointed in this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Cavalry Portfolio Services , LLC to Validate my debt under the FDCP and never received any documentation with my signature on it as Validation as I requested. The collection is still reporting on all 3 bureaus as of XX/XX/2019. All I receive are statements concerning the debt they say I owe of {$3300.00}. The debt was not properly Validated on both attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: WA
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:
XXXX  Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB, Inquired on XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2020-01-26
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have taken Balance Transfer from Discover card at different times. I paid of the amounts as and when nearing the completion of promo expiration. Discover is showing still I owe the money on previous transfers, though the total amount i owe is less than the recent transfer, for which they collected the Initial charges. 
Looks like the payment i am making, they are taking off from the recent transfer and not closing the OLD transfer and charging me high. Not seeing similar issues with other Banks i am dealing with XXXX/XXXX XXXX. SO want to bring it to your notice if ther eis any wrong calculation procedure implemented by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
I had a bank of america credit card and went through some financial hardships during my last year of school in the beginning of 2017XXXX i was starting to establish a great relationship with bank of america by always paying my card on time and have had 13 years of great credit history. i had an account close during that year of financial hardship and sent to collections which i have now taken care of by settling and clearing it with bank of america back in XXXX this year. I want to start building a realtionship with bank of america again.

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 2020-10-16
Company: Experian Information Solutions Inc.
State: IN
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:
I initiated a dispute with Experian for a collection account with a collection agency by the name of XXXX XXXX on XX/XX/2020. The dispute results shown that the account was deleted from my credit report dated XX/XX/2020. After reviewing my credit report on XX/XX/2020 I noticed the account was re-inserted and was not given notice of re-insertion of the unverified, erroneous, inaccurate and/or incomplete information being added back to 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 explanation
Consumer complaint received 2021-02-01
Company: SYNCHRONY FINANCIAL
State: NC
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:
On XX/XX/XXXX my bill for account SYNCB/TJX CO Opened XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

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 2018-02-10
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
One month delay in the payment in 2012 for the minimum of {$25.00} after or before every payment on time mail got missplace on a XXXX card

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 2020-09-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are allowing Opportunity financial to continue to report incorrect information on my credit report. The credit bureaus are not doing a hands on manual human being method of verification. They are  using companies like XXXX XXXX, etc.,. They are using a machine to decide & verify & validate this account. That doesnt take into account what the consumer is disputing. This machine is ruining peoples credit. This is so unfair. I have continuously tried to explain to opportunity financial & the credit bureaus why this balance is incorrect. Neither company will budge or verify. Please follow suit with XXXX XXXX and delete this from my account. By law I have the right to dispute inaccurate info and have it removed. You can see the amount was originally paid down & wage deductions. Thanks for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: AZ
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 sent dispute letters and validation letters but have not gotten any response. This information needs to be corrected or validated and if not deleted and removed promptly.

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 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 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 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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX XXXX ) & XXXX ( XXXX XXXX ) Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Proof of my identity for verification purposes. ( front of ID, and copy of information on vehicle. ) A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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