BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: Square Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been trying to process a charge back for a fraudulent {$730.00} charge on my Cash App debit card. Cash App refuses to help in anyway and has repeatedly sent the exact same email instructing me to contact the merchant and claiming that they can not process a charge back outside 60 days. By the time I contacted Cash App, it had been 70 days. I can not afford to lose {$700.00}. I recently lost my job and this seems incredibly negligent, especially in light of some of their other predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
No deposits have been made since XX/XX/2020. I cant log in, says my log in information is not correct. I know its not. My daughter had and still has the exact same problem and her card has never been loaded and she has been waiting seven months. Iowa workforce development has passed the buck to you. In essence I can not access my account in anyway or change passwords or do anything I am completely locked out and my card has not been loaded for nearly a month.

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 2019-11-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID

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 2018-07-10
Company: Early Warning Services, LLC
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I want early warning system to stop reporting inactive stuff on my report and it is so in fair to me the way they reporting my info from XXXX XXXXXXXX XXXX and I want them to remove everything from XXXX XXXX XXXXXXXX I don't owe them any thing and my account is not fraud and they need to take that off my early warning system.Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a member of the XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX, at present ). I opened a Chase XXXX credit card account while I was a cadet ( not XXXX XXXX ; not an XXXX or enlisted ; this is XX/XX/XXXX XXXX at the XXXX XXXX XXXX XXXX. After I graduated and commissioned as an XXXX and became XXXX XXXX I requested SCRA ( Servicemembers ' Civil Relief Act ) benefits be applied to my account, namely the ceiling on interest rate charged. I started this process in XXXX through the Chase online and phone systems to no avail. After getting help from some XXXX XXXX lawyers, I subsequently sent a formal package and request via certified mail with all requested proof in XX/XX/XXXX. My request was still denied. The reason given for denial is that Chase is claiming I was XXXX XXXX while a cadet/student at the XXXX XXXX XXXX. The SCRA report shows " XXXX XXXX XXXX '' from XXXX to XXXX and then " XXXX XXXX XXXX XXXX '' from XXXX forward. 

I did not commission into full XXXX XXXX as a XXXX XXXX until graduation from the XXXX XXXX XXXX after I had opened my credit card account with Chase. The XXXX XXXX XXXX I presented this situation to concurred with me and recommended that I try sending a formal package to Chase and then submit complaints to the various consumer protection bureaus if that didn't work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX credit has been calling me several times a day about a small medical debt I never received a bill for. I believe the debt is legitimate, but as I do not have a copy of the bill, I asked the gentleman to email me one. He refused. I informed the caller that I work on the road and need all paperwork emailed to me. 

I then spent over an hour and called 6 different lines trying to track this debt down and obtain a bill, with no luck. I called the original emergency room first, who failed to contact me about this issue before sending it on. They were unable to provide a bill, and referred me to XXXX XXXX XXXX XXXX XXXX, who also was unable to provide a bill The caller continues to harass and call me at work. I informed him I could schedule a call with him if he could email me to set up a time. He again refused and continues to spam call me. Today I have received 3 calls while on a jobsite.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX 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 2020-10-15
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Today XX/XX/2020 cash app took XXXX out of my account and closed my account so I couldn't stop the payment they was supposed to be reseting my card and stole my money out my bank account my bank said it was a payment made with cash app now. I cnt get ahold of anyone. I have children to take care of and now I'm set back cash app says u cnt even send or receive more than XXXX a day bt then takes XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions 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 status incorrect

Complaint:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, Experian, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, 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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. This has been a huge inconvenience and is causing a lot of burden to my personal financial situation.

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 2021-11-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 

requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records. 

THESE ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} # XXXX {$2400.00} # XXXX {$1500.00} # XXXX {$1400.00} # XXXX {$92.00} # XXXX {$680.00} # XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, the plaintiff ( XXXX XXXX XXXX XXXX  ), voluntary dismissed the writ of garnishment Order. See attached herein. I contacted the garnishee ( JPMorgan Chase ), and provided the same. Chase is currently holding the amount of {$400.00} and are refusing to release. The dismissal of the garnishment is clear and in plain legal language. See paragraph 2 ) " Garnishee is directed to release any and all funds withheld to the Defendant or to the Defendant 's account and/or release any and all holds on any and all safe deposit box '' The dismissal of the writ was provided to Chase legal counsel on XX/XX/2019, yet Mr. XXXX XXXX failed to abide by the Order. See certificate of Service, the document was served via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Resurgent Capital Services 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: Information belongs to someone else

Complaint:
LVNV funding llc Creditor Information LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX fax XXXX reference # XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Called law office several times last time reported someone would call still waiting for call. 

Called LVNV company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX About XXXX XXXX Credit card opened on XX/XX/XXXX closed XX/XX/XXXX for non payment. 
I originally opened XXXX XXXX account in XXXX and closed it in XX/XX/XXXX, bought my home in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}

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 2020-05-13
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: Account status incorrect

Complaint:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my Equifax, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion LLC Consumer Dispute Center I wrote the exact same information to transunion conserning the same compalaint i am making today. 

-- -- On [ XX/XX/2020 or XX/XX/2020 XXXX I disputed an account reported XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXn the file you maintain under my Social Security number. 

I was informed on XXXX  XXXX and XXXX XXXX XXXXat the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

1. Requirements relating to reinsertion of previously deleted material 2. Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

-- -- - I have contacted this company and i have the othere two about the account that keeps coming back on to my credit report. thank you for reading this and i appretiate your help thank you.

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 2019-02-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan XXXX I was behind on my mortgage for 1 month but I made arrangements to pay back the monies owed to escrow in 5 extra monthly installments in addition to my mortgage. I have made three of these extra payments but my credit report score has dropped about 80 to 100 points as of XX/XX/2019. If I am now current and paying back why was me credit score effected so much? O am current with this first lien mortgage and current on all my other credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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 status incorrect

Complaint:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, XXXX, and Transunion accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, 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 2021-01-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a couch from Macy 's and the due date for payment was XX/XX/XXXX. 
I called and paid {$1500.00} and spoke to the representative and asked for an extension to pay the balance due of {$1500.00}. I did not want to have a {$990.00} interest added to my account. I called in to pay the balance and got the unusual runaround. My calls are normally routed to the XXXX and I was not helped. I called back and they found the agreement and they stated that the balance had to be paid by XX/XX/XXXX that was the agreement and that paying it on the due date did not suffice. I spoke with a XXXX, he stated the most he could take off was {$200.00}. I called again and tried to resolve it today and my call was sent to the XXXX again. There is no help. They noted that I had already paid, and they refer to the payment that I made but I have my account set up for automatic payments. 

I asked about COVID relief, I was told that Macy 's no longer has any type of COVID relief programs they ended XX/XX/XXXX. 

I want to pay the balance of {$1500.00}, not the {$990.00} in interest.

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