BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
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 information incorrect

Complaint:
I originally opened an account with XXXX that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Asked XXXX and Transunion to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from credence. Also I never received responses with updated credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
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 information incorrect

Complaint:
I originally opened an account with moneylion that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My boyfriend and I went on a XXXX XXXX cruise from XX/XX/XXXX to XX/XX/XXXX. I had lost my XXXX XXXXard ( As described on the XXXX XXXX website ; " An Onboard Expense Account, also known as your XXXX  onboard account, is the cashless system used for all onboard purchases and services. Depending on your ship, XXXX cards are handed out at the pier or will be in your stateroom waiting for you. The account can be set-up with either a credit card, debit card or as a cash account during check-in or at the pier. You can also add guests from your stateroom or another stateroom as authorized purchasers on your account. For each purchase made onboard the ship you will receive a receipt. A preliminary statement will be delivered to your stateroom on the day prior to the final morning of your cruise vacation for your review. A final statement will be e-mailed to you shortly after departing the ship on the last day of your cruise. If you set up your account with a card, shortly after departing the ship on the last day of your cruise, XXXX XXXX XXXX will automatically post the final charge to your card on file. Guests on a cash account will need to settle their statement onboard prior to disembarking. '' ) In other words, whenever I used my XXXX card, my debit card would be charged. The worst part about this is there is no pin or other security in place. Anyone can swipe the XXXX card and Id get charged. This is exactly what happened with me. I lost my XXXX card on the ship and while my boyfriend and I attended a shore excursion, someone found my XXXX card and charged {$1200.00} to it. Chase even sent me a text message asking if it was fraud. I responded with yes it was, so they closed my account and sent me a new card and I wasn't charged. XXXX solved right? Nope. On the last day of my cruise when I was leaving to go home, they said my bill had to be settled. They wouldn't let me off the ship. So I had to willingly ask them to charge the {$1200.00} again b/c they threatened to contact the authorities if i didn't pay. It was the last day so guest services refused to investigate. This was fraud. Plain and simple. When I opened a case, Chase coded it with an incorrect reason : " the card was charged more than once ''. NOT fraud.. so the dispute was revolved around that fact and they saw my card wasn't charged more than once ( i knew that, that wasn't the issue ) and they closed the dispute. The agent who initiated the claim did not do their job correctly and now I am being penalized. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello and good evening! I was shocked when I reviewed my credit report and found that you still reporting that alleged XXXX collection under my credit report. I've contacted both the Convergent Outsourcing collection company and the original creditor and sent them several letters demanding proof of this so-called debt that I owed them. I keep getting pre-printed templates with the transaction of the calls, but not the documents that i've asked for. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Card opened without authorization from the card holder due to identity theft.

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 2019-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I began receiving phone calls XXXX days ago Caller Id states XXXX or unknown No one leaves a message on my voice mail so I looked up the number on the internet and it is id 'd as a cell phone I called the number and they claim they are Central Credit Services which are located in XXXX Today the phone rings and they ask me to verify my social security number to them which I refuse to do. They then say they are collecting on a Loan I owe to XXXX. Over 15 years ago I had a loan with XXXX XXXX who became XXXX. After paying off XXXX of the loan XXXX told me I could get a deferment They charged me {$20.00} to put my payments on the end of the loan and after three months claimed I was in default The loan was never payed off. I tell Central Credit Services " Why do n't you sue me? '' their reps reply is they ca n't because they do not own the loan. " Well '' then I ask " why would I pay you for it? '' She answers " because I work for XXXX '' I reply " you just told me you work for Central Credit Services! '' The rep tells me to hold on and a man gets on trying to be more forceful.He also tries to get me to verify my private info. I ask him to stop calling me with no caller id and leaving no messages on my answering machine. He replies he does n't have to stop and it is not against the law. I told him it is harassment and I will report him. I then hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: KEYCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Key Bank employee opened accounts and a prepaid card in my name. I was notified by mail on XX/XX/2021, that an account and card existed under my name. It notified me that there were recurring payments on the card in question. I want the accounts and cards at their bank closed immediately as they are the result of fraud at their bank. I would prefer someone contact me to confirm they were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On two occasions ( XX/XX/2020 and XX/XX/2020 ) my daughter sent me {$150.00} and then {$2000.00} thru Cash app. Neither were deposited in my account. Contacted cash app thru XXXX. They responded by saying " On Tue, XX/XX/2020 at XXXX XXXX Cash App Support XXXX wrote : Good morning XXXX, XXXX here with Cash App, I do apologize for the delay. I'll be taking over your case for XXXX and want to help explain the best steps to take from here. 

At this time, our payment operations team was unable to reverse the deposit. As a next step, weve attached a document confirming your {$2000.00} payment was successfully deposited to the bank account ending in XXXX. 

Please provide this to the ACH department at the bank to locate the funds. All financial institutions, including this bank, use the ACH network to move payments to and from bank accounts. The trace information provided includes a Recipient ID and Trace Number that the ACH department must use to locate these funds. 

If the bank states that the deposit was reversed back to Cash App, please ask them to provide the transaction details on a bank letterhead. 

If any additional needs come up, please let me know. I'm always here to help how I can. 

Warmest Regards, XXXX Cash App Support. 

I went to bank and got confirmation my funds were deposited so asked Cash app for the official dispute policy and have not heard back. ( My e-mail to them : XX/XX/2020, XXXX XXXX ( 3 days ago ) to Cash, me I did supply this to my back and they did not receive. 

I am attaching a copy of my statement showing no deposit was made for this {$2000.00} and the other {$150.00} in question. The account number is right so it looks like something happened from your end when you sent. 

We are going in circles here, please send me the official easy to complete a dispute thru Cash app. '' I have attached the details from Cash app with the ACH details. etc., and a copy of my bank statement. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

I have accounts such as XXXX, inquires from banks that i did not authorize etc. Hope to hear from somebody soon so that we can get this under control and figured out. Thanks in advance.

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 2016-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a vehicle Financed through XXXX XXXX. I paid the monthly on time every month except one month I had my payment defered. I traded this Vehicle in for another in XXXX of 2015. My credit report shows a repossession of said vehicle and I have disputed this with the bureau several times. And every time it comes back verified. I have contacted XXXX about this and they tell me they have not verified anything regarding a repossession on my account. I have sent numerous letters to the reporting credit bureau to no avail. My next and final option is a lawsuit against the credit bureau for damages caused by their lack of effort in correcting the matter.

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 2016-10-29
Company: The Law Offices of Burr & Reid, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter XXXX at college when a friend dropped her XXXX. I 'm a retired combat XXXX of 20 years and was the SPONSOR of her health coverage NOT the guarantor of any payment owed since she was over the age of XXXX at the time of the incident. This is NOT my bill, I 've NEVER even been in this hospital! I called recently and the collector was extremely rude, would n't put me in contact with a supervisor when asked and was dismissive of my XXXX I suffered when wounded in combat in XXXX. XXXX is my family military retiree insurance and per federal law, children over 18 are responsible for any payment. This claim was not covered because ot was a third party injury, her friend that dropped my daughter XXXX who was deemed by my insurance as responsible. They are trying to collect from the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last thursday XXXX XXXX. Called my cell from phone number XXXX exXXXX saying I had 2hrs to call her back are charges were going to be filed against me so my boyfriend calls me at work and and relays the msg to me so I call her And she ask if I recall XXXX and I said yeah but that was yrs ago long story short she wanted me to pay XXXX plus for the loan I got years ago I told her she would have to wait til Friday so she ask for a card number which me not thinking at the time I gave her my card number but told her I would have to make payments every two so then later on after I got off the phone and I got to thinkingwhy did she need My card number so Friday came And My bills come off my card and she called my job and said payment didn't go though I told her I gave her the wrong card number so she asked for a different one. So today XX/XX/XXXX she has. Called myjob twice. And I have ask her not to call and send. Me paperwork and I would gladly make payment arrangment I think she. Is scaming me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2015-10-19
Company: CREDIGY USA CORP.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Just started to receive letters from Credigy, in the letter they stated that I still owe a credit card back since XX/XX/XXXX, I think it 's a credit card which I had from imagine fro which I paid off since XX/XX/XXXX. it was such a long time ago now these people say that I owe XXXX

Company response to consumer: Closed with explanation