BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is my second complaint After the first response i recieved last month i have received an additional 2 cards in my name with different accounts attached to them. This happened while all of my information was frozen thus proving that cash.app doesn't use any conventional ways of identity verification before issuing cards and accounts. The response i recieved last month was that I'd be removed from the system and blacklisted. That didn't happen so this complaint is two parts 1. I didn't solicit this service the first time early XX/XX/XXXX, second time mid XX/XX/XXXX, third time or fourth time early XX/XX/XXXX ( over a month after my original complaint was addressed ). 2. My information was not blacklisted as previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX the Company XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via bank wire, and through an intermediary named XXXX in the total amount of XXXX CAD utilizing your services. 

The scam broker pretended to be a regulated entity and lured me into using their platform through misrepresentation, manipulation and psychological techniques. 
The Company cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would-be investors would ultimately lose the money they had entrusted to it. The overall purpose of the scheme, in other words, was to target and defraud people who are often inexperienced and naive, in pursuance of illicit wealth through various fraudulent representations. 
I was affected by this scam broker in many ways. Due to being scammed for XXXX CAD, I can no longer provide for my daughter and family. My whole savings account was taken from me in a heartbeat. Especially during these hard times right now due to Covid-19 situation there is a lot of uncertainty and on top of that I have lost my hard earned funds. 
My life is no longer the same, not being able to take care of my family is very difficult and causing many family problems. Emotionally and mentally my family is very hurt. My daughter is feeling pain, I can't even get her anything, she is suffering from this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclay card is not refunding the Ernest money I used to purchase a vehicle. I used the card XX/XX/2022 waited till the car company had refunded the money. Then added 3 or more business days before contacting barclay. The acted as though they ne er received the refund, so I contacted XXXX the auto dealer again the reissued the refund that day. I called back and still the same we don't have it you will need to wait 15 days to file a complaint which has conveniently put the date ( of the first transaction ) past my billing due date. They have not been any sort of helpful and it seems they are trying to ensure they get the interest money before submitting the refund.

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 2018-10-09
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter regarding an unknown bill that I was truly unaware of. I then send them a certified letter with return receipt and they refused to respond back with any evidence that this debt they are trying to collect belongs to me. after further research I come to find out that not only do I believe this is not my debt but it is well over passed the statue of limitation in my state. they are clearly in violation and I demanded in writing that they no longer contact me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: MD
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:
Recently, I was reviewing my Equifax credit report and noticed that there was incorrect information listed for my XXXX/XXXX account. I tried to file a dispute online, however I was not able to. I also called today and spoke with someone whom I could not understand. I tried explaining that the information posted was incorrect and she hung up on me. On XX/XX/XXXX, it shows the closing date of this account as XX/XX/XXXX however I have amother report from XX/XX/XXXX that shows the closing date as XX/XX/XXXX. This account was removed from my credit report and put back on in XX/XX/XXXX. 

There Is also a XXXXXXXX XXXX  account and a XXXX/XXXX account that are over 10 years old on my Equifax credit report. The Fair Reporting Credit Act states that credit reporting agencies must report correct and updated information. Equifax is changing information as well as reposting outdated information, which is against the law and affects my credit rating negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: ENCORE CAPITAL GROUP INC.
State: AR
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:
I made previous complaints to Midland Credit Management , Inc. to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never sent proof of a signed contract with my signature with them about the alleged debt and I wouldn't be paying it either. They don't have the right or a license to try to collect an alleged debt in the state of Arkansas. Send me proof you have the right and license. According tot he XXXX  consumer access website you don't have a license in Arkansas. By continuing to tor report negative information and defaming my character i will seek damages of {$5000.00} in small claims court if not removed from my Consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  account # XXXX, disputed this many times over the last 2 years and came back verified event thought all information was wrong and was being reported differently by each bureau, supplied hard copy info and they ignored and refused to investigate, after having reporting incorrect information for the last 2 years, violated my right to have only 100 % accurate information on my report XXXX has already removed this entry

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 2017-06-02
Company: TD BANK US HOLDING COMPANY
State: MA
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 use online bill payment with    XXXX   XXXX   XXXX   (  XXXX  )  to pay my credit card bill to TDBank (  XXXX   XXXX   XXXX  ). I made my  XXXX   2017  payment via  XXXX  's online bill pay. TDBank cashed the check, but applied the payment to the wrong account. TDBank then began assessing late fees. I called TDBank 's customer service and collections department multiple times in  XXXX  and  XXXX  to dispute the late fees. These calls were recorded so I am on record as disputing the fees. Despite my paying the bill on time and disputing the late fees, TDBank falsely reported me as delinquent to the credit bureau.  <P/>  XXXX  sent the cancelled check directly to TDBank to prove the payment was made on-time. TDBank still argued that they did n't receive the check - despite having endorsed and cashed it. On  XXXX   XXXX ,  2017 , myself and my  XXXX  representative called  TDBank  's collection department together. In a one-hour recorded conversation, TDBank finally researched this issue and admitted the funds were received on-time but applied to the wrong account.  XXXX  at TDBank agreed to correct the error by properly applying my payment to my account, reversing the late fees and correctly reporting to the credit bureau. Both  XXXX  and TDBank recorded this call. Instead of correcting the error, TDBank again reported the disputed late fees to the credit bureau. I called TDBank again today,  XXXX   XXXX . In another recorded call, the representative again admitted that it was TDBank 's error. She claimed I was reported to credit bureau because the department responsible for fixing the mistake had n't fixed it yet and that she could n't fix it herself. She would not let me speak with the department responsible for fixing the mistake or provide any time frame for when it would be fixed. I asked for a  manager  on  XXXX   XXXX  and  XXXX   XXXX . I was told no managers were available and that I was " in que '' and would receive a call back in  48-72 h ours. I never received a call back. TDBank 's customer service department will not help me because they claim my account is in collections and only the collections department can correct the error.  <P/> I can not escalate this issue to TDBank 's Ombudsman because the bank 's dispute resolution process requires a written response from a  manager denying my requested relief. The manager manager will  not even return my calls, much less respond it writing so I 'm stuck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: TX
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 regarding several items in my account that, upon checking, have been unverified and have been placed under my name without my knowledge. Particularly, the bankruptcy charges, several inquiries and some chargeoff/collection that i saw. It is already affecting me so much. I wrote the bureau last month but i have not seen enough changes to convince me that they are doing something to correct my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Total Card, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/2018 I SEND A LETTER TO Total VISA XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX CRET MAIL. 

AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU .. 

I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW. 

I CALLED BACK ANOTHER TIME SAME DAY AT XXXX EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ... 

I ASK HIM DID U GET THE LETTER I SEND OUT ON XX/XX/2018 HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ... 



Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. 
Postal Address : Total VISA XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX ) XXXX. 
To check your account balance, make a payment, or for other general customer service inquiries, please call ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Consumer Portfolio Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: ID Analytics, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Santander Consumer USA Holdings Inc.
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: Old information reappears or never goes away

Complaint:
I co-signed for a vehicle on behalf of my ex wife. The vehicle was repossessed in XX/XX/XXXX. I received a XXXX cancelation of debt and instructed to file it on my XX/XX/XXXX taxes. I did so after talking to Santander and being informed it would bring the charge off balance to {$0.00}. Needless to say they lied. After applying for a loan recently I was denied due to the account having a substantial balance. Not to mention this account is over 9 years old now. When I called Santander to ask about this, they were extremely rude to me and told me the XXXX was merely a formality. Being XXXX XXXX I know this is not a formality. I am writing asking with help in resolving this issue. It has cost me several opportunities over the years. I do n't check my credit file and had no clue this was going on since I have never once spoken to them because my divorce changed my contact information and address. The only reason I received the XXXX is because my daughter found it in the trash at my ex wife 's home and saw my name on it. Santander has been very hard to deal with on this matter and we need assistance in order to grow our company, an effort thwarted over the last few years by this matter. Thank you for your time and attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX DE XXXX Y XXXX XXXX XXXX, REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER XXXX NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS XXXX IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.

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 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER  XXXX  NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.

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 2021-11-16
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: Personal information incorrect

Complaint:
These addresses should not be reporting to my credit report as this is inaccurate information and I have requested this information to be removed 90 days ago. 



XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Miller, Stark, Klein and Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call on my mobile phone from a local number I did not recognize (  XXXX  ) and let it go to voicemail. The voicemail revealed it to be a " robocall '' and the transcript of that message is as follows : " This message is intended for  XXXX   XXXX   XXXX . [ sic ] I 'm calling regarding some pending complaints here that 's been filed in our offic e. Press 1 no w to speak with a live agent or to contact our office at a more convenient time please dial  XXXX . Thank you in advance for your cooperation. '' According to information found online this number i s Miller Stark Klein & Associates (   http : //millerstarkklein.com/ ), a debt collection firm. I have not had any business dealings with this firm. Further, I have no debt which could be legally collected. Their statement about " pending complaints '' seems to indicate a pending legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Santander Consumer USA 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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TX
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:
Equifax is reporting a collection account that the company has stated is inaccurate ( I will enclose the letter ) and the account has a zero balance. I've tried several times to fix this issue and to no avail, nothing happens. Also, please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge. This is my 3rd notice to Equifax, and per the letter received from the collection agency, the credit bureaus have 60 days to update the account. At this time, I will be reporting Equifax to the XXXX as well as the attorney general and will be seeking compensation per violation if this account is not removed immediately. Please see the attached letter.

Company response to consumer: Closed with explanation