BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: Square Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 I was at XXXX trying to withdraw cash it keep telling me I reach my max with draws. I never had this happen so I got on my cash app app an look for the customer service number. At that point I call the number I found. He told me the only way he would be able to fix the issue was for me to go to the app store an download a app call XXXX XXXX or something along the lines of that. So I download it not know in this app was going to give him full control over my app/phone. While on the phone we was talking an I happen to get a beep I look at my phone an see him controlling my app an in my app I look at how much was in my account an it said XXXX. So I went from XXXX to XXXX. He did 4 diff with draws 3 for XXXX an one for XXXX. First 3 account that got the XXXX were all diff then one of those account received the XXXX. I started freaking out an ask him what happen to my money an to just put my money back on my card. He told me not to worry an to hold the line he well be back. He came back to the line an said he was having issues on returning the money an ask me 1st if I had a debit card I could link to my cash app that had XXXX on it I told him no. Then he ask XXXX? I said no ... then he ask me to go to the nearest store an purchase XXXX in XXXX XXXX cards. I told him I dont have any money an I was not doing that. I hung up on him at less 5 times over speaking with these ppl for 2 hours trying to get my money. At one point he even laugh an told me I been scam. Told me reporting it to anyone well do me no good. I contact cash app immediately thru email cause it 2020 an their a company who does not have a live customer service number smh. Waited for a response only to be told alone the line they could not do any form of refund cause someone had access to my account in the past. I ask for them to prove whatever their speaking out an yet to get any proof. After all this I learn going thru XXXX there many many scammer numbers listed as cash app customers service numbers. I also learn this has happen many times to other customers an still yet cash app is doing nothing to protect their customers. I went thru the app request a refund that did no good. I call all the numbers back they keep calling me back on only to learn those number all were text now number an was all disconnected. Am not sure how cash app doesnt feel I dont deserve my money back when the number i found WAS ON MY CASH APP APP. I also have recording on my son phone I can send if need to of them admitting they work for cash app. Why hasn't cash app did anything to PROTECT their customers why does this keep happening

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Geeze, Seterus is really getting a jump on the complaints!!! Now I received notification they placed insurance on the home for 90 days for the sum of {$1500.00} which is insane on so many levels. First, they state their 'records show that your hazard insurance has expired ' which plain and simple, their records are wrong and they should have received insurance information from XXXX XXXX XXXX who received insurance information both in XXXX and around a month ago and both are well documented with the cfpb. Second, insurance for the home costs around {$1500.00} for the year, not 90 days so what kind of robbery is this!?!?! 3 ) Seterus as per a previous complaint still needs to back up and back off and for many reasons also noted in previous complaints. 4 ) As detailed with XXXX XXXX XXXX, Seterus needs to provide proper legal documentation as to why and how in the eyes of the law that I bound to their terms since the only legal document I have signed related to this loan was with XXXX XXXX. 

At this point I definitely consider that seterus has crossed the line with their threats and intimidation and when I speak to an attorney regarding XXXX XXXX XXXX, I will also discuss a lawsuit against Seterus as well because this simply is not the way things should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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:
Ive been a victim of 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 2016-01-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a complaint via US mail requesting dispute/investigation with Equifax information listed in my credit report. Mainly to update the phone numbers listed in the consumer statement ( Fraud Alert ). The numbers have changes and I wanted them updated. 
I provided all the needed proof documents, ( Copy ID, SSN Card, Copy Phone Bill, etc ). 
I have not received an update on my mailed in request to update my information. 
I did however get a mailed statement from Equifax ( attached ) which states that they are adding a " XXXX '' statement to my credit report, and that it would remain in effect for 12 months. Plus they are notifing all the other credit reporting agencies ( XXXX XXXX, XXXX ) of " XXXX '' status added to report. 
This had nothing to do with my request. I am employed with XXXX XXXX XXXX was prior military XXXX years ago, and I am NOT on XXXX. All I wanted was the phone numbers updated on the Fraud Statement on my account. The NEW phone numbers should be XXXX and XXXX. I have NO KNOWLEDGE of any XXXXXXXXstatus to report for military service. Plus they are now adding it to all XXXX credit reporting agencies. So now they are no only in-correct in there reporting, but they are reporting incorrect information to other agencies. This is unbelievable!! 
These reporting agencies are total unaccountable for the mistakes and errors they impose on consumers. When you address this issue with them, please ask them to update what was request the " phone number for Fraud Statement '' XXXX and XXXXXXXXWhat can I do, as a consumer to hold the agency accountable. As a federal regulator and consumer protection agency. Making them correct what is wrong, does n't go far enough. 
A huge civil fine, putting a dent in the pockets of the company is the only to make change with these agencies. Yearly I pull my report, and each and every year something is wrong with the reporting. There mistake, not what a company reported. We need your help to correct this problem at all consumers face

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to* promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed similar, XXXX have even been the same, information with Equifax and the companies 6 months ago as well. XXXX is reporting the information correctly now, so I believe the issue is with Equifax. 

There is incorrect information being reported on XXXX of my closed accounts. All three accounts are negative, because they were included in bankruptcy, but Equifax is also reporting that the XXXX accounts have 'Date of First Delinquency ' and XXXX of the XXXX also show information for 'Date Major Delinquency First Reported '. At no time have any of the XXXX accounts been delinquent. Prior to bankruptcy all three accounts were paid as agreed and paid on time, so I would like the information to be reported correctly. 

The last time I disputed this with Equifax they responded by saying that the information had been verified, but it should not have been. Bankruptcy makes the account negative, it 's considered derogatory, but 'delinquency ' means it is not being paid as agreed ( not right amount or not on time ). This should be clarified with Equifax ( they wo n't listen to me ) and the incorrect information should be removed from my report. 

Supporting documents have been attached below. They include the confirmation of my current dispute with Equifax, screen shots of the XXXX incorrect account reports, documents showing those payments were made on time and not delinquent for all XXXX accounts, and the most recent and complete reports from Equifax and XXXX so it can be seen how they are reporting differently.

Company response to consumer: Closed
Consumer complaint received 2016-11-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have had numerous issues with equifax. They continuiously add a derogatory mark " medical bill, '' that has been taken off at least twice in the past 4 years. This will make the third time. Hopefully, going through you guys can remedy this situation. Im not sure who is to blame, the company that keeps reporting or equifax. I thought this had been solved, has n't been on report for well over a year. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by 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 2015-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I just got my XXXX Credit Reportand noticed bills for XXXX loans that have been sent to collections. When the losns were paid out I was not even in XXXX because I was XXXX. I only attended XXXX XXXX before I was XXXX and I was told that I never receives a disbursement. What can I do about this? I do not see this as fair at all and it looks lioke a huge ding on my report. I believe that this should be definitely removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TransUnion Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this 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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts reporting that does not belong to me : XXXX   - Date Opened : XX/XX/XXXX ; Bal : XXXX ( TU ) XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( TU & 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 2022-01-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
I reviewed my credit report and it shows a charge off from SunTrust Bank and inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX and multiple other inquiries which should NOT be reported. I did NOT give written permission for this information to be on my report. This company is in violation 15 USC 1681b ; The law states that any credit reporting agency may ONLY furnish a report in accordance with WRITTEN consent of the consumer. I did NOT provide written consent and I did NOT benefit from these alleged items. This is a demand for these items to be blocked and removed. According to the law 15 USC 1681c-2 : the consumer reporting agency shall block the reporting of any information that the consumer identifies as alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Equifax allowed my personal information to be compromised. I was able to verify I am a victim on their website. They also did not release news of their data breach for several months. In addition it sounds like there was some insider trading involved from senior leadership within Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX knows I was employed until XX/XX/XXXX. I moved as XXXX after XXXX in 2002 to the XXXX XXXX XXXX. I was at the XXXX till 2002 and the the XXXX XXXX location until XX/XX/XXXX. This wrong information might be due to a XXXX lawsuit filed in XX/XX/XXXX towards XXXX due to XXXX due to XXXX XXXX. I would call main personel at XXXX. Not sure isf I remember this # correctly but they are on XXXX XXXX XXXX XXXX XXXX Mo.

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 2015-03-20
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " ALLY FINANCIAL '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am filing this complaint because TransUnion has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2022-01-26
Company: OPTUM BANK, INC.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In XX/XX/XXXX I terminated my employment with XXXX XXXX. However, I chose to allow my XXXX account to remain as I had no issues with the account or its servicing. By letter dated XX/XX/XXXX from Optum Bank, it was made known that XXXX was selling its XXXX business. On XX/XX/XXXX, my funds were transferred to Optum. 

Trying to explore options, I submitted several questions to Optum, one of which pertained to its fees. Prior to submitting the questions by email, I had attempted to locate the information on its site.

The short of the matter is that I was charged an account closing fee in the amount of {$20.00}. Optum had my funds from XX/XX/XXXX to XX/XX/XXXX not thru my choice, did not provide a list of its feesnor did I ever locate oneand notified me about the termination fee when I received the in the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX is listed on my credit report for XXXX dollars XXXX couldn't explain the bill I spoke with reps and supervisors I disputed the bill with XXXX I never received a bill from XXXX I found out about bill when I found out by credit alert trans union has bill on my credit report without proof I owe because there is no proof trans union didn't remove from my credit bureau also medical bills which I never received a bill XXXX had the account with a credit agency

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the XXXX  you caused me. My information was also impacted by the XXXX and XXXX Data breach and may have gotten into the hands of the wrong person.

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 2022-10-01
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX 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