BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used the company cash app to pay for a pay of shoes from an online retailer the retailer stopped responding to me & blocked me and so I requested a Payment cancellation/refund via cash app this has been going on since XXXX, it was obviously a scam but cash app collects certain information such as email / bank card info and phone number in order to use the service I have made them aware of the fraudulent transaction and provided evidence they will do nothing they are allowing scammers to use their service with no consequence or accountability and therefore are complicit in the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has failed to provide the proper validation of this account per the FDCPA. Also this company has failed to show that they are able to legally collect debts in my state. I have requested the said information from this company and they have failed to comply. This is my final attempt to handle this company independently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have reached out to Equifax about correcting my name. I first sent them a letter on XX/XX/2020 ( certificated mail number XXXX ) and again on XX/XX/2020. Equifax had several variation of the name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. Now my name is XXXX XXXX XXXX XXXX. There is no number 6 in my name. Because XXXX is such a common XXXX name, there are several of negative items on my account that are not mine. I have tried disputing it with them and asked them to verify it. But Equifax is refusing to correct update my name and remove the items. All my letters/requests were notarized for proof and submitted with an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: TX
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:
What Is the Fair Debt Collection Practices Act? The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.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 explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 checked my XXXX credit report XX/XX/22 and I see my score decreased due to a Bank of America credit check. I absolutely have no account or have ever had an account with Bank of AmericaXXXX

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 2016-02-17
Company: Credit Central Holdings, LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was laid off this past summer and went and told this loan company this information. The very first thing the manager did was to look and see what I could sell to pay the loan payment that was not overdue. I continued to pay through the fall as I got severance pay. When the severance pay exhausted and all I had was unemployment and could not pay the XX/XX/XXXX payment the manager said that I could come in and rewrite the loan then I would n't be due again until XX/XX/XXXX. I was looking for work and had been since I was laid off, with no luck. I could not pay the XX/XX/XXXX payment so the loan company started calling me, my dad, my sister, my daughter in law, etc. I had already told them I could not pay the payment as I had not landed a job yet. When they called my sister she was in the hospital on oxygen and a bipap machine. She told them she was in the hospital, yet asked her to leave me a message. I called the loan company and let them know that they were not ever to call my sister again. My sisters doctor told her she may not live long and I was enraged that people would do things as that. Since then the loan company has called me every day. Called my daughter In law that is XXXX, called my Dad and his wife that are also disabled. Then the loan company decided to leave letters at my address a few times, Then they called a seasonal job I got XX/XX/XXXX to verify my employment with a co-worker and told her to give me a message. Then the loan company had someone go to my job and told my co worker that she needed to ask me a question, posing as a client. Then they called the call center and got the extention to where I was. I could not talk with them because I was with a real client. Today they had a police officer from the sheriffs department bring a tag at my work that said I was to pick up a claim at the sheriffs office. When I went to see what this was about the loan company had papers to sue me for the total amount of the loan and had 14 days to answer this claim. I do not have funds at all and the loan company knows of my situation. This has caused stress to my family and work, not to mention stressful to me as well. It has been nothing but pure harassment since after XXXX. I have had this loan for 3 years and rewrote the loan several times and have paid my payments on time until I got laid off and severance pay ended. I have only gotton paid twice since I have had this seasonal job so far and am paying on rent and electricity. I am also trying to find a full time permanent position. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since comenity has been hacked since last month no one has been able to get in touch with this company! Its like customer service has disappeared! I closed my account because I want nothing to do with them. As they are very incompetent! I got a late fee for my IKEA comenity credit card even thou I paid it on time! and have attached proof! Its not my fault ALL your systems are down and messed up! I'm not paying absolutely any late fee for a payment I made on time!

Comenity also offered {$60.00} in compensation from another comenity messed up and I never got anything in the mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I contacted XXXX again as well as opened disputes with TransUnion and XXXXx ( been multiple times XXXX to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XXXX/XXXX/XXXX I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully XXXX XXXX and TransUnion must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted Transunion by telephone to resolve an issue of an unauthorized inquiry on my credit profile. This issue remains unresolved.

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 2022-04-21
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I transferred some money out of my Chime account to my husbands account about an hour later I went to get gas and it said that my card was not valid I tried to call Chime and it told me that I could not speak to anybody because my account was closed I looked in my email and I had email stating that they had immediately closed my account with no explanation I got my husbands phone and finally got through to somebody and asked them if they would transfer my money to my husbands account because I was stranded on the side of the road and if I did not have my money I would lose my job because they said they would send me my money within 30 days I was told that there was nothing that they could do because my account was already closed and I had received the email 45 minutes earlier and they said that the account was already completely closed and there was no way to access my money until it came to me in a check in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Exeter Finance Corp.
State: CA
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 noticed multiple hard inquiries on my credit report from the specific date of XX/XX/22. I did not authorize any of these hard inquiries, nor do I hold an account with any of these companies. 
My credit score dropped XXXX points because of this. 

Not acceptable! I have already tried calling each company listed from XX/XX/22 individually to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Virtually since this loan 's inception about six months ago, our lender, LoanCare, has refused to recognize our initial mortgage payment and apply it against our principal. I believe their claim is they never received our check. We have provided proof by means of the ACH tracing number personally and via email from our bank that the payment was processed through XXXX XXXX. Despite my efforts and numerous emails to LoanCare, their employees and a supervisor, they will not adjust our account and statement to show the initial payment. Months later they still allege we have not made the payment. The supervisor I have emailed has not provided, as I requested more than once, her superior 's name ( s ), so I can take this to the next level. I have also requested via the company 's portal that someone contact me. Absolutely no response. That was over a month ago. Please 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 2015-04-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bayview loans keeps calling and harassing me about being behind on a payment. I 've called them numerous times to try and fix this problem but no one can help me in the so called customer service area. I have gone to my bank and receive copies of my proof of payment starting back from XXXX and ended it in XXXX, I have fax them numerous times showing them that I never miss a payment. Every time I ask them a question over the phone they say put it in writing and fax it to us. Not one person I 've talk to was able to answer a question. Its like its choreograph. I called one time and got a person here in XXXX XXXX, when I found that out and ask her if she had a branch in XXXX she just laugh and said no. She works out of her house and supposedly all my information is there on her computer. I 'm not liking this. These people are no better than XXXX and have no desire to help you what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have tried to cancel my Apple Credit card twice on the phone, You can get the card online with no people interface, but like all slimy companies apple and golden sachs make you call to cancel, the first call I wanted to pay the balance and cancel, of course they have no way to do that, Second call after figuring out how to send money to them and paying card off. Said I could cancel if I read and agreed with there statement removing them from any recourse. 

You should require any company that allows to open and account online to be able to cancel account online. 

If You could please get them to cancel my account it would be appreciated. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Absolute Resolutions Corp.
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:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. As well as several other inconsistencies, such as OPEN DATE of XX/XX/XXXX with a LAST PAYMENT DATE of XX/XX/XXXX. This can not be correct in any way, since this would mean the account was paid on before it opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BAYVIEW IS ENGAGING IN DECEPTIVE LOAN SERVICING PRACTICES BY NOT PROVIDING UPDATED AND CORRECT FINANCIAL STATEMENTS, PROVIDING INCORRECT ACCOUNT INFORMATION IN ORDER TO CREATE A DEFAULT LOAN SCENARIO, NOT ABIDING BY THE TRUTH IN LENDING ACT, NOT PROCESSING/APPLYING MORTGAGE PAYMENTS IN ACCORD WITH THE SPECIFIED ACCOUNT SCHEDULE, NOT PROVIDING CORRECT PAYMENT INFORMATION WHEN REQUESTED, THEREBY CREATING A DEFAULT STATUS, NOT COMPLYING WITH THE FEDERAL REGULATED ACTS, THAT GOVERN LOANS AND PROCESS, AND THREATENING TO MAKE THE MORTGAGE LOAN IN DEFAULT STATUS, REVOKING A MODIFICATION AGREEMENT PREVIOUSLY AGREED TO BY XXXX XXXX XXXX, UNLESS PAYMENT IS MADE IMMEDIATELY ON XXXX/XXXX/16 ON THE TELEPHONE, WITH NO PROOF OR REQUESTED DOCUMENTATION PROVIDED PRIOR TO PAYMENTS BEING MADE. ADDITIONALLY THREATENING TO CANCEL THE MODIFICATION AGREEMENT XXXX HAS SIGNED WITH NO NOTIFICATION PERIOD OR GRACE PERIOD AS PER FEDERAL LAW, IF PAYMENT NOT MADE ON XXXX/XXXX/16 VIA THE PHONE BY XXXX XXXX, DESPITE XXXX XXXX DISAGREEMENT AND REQUEST FOR PROOF OR STATEMENTS TO BETTER CLARIFY THE SITUATION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Executive Financial Consultants, Inc
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE DISPUTED SEVERAL TIMES WITH XXXX REGARDING THIS EXECUTIVE FINANCIAL CONSUL COMPANY REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. IT IS FOR {$86.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair credit report act XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-21
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:
Transunion is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

TransUnion is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter. Dispute letter was mailed certified on XX/XX/22 under tracking # 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 2022-04-21
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

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 2015-12-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I previously had XXXX accounts that were charged off and I received a XXXX for these accounts. I disputed the account with XXXX and Equifax , XXXX updated my credit report as paid collection, however, Equifax only deleted the historical data on these accounts. I have disputed this information twice now. After the first dispute, I called Equifax and spoke to a representative who advised me that I initially used the wrong dispute information ( the selections on their dispute page ) and that XXXX verified the account belonged to me. He told me to change the dispute information, took my dispute over the phone and after that the result still came back as they deleted historical data but the balance still remains. I am trying to get this cleared up. I explained to them that the account was paid through the XXXX with the XXXX but they continue to report the account balances of what was owed. I have included copies of XXXX disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are accounts showing as delinquent. However, they have been deferred and this is severely impacting my credit making it difficult for me to get a lease for an apartment.

Company response to consumer: Closed with non-monetary relief