BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
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:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have reached out to the AR Resources INC several times and no response to remove this item that is impacting my credit. I will provide the dates that I reached out to the creditor to get this removed and no response. I sent letters on the following dates shown below. Could someone please help to resolve this issue for me. This debt is from XXXX of XXXX and should have been removed for some time now. Thanks XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Approximately 154 days ago on XX/XX/19, I opened both a personal checking and money market account with BMO in order to receive a two promotional cash bonuses. I have met all terms as advertised for these promotions, but have received neither. I am now being told I do not qualify for the checking account promotion because I had an account with BMO with in the previous twelve months. The attached offer states that to be eligible one must not have had a PERSONAL checking account with in the last twelve months. The account that I previously had that BMO claims makes me ineligible was a business checking account for which I received a business checking promotional cash bonus. Therefore, BMO defines that account as a business checking account despite the fact that the business was a sole proprietorship. Obviously, since it was a sole proprietor account my social was used in its creation. This is what BMO seems to be hung up on, but it is irrelevant as it was a business checking account. the money market bonus simply has not been credited to my account even though BMO admits I have qualified.

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 2021-07-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this insurance debt with the collection company for the past 2 yrs. they refuse to send me information about the debt, also they refuse to send debt validation. According to FCRA, they must provide information about rhe debt if the consumer requests it in writing, which I have more than 4 times.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To begin with, I want to clearly state that I am not using a credit repair company. I am writing this letter on my own behalf, using information Ive gathered through investigation of the Fair Credit Reporting Act ( FCRA ) to understand applicable laws and my rights as a consumer, as well as from my own independent research at my alma mater universitys library, online research through credible sources, and direct interviews of industry subject matter experts. 

In XX/XX/XXXX, I disputed inaccurate and erroneous information on my credit report. An item came back " verified '' by Experian, and I then requested ( on XXXX ) to know their method of verification and description of procedures their investigators used to arrive at this conclusion. This is my right under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. 

After about a month, Experian then responded to this request by sending me another copy of my credit report along with verbiage indicating that this item was once again " verified '', however no information was provided regarding method and description of procedures for the verification. 

So, I gave Experian benefit of the doubt and sent them a SECOND request for verification method on this item ( on XXXX ). Exact same result as before - Experian came back after about a month with the same verbiage indicating that my item was " verified '', but nothing regarding verification method and procedures. 

By now, I know Experian has already twice been in violation of my rights under the FCRA ; however I chose to give them another opportunity. I sent in a THIRD request for verification method on this item ( on XXXX ). The FCRA allows for 15 days, plus mailing time, for a response from the credit bureau. It is now XX/XX/XXXX, and I've heard nothing in this regard back from Experian. 

Experian has now VIOLATED THE FCRA THREE TIMES by not responding to my requests in the 15-day period allowed by the FCRA, and I am exercising my right to demand this item is deleted from my credit report immediately. I am attaching to this complaint written evidence of all I've noted above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
tried to transfer funds using the online app Cash App, when transferring funds the system would not transfer, so retried transfer and it went through. I immediately notice the transfer went through twice. I tried finding out on the app how to stop second transfer. Once I was told by friend to ask the receiver to transfer by asking for the amount using the request button. when they refused I went to XXXX to find out how to contact Cash App, there are no way to contact XXXX or Cust service using this App. I found away to contact Cash App & email the transaction information. I received a response saying Cash App was not responsible even it was a system error. I tried to escalate & always get same response Cash App was not responsible. Filed XXXX  complaint & Cash App still refused to refund the Amount of {$50.00}. 
Also I received a payment for {$40.00} using Cash App. Cash App received but was never deposited in my checking card. Contacted Cash App via email & have not got a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to obtain statements from my bank to show I paid taxes. I need these documents to prove I paid taxes so I can buy a home. My closing date is XX/XX/22 and this is the only thing holding up my file. 

I have tried to contact TCF Bank multiple times and been to the branch, but they are unable to provide me with my previous statements showing I paid my taxes. I know under the FDIC, they must keep documents especially from the past few years. 

My bank was originally Huntington Bank but then TCF bought them. They have pulled up one statement but keep making excuses on why they can't generate my previous statements. They keep referring the info in some type of storage or vault. If I do not get this documentation, I will lose out on this house. I just want them to provide me with the correct statements showing my taxes have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NY
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 have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX Balance Owed : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
the computer glitch caused my inquiries to be deleted.later transunion later added them back on my credit report without giving me a legal required written notice 5 days prior to them re adding.i contacted Transunion to have the inquires deleted

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 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The hard inquiry on credit report was n't made by me the medical should be off I was on medical

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 2018-12-02
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Westlake Financial must send a letter that they have repossessed the vehicle ; and that the car will be sold at either a public or private sale ; and that the sale will be conducted on or after a certain date and must give me given opportunity to redeem the vehicle prior to that date. 
Westlake is reporting on my credit report that it is a charge off for XXXX. 

If the vehicle is sold, the sale price must be applied to the balance of the loan. 

They have not sent me any letter stating the car has been sold. 

If they have kept the vehicle in satisfaction of debt, they were supposed to send me their proposal to do so in writing. They must have my consent. I have not received any such letters. 

Westlake Financial has not followed the law by repossessing the vehicle or in their disposition of the vehicle after deposition and I have a attorney ready to act in my defense if Westlake Financial does not removed inaccurate false account information from all 3 credit reports due to the lack of Westlake Financial unethical practices immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Called Home Depot to request a copy of a receipt or charge in 2002 for XXXX ( XXXX XXXX XXXX XXXX ) because XXXX  XXXX ( XXXX ) refuses to honor the warranty if I cant fond the receipt even though I initially registered the product. According to XXXX XXXX XXXX , Home Depot Credit only maintains record for 2 yrs. I was sent given several telephone # ( s ) to call, hold time ( terrible service ) : XXXX ; XXXX ( given 2x-called on 2 separate occasions-one with CSR ) ; 1st time, a female named XXXX claimed doesnt have the capability to look up the information & transferred me. Filed a complaint # 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 2017-07-21
Company: The Best Service Co.,Inc
State: CA
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 copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from The Best Service Company. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted The Best Service Company multiple times, the last being on X/X/2017, for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from The Best Service Company.

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 2022-01-25
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt verification letter in XX/XX/2021. The company didn't respond within the 30 days time and have continued to try to colect on the debt. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date that this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 
Whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Please provide the name and address of the bonding agent for TSI/Transworld Systems , Inc in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
About a month ago I applied for one of your credit cards I gave you all my information address date of birth phone number social security number I even gave you my drivers license number a few minutes after submitting the application you said that it was denied because you couldnt verify me so I called the number I spoke to a woman who knew absolutely nothing she said that some automated system said they couldnt verify mean but she couldnt tell me exactly what it was she couldnt verify she suggested I reapply a few days later why I waited a little longer than a few days but I reapplied just a couple days ago Application ID XXXX once again I gave you a ton of information more than what most applications asked for I mean you asked for my employers address you asked for my drivers license information I gave you were off but once again you send me a notification saying you cant verify who I am how was that possible? With all the information I gave you if you cant verify meet what is it that youre missing I answered all of your security questions I know sometimes credit reports can have different things on them but theres no way that twice I answered all those questions wrong I just dont believe it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached to Bank of America, a few times to let them know that they sold the account to a collections agency. Despite, me paying the monthly balance with XXXX XXXX  of this card it is still being negatively reflected on my credit report with Bank Of America. Attached is a copy of the debt on my Credit Report.

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 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. I've also attempted to remove the late payment by challenging it thru the credit bureaus. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My name is XXXX XXXX and I currently have a Business Account with Bank of America, " XXXX XXXX ''. I have over {$5500.00} of overdraft fees in the last three months and a  larger amount totaled over the span of being a so called " Loyal Customer ''. I believe their is a flaw in their XXXX XXXX, which they have purposely planted, that manipulates personal accounts also called in the business world as " Petty Pinching '' where they attack small account with petty amounts at a time where there is no option for the customer to regain their money. This amounts to over millions of accounts, which ( {$35.00} ) simple overdraft fees could help with their corporate stocks immensely with free money stolen from their own customers. I need help suing Bank of America for my money back and to stop " Petty Pinching '' from affecting others in the future. They are aware of this buy either play XXXX or are blind to the situation from the inside of their corrupt corporation. I also believe that with the help of some tech savvy guys they could find the exact flaw in the system.

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 2022-01-25
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:
I have been a victim of mistaken identity. My father and I have the same name and there are many of his accounts on my credit report. After 45 days, I have pulled my credit reports from two of the credit reporting bureaus XXXX, Equifax and these accounts that do not belong to me have not been removed from my credit reports. 
XXXX accounts to be removed : XXXX XXXX Date opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID No Close date ; Reporting 7 derogatory late payments XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID NO CLOSE DATE ; Reporting 5 derogatory late payments XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX NO CLOSE DATE ; ACCOUNT STATUS : CLOSED Reporting 1 derogatory late payment XXXX XXXX XXXX XXXX ; date opened : XX/XX/XXXX NO CLOSE DATE ; Account status : closed EQUIFAX account to be removed : No account name listed Acct : XXXX date XXXX No Close Date ; Reporting 19 derogatory late payments No account name listed; acct : XXXX Date opened : XX/XX/XXXX ; account status : closed I am also including a copy of my drivers license and proof of address and current credit reports showing the above information.

Company response to consumer: Closed with explanation