BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: American Location Specialists
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The Company " American Location Specialists '' contacted my employer and my wife ( fiance at the time ) regarding a case that was going to be filed by a payday loan company called " XXXX ''. During the phone conversation, they were unable to provide any proof that I owed any money to this company and represented themselves as a company that just calls and warns citizens before they're about to be sued. They pressured me into paying over {$2000.00} ( I'm still paying monthly ). I had financial trouble about 6 years ago and figured something was coming back to bite me. But recently, I asked this company for proof of what I owed again and the contract of the loan I supposedly signed with " XXXX XXXX and they were unable to provide that information. 

I would like to both submit this formal complaint due to XXXX collection tactics ( calling my employer and wife ) as well as investigate if I should really be paying this company {$200.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got 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 2023-11-10
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit 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:
American dispute reference # XXXX Merchandise : XXXX Dispute amount : {$930.00}, under order # XXXX Date 0 : XX/XX/XXXX, original purchase Date 1 : XX/XX/XXXX, get credit back almost instantly after submitting dispute Date 2 : XX/XX/XXXX, re-bill my account, resubmitted dispute XX/XX/XXXX, re-submitting dispute Date 3 : XX/XX/XXXX, credit back to my account Date 4 : XX/XX/XXXX, re-bill my account XX/XX/XXXX, re-submitting dispute Date 5 : Till now, requiring Amex today, saying still reviewing the dispute. 

Reason of dispute : Order was mis-deliverd to parking lot, while I filled my correct address indicate an home delivry with XXXX XXXX XXXX. I'm unable to find it. It misses. 

Delivery proof : You can see the delivery proof picture is a parking lot, not my home. 
Fedex # XXXX, https : XXXX? XXXX & XXXX The address I filled : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
( The address is valid, the order also from XXXX ( XXXX # XXXX ), XXXX XXXX, and XXXX XXXX, did successful delivery. ) The response of Amex 's re-bill : In response to your inquiry the merchant has provided the charge details including the explanation of the charge as the merchant states photo evidence is of the parking area in the front of the " The Den '' which is a student housing complex and not of a roadside. 

My complaint : how could American Express re-bill me, even they know ( and XXXX also admitted this area is not my home, it is a parking area ) The package was misdelivered to parking lot is not right, XXXX should be responsible for their package delivery arrangement. American Express should not re-bill me, and credit me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: Experian Information Solutions 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:
Sent a dispute letter for several accounts to Experian on or about XX/XX/2020. Received certified return receipt stamped received XX/XX/2020. It is now XX/XX/2020 and I have not received a report or status. Attempted to contact Experian today via phone to inquire and ask that they remove disputed items and they refuse, could not get a live person on the phone only automation. ( FCRA ), 15 U.S.C. 1681 et seq. / FCRA Section 623 states if info can not be verified as accurate etc. within 30 days it must be deleted. Its been over 90 days, the items I disputed should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I entered into an agreement with Square, an online company processing credit cards for small business. Between XX/XX/XXXX and XX/XX/XXXX I processed {$22000.00} in customer charges at my estate liquidation Sale. Square is now refusing to deposit those funds to my bank account as promised. Further more the sent an email stating the were deactivating my account and would holding my funds for 90 days. The did not give an explanation or contact info. I dug up a consumer call XXXX in XXXX. Talked to at least 10 different people. 
No help. I tried to contact the '' corporate offices '' in XXXX and their phone number just sends you backto the XXXX call center where they read from some script. I am XXXX and aside from Social Security make a little income from estate liquidations. 
I had to pay my client {$21000.00} today out of my ownsavings. I do not know if or when this company will release my funds. At this point I would like to see them sued for elderly abuse, financial fraud, personal injury from the fear and anxiety brought on by their failure to do as promised, as well as false advertising!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2020-12-29
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI has failed to send the legally required validation of a debt currently reporting to the three bureaus. I have notified the company that their actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Nelnet, 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: Information belongs to someone else

Complaint:
I am XXXX that you have included DEPT OF ED/NELNET information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my consumer report, I have found that there are fraudulent items listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following fraudulent items I wish to dispute on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. By Federal law you are requested to list complete accurate information and you are listing XXXX fraudulent items. I have never lived at the properties listed. I have lived at my current apartment for over XXXX years. I have attached a copy of my Identity Theft report, State ID and social Security Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 mailed an inquiry dispute letter to Transunion but Transunion did not investigate the disputed inquiries listed on my dispute letter. Instead, Transunion sent me a letter explaining what inquiries are. Transunion is being negligent and malpractice because they are breaking laws set to protect consumers under the Fair Credit Reporting 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 2022-08-19
Company: EQUIFAX, INC.
State: PA
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 disputed the validity of a collection company reporting incorrect information about me and causing harm to my consumer report. XXXX XXXX XXXX is reporting a collection that I owe a debt in the amount of {$1300.00} to their institution. I, XXXX XXXX , does not have any obligation and or contract with the SECURITY CREDIT SERVICES. The company forwarded a communication addressed to XXXX XXXX XXXX BUT REFERRED TO A XXXX XXXX. I DO NOT KNOW A XXXX XXXX. 

IN accordance with 15 USC 1692g ( b ) I am requesting the validation and verification of this alleged debt, in which you shall cease collection of.

Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a ) Be taken as tacit agreement to the claims set forth ; b ) Grant the consumer all demand remedies ; or c ) May result in litigation Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED DEBT and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692c ( c ). that you cease all further communication through ALL and ANY MEDIUM except for communication of remedy as the original creditor is demanding the following : 1. Zero out the balance of this account 2. Provide my name, a consumer and natural person, with the documentation showing the account was zeroed out vial certified mail 3. Cease and Desist reporting of the alleged debt collection activity to all consumer reporting agencies before and after this date ; XX/XX/2022. 
4. REMOVE ANY AND ALL REPORTING OF THE DEBT COLLECTION ACTIVITY FROM ALL CONSUMER REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
The closing fees and dates were not the original if I recall. Wells Fargo had my loan originally, then I got divorced and refinaced/repurchased my home. The closing didn't go as planned and cost me more than originally I was made aware of.

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 2023-01-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX. XXXX is truly a mom & pop business.Our accountant going through our yearly tax & finances noted a large check was withdrawn from our business checking account on XX/XX/2022. A image of the check was from a company name of XXXX XXXX XXXX with the address from Washington DC. The check was made out to XXXX XXXX in the amount of {$15000.00} & drawn from XXXX XXXX XXXX brought it to the attention of our bank JP Morgan Chase to the fact of a unauthorized signature, check sequence, incorrect routing number. I was told to order a new account & the funds will be re-credited. A week later i recived notice the claim was denied. I relied on the bank to be professionals in the finance business & obviously have a grooss negligent mistake & should be totally responsible. A police report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: I.C. System, 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:
I received a bill in the mail around XXXX stating I owed a bill of XXXX dollars for a hospital visit. I reviewed the information and realized that this was for a visit that I never had. I have never been to XXXX Georgia but they are claiming that I received services from them as of XX/XX/2020. My issue is that I again have never been to XXXX GA. Now they have placed this on my credit which is becoming a hassle to have removed. In addition to this, me and my insurance provider reached out to the company seeking resolution but they gave us the run around. I requested verification by way of identification they used to process this and they stated I was unconscious. It has been a nightmare and still I am being affected by this foolishness.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-03-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
It started when i got XXXX for the FIRST time in the middle to end of XXXX. I was out of work for a month, and i could not leave the house. Fortunately, i had enough saved up to make all my payments on time. I returned to work and because of XXXX XXXX my company cut my pay 20 %. Then after a month of working at less salary then i was used to, i unforunately caught XXXX XXXX. This time i was out of work for another month, both because i was sick and as precaution. This time i could NOT afford to pay all my bills when i was out. I fell behind on a lot of things but i was able to eventually catch up 5 months later and i have been on time and going strong ever since. I even got my original pay back. I was physically unable to pay on time and because of that, financially unable to do so too. I reached out to CCB, who owns the XXXX XXXX, and tried to beg with them to work with me, not on late payments, i paid them ALL OF THOSE, but on their credit reporting. They not only refused, they didnt even answer me. Those late pays in those months have destroyed my credit and even though i make good money now, i can not get into a house for me and my, now, XXXX kids. We have been renting and are struggling all because of COVID and this company 's unwillingness to work with me even a little bit. I am not asking for " financial relief '', they can keep those late payments as good faith, i just am begging for all, or ANY, of the late payments between XXXX XXXX and XXXX of XXXX to be removed. I know the bureaus will report what they are told so this is up to CCB and they seem to just not care at all about customers or the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: VA
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX- add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation