BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: FlexShopper, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022 I saw an ad from Flexshopper about a XXXX on XXXX. I believe the ad said the same thing I saw on their site ; 90 days same as cash price, with a XXXX on it. Exactly the same device I was looking for but didnt bought because it was still over XXXX dollars most places but this company had it and gave me 90 days to pay XXXX so I thought it was a no brainer. AFTER signing the contract I got an email congratulating the purchase but it had on parentheses the VERY IMPORTANT FACT that as a resident of XXXX, XXXX  or XXXX  I did not qualify for the 90 days SAC option! What!!!!! You telling me this now?!!! -remember saying to my self-. Went back to the site and CONVENIENTLY for them they DONT have NO OPTION TO CANCEL THE ORDER! My new early purchase option was XXXX dollars!!!?? 
I then replied the same email with the notice and they responded a day later that I had to refuse delivery or lease would start. I asked them to be diligent on the matter because I work 6 days a week and most likely I wasnt gon na be home. Wrong of me telling them that. Because they dint even responded until after delivery was made. Now, they will NOT HONOR THE 90 days same as cash and only refund me XXXX WEEK ( XXXX ) of the lease but for that I have leave my work and ship the box to themi must fix their own mistake they say they even charging late fees for that week they put on hold the leasing. I told them it must be a scheduled pick up and they wont accept. Just XXXX weeks ago they updated their site that XXXX  XXXX and XXXX  residents dont qualify for the 90 days SAC option on the site. I have evidence and will upload it to prove that on XX/XX/XXXX their site had the promotion of the 90 days SAC option and on the bottom of their site wasnt the exclusion notice of XXXX  residents. Also, the signed agreement I have w them has no mention that as a XXXX  resident I am excluded from their promotion. This is bait and switch. Guarantee you am not the only XXXX. Please! Do something!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: AL
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 I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: MI
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 was looking at my credit report and I seen I had some negative item on my account that i feel inaccurate i will like to have a full invesagtion on my report to have old address and job remove from 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 2021-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
On XX/XX/2018 Portfolio Recovery Associates added a derogatory mark on my credit report per XXXX XXXX, XXXX, and XXXX app. The collection has been reported as a past due balance i do not know this company, I have never done any business with this company. The debtor creditor did not verify this collection. Also there is no written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Portfolio Recovery Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: ADP Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had a bank account with Wisely for over 3 years before this. I had lost my card and have locked the account but had to unlock for a certain time because I had to make a transaction. While it was unlocked, I saw XXXX unauthorized DDS transactions made by XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/29 for an amount of {$1300.00} and {$1300.00}. I called Wisely phone number and filed a dispute against this charge and they blocked my banking and online account hoping that this would stop them from taking more money from the account. 
However, days later on XXXX the XXXX companies were able to make the same transactions again but a higher amount. I called and asked why they were able to take this money and they said that they can not do anything about this even though the account was locked and I flagged these XXXX vendors earlier. I usually get notifications too on transactions over {$200.00} and I never got a notification on this. So I proceeded to dispute this again and asked them to overnight XXXX my new replacement card. 
On XXXX, XXXX XXXX was able to take out money again and I was getting XXXX because there was nothing that Wisely was doing to stop these transaction from going through. I called and asked them to send my money to a different bank account but they said that they can not even do it and that I would have to go to a bank to transfer that money. I filed a 3rd claim and then later on got a new card and unlocked that card. 
I thought that since I got a new card and, in turn, a new account, that they would not be able to transact more money but XXXX XXXXXXXX XXXX took out {$1500.00} on XXXX. At that point, I had emptied by bank account and transferred all money to my parents. But in total, I lost more than {$8000.00} and have disputed all these transaction and Wisely has done nothing about it. I don't know this exact number because Wisely has blocked my online account again and I can see the transaction made. They said that these disputes take up to 90 days so I am not sure what I can do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: OLIPHANT FINANCIAL, LLC
State: UT
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:
As XX/XX/XXXX I've called and spoke with customer service about a fraud that put on my account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account # XXXX this company stated the account was open in XX/XX/XXXX I have told the agent was a victim in of fraud in XXXX as well and I assured they would ask for documentation of proof and today I received and email stating it's Verified as accurate.I request XXXX to provide Proof of certified documentation of accuracy of this update to my credit file. This collection company is not licensed in my state nor did this company send my a letter of dispute by mail. I request proof of signature and proof what address when this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSWORLD SYSTEMS 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: Reporting company used your report improperly

Complaint:
THIS IS MY FINAL ATTEMPT TO RESOLVE THIS ISSUE AMICABLY AND OUT OF COURT! YOU PREVIOUSLY IGNORED MY INVOICE SENT CERTIFIED USPS MAIL ( TRACKING # : XXXX ). FIRST AND FOREMOST IVE NEVER DONE A TRANSACTION WITH TRANSWORLD SYSTEMS INC. SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. TRANSWORLD SYSTEMS INC. HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! IF YOU DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS YOU ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS TRANSWORLD SYSTEMS INC. KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. TRANSWORLD SYSTEMS INC. REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( ONE HUNDRED THOUSAND DOLLARS ), AND EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
when i filed my taxes last year i had a letter stating that i qualified for the {$1400.00} EFTIC Credit  and when i filed my taxes through Cash App i never received the tax credit they only gave me the {$630.00} state and federal taxes i was eligible for and i was wanting to know the best way to go about handling this for this years taxes?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

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 2023-01-08
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-01-08
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX is not showing correct information on credit reports. The have a Charge Off showing on my 3 major credit file. They have fail to provide that I was 180 days late to put a Charge Off on my credit reports. The reporting is inaccurate information that needs to be removed. The account was paid in full. The 3 major Credit Bureaus needs to follow the law and not do what they want to do! People are loosing faith in this 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 explanation
Consumer complaint received 2023-01-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We don't have a major complaint, but were advised to send this message by our financial counselor as it happened while he was on the phone with Cardinal Financial during our phone call to them to receive information regarding loan modification. The number we called to request information ( XXXX ), we were requesting the name of a loan servicer on our account, we were not aware we hadn't been assigned one at that point. The employee answering the phone said she was 'just a call center ' and did not have that information, our financial counselor asked to speak to a supervisor and she put us on hold and returned several minutes later and stated there was no one available for us to talk to, so he did state that based on the CFPB we did have a right to speak to someone to receive help with our questions and the employee hung up on us and we did not receive a return call from Cardinal Financial. We did, however make another call later in the afternoon and were assisted by an employee in the Foreclosure Dept named XXXX and she was extremely helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00}

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 2023-08-05
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Alliant Credit Union had promotion offer in XX/XX/2023 on their website to give {$100.00} bonus with requirements. I downloaded the complete offer page and attached it to this complaint to show the original terms for the bonus. It listed three steps to get the bonus. I followed all of the three steps but did not get the bonus. 
The step 3 requirement in the offer says Have a minimum daily balance of {$1000.00} by XX/XX/2023 and maintain that minimum balance through XX/XX/2023. Then, you'll receive your bonus deposit within four to six weeks. 
After I followed the link on the offer page and opened my account on XX/XX/XXXX, I deposited {$1000.00} on XX/XX/2023. I maintained this balance through XX/XX/2023. This should qualify the requirement. However, I did not receive the bonus. When I called Alliant they told me that I did not have average daily balance of {$1000.00} for the whole month of XXXX. I told them this is not the requirement in the offer for the bonus. My understanding for the requirement is that I need to deposit the {$1000.00} before XX/XX/2023 and keep it through the whole month of XXXX. My friends all have the same understanding as mine, and they did the same thing as I did, and they all received their bonus in XXXX. But I did not. 
I made many phone calls for a whole week and talked with several Alliant representatives. I also talked with a supervisor two times. During each phone conversation I was told they would submit to the back office for review. But each time my request was denied by the back office. I have no choice but file this complaint. I have been stressed for more than a week and spent a lot of time on this issue. I am asking for the {$100.00} bonus plus {$300.00} for all the time I spent on this and all the stress I went through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-11-17
Company: Experian Information Solutions Inc.
State: SC
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:
The following companies did not reinvestigate the alleged accounts. XXXX XXXXXXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, XXXX XXXX XXXX XXXX XXXX Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the alleged debt since you sold it. XXXX XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, the correct balance, proof of ownership stating that you are in position to collect the debt, you have the right of assignment, prove to me that the creditor did not directly partner with you. I demand verification of the original creditors information including their name, telephone number and address. XXXX XXXX XXXX, charged off this account as a profit loss to the IRS. The account is still reporting transactions and experiences, which is a violation of my consumer rights under section 15 USC 1681. Since this account has been written off as a profit loss, I am requesting a form 1099c form- cancellation of debt, since the amount is over {$600.00}. The balance was {$4100.00}. The balance has increased to {$4200.00}. The original charge off is {$4000.00} and the high balance is {$3900.00}. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, and that you wrote this account off as a loss profit to the IRS. if the balance was written off as {$260.00}, why is the amount due is {$450.00}? EXPERIAN has not updated me with any correspondence. Please send all correspondence to the address that is being provided in this complaint/dispute.

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