BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-01-08
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the consumer, original creditor and natural person. Navient has committed mail fraud pursuant to 18 USC 1341 by mailing me bills on a weekly basis requesting payments on fraudulent loan accounts that it opened in an attempt to defraud me to obtain money from me. Pursuant to 18 USC 8, the United States is responsible for all bills, not the consumer. Navient is a treacherous, devious, and evil entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently received a notice that I'm being sued by Velocity Investments over a debt for over {$11000.00}.

I've never heard of Velocity, nor am I aware of such a large debt as most of my debts were settled in a previous debt consolidation.

The only debts I have in my records now are a recurring credit card payment and medical bills that don't add up to anywhere near that amount. Nothing else shows in credit reports, or I'd be able to see information on it or possibly dispute it. I'm neither aware of where this supposed debt came from or who Velocity is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CBC Companies, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express is doing 'Bait & Switch ' : They send you a credit card promotional offer and then renege on the promotion.
BACKGROUND : I was sent Amex Gold card offer by American Express for 50k points after {$2000.00} purchase within first 3 months of account opening ( RSVP Code   XXXX   ).
In the past, I had Amex Gold card that I had closed more than a year ago ( last card closed on   XXXX   XXXX   that is why American Express sent in   XXXX   XXXX   a new offer ) American Express promotion letter and subsequent documentation did not say anything about having prior card. Attached is the documentation that American Express sent to me : 1. The promotion letter 2. The letter accompanying the card 3. The booklet showing the promotion.
4. Application screen ALLOWING me to apply.
Nowhere did it state that I am not eligible, since I had the card more than a year ago.
Nevertheless, out of abundance of caution, I checked with American Express customer service and was told that I was ELIGIBLE for the promotion since the account had been closed over a year ago. Based on that assurance, I got the card and fulfilled all the obligations of purchasing more than {$2000.00} within 3 months on  XX/XX/XXXX 
American Express admits to mistake but will still not credit 50k points that I am entitled :   XXXX   XXXX   from Amex Executive offices called on XX/XX/XXXX  & agreed : - That Amex should not be sending invitations when they specifically know I have had the card before and am not eligible - She also agreed, that customer Service should not be giving me wrong information that I am eligible to apply for the promotion, when they know specifically from my RSVP code, that I have had card before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to get a payoff on a Truist Mortgage. Called BB & T and Suntrust and neither can access account. They supposedly have merged! 

Have been on the phone with Truist XXXX number and they have a wait time of greater than 25 minutes. They say to call back in a week or so. That will just add interest to the payoff amount.

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 2023-10-13
Company: Block, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
We own a XXXX XXXX company, in which a client paid us {$40000.00} through square. Her payment cleared 3 weeks ago and they are refusing to release our funds. That money is to be used to purchase her XXXX XXXX products if we dont have the money, we can not provide the XXXX or service. Our company is a small business and because of this refusal to release our funds, we are going under. We can not afford to lose our business, as it is our livelihood and we will in turn, lose our home. 
Every time we call them, we are told, it is under review with the review team and we will be contacted in 1-2 business days if additional information is needed. We have provided every documentation needed, as they come up with something new each week. We can not afford to wait much longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CBC Companies, Inc.
State: OH
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:
This appears to be a XXXX credit card account # XXXX. I have disputed this account with Innovis numerous times and a thorough investigation was not completed. The account is reporting as charged-off with no historical history. It is listed as a collection/charge-off account, but reporting a positive payment history with XXXX as if payments are being made up until XX/XX/XXXX. It states that the last payment was made on XX/XX/XXXX. This information does not match with what is reported for XXXX and has been changed numerous times with Innovis without explanation. Innovis continues to report inaccurate information and continues to extend the date for removal on my report. Due to this, it has continued to affect my credit report over the past few years even though it states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent proof of these unauthorized inquires to XXXX and Transunion XX/XX/2021 and I have not gotten a response from neither company yet. I have proof in the FTC Identity Theft Report and attachment labeled as Exhibit A-B that all of the companies are in Violation of 15 USC 1681 N. The companys willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1681. They are now civilly and criminally liable for those Violations.

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 2017-07-04
Company: Experian Information Solutions 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 information incorrect

Complaint:
I spoke with XXXX XXXX XXXX corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that XXXX XXXX XXXX  would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from XXXX credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about XXXX XXXX XXXX and XXXX. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however XXXX  just keeps updating it and not deleting it off my report along with experian it is still reporting.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of XXXX XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank account.

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 2017-05-19
Company: EQUIFAX, 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:
I contacted Equifax on XXXX-17 to make them aware that this account XXXX XXXX XXXX XXXX account # XXXX is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account. I 've provided Equifax with an Federal Trade Commission Affidavit and filed a police report about the incident and sent a copy to Equifax. To date Equifax has yet to block this information from my credit file. I will attach a copy of the correspondence I mailed to Equifax about the incident within this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
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: Old information reappears or never goes away

Complaint:
I have been trying to get an issue resolved with the bureaus in regards of some accounts that aren't mines, I have been a victim of identity fraud and there has been several situations of unauthorized accounts coming up, the bureaus tell me to send a ftc report to get them remove so they have proof I filed a report. I want these items permanently blocked and removed from my report, I took precautions and blocked my reports added security and fraud alerts for my protection.

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 2023-09-24
Company: Uplift, Inc
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am an XXXX XXXX XXXX currently on XXXX XXXX. When I took out the loan, I was still XXXX XXXX and on XXXX. 

Firstly, I am unsure if this company was allowed to charge me an interest rate of more than 6 %. They charged 29 %, I believe. 

I was paying the loan off through XXXX and I believed the account was paid in full. 

I discovered months later that I had a balance of XXXX which Uplift had placed on my credit report. This decreased my score by over XXXX points. 

As an XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I dont always have opportunity to check my credit, but I do make sure that I pay my bills on time every month. 

Uplift refused to remove the negative marks from my credit despite these facts. My credit is suffering as I serve this country because of XXXX XXXX XXXX. 

I have notified my XXXX and if this is not resolved, this company may be blacklisted. This will save other soldiers from going through what I am going through now. 

When I come home in XXXX, I had hoped to buy a house. I am uncertain if I will be able to do so now because of Uplifts unwillingness to support hardworking servicemembers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
During our stay on XX/XX/2018 at renaissance, XXXX, NJ. Front desk manager name XXXX offered us $ XXXX points and that he would adjust the per night rates to the lowest rate to compensate the inconvenience caused to us by the hotel and room not being cleaned up to the standards. To this day neither the rewards points shows in my statement nor the charges have been adjusted. 

On a separate occasion during our separate stay at a different transaction and different property General Manager, XXXX XXXX sent me an email offering {$3000.00} point in my account in response to a survey I completed. These points havent been showing up on my account either. Copy of email attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Nelnet, Inc.
State: PA
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:
I just checked my credit report and XXXX and XXXX is reporting student loan with Nelnet in the amount of {$38000.00} on my report as being past due on XXXX in XXXX as 120 days late. On my XXXX report it states in that same time frame in XXXX I am 90 days late, This is incorrect. 

In accordance with the 15 U.S. Code 1679c this agency is reporting incorrect information to the credit agencies which in turn is dropping my credit score. Please remove this incorrect information off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I authorised a final payment with NFCU on XX/XX/XXXX for my account and provided my bank account information. Now nearly a month later they have not only failed to process the agreement but claim when I call that it should have been completed by now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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: Reporting company used your report improperly

Complaint:
TransUnion reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me XXXX  and I'm seeking litigation.

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