BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with XXXX, Experian and XXXX who has been reporting incorrect information for five years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( XXXX ) as soon as possible. 

Sincerely, [ 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 2018-05-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
onXX/XX/XXXX, I contacted XXXX XXXX XXXX in regards to a debt that this company purchased from XXXX XXXX XXXX  in an attempt to help repair my credit score. I was connected to my " account manager '' XXXX XXXX who indicated that I could settle the debt by making five payments of {$100.00} for a total of {$540.00} ( the amount of the debt ). I made the five payments to this company as agreed via money orders for which I have proof and proof that the company cashed all 5 money orders I  mailed to them. OnXX/XX/XXXX when I called to get a final payoff letter so that I can submit to the three credit bureaus, I was told by the representative that my account is still lacking two payments. When I asked to speak to a supervisor to attempt to clarify this issue, I was transferred to a XXXX XXXX whom said he was the supervisor. He also said my account was short 2 payments and really did not care to hear or investigate my complaint. I then asked for another supervisor or financial officer and was transferred to a XXXX XXXX who identified himself as the customer support supervisor. He offered to investigate my complaint taking down my information. When I called back on XX/XX/XXXX, I had to start the whole fiasco over again with representatives who had a very eminent language barrier and acted like they had no idea what I was talking about. to this date XX/XX/XXXX, I have not heard from this company in regards to this complaint, nor have they issued me a letter stating this account was paid in full. I feel this is a foreign call center whom is praying on individuals trying their hardest to pay off their debts. I feel they committed fraud by cashing these money orders as payments and then denying they were ever received. I don't want anything from this company except a letter stating my account was paid off in full so that I can submit to the credit bureaus to help rectify my credit. As consumers we have the right to this if we have done our part and paid off our debtor in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX  I made a purchase for {$110.00} from XXXX for 4 pairs of legend of XXXX swim trunks. Said company sent 4 pairs of flimsy shorts with no mesh in the XXXX for support of XXXX XXXX I emailed the company and they claimed I ordered board shorts and the ad was taken down, then reposted temporarily with the correction board shorts before taken down again. They asked me to submit a screenshot of the ad, and I told them it was removed. They then asked me to return them in exchange for a 15 % discount on a future order. I declined requsting either my correct order or a full refund. They came back offering a 5 % DISCOUNT. I said absolutely not. They then asked if they could send a partial {$80.00} I said no. 
XX/XX/XXXX I called chime and filed a dispute. They said I wasn't allowed a provisional credit bc it was above the allowable amount, but I'd have an answer in 90 days. 
XXXX XXXX XXXXXXXX 20 days later I was not issued any credit. 
Meanwhile, I'm still arguing with nursecloth, asking for a refund. Bu this time they begin asking for my bank information. I said absolutely not, they had my card information. They said they were getting declined processing the refund allegedly. Chime claimed there was no attempt on nursecloth side to send any money. 

A 3rd party ( XXXX ) began emailing me for my bank information because they allegedly were having problems issuing a refund. I told them they can XXXX me the refund or other acceptable means but they insisted on my bank information. 
They also begin telling me that since the dispute is open, it's preventing the refund, I must close the dispute before I get my refund. Obviously if I close the dispute they'll never give the refund bc it'll look like the account was settled Meanwhile XXXX is 90 days and chime denied my claim stating there was no error on XXXX part. They said I needed to file an escalation and they'd send me a letter on why I was denied ( they never do send any letters ). I submit appeal with all correspondence from XXXX, mapiet and myself. 90 days, denied, XXXX filed appeal, allegedly nothing wrong, included email where XXXX admits I'm due a refund and received nothing, 90 days XXXX same cycle. No explanation. By this time, XXXX has shut down the website, they have blocked me, mapiet stopped responding and chime insists I can sue if I want but nothing will come of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1200.00} FCRA XXXX : hard enquiries not mine XXXX 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: TN
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
I am submitting this complaint due to an inaccuracy on my credit report. The creditor, PORTFOLIO RECOVERY ASSOCIATES , LLC, is reporting the account open date as XX/XX/XXXX, which is incorrect. This date represents when the debt was acquired by PORTFOLIO RECOVERY ASSOCIATES , LLC from the original creditor, XXXX XXXX XXXX  ( XXXX ), XXXX, and not the actual age of the debt. 

The original account open date should be XX/XX/XXXX, as provided by the original creditor. The last payment made towards this account was on XX/XX/XXXX, for the amount of {$170.00}. The correct reporting of the account open date is crucial for an accurate representation of my credit history. 

I have already submitted disputes with the credit reporting company to address this issue. However, the account open date continues to be reported incorrectly, even though the documents they provide show an older date. This inaccurate reporting is negatively impacting my credit score and causing undue financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
These inquiries are on my XXXX report and i need them remove XXXXXXXX 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 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 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 transunion 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 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 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 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 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 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 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 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 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 2022-02-10
Company: U.S. BANCORP
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:
Elan Financial Services ( Elan ) XXXX : DISPUTES XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Reporting Disputes - XXXX XXXX XXXX Elan Financial 's continued incorrect reporting to the three credit bureaus. The incorrect reporting is due to Elan 's non compliance with Regulation Z - Truth in lending, Fair Credit Reporting Act, Unfair/Deceptive Business Practices , and failure to comply with Record Retention Statues. 

Truth in Lending ( Regulation Z ) : Notification to take Adverse Action ( s ) Failure to notify customer ( XXXX XXXX ) within the time period designated by current rules and regulations that any other adverse action was going to be made. In addition, Elan continued to charge fees and interest charges after the account was put in for collections and charged off. 

Incorrect Reporting to the Credit Bureaus : Elans reporting shows an amount of {$9700.00} charged of and closed on XX/XX/XXXX. ( This amount is in question. ) Also reported is a delinquent balance of {$10000.00}, and reporting of delinquent payments as of XX/XX/XXXX, and continues after the account balance was charged off. Once the account balance is charged off, there can no longer be an outstanding balance. This is a violation. 

Deceptive Disclosure information on monthly statements. Elan Financial does not appear on the 1st page. They answer the phone number on the statement, " XXXX XXXX, XXXX XXXX XXXXXXXX ''. In reality, the caller is NOT speaking to anyone at XXXX XXXX, but a CSR Rep from Elan. 

Failure to disclose Elan Financial as the service provider for XXXX XXXX on the 1st page to their Service Agreement ( also not dated ). Elan Financial does not appear until Page 7 of 9. 

Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] Appendix E to Part 1022 - Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Violations occurring by not : ( h ) Deleting, updating, and correcting information in the furnisher 's records, as appropriate, to avoid furnishing inaccurate information. 
( i ) Conducting reasonable investigations of disputes. 

Failure to comply with Record Retention Statues : Per Elan 's own correspondence of XX/XX/XXXX & XX/XX/XXXX, " Upon acquisition of my account in XXXX and their completion of their conversion, they ( Elan ) no longer has access to this information. ''

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 2021-10-08
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am a long time Citibank customer. Citi recently released a new promotion where you can receive a {$1500.00} bonus if you deposit {$200000.00} into a checking account in their Citi Priority or Gold premier banking accounts. I was told by Citi customer support that I would be eligible for the offer, but I needed to open a second Citi profile and deposit {$200000.00} or more in New to Citi funds into a checking account. This was annoying but I did it. I was just told by the Citi banker that I am not eligible for the bonus despite fulfilling the terms because I have another Citi profile. I can file a complaint or some nonsense with Citi. Please help me get the bonus that Citi promised me.

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 2018-05-10
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Seterus, Inc. took over my mortgage loan. I have had problems with this company for several years. They told me for a very long time I had missed a payment, after sending them all of my bank statements to prove that I hadn't missed a payment, they found out they applied a payment of mine to the principal amount, not my mortgage payment. I have been told I was late several times when I mail my mortgage check to them several weeks early. I have been told that I've missed payments and been late and have to continue to scan them documentation to support that they have cashed my checks. I have tried to refinance with a new mortgage company but I also have problems with this because Seterus does not report any payments to the credit bureau.

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 2022-11-15
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying my homeowner 's insurance within my mortgage payment monthly since XXXX of XXXX. I have not missed a payment. My homeowner 's insurance renewed in XX/XX/XXXX. I have been paying my mortgage and insurance payment each month. XXXX XXXX came through the end of XXXX. Immediately after the storm I called my insurance company to make a claim. I was told at that time that my policy was cancelled in XXXX of XXXX for nonpayment. I immediately called M & T Bank ( XX/XX/XXXX ) and asked why the insurance had been cancelled. They stated that they sent the payment put but it had been returned. When I spoke to the insurance company, they stated that they had made several attempts to communicate with the bank with no response. When I asked the bank why they had not notified me they stated that they had sent a letter in XXXX. I explained that I never received a letter. Subsequently, after this conversation they did send me a letter dated XX/XX/XXXX that my insurance had expired. They stated at that time that hazard insurance is required on my property, they were planning to insurance for my property. They did contact me with their insurance department on the XXXX and I submitted a claim for the damage. I have received a letter from XXXX dated XX/XX/XXXX with a claim number but the policy number is marked unknown. I have since spoken to the insurance company and have been told that they can not move forward until they hear from the bank. I have called the bank several times after this conversation with the insurance company and no one knows anything about having to contact the insurance company. Furthermore, this will be a new policy and they explained that they are not sure that they will be able to cover the damage from XXXX. Now XXXX has come through and made things worse. The bank will not take any responsibility for their mistake. Further, they have been taking my insurance payment for 9 months and not paying the insurance premiums.

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 2023-01-16
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/23 Cashapp held {$470.00} of my funds claiming to be investigating. They first said investigation would take an hour or so and now they are saying XXXX business days. They will not inform me of why they are holding my funds. It should be against the law to hold money that does not belong to them. 
Ive asked for them to just release my funds and close the account. They have neglected to do so. This is bad business! Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
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. 

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 XXXX 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 2021-11-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am recently look at debts and negative information on my account because i'm just getting back on my feet. I'm a XXXX military veteran who was XXXX due to XXXX XXXX while in the military. While XXXX I was being taken care of by my family ( kids, their mothers, and my parents ). I had to XXXX XXXX XXXX XXXX XXXX XXXX, and focus through drills and XXXX XXXX. While all of this was going on, there were accounts that may have been opened without my permission and I was taken advantage of by my own family. My credit is horrible because these accounts were opened with no intentions of repayment and i've tried a million and one times to get this stuff taken off. The truth of the matter is that it doesn't matter what happened to me, this company just wants their money. I am asking for help as I feel so helpless in getting all of this fixed and I dont know what else to do because I can't afford a lawyer. PLEAESE HELP

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