BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX is claiming I was late 3 or delinquent 3 times on my credit report. XX/XX/2019, XX/XX/2019, and XX/XX/2019. Ive tried several times to get this corrected and prove that I was not delinquent, however when I try to access my statement history for anytime past 3 months, the system doesnt allow me. Ive called in several times regarding this issue and have been transferred to multiple departments, all of whom also cant access this report. Ive disputed this with XXXX, XXXX & Experian to provide proof I was late so I can see this information, Fairwinds has claimed I was more than 30 days late 3 times and that I hadnt made a payment in the 60 day timeframe, I however have attempted to using my XXXX XXXX  with account # ending in XXXX. Their website rejects the payment as an external source without explanation or notifying me, so I can use their banking services. An executive with the company denies this, which of course is a lie. Ive called in to make payments using external banks and they charge erroneous & unduly fees on the consumer. They claimed to have sent me letters explaining the delinquency, however they sent it to a wrong address that is not on my credit report. They repeatedly refuse to rectify this. Ive emailed XXXX XXXX - CEO and got a response from one of his executive who claims that this information is accurate and refuses to provide proof or any investigation into the myriad of phone calls Ive had with multiple departments, so I cant access previous statements, get an investigation into the several phone calls and I have his executive saying thats all part of the FCRA and thats why they cant remove it. This information is reflecting negatively on me & my creditworthiness. Its unduly, burdensome, erroneous, misleading, inaccurate and Im asking for it to 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 2023-08-17
Company: Experian Information Solutions Inc.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-11-29
Company: Duvera Billing Services, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company gives you option of auto pay or paying manually. I pay manually because often times my pay days are not aligned with their pay schedule. Just this month, they took a payment from my checking account for a payment I did not authorize. I called them the same day and asked them why did they do this when clearly my account is NOT on auto pay. They said its in their contact that they can do what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX OF XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXXXXXX 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 2018-10-28
Company: U.S. BANCORP
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:
XXXX US BankXXXX is excessively holding funds that were on pre-authorization from a hotel stay I had at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. The property has been willing to work with the card company but the card company 's representatives consistently give erroneous information. I was first told that upon submission for card XXXX XXXX XXXX XXXX that as long as there was a CARD ID provided that the amount given on the merchant release letter did not have to match what the card company has. This is significant because the card company charges an additional 20 % of incidental charges for any service industry charge yet the property can not see that. Each time the merchant sent a release form it takes four hours to process for each mistake is costing me four hours of waiting time. The property doesn't normally submit a form on a charge that they can't see buy again, to assist they did so. I conferenced in the property with the bank and agent XXXX XXXX is on recorded line stating with confidence that it the hotel would re-submit the form with the amount " {$80.00} '' that, that amount would be released as of yesterday XX/XX/18 that she would be able to release once the fax was processed. So Again I waited another four hours, a total of eight. I had no where to stay and that amount was to be released so I could get room and board. Approximately XXXX XX/XX/18. I called for the release and was now told that information given be XXXX XXXX was erroneous this makes two conservative call like this. To compound the issues subsequent agents were rude and unwilling to assist and they were address with an appropriate response. I then got Ms XXXX XXXX back on the line in which she completely contradicted herself bringing her integrity into question. I then spoke to someone claiming to be her supervisor who continued to reiterate lies. All the while I, the customer have no place to go until my money is released days from now. This is also hours after the property who originally submitted the charge had placed in writing that they were releasing that amount and would not purchase any additional amount for payment. My bank, the institution that's supposed to protect now punishes me with bad information and lies and in effort to cover it up they continue and instead of helping their own customers and this pattern has caused me to seek damages. Please assist

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 2021-05-30
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My Binance.US account has been blocked and have been unable to trade since XX/XX/2021. There is no customer support but only robots responding. Im still able to log in and but unable to withdraw XXXX or sell or buy any crypto. Im still able to deposit usd. Thats why I have XXXX  available but I cant even withdraw it. It originally was from a chargeback but I made a deposit that fixed the chargeback and got a email 45 days later saying looks like youve fixed deposit and account will be enabled within 7 days and still no response its been another 45 days and still no response. And account is still disabled. I originally had XXXX in there then deposited another XXXX and value was XXXX usd then. Every day my value is going down and unable to buy trade or withdraw. Feels like I got scammed Binance. Us needs to be held accountable its thousands of users on XXXX  with the same experience and Ive been pretty patient but now this is unacceptable. I get response from robots saying issue resolved and that if I need anything else respond back but Ive yet to receive any correspondence all the while the market is crashing and Im losing value everyday. My support ticket number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: ProCollect, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have never done business with " Procollect Inc '' at procollect.com. I thought I owed them money and found out that I never did. Procollect Inc made threats to damage my credit and my significant other 's credit as well. I now feel foolish and cheated for paying these people, only to still have a derogatory mark on my credit. This has financially impacted both myself and partner. I never signed any contracts with this company and I did not give permission for them to have my personal information. I looked these people up on the internet and it appears as though they have scammed many others. The business is not XXXX XXXX XXXX XXXX XXXX XXXX  accredited and has XXXX complaints from the past 3 years logged against them at the time of this submission. I paid the debt to these people because I thought that that I really owed them as I am both young and didn't know better at the time. They called me multiple times and threatened legal action if I did not comply with their requests to pay by their specified deadline. 

My partner and I collectively paid {$560.00} on XX/XX/2021 and our credit was lowered over XXXX points each via reporting from " 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 2023-08-17
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-01
Company: Experian Information Solutions 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:
This complaint is my follow-up on my previous complaint dated XXXX  to notify you to remove the items which keep appearing on my file that I've already disputed time and time again. Please remove these erroneous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-07-05
Company: Foursight Holding LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a payment agreement due and spoke to the account manager on XX/XX/23 and she agreed to accept my payment, although my account was behind, on XX/XX/23. Then we discussed once this payment was made we would set up a 30 day extension, I believe she called it something else though. I had already proven I would catch it up because I have been in an unusual situation and had a crime victim service claim pending and caught it up by paying every other week until it was current. I believe this was why she agreed to work with me again. On XX/XX/23 two days before my payment date a tow truck showed up and refused to let me call and would not accept that I had something worked out. When I called they refused to work with me and they supervisor said the policy is to allow 2 weeks to work it out but I received a letter a couple of days later saying the car was put up for sale XX/XX/23 and Foursight refused to show me the policy. I tried to discuss and was refused an opportunity to fix it. I spoke to someone on XX/XX/23 after the sale of the car and was then told I owe {$14000.00} because they sold the car for {$12000.00}. I explained that that was unacceptable because the agreement was not kept with me and it should have never been picked up. XXXX said he would have the supervisor call the following day which he did. He then said that he could set up arrangements with me. I again said it was unacceptable. I went over the call what I agreed to pay on XX/XX/23 and the extension and that it was picked up 2 days before. He asked if it had something to do with the FBI who I didnt remember mentioning and I said there may have been something mentioned but I dont remember mentioning it. It said he had gone back and reviewed the noted and realized it was a misunderstanding but the balance it there and needs to be resolved. It is unacceptable that they made a mistake because of a misunderstanding and expect me to pay a {$14000.00} bal when I was trying to pay all of the payments and now it is still sitting on my credit and I was also told it was charged off. I think someone needs to look into the business practices. I tried to contact the CEO because the supervisors were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NC
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2018-07-31
Company: Nelnet, 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:
IN REGARDS TO ; NELNET LOAN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I HAVE DONE CONTINUIOUS DISPUTES WITH THE BUREAU XXXX AND THEY CONTINUE TO SOME HOW VALIDATE THE INFORMATION WHEN THE OTHER 2 BUREAUS XXXX AND XXXX REMOVED IT DUE TO MY THE FRAUDULENT AND IDENTITIY THEFT TAKING PLACE ON MY CREDIT REPORT. I HAVE NEVER OPENED A LOAN WITH NELNET LOAN SERVICES AND DON'T KNOW WHY THEY ARE CONTINUING TO REPORT ON MY CREDIT REPORT BECAUSE NOTHING CAN BE VALIDATED NOR VERIFIED. AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( XXXX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
On XX/XX/XXXX I notified Capital One that there was 6 unauthorized transactions with a total of {$4100.00} made by a company that goes by XXXX. These transactions were unauthorized because I have never dealt with the company before and never received a notification to approve any of the transactions that were made. Capital one noted it as fraud when I called to report the transactions. However, they denied my claim stating these transactions were not fraudulent and they did not see anything wrong with these transactions even though I have never dealt with them in the past. I called again on XX/XX/XXXX to ask why my claims were denied and they stated they will look into it once more. I then received a notification from them on XX/XX/XXXX stating the transaction were not fraudulent. I am writing because these transactions were unauthorized and they are refusing to refund me the money that was taken from my account.

Company response to consumer: Closed with explanation