BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
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 information incorrect

Complaint:
XXXX XXXX XXXX, XXXX has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, Experian, and XXXX. This is causing XXXX and XXXX harm to US becuase my wife had to give up her job to become a permanent, full time XXXX  for me because I developed a XXXX XXXX due to the COVID-19 pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. XXXX  XXXX MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless XXXX, XXXX makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. XXXX, XXXX falsely reported late payments for the XX/XX/XXXX mortgage payment XXXX XX/XX/XXXX fell on a XXXX XXXX. They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was dated prior to XX/XX/XXXX. It was not a late payment. XXXX. XXXX continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. My wife called XXXX XXXX on XX/XX/XXXX regarding this false reporting. The agent told her that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD HER TO CONTACT XXXX, XXXX IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. My wife wrote to XXXX, XXXX and demanded the corrections.

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 2023-06-15
Company: EQUIFAX, INC.
State: SC
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting 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 have received two emails in the last 2 days from XXXX XXXX XXXX XXXX  that read, " thanks for applying for a chase credit card! ". I did not do this. I noticed hard inquiries on my transunion and XXXX report and immediately called them for a freeze on my accounts. I am visiting XXXX XXXX  today to retrieve any information possible. I did not apply for a card with XXXX, I did not consent to my information being available for someone else to be doing so on my behalf or impersonating myself. I would like XXXX to remove these inquiries from my reports, as well as investigate and punish anyone who would make a living off of other folks hard work. 

Please advise, 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 2023-09-10
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX. 
XXXX I have reached XXXX XXXX Credit dept and all XXXX credits bureau to remove the delinquent filed by XXXX XXXX XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, XXXX XXXX purchased XXXX XXXX XXXX XXXX Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account XXXX XXXX XXXXXXXX in full and had no issued. 

I was told by XXXX XXXX customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
XXXX XXXX did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted XXXX XXXX and paid the amount due on XX/XX/XXXX. XXXX XXXX file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. XXXX XXXX report is incorrect as there was no balance due on my XXXXXXXX XXXX XXXXXXXX account. XXXX XXXX added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of XXXX XXXX my credit has been tarnished for seven years.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose

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 2021-09-14
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I sent {$1800.00} via Cash App to a known recipient. I received a confirmation that the transaction went through, but there was a delay on Cash App 's end and it would be sent shortly. 

After contacting the recipient, they did not receive the funds. Eventually, I saw that the transaction was listed as " Failed '' in the app. I also saw that my bank account had a {$1800.00} hold for this transaction. This was understandable, but I expected it to be removed soon after. 

I then reached out to Cash App via their in-app chat function. They eventually responded and told me that the transaction was " declined by my card-issuing bank '' and suggested I contact my bank. I contacted my bank ( XXXX XXXX XXXX ) and they quickly confirmed that there were no canceled or declined transactions and the {$1800.00} would be processed and completed despite Cash App saying otherwise.

This has now gone on for a full week. Each person as Cash App refuses to acknowledge the evidence and documentation I have provided proving that XXXX XXXX XXXX has not declined a single transaction. They offer no help aside from generic, copied and pasted replies, and have taken no responsibility or accountability for this fraudulent activity.

In addition to telling me repeatedly that the transaction was declined when it in fact was not, they have also told me it's been canceled on their end ( it was not ), and just this afternoon claimed that the transaction went through ( it did not ) and that I can only recoup these funds from the recipient ( I can not ... because they never received them ).

I am not missing {$1800.00} and Cash App has held these funds hostage. Their phone support is too busy to accept calls, their in-app chat support responds after several hours and offers no tangible help, and their email ticket system takes days to receive a response which is never consistent with the questions I am asking.

I need Cash App to take responsibility for their fraudulent actions and negligent customer service, and return my funds immediately along with a formal apology from a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-01-19
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

Sincerely, 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 2023-06-15
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My husband and I have a Joint Spousal Consolidation Loan. The DOE has informed us that the separation process wont be available until the end of 2024. On the student aid.gov website there is guidance allowing borrowers an Administrative Forbearance until the DOE creates the separation process. Our loan was recently transferred from XXXX to Aspire. We were denied this Administrative Forbearance from Aspire because they have not received notification from the DOE that they have to grant us this Administrative Forbearance. It is not our fault that the DOE does have the process available for my husband and I to separate our loans. We both qualify for PSLF and are only waiting for the DOE for the separation process. We have made over 120 payments. We have also submitted all the proper documents. This is an injustice to us as loan borrowers. Congress has passed the law allowing the DOE to separate. We should not be penalized because the DOE is taking so long. Please help us get Aspire to grant the Administrative Forbearance until the Separation process is provided to us by the DOE.

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After being on a income sensitive repayment plan for 15+ years in XXXX I contacted Navient to discuss my options after receiving a bill for 6 times what I had previously being paying. I was told that I no longer qualified for any reduced payment options anymore. The only thing I could do was enter into forbearance and pay what I wanted each month. The forbearance ended and in XXXX again I contacted Navient for support because the monthly payment was again enormous. I sent in my documents again ( paystubs and application for reduced payment ) and again I was told it was not an option for me. The only option I had was another forbearance. I'm nearly at the end of this forbearance and I'm concerned about the same outcome. I believe I have been purposefully misguided. I am a public servant and work at a school. Please help with any guidance possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX  speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include XXXX and Equifax from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
Around XX/XX/ 2018, I applied for the American Express Platinum card from the American Express company. After reading about the bonus restriction that I would not be able to receive any bonus if I have received a bonus Platinum Card from the past and I confirm that I have not receive any bonus Membership Rewards in the past with my one XXXX American Express Platinum from before. After further research, I found out that American Express also put in a safeguard and inform customer or potential customers that they may not be eligible for the new card member bonus. 

After successfully completed the application for the Platinum card, I did not see any warning and I can't see a reason why I would not be able to get the new card member bonus. Forward to today, XX/XX/XXXX, I contacted American Express about the new bonus and was informed that. " I see that the bonus offer on your card is showing declined on the account and the account notes state that you're not eligible for the signup offer for the card. '' There is no reason why I would not be able to receive the bonus. There was no abuse nor I have had the same product before. All purchases made on the card are legitimate and I did not breach the contract. I don't mind if I am clearly communicated that I am not eligible for the product but if not issuing bonus after I have receive and spend is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Velocity Portfolio Group
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Subject : Notice of Default and Opportunity to XXXX  REF : XXXX Dear XXXX & CKS Prime Investments, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws.

**1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.

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