BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: CL Holdings LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am reporting this agency and the company called as : JEFFCAPSYS and XXXX XXXX XXXX for the abuse of placing on my credit report a deceiving information that I am owning some money to pay in the amount of {$1100.00} when this charges were fixed and settled by XXXX XXXX top managers 6 years ago. I used to have this account and once I have travel internationally, my phone line was charged roaming for international data used when I did not requested any of that kind of service. therefore, I had reported to XXXX XXXX XXXX  as fraudulent action that XXXX XXXX has taken to get money from people. XXXX contacted and submitted my complaint to XXXX and some manager which I dont remember his name handled this mistake since it was not my fault. I was told at the time that my account shows {$0.00} balance and will be removed any damages. However, this JEFFCAPSYS do not understand it and refused to take it out of my credit report. XXXX XXXX should have records of their mistakes and complaints from XXXX  on file against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I terminated XXXX XXXX service at a previous address I was not under contract yet XXXX assessed a {$30.00} early termination fee that they refused to credit. Ultimately I was not aware that XXXX claims to have sent this to collections and paid the {$30.00} immediately when I found out. However, as a result of this erroneous charge, which never shouldve been billed to me in the first place, and which has been paid off in fullmy TransUnion credit score decreased over 100 points, to where I cant get approved for the best mortgage rates and I was just denied for a credit card. Worse, I have disputed this factually with TransUnion three times and yet it still remains as a negative sharply, depressing my credit score, especially when looking at the difference between my TransUnion score and the other two agencies. How a {$30.00} charge could have such a negative and disproportionate impact on a credit record that is otherwise flawless, eludes me and I want to fix it because this is an injustice not just for me, but for so many other consumers, who are held back from their American dreams by the most trivial information with no accountability to correct errors.

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 2021-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I applied for a studio apartment and the property manager ran a background/credit check that I paid {$45.00} for. The results came back that my risk credit score is XXXX which is surprising since I have a credit score of XXXX with Experian. This company called XXXX let me know that there is a difference between risk credit score and a regular credit score. They also told me that they do not calculate it but that Experian does. 
I tried calling Experian but I can not get through to a live person. 
I need to know why my risk credit score is XXXX which is XXXX points below my credit score. Is this risk credit score even correct?

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 2023-11-09
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX an unknown individual used my name and personal information to reserve an international flight through XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) using my name and American Express card. This unknown subject booked this flight starting at the XXXXXXXX XXXX XXXX on XX/XX/XXXX which was to fly first to XXXX, XXXX, then to XXXX XXXX XXXX XXXX XXXX XXXX then to XXXX XXXX XXXX XXXX and then back to XXXX XXXX all on the same day. The total billing placed my American Express card for this unauthorized flight was {$3700.00}. 
I became aware of this situation when I reviewed the statement for my American Express Card account online on Monday XX/XX/XXXX. 
Since then I have been in contact with American Express 10 times by phone and sent supporting documentation ( IDtheft.gov report, XXXX XXXX MD Police Report, IRS Affidavit of ID Theft, and associated letters, including cover letters ) on three separate occasions, both by hard-copy mail and through their document submission portal since XX/XX/XXXX. 
Their investigation has been totally inadequate and inconsequential stating that XXXX XXXX supports that the reservation was made without any acknowledgement or reference to identity theft. As of today ( XXXX XX/XX/XXXX ) the charge has again been reinstated, basically ignoring any aspect of identity theft or supporting documentation provided thereof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: Bridge It, Inc.
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX XXXX setup a secured credit builder account with Brigit. 

At this time my XXXX XXXX bank account was connected and auto pay was setup. 
In XXXX of XXXX I changed my bank account. 
Brigit sent me and email that my next autopayment was returned. At this time I tried to log into Brigit and it said I needed to change my password. Everytime I have clicked " send email '' I never received an email. 

I sent an email on XX/XX/XXXX and recieved a response. Not addressing my original concerns about my payment being late, due to no fault of my own. 

The phone number listed on Brigits website does not work either. Which also makes it impossible to address any concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have {$2500.00} in my Cash App account under tag $ XXXX. When I tried to access my account they requested I open a new account since I didn't have the old debit card with me that was linked to the account. 

I then established a new cash account under $ XXXX. 

Both the old and new account are under email address XXXX. 

I sent an original smail on XX/XX/2019 stating I was unable to access my funds in account $ XXXX. They asked me some verification questions which I submitted promptly. 

Over the next 9 days, I sent 9 follow up emails however haven't received any response. Then I sent over 20 messages to cash app support through the application and still haven't received a response. 

In essence, I believe Cash App owed by Square has illegally prevented me from accessing my funds. Therefore I respectfully request for the FTC to investigate Square and subsidiaries. What they are doing to military and veterans who uses there service is a crime and quite frankly theft. 

Below are the details I sent 9 days ago : Hi, 1. Your first and last name : XXXX XXXX 2. $ XXXX associated with your old account : $ XXXX 3. $ XXXX associated with your new account : $ XXXX 4. The phone numbers and/or email addresses associated with your former account : XXXX 5. The phone numbers and/or email addresses associated with your new account : ( XXXX ) XXXX - XXXX / XXXX 6. Last 4 digits of the debit card The following cards throughout my use of the service : XXXX / XXXX / and card ending in XXXX or last 3 digits of the bank account linked to your old Cash App account **or** the full zip code for the debit card Zip Code for all of my cards were XXXX 7. Last 4 digits of the debit card or last 3 digits of the bank account linked to your new Cash App account : LAST THREE BANK DIGITS : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
in accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a statement saying that i owed a bill from a company that is due to another. I then sent the company a certified mail and green return receipt. I asked for validation of the debt pursuant to 15 usc 1692g. I never asked for verification which i made clear in the letter i sent. I have not got the name and address of the original creditor. My understanding of validation pursuant to 15 usc 1692g is the debt collector has to provide me with the amount of the debt, the name of the creditor to whom the debt is owed along with other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient offers limited weekday customer service hours and their phone system malfunctions regularly -- their automated callback system hangs up on customers, and calls are frequently dropped while on hold. 

Literally every time I have ever attempted to recertify my income information to maintain my XXXX plan for another year, something has gone wrong resulting in me being accidentally placed in a new plan and subsequently overcharged by hundreds of dollars. Last year it took more than 5 lengthy phone calls with agents before I was finally enrolled in the correct plan. Agents provided misinformation or processed my requests incorrectly. This has resulted in late payments and deferments ( at the suggestion of Navient agents ) which will ultimately affect my ability to reap my Public Service Loan Forgiveness as a XXXX XXXX. 

I called in an attempt to seek help from an agent ( XX/XX/2018 ) to avoid these familiar problems for the coming year. I was refused help -- the agent refused to enroll me over the phone and simply told me what boxes to check in their online FSA form. Lo and behold, their information was wrong once again. We followed the agents instructions and both my husband and I experienced massive increases in our payment amounts despite the fact that we sustained only a very meager income increase from one year to the next. While our income is virtually the same, we collectively are being charged more than $ XXXXmonth more than we were charged last year, with no explanation. 

The most frustrating part about all of this is that I am routinely unable to access my statements and online communication regarding my federal loans ( today included ). No matter what browser or device I use, I am unable to access my inbox. It loads and loads and eventually logs me out or " expires '' / '' times out ''. This is unacceptable. I can not view my account statements. I can not see what new plan I've been enrolled in or how my new payment amount has been calculated. 

I am a XXXX XXXX XXXX working hard to repay my loans and my experiences with Navient indicate that, not only are they shirking their responsibility to help me continue to pay for my education -- they are actively hindering my ability to access information about my finances and maintain control over this very significant financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Chase XXXX XXXX XXXX. My application has been denied several times allegedly due to an extended alert from XXXX. I have called the specified XXXX phone number numerous times and XXXX has no extended alert on my account. I tried to resolve this through the Chase branch ( as Suggested ) without success. In over 7 hours on the phone with chase and XXXX hours in the branch, no one at Chase has resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have numerous accounts, addresses, phone numbers and inquiries on my Transunion report that is all false and hasn't been properly investigated. I was a victim of 17 data breaches that exposed my social security number as well as sensitive information. I want Transunion to do a thorough investigation on each account properly. Please provide physical proof of each account including inquiries.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying for 6 months to dispute items. I have been sent back my letters in mail. I have been denied disputing online, yet transunion is still able to add negative items to my report and I have no way of resolving or defending my person. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore. any such debt, in fact therefore exists Transunion is in violation of 15 USC 1681, 15 USC 1692

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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 explanation
Consumer complaint received 2022-09-17
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: Reporting company used your report improperly

Complaint:
XXXX & XXXX ( XXXX ) U S DEPT OF EDXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX 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 2021-08-26
Company: WELLS FARGO & COMPANY
State: MS
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:
This car is reporting as a charge-off, and should be off my credit report or reporting 100 % on time payments with no charge off reporting. This car loan has been settled with Wells Fargo as a unlawful repossession due to unknown charges through collateral protection insurance. I was given monetary compensation and was told by Wells Fargo that this loan will be removed from my credit report or reported 100 % on time payments with the charge off status taking off.

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 2018-06-01
Company: CITIBANK, N.A.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX an automated payment in the amount of XXXX was posted to my XXXX XXXX credit card account. Around the same time my bank account was compromised and my bank advised that all outgoing payments/debits would be reversed. I contacted XXXX XXXX on XX/XX/XXXX and expained that the payment was most likely going to get reversed and that I would like to make another payment to avoid late fees and prevent my account becoming past due. I was able to speak to a manager and he processed another payment.I have attached a payment confirmation e-mail from XXXX XXXX showing the amount of the payment and the date of the payment. OnXX/XX/XXXX I received a bill from XXXX XXXX ( please see attached ) showing a XXXX balance and the payment from XX/XX/XXXX posted to my account. 
On XX/XX/XXXX I logged into my XXXX XXXX account to make a purchase and I noticed that I have an account balance of {$59.00}. The balance was for the initial account balance of XXXX, late fee and interest. I contaced XXXX XXXX and spoke to 3 different representatives over a period of 2 hours and they all stated that my account is past due because the payment from the XX/XX/XXXX was reversed. All three representatives stated that they do see notes on my account from XX/XX/XXXX supporting the fact that I did make another payment but neither could explain why they did not post the payment from XX/XX/XXXX to my account even though a manager took my financial information and provided an email confirmation for the payment. 
XXXX XXXX has now incorrectly reported my account past due to the credit bureaus and as a result it's has impacted my credit score negatively. XXXX XXXX is in violation of Fair Credit Reporting act FCRA 5 U.S.C. 1681 and should be held liable.

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 2019-04-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have noticed and taken record of the principal amount on my loan being increased by {$2.00} a day. At first I thought maybe this is some type of reverse interest charge. With my payment not due until the ninth of the month. On the fourth of the month I paid {$20.00} towards my loan as an experiment to see what they do with my payment. I let two days pass and checked my balance due. My balance due I Had only decreased by {$13.00}. So are they charging me interest at both ends? Or is what theyre doing illegal? I will include screenshots as proof to my claim.

Company response to consumer: Closed with explanation