BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: MD
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 customer service

Complaint:
On XX/XX/XXXX, we had reservations to stay at the XXXXXXXX XXXX XXXX XXXX. Upon arriving at the XXXX XXXX, they had XXXX room left, which smells like bleach and the plumbing did not work properly. We informed the staff they provide us with a plunger and the drain still did not work properly. We decided to go to another XXXX location the XXXX XXXX ( {$320.00} ) in XXXX XXXXXXXX XXXX due to almost all hotels were booked. 

It was late when we arrived at the XXXX XXXX. When we woke up in the morning, we noticed that the room did not have the accommodations that XXXX said they provided and the bathroom lights do not work. Upon leaving we left our charge. We called back within about an hour or XXXX to be informed that our charger was not in the room which we know we left. 

The following week we called the XXXX to inform them of our experience, and was advised that the case will be open. We requested to have half of our money refunded to us based on the quality of service that we received. We never received the case number, any additional information pertaining to our complaint, therefore I filed a dispute with Wells Fargo. I provided Wells Fargo all the above information. I was informed on Friday of last week that my dispute was denied. I was informed by the representative that we stay there, and that I will not be refunded for the stay. I found the Wells Fargo agent that I did not want to complete refund because we did actually stay there. We only requested half of our stay based on the quality of service. The agent for me at the time that they thought that the dispute was for the full amount, and that they will escalate that the prior agent did not notate that the dispute was for the quality of service and not a full refund. The the agent, apologize and stated that that was on them, and they XXXX need to eat the cost and provide me the funds from a dispute. Today I receive a call from XXXX and XXXX informed me that I stayed at the XXXX XXXX and I will not be receiving a refund due to that this is against Visas policies. I informed them both that I was not advised of this information on none of the calls when I filed my dispute or when I received a call last week for my dispute to be escalated. I am not in agreement with these findings and not happy that I was misinformed by multiple agents at Wells Fargo. I would like to receive a refund and amount of a half of a cost to stay at XXXX XXXX due I was misinformed by XXXX XXXX agent multiple times and I spend multiple minutes and hours on the phone with a dispute that would not be honored. This information should have been provided to me on the first phone call.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My laptop was stolen with all my info. And i just got my credit report and see my credit had hard inquires on my report. Which is stopping me from moving forward in life

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 2022-07-25
Company: EQUIFAX, INC.
State: CA
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 have been disputing the account XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a Balance of {$2100.00} and Date Opened on XX/XX/2018 by sending written letters to the Credit Bureaus XXXX But despite all my efforts to have this account corrected, the Credit Bureaus have been ignoring my requests. The information this account reports is outdated and inaccurate! The Credit Bureaus are required to correct the reporting of this account under the FCRA section 609 and section 611 inorder to report accurate information only on a consumer 's Credit report. I am submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA regulation and correct my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call all hours of the day and night all the way from XXXX to XXXX 7 days a week. They call when I'm at work and have told I can not take personal calls while there. Newest calls are everyday from different phone numbers I've had 4 just today, 3 yesterday, 7 on Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been disputing the account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX with a Balance of {$2100.00} and Date Opened on XX/XX/2018 by sending written letters to the Credit Bureaus XXXX But despite all my efforts to have this account corrected, the Credit Bureaus have been ignoring my requests. The information this account reports is outdated and inaccurate! The Credit Bureaus are required to correct the reporting of this account under the FCRA section 609 and section 611 inorder to report accurate information only on a consumer 's Credit report. I am submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA regulation and correct my Credit Report.

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 2022-07-25
Company: Grain Technology, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Ive had a Grain account for about XXXX XXXX XXXX. Ive never had problems using my app until 2 months ago. Since then it has been XXXX making a payment. I emailed last month and got help from a representative to make a payment. However, I still have not been able to use my app. Moving forward, this month I still cant access my app or make a payment. Ive emailed 4 times with no response. First time emailing was XXXX  days ago last time was today. I need help with restoring my app and making a payment before my payment is late. Its ridiculous that I have to resort to this method in order to get some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2020-06-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I attempted to send {$500.00} from the Navy Federal account ending in XXXX. The transaction was labeled XXXX XXXX XXXXXXXX XXXX XXXX XXXX would not allow the transaction to go through ( see attached ) as Navy Federal was initially blocking the charge for suspicious activity.

After a few more tires at it, Navy Federal allegedly released the funds, however ; XXXX XXXX  denied it. The monies were never rendered to the platform XXXX XXXX and a pending charge was placed on Navy federal. 

I reached out to both platforms. XXXX XXXX  stated that if it was pending, it would likely fall off in XXXX days as they had not accepted any amount of monies during this transaction. After XXXX days, the transaction posted on the Navy Federal account XXXX 

I disputed this charge on XX/XX/2022 and provided sufficient evidence. On XX/XX/2022, Navy Federal provided a temporary credit ; while they continued to work on the claim. On XX/XX/2022, I was notified that Navy Federal is going to recollect this {$500.00} on XX/XX/2022 due to not insuring peer to peer transactions. 

However, it is to my understanding, that a banking error occurred on the side of Navy Federal. XXXX XXXX denied the {$500.00} and Navy Federal Sent the funds to a place that no one ever received. 

If the funds are recollected, this will hurt me financially and are unfair and unjust business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraudulent activity from XXXX XXXX XXXX and there buissness partner for auto loans 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 2022-12-21
Company: EQUIFAX, INC.
State: NH
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 placed a dispute online on XXXXand they completed ( I use the term loosely ) their investigation in less than 24 hours. Both the credit bureau and the furnishers did no investigation. They simply verified what they have as accurate. No investigation can be done on issues in such a short amount of time. XXXX also didn't provide an updated credid report. They simply stated they updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have more than a year making my monthly payment on time but I cant see any statement that showed my remaining balance after I did the payment. 
Sometimes I sent {$500.00} in order to lower my debt and finish early but when I see that they apply this amount to the next payment instead to my principal balance as I tried to do it. I called them several time about this issue and they said that I have to made the payment on my due date otherwise they apply it to the next month payment, also I make the payment through my bank payment system, I scheduled it 10 days before the due day and they told me several time that the payment didnt arrived on time, I made the payment through their website because they said to do it like that and the next day my bank payment went through, in that way they get duplicate payment but they do not applie it to my balance. I need to see my monthly payment statement where I can see the remaining amount balance after they apply it.

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 2023-07-11
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Please reference CFPB Case : XXXX for prior details. 
& Goldman Sachs case : XXXX XX/XX/XXXX XX/XX/XXXX : After promises by Goldman Sachs, numerous times as for an explanation into the closure of my Apple Card account, no explanation, documents, emails or any other forms of communication besides a notice they would be sent has been made. Goldman Sachs has still proven they are unable to procure these documents. I believe the closure was by mistake and theyre unable to prove it was purposeful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: NC
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: AZ
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:
The credit agencies stated my account was properly investigated but how is that possible if the accounts are inaccurate. This is grounds for removal and they also violated my rights under 15 USC 1681 602 a states I have the right to privacy and 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

Inaccurate accounts XXXX acct # XXXX XXXX XXXX XXXX XXXXcct # XXXX US DEPT OF EDXXXX  # XXXX ( multiple accounts ) same acct number XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX I want a {$1000.00} per violation or accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: DISCOVER BANK
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:
Attn : XXXX, NY Attorney General, Securities Exchange Commission I would like to make an official complaint against Discover Financial Services and the XXXX XXXX and XXXX National Consumer distance Center, XXXX XXXX Although I have sent very specific documents that show that not only was I not the owner of the XXXX credit card debt totaling {$890.00} but that these agencies aforementioned are in direct violation of my consumer rights.

The violations that I have highlighted and addressed in the documents mailed to Discover Financial Service, XXXX, and XXXX are the following : Violation of Consumer Rights Symbol on a document stating a debt is owed. 
Validation only the consumer can validate debts Harassment or abuse Civil liability Furnishing certain deceptive forms Legal action by debt collectors Unfair practices False and misleading Communication without permission.

Acquisition of location of information Accuracy and fairness of credit reporting Obligation with respect to disclosure f personal information of the consumer Transactions other than under open end credit plan Apart from my list of violations I have also included : Exhibits, that show the inaccuracies that have remained on my credit report as a result of the errors made by Discover, XXXX and XXXX. Please find below a list of the documents that were also included in the package mailed to these aforementioned corporations. 

Letter of Dispute and Complaint Debt validation letter Affidavit of truth Notice to : Cease & Desist To date although I have made these agencies aware of their error this Discover account remains on my personal credit. It is my intention to pursue this case in XXXX XXXX next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident in XXXX and was taken by ambulance to the hospital. This bill was paid from my XXXX car 's Personal Injury Protection insurance. 

On XX/XX/XXXX my credit score was XXXX, I happened to check it recently and found a company PHOENIX FINANCIAL SERV in the collection section of my credit and my score dropped over 100 + points. I immediately contacted them to ask what it was for, and they said it was an old debt for medical. The woman on the phone was beyond rude and asked for personal information. I ended the call and filed a dispute to have this removed through XXXX. A week later, the company confirmed on my credit report that it was paid, but they have not removed it. This is an erroneous credit hit against me. 

XX/XX/XXXX - called XXXX today and they said I have to " fight '' with this company to have this removed from my credit. I am astonished a company can just place a medical collection on my report and refuse to clear it from my report after confirming with the credit bureau it was in fact paid and is not a valid collection. 

Company Name that is reporting this charge : PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1900.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX How can a company find a 6-year-old invoice from my medical history and claim I owe this amount? Why haven't they removed this after it was proved to have been paid from my medical insurance? 

What help can you provide me? I am very conscious of my credit and pay all my bills on time, this company needs to remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a payment to settle this account on XX/XX/2022 and its still reporting and I have disputed with XXXX to tell them I had already paid and settled this account and its still reporting the same

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 2023-03-28
Company: Experian Information Solutions Inc.
State: AL
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've been having a lot of issues with Experian!! Ive sent numerous certified letters with proof! I will not sit back and let my credit score have inaccurate information! I still have an issue with the hard inquiry because Experian reported the wrong credit score which caused me to not get the credit card I deserved and a very high interest rate!! Based off a discrepancies! I will get help from a lawyer to assist me with this process!!

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