BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: CL Holdings LLC
State: LA
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:
Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with XXXX XXXX XXXX for account # XXXX. My account with XXXX XXXX XXXX was paid in full and closed in XXXX after vehicle was totaled out. Insurance AND GAP benefits paid amount on payoff quote submitted from XXXX XXXX XXXX. Recently even received a notice of a XXXX credit from XXXX XXXX XXXX. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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:
I have sent in Dispute letters to Experian, XXXX, XXXX. To have unauthorized inquiries removed. I received letters from the reporting agencies XX/XX/2023. Stating that theyre unable to remove the inquiries that I never authorized. I am requesting that all inquiries 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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is 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 2023-07-31
Company: Duvera Billing Services, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2023 was my first payment to XXXX XXXX for the purchase of animals from XXXX XXXX in XXXX Ohio ( ferrets ). The total loan amount was {$720.00} with an APR of 133.97 %. At the time of signing this agreement, I was XXXX XXXX XXXX and did not know the meaning of interest rates. I was rushed to sign the papers and make the purchase by the company, XXXX XXXX. I have come to learn that this APR would be considered a " predatory loan ''. I did not realize this until early XX/XX/2023 when I found that I still owed {$750.00} on my loan. I had made payments of {$42.00} biweekly up to that point, which would have been around 15 payments. Logically I should have only owed about {$91.00}, yet my balance was still {$750.00}.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2020-08-12
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got scam by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX told me to send her {$650.00} via cash  apps  on XXXX. I was able to sent {$400.00} via cash  apps  the XXXX XXXX was adamant that I need to send her {$250.00} to complete the total of {$650.00} via XXXX. I paid the total amount of {$650.00} for XXXX  reading and XXXX  since she was going to remove the XXXX  on me. On XXXX XXXX XXXX called me again that I need to put {$2500.00} downpayment for the materials she needs and the church is helping to remove the XXXX  but I need to put {$2500.00} as downpayment and she will return my money within 10days I sent the money through XXXX. Since XXXX has no limit consumer protection program I was able to send {$2500.00} to XXXX XXXX. After I noticed that she just scammed me I filed a report with XXXX if they can return my money back and XXXX denied my dispute. Something needs to get done with the scammer and XXXX and cash apps need to have a better proctection to protect innocent customer like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo failed to investigate a transaction I disputed correctly I filed WF went with the merchant only because I tipped the merchant after the service the provide wasnt as expected. On XX/XX/2023 I authorized a transaction for {$71.00} at XXXXXXXX XXXX  for dip powder acrylic nails. On XX/XX/2023 I noticed cracks in my nails I contacted XXXX XXXX  to inform them my nails were cracking I was told We fix your nail you have to pay for service again I contacted Wells Fargo to dispute the transaction, they issued a provisional credit On XX/XX/2023 they withdrew the credit from my funds. On XX/XX/2023 the representative stated the dispute was file incorrectly WF stated I authorized the transaction and they agreed with the merchant because I left a tip before I noticed my nails were done incorrectly.

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 2020-08-25
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Began making Bi-weekly mortgage payments and paying extra each time. Specialized Loan service was not applying my payments to my mortgage. In addition, began charging me a late fee because my early payments were put into a suspense account.

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 2020-08-12
Company: Social Finance, Inc.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I was approved for a student loan back in XXXX of this year with a great interest rate. I reapplied in XXXX to get a similar loan and was offered a rate about 4 % higher. I've called numerous times and have been passed around multiple departments. The only answer that I've received is that I no longer qualify for that rate. They will not provide me any information regarding what I need to do to qualify for that rate. They mentioned that my credit score could have significantly dropped. However, all payments have been made on time. My XXXX  monitoring service actually shows my credit score has increased since I took out the previous loan in XXXX. Their only other answer is that it's all a software that decides, and they don't actually know why some of the differences in rate occur. They have given me the run around and haven't provided me any information with the reasoning I do not qualify for their best advertised interest rates. I'm now at the point where tuition is due, so I'm either required to get a loan 4 % above market or apply through a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my employer XXXX XXXX XXXX in the amount of {$1000.00} on XXXX XXXX at XXXX into my checking account through ATM. Immediately after I deposited my check {$230.00} was available at my leisure. I spend {$40.00} out of that amount which wouldve left me with {$190.00} Later on that day I tired to make a purchase and to my knowledge my card declined for insufficient funds. I then call the bank to see what the problem is. I was told that the money I did have in the account was on hold and that my checking account is now in the negative for the {$40.00} and my deposited check would be on hold. Now I am being told I cant receive all my funds until the XX/XX/2023. I have bills and to hold a check for that long? Ive never experienced this before at any other bank Ive banked with. This is unexpectable. US bank is also refusing to give me back the check.

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 2022-11-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I wrote and mailed certified letters to XXXX XXXX XXXX for Account XXXX amount {$710.00} and account number XXXX amount {$7900.00} requesting verification of debt. XXXX XXXX XXXX. never sent me debt verification within XXXX days. Around XX/XX/2023, I disputed the above debts with XXXX, Experian, and XXXX, giving them proof of my certified letters ( XXXX and XXXX ) and proof of receipt of the certified letter by XXXX XXXX, XXXX. After completion of the disputes, the above inaccurate debts still remain on my credit reports which is causing an interference in me obtaining a mortgage.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX, TransUnion, and XXXX have illegally obtain my credit report. I have checked the records and found that XXXX, TransUnion, and XXXX are only licensed to do business in Maryland. This means they can only report consumer reports for residents in Maryland. I am a resident of XXXX XXXX XXXX Ohio and have been for 33 years. Please remove all the credit information from the credit report or every account should be reported as paid as agreed and appear with NO late payments. In addition, 15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This further shows that any late reporting CAN NOT be on my credit report. I have attempted to resolve this issue with all of the credit reporting agencies. XXXX blatantly told me on a recorded call that XXXX is not required to conduct and investigative consumer report. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Information on my credit report has been directly obtained from a creditor. I have already submitted an invoice for this violation in which XXXX has vehemently opted to ignore and purport that they are away of my concerns. I have been attempting to resolve these issues since last year. 

As a result, I will be submitting a Form XXXX XXXX and a Form XXXX as all XXXX credit bureaus are committing securities fraud and at this point are committing an organized crime. I also will be requesting that the SEC consider a XXXX charge filling as you have all colluded to defraud myself and my rights.

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from TRANSUNION Credit Bureau that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that TransUnion Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX ( Original Creditor : AT T ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$86.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have a loan with XXXX and BK OF AMER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. There was definitely an error on their part.

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 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between  you and XXXX XXXX XXXX that gave you the right to collect this debt Account No. :XXXX Respectfully Submitted What would

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 2022-03-11
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
On XX/XX/2019, I applied for an Amex Sky miles XXXX card and got approved immediately, they pull my XXXX credit report. I decided to look at other credit card offers that I pre qualify for on the website which was the XXXX  and XXXX XXXX  credit card. Altering submitting in the application, I was denied. The same day I contacted the customer service line, to find out what was the reason. A rep stated I had several collections and my ut is very high, I stated to her that incorrect. I waited a week later because I was told I will get noticed in mail however I didn't. 2 days ago I contacted there customer service line and was transfer to the reconsideration department where they will manually review my account and get back to me and will pull my credit again. No one ever got back to me so I decided to call and to hear bad new they will not consider my application even though I was told yes they will and will run my credit again. my credit is over 740 's, I have zero collections, I have less than 2 credit inquires .... with that being said I will decline there reason for denial. Consumer where born with open end credit which means creditors should not deny us credit. 15 US 1691, says we shall not be denied or discriminated when it comes to approval of credit. I feel as if they have no valid reason of denial and this is unlawful.

Company response to consumer: Closed with explanation