BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX Balance : {$36000.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXXBalance : {$1000.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$94000.00} Date Opened : 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 explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX  Date- XXXX Amount- {$1000.00} / XXXX One- Date - XXXX Amount - {$400.00} / XXXX XXXX- Date - XXXX / Amount - {$630.00} / XXXX XXXX XXXX XXXX- Date - XXXX XXXX XXXX XXXX {$1200.00} / XXXX XXXX XXXX  Date - XXXX / Amount XXXX {$720.00}

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 non-monetary relief
Consumer complaint received 2018-02-14
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a single mother of XXXX currently receiving unemployment because I got fired from my job. The good news is that I have received employment offers however these offers get rescinded because of a charge offs on my credit report.

I called the credit card agencies to work with me and remove the charge off as well as the credit reporting agency so I can get a job and pay these cards however they will not remove the charge off which in turn does NOT allow me to get a job.

The reason for these 3 charge offs was because my husband at the time lost his job and we were unable to pay.

I am a well educated professional with over 20 years of experience yet I can't work because a credit card company says so? What law allows that? A credit card company that charges 26 % in interest. What law allows these companies to dictate policy on my life?

I am a law abiding citizen who pays taxes and is just trying to get a job to support my family.

PLEASE PLEASE PLEASE help me. 
Thank you 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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Navient Solutions, LLC.
State: NY
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:
Had subizied and unsubsizied loans of about {$33000.00} total from XXXX and XXXX XXXX. When graduated from XXXX, couldnt afford payments and Navient was my loan servicer at time. The only option they gave me was deferment and forberance for many years. While accumulating interest rates. When i was out of those options they informed me to switch to another provider to get an income based plan. Which would be federal loans. I swtiched and have an additional XXXX dollars in interest. I was not given an option of ibr plan through Navient. During the forberance time, I decided to go to XXXX XXXX for XXXX. Better job to help pay back the debt. These loans/interest have been a thorn on my side for years. Help. I owe currently about {$420000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This has to do with Square , Inc AKA CashAP. 

I was sent {$800.00} on Monday, I requested a transfer to my bank account but have not received it. I contacted CashAP via email and no answer. 

I also called by phone and they say they are not available to take phone calls. 

This is nonsense as I need this money to pay court costs. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: AZ
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, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an existing account with Kohls ' since XX/XX/2006. This year, I attempted to increase the credit limit twice, which should have resulted in a soft inquiry. Note there was no notice stating that there would be a hard inquiry. Instead, Kohl 's did two hard inquiries, as if I was applying for a new card. These inquiries significantly dropped my credit score. I contacted Kohl 's several times about this, and they said they would remove the inquiries. However, the inquiries are still there as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the " XXXX XXXX XXXX '' with Chase Bank and was approved on XX/XX/23. I was advertised a promotional offer of XXXX bonus miles and XXXX XXXX XXXX XXXX upon spending {$5000.00} within XXXX months of opening the account. I received this offer via postal mail and online through my XXXX XXXX. I do not keep mail, but I was able to retain a printout of the online offer. 

Before I was approved for the card, I noted that the XXXX XXXX XXXX XXXX were not in the documents sent to me after I submitted my application. I promptly contacted Chase customer service through XXXX ( @ Chase ) on XX/XX/23 alerting them to this. At XXXX XXXX Chase responded with this message : " Good morning! Thank you for applying on our XXXX XXXX XXXX XXXX. I understand that you'd like to take advantage of the new account bonus offer where you can earn XXXX bonus miles and XXXXXXXX XXXX after spending {$5000.00} in XXXX months. Please provide your full name and zip code, so I can look into this and point you in the right direction. ^VP '' After a few hours, I had received notification of credit approval, but no mention of the XXXXXXXX XXXX  confirmed by the agent in the message above. 

I wrote back promptly asking them to rectify this. I was told it would take a few days for a " marketing team '' to consider my question. This was despite the fact that they already confirmed that was the offer I wanted. 

The following day, the marketing team responded and said that I was eligible for the offer but would only apply it if I would take a photo of a physical piece of mail that confirmed it. I informed them that I did not have the physical mail anymore, but I had screenshots of the website that confirmed the offer. And, the prior agent confirmed that I was eligible. They told me they would take another few days to consider. 

Chase now says that they will not honor that offer without me producing a physical piece of mail despite other, sufficient documentation that the offer was indeed what I applied for. In my opinion, this constitutes false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
Barclays promised XXXXXXXX XXXX XXXX  so I applied in late XXXX receiving the application on a FRONTIER flight. They awarded me an XXXX XXXX XXXX but did not give me the free miles. I have the XXXX XXXX but wanted a Frontier airlines card. I applied to Frontier again on a subsequent Frontier flight and this time was awarded the Frontier card. ( I travel to OHIO to visit my XXXX XXXX XXXX mom XXXX times a year ) They again promised the XXXX miles but never gave it to me. XXXX. ) XXXX XXXX The first card said it was because I did the pay the yearly fee. I tried to pay the yearly fee but they waived the fee so I was unable to pay it. I tried the contact them on several occasions from late XXXX until now. XXXX. ) FRONTIER CARD. In the meantime, the Frontier card came in the mail. I followed the instructions as told to me, but did not get the miles. Both times I was promised XXXX free miles ( value of {$600.00} for each airline ) and told I had to perform the following to get it. I had to XXXX. Pay the Yearly fee and B. Use the card in the first XXXX  days. Both of those things I attempted to do for XXXX and did do for Frontier. 
In XXXX of XXXX, I contacted my attorney at XXXX XXXX ( XXXX ) and he sent them a letter. In response to the letter, they set up a power of attorney. I never asked for that. Now I don't even get my statements. They go to XXXX XXXX which is my legal shield attorney. He sugessted that I contact you. Please help me. XXXX XXXX ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I had a loan from Wells Fargo Loan # XXXX for property address XXXX XXXX, XXXX, KS. It has come to my attention that Wells Fargo has a foreclosure settlement. In 2007 I missed one payment and was working on a loan modification for the loan. Wells Fargo used unfair practices when I was working on the loan modification. I ended up losing my home in XXXX of 2007 and lost my family, my job and of course a home to live. I like to pursue some type of restitution My current address XXXX XXXX XXXX, XXXX, KS XXXX phone XXXX. 
email - 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 2021-05-05
Company: BAM Management US Holdings Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I did ask for an ACH transfer of {$1000.00} on XX/XX/XXXX which was credited on my binance.us account. 
But a few days later the transfer failed so Binance.US did not receive the money while it has been traded in coins already. 
I did receive a notification that I had to deposit some USD in the next 5 days to settle a chargeback which I did within this timeframe via a wire transfer of {$5000.00}. The chargeback happened and they were able to retrieve the {$1000.00} from the initial failing ACH transfer but my account is frozen with assets that I can not trade ( USD and cryptos ). It says that the trading was disabled. Their FAQ says that after a chargeback it can take up to 5 days to allow trading again but in this case it has been more than a month. At the same time, I have opened tickets that are not answered and keep being closed automatically as solved although it is not. I never had anyone getting in contact with me or responding to my tickets and have assets that are blocked for a reason that I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Experian Information Solutions Inc.
State: NY
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, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX   
Original Creditor: XXXX-XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX  
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX   #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX   (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: NY
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 appreciate your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with Wells Fargo 3 times. No resolution

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 monetary relief
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: LA
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 Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions 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:
I've disputed an account with Experian several times about a collections account and address on my credit report. I've never lived or had business with. The investigations come back immediately with no proof of it being my debt. I've contacted the debt collector and Experian. They don't have anything to show me. But on multiple occasions, the debt comes back verified and it's clearly 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 explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent a notice to transUnion and XXXX to tell them that the reports on my credit account so not me. Their is fraudulent activity on my account. My name spelled wrong, my addresses, their are inquirys on that account that doesnt not belong to me. S

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 2023-01-19
Company: Genesis FS Card Services, Inc.
State: RI
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:
Never had a late payment with this company, its was a missing check thats didnt get to them on time but they finally received it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company reported in correct information about late payments. the company reported a 30 day and 60-day late payment. There were no late payments because the company sent the billing statement to the wrong address. I did not receive a request to pay the bill or the amount due. 


Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation