BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Block, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went on vacation I stayed at a few hotels first hotel was XXXX XXXX XXXX on XX/XX/XXXX XXXX then second was XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX I have the receipt were it was approved and completed and taking off my card. Now months later on XX/XX/XXXX I added XXXX to my cash app, which I did not have a negative balance, I never received a email or notification saying I owed money or there was a mix up, after my wife sent me that money i received a text from cash app saying both the hotels I listed the transaction from the hotels have been updated but the text message is dating in XXXX but they just took it out I called and they said there was a error in there system where they messed up in XXXX XXXX XXXX were money was sent to different accounts in the wrong amount but I didnt know that I was never informed. So basically they took money that on my end and on my account said it was completed and then now months later they said they had to pay the hotels because the money got Mix up and I owed that to cash app but they put it as the hotel yet they never mentioned anything too me before I added money and I was never negative and they XXXX dollars from me without explaining I feel like something isnt right and on the photos below it shows when. They completed so how did I owe that amount again and if they did have a error why wasnt I informed sooner instead of just taking all money I had tell my next period without communication, email or contact on cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I see this account has charge-off status and yet there is a past-due balance on your report. This account also is being reported with different payment history days between XXXX, Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 items 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 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 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 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 2023-09-08
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called my bank to open a chargeback dispute being authenticated using my pin and card number but they denied that saying I dont have XXXX, and also there is no phone number on my profile wich is XXXX XXXX XXXX. I live in XXXX now so I cant be forced to go to a branch to do this. The law allows me to make the clai by phone, in person or by text. 

I need to dispute XXXX trasnactions for merchadnize not received. 
XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX pro XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX pro the XXXX transactions were made on the store, in person. but they dont have the stock of the items on the same store so they will send it to my home no later than XX/XX/2023. 
I tired to reach them several times bu phone and website without any answer, they never provided a tracking information or delivery confirmation. Im not on that city to go to the store to make the claim, thats why I need to request to open the chargebach due merchandize not received. I have the invoice showing they must sent the items I justneed to know there to send 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 2023-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED Bankruptcy XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and associated details are not reported on my consumer report, as their inclusion violates both the FDCPA and FCRA. I insist that you take immediate action to delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. Please proceed with the removal of these accounts and information without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
My Citizens Bank credit card account appears to be open within my online account, payments are caught up through this month, and a cash balance of {$100.00} is currently displayed in my online account. I went to make a purchase at XXXX XXXX for less than {$100.00} ( {$100.00} is authorized ) on XX/XX/XXXX, and was declined. 

When I called Citizens Bank Credit Card Services on XX/XX/XXXX, manager XXXX XXXX ( ext. XXXX ) informed me my credit card was closed in XXXX for delinquency I had missed a payment or two due to a job layoff in XX/XX/XXXX, but resumed regular payments ). 

However, the bank made no attempt to inform me by letter or phone, and my online account, which is caught up on payments ( I recently paid {$140.00}, and all minimums have been paid for the last several months Ive been assessed late fees and interest ) tells me I have a positive cash balance as I remain consistently under my credit limit ( {$1300.00} used out of {$1400.00} ). 

The bank says nothing can be done about reopening my credit card, despite the inaccurate consumer-facing information and silent account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
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:
I have a XXXX  XXXX of {$600.00} ( XXXX XXXX ). This amount is automatically deducted from paychecks every pay period. FLORIDA XXXX XXXX XXXX reports this account to XXXX. I have been disputing the accuracy of this account for over 4 months multiple times. I have provided documentation including but not limited too : Paystubs ( 4 in total ), Copy of Order for {$600.00}, Copy of Payment XXXX from FLORIDA XXXX for this account, Copy of CHAT Transcript with Florida XXXX substantiating my claims and more. XXXX FAILS to update account accurately or when they do, the very next day they change it back. They are reporting FAILURE TO PAY, MORE THAN XXXX DAYS LATE, Improper monthly payment requirement of {$2000.00}, Completely inaccurate Payment History for past XXXX months. They FAIL to look at the documentation and just keep reporting something different each dispute. My rights under the FCRA require ACCURATE REPORTING, my rights under the FCRA require the XXXX  if they feel their is ANY DOUBT to the information being reported they MUST remove it. Being I have provided the COURT ORDER, COPIES OF MY PAYSTUBS, COPIES OF XXXX XXXX, and more they have more than sufficient information to have DOUBT if NOT EVEN CORRECT IT PROPERLY. With XXXX disputes filed already, they make me file a NEW DISPUTE every time even though this has been the same problem from the beginning. They are clearly violating my rights under the FCRA in reporting information which CLEARLY inaccurate. I take my XXXX XXXX and my credit very seriously and I feel this is being done intentionally or being handled by someone who is NOT PROPERLY INVESTIGATING THE DISPUTE. Attached the complaint : LETTER to FLORIDA XXXX, COPIES OF XXXX 'S inaccurate reporting, COPY of CHAT TRANSCRIPT with XXXX, COPY OF PAYMENT XXXX to FLORIDA XXXX, PAYSTUBS showing the corresponding deductions, COPY of ORDER of $ XXXX. ALL of this information has been provided to the XXXX previously as well. All of this information is VERIFIABLE.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$5900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 have 2 random 30 day late payments from Kohls but i never received a bill. Not sure if they sent it to the wrong address and auto payment isn't an option. They only call me after the payment is missed and then I pay right away but 2 times they put late payments on my credit. It should not be on there because it was not my fault since i didn't know that it was due. Can you please help me get it removed? I have tried disputing it with the bureaus but not had success. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2018-06-19
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When I was late on a horrible interest rate at the XXXX XXXX card, I tried to set up a payment plan with a collection agency with the hired XXXX by Synchrony bank ( a horrifying bank ) and collection agency. XXXX rep lied about what I owed when I set up a payment plan so I could not carry through on the plan. Synchrony bank accepted no responsibility and XXXX  calls me day and night, which of course, is considered harassment and against the law. This is the 2nd time I have reported this offense with no response from you. Sending to my attorney. Have proof.

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 2023-03-21
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-06-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My Medical debt was discharged in my bankruptcy. The debt is repeatedly getting removed and added back on my credit report impacting my score. I am tired of the numerous calls.

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 2023-12-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am the author of this complaint and I have attached my driver 's license, social security card, dispute letters and a copy of my ID theft report. 

I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted as a result of these errors. The CRAs and creditors did not conduct a reasonable investigation and has blantatly ignored my disputes. 

Please delete these accounts listed below along with the following reasons : 1. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 3. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 4. XXXX XXXX XXXXXXXX ( XXXX : XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 5. XXXX - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 6. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 7. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report and unbeknownst to me these unauthorized inquires was/are on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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