BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested refund for student loans a month ago, my request was not turned in properly. They have no record of the request. 
My balance remains the same and the refund has not been processed to my account yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXXXXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX  opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have tried on multiple occasions to reach out ; I have sent letters to the credit bureaus to have this address removed from my credit report. It still needs to be done. I am a past victim of identity theft, so incorrect information must not be on my credit report. The address that needs removal is XXXX XXXX XXXX, XXXX, AL XXXX. Please remove this address from my credit report immediately.

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 2023-07-17
Company: EQUIFAX, INC.
State: CA
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:
Unauthorized hard pull inquiry by XXXX on XX/XX/2023 in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Block, Inc.
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2023 I purchased numerous things from XXXX and used my cash app debit card to pay. The money was taken from my account on XX/XX/XXXX. Yesterday on XX/XX/2023 I got a notification from cash app saying the transaction from XX/XX/XXXX was updated to XXXX $ and they took the money out of my account AGAIN! I contacted XXXX and they said cash app was already contacting them about a technical glitch that happened and was trying to resolve this and to contact them. So I contacted cash app and they told me that the money originally was never taken from my account ( which it most defintely was ) and that why they took it was because they never received it! So I have been overcharged by XXXX $! And cash app will do nothing about it! Basiclaly saying Im out of luck! Im not rich I know what comes in and out of my account! Cash app is committing fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
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:
requested removal of unknown inquiries contact bureaus for removal and nothing was done I will provide a identity theft report due inaccurate 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-12-12
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
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:
On the XX/XX/XXXX Consumer gave written notice to this company per 16 cfr 313.7. Attached is a copy of said notice. Also company clearly violated there own terms and conditions by sharing my information with non affiliated parties, which is a violation my privacy per~The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, XXXX closed my account without notifying me. I had an instacash payment from them that is stated in their terms I am not obligated to repay. Since my account was deleted without me knowing, I don't have documentation of my request to stop payment. XX/XX/XXXX they charge my Chime. XXXX I dispute with Chime and follow up with XXXX via email. After informing them the money is for Mom 's medicine, they replied that the payment was returned and no further attempts to collect would be made on XXXX. Dispute is denied with request for supporting docs, none rec 'd. Filed 3 rebuttals to date, the latest being now with others denied with no docs. XX/XX/XXXX XXXX confirms the payment was returned via email. Apparently they are either not communicating or I'm being given different information. I've been told by chime that they saw no attempts to return, and others said they see the attempt but chime did not accept it and even had supervisors tell me there was no attempt made and hung up on me. I feel Chime has dropped the ball, as my supporting evidence is indisputable but apparently overlooked. Furthermore I feel as though Chime should provide me with a credit and reach out directly to XXXX strictly about the transaction and not the dispute and get this resolved. I'm at almost 3 weeks waiting now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-06-30
Company: Empower Finance, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
My payment was due on my paydates which are the XXXX and last day of the month. However today XXXX overdrew my account by attempting to withdraw the payment before the banks were even open for the day and my direct deposit was yet input into my checking. The account was overdrawn at XXXX XXXX  when I checked my direct deposit uploaded at XXXX via XXXX XXXX XXXX Empower app tracks balances and deposits so its frustrating that they attempted to withdraw my payment resulting in a {$28.00} NSF fee before the bank opened on my due date their algorithms should be aware of such. I attempted to call the institution to come to a resolution but the phone number they have listed via XXXX does not route you any where when you press a prompt and the only other option is the online virtual assistant who doesn't understand. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-05
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
My mortgage with XXXX was on my credit report through XX/XX/XXXX. In XX/XX/XXXX it disappeared even though the loan is still open and in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a longtime customer of Capital One and had never been late. I set up an Auto Pay with a personal bank but the bank mailed a check monthly which made me late. This has been going on for months. On my phone I set up a Notification request in case if any issue with my account. I never ever received a Notification from Capital One as required by Notification selection. So, the late as accumulated and suddenly after the total has reached over {$400.00} dollars then again without notification they charged me. I had to immediately scheduled that payment and XXXX payments : XXXX of {$70.00} dollars and another of {$100.00}. I have been a good customer and never late. Capital One reported my lateness to all 3 Credit Bureau Agencies, which caused my credit to crashed up to XXXX points. I contacted them and they told me that they understood my concern and would have to contact the credit agencies, which I did immediately. The bank should have contacted me based on my notification setting in their App and not wait until my fees had reached over {$400.00} to placed me on as being late with the credit agencies.. It is not fair to us consumers. Now I am XXXX war XXXX Vet with no acceptable credit to do anything for my grand children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Am having a Problem with M & T Bank with a Transaction i did not Authorize for the amount {$270.00} from XXXX XX/XX/2021 i lost my debit card XX/XX/2021 from my checking account ending : XXXX Please help me with this i open a claim with M & T bank claim number : XXXX Please help me with this i never did anything with this Company XXXX and never used my card to buy anything from this company

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 2021-10-07
Company: EQUIFAX, INC.
State: FL
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 disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with fair credit reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please remove the late payment history as it is affecting my credit.

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 2023-01-18
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am going to be extremely nice and cordial and I apologize for the previous threats or attitude but the situation is extremely frustrating. Long story short : XXXX approved us for 12 months of payments from XX/XX/XXXX to XX/XX/XXXX. 

As of the date of this letter, there has only been XXXX payment posted from DovenmuehleXXXX  which was for XX/XX/XXXX. 

The most frustrating part of this entire thing, is Dovenmuehle are claiming the checks are going to a wrong address and that is why they're not being posted. This would be a fine claim but the correct address that XXXX are mailing the checks to is " XXXX XXXX XXXX, XXXX TX XXXX. '' - This is the EXACT address that you guys have claimed the address needs to be on previous correspondence. Today, I did a two-way phone call with XXXX from XXXX and XXXX from Dovenmuehle. Both very sweet and wanting to help me. 

How can we resolve this? Also can I get a contact from someone that I can reach out to directly vs filing many CFPB claims? 

Possible resolution : 1. Have XXXX change the address from the XXXX XXXX XXXX XXXX, TX to the XXXX XXXX XXXX, Illinois location. Please note, for them to do this - I need you to confirm this is now the correct address to send payments to on Michigan XXXX letterhead. They will re-issue the checks and send them to this address from now on. I have personally sent checks to this address for the hurricane insurance checks and found there to be no issues sending and receiving from this address. 

Please just help me. Please do not say again that the address is incorrect because I can promise and assure you it is not incorrect. You may be giving ME and HAF the incorrect address, but XXXX are sending the checks to the address you are specifying so PLEASE do not use this answer again in your response to this claim. Please try and actively help me, I have been fighting this since XXXX I am tired and I want this to be resolved. If we need to change the address to XXXX XXXX XXXX XXXX then let 's do it. Clearly the XXXX XXXX XXXX XXXX is not working. 

Furthermore, in the last correspondence you claimed that the unauthorized third party had received " multiple '' checks, meaning for various individuals not just my loan. This should be the clear indication that it is indeed DovenmuehlXXXX 's error. I understand this is a new program from the government so if you don't understand what to do or you don't know what to suggest then just say that. Can we try the XXXX XXXX XXXX location? I need you to confirm on a letterhead that the checks can be sent to that address. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
My Equifax credit report is not reflecting any changes or updates that current on my other credit reports. It has not updated in years not sure whats going on but needs to report correctly to reflect accurate info as needed please help me with problem with equifax not sure what is going on with them thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: 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. 

Account name : XXXX XXXX XXXX # XXXX ;. Account name : XXXX XXXX XXXX XXXX # XXXX ; Account name : XXXX XXXX XXXX # 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 writing instructions.

15 U.S.C 1681 c. ( 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 record of conviction 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.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
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. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These companies are in violation of FCRA 15 USC 1681. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: FL
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 report agencies state that these accounts were properly investigated and came back as verified. however, is not true there's several inaccuracies showing in my 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 explanation