BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
there is a bankruptcy that is not mine and TransUnion will not remove it. i never filed for bankruptcy in Arkansas. I filed another complaint previously with the CFPB and TransUnion responded that they do not have a credit report which in fact they do have it listed on my credit report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2019

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 2021-03-08
Company: Cascade Capital, LLC
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: Account information incorrect

Complaint:
XXXX is reporting inaccurate and incomplete data on my XXXX  and XXXX  reports. 

I disputed with them as part of the XX/XX/XXXX Class Action Lawsuit to get the account deleted. However they never responded to my certified letter that was received by them on XX/XX/XXXX. 

I also disputed on XX/XX/XXXX via recorded phone call and was told the account was not being serviced by them since XXXX. 

I asked for the documents regarding a repossession that's showing on the account and was told they were being sent to me. As of today, I have not received anything, nor is the account showing disputed by Consumer yet it shows date last reported on my XXXX  credit report as XX/XX/XXXX. 

XXXX is providing incorrect data on my reports despite several attempts to have it corrected and or deleted. 

I also disputed with Cascade Capital on XX/XX/XXXX and was received by Cascade on XX/XX/XXXX. No response to date. 

on XX/XX/XXXX I contacted Cascade via recorded phone call and was told they no longer service the account and was outsourced to XXXX XXXX XXXX, but XXXX XXXX XXXX is the collection agency handling requests. I asked again for the documents related to the repossession showing on my report and was told they were being requested. 

this seems very very shady to me. five companies associated with one account? No wonder the data is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently submitted complaint XXXX and this is also in reference to that s it is causing further issue in banking for me as a result Citibanks negligence and inability to document properly. 

XXXXXXXX XXXX cshed the check in the former complaint, which was I haad Tuesday afternoon after Citibank as supposed to have issued it to me on Tuesday to my account and they lost my deposit due to some software glitch. They didnt know if they would be able to restore it, And suggested I deposit it again! Knowing how slow they are and the other issues - I told them I would take it somewhere and cash it. Now Citi has flagged my UNEMPLOYMENT CHECK THAT I RECEIEVED FROM THE GOVERNMENT AS FRAUDULENT WHEN THEY LST THE DEPOSIT IN THE FIRST PLACE and XXXX Monday has suspended transactions with me as a result. Maybe this is what they think is fraud, but I think its a matter of Citibank screwed up and all of their staff is out of the country for some reason, and they also seem to have difficult time with docuementing the account. If I can prove all the phone calls to them just in that week alone, Im sure you can Imagine I wasnt just calling to sy hi.

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 2022-02-28
Company: Experian Information Solutions Inc.
State: NJ
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 noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2018-09-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
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:
I signed up for recurring ACH payments to take care of my perkins loan balance on XX/XX/XXXX. the XXXX XXXX confirmation # is Heartland ID : XXXX. 

These payments proceed without issue until my final payment. Heartland cancelled my recurring payments without my authorization and without notification a year and a half later on XX/XX/XXXX. 

My final payment was never deducted, I was not notified of an outstanding balance, and I was eventually placed into collections in XX/XX/XXXX. I was only made aware of an issue when I applied for a mortgage loan and was told there was an outstanding collection balance and late payments bringing my credit score down with XXXX XXXX. 

I attempted to rectify the situation with the servicer who told me that they tried to call me once the payment wasn't received and left a message. I obtained my phone records for the time that they claim and there is no record of a missed call, a received call, or voicemail from them on that date, or any other date. 

I inquired why my recurring payment was stopped, and I was told it automatically cancelled after a year which is inaccurate because they have almost a full year and a half of payment records from me on a recurring agreement. 

I believe there was some sort of clerical error within XXXX XXXX and instead of taking ownership, they are blaming me. 

I have phone records, and I have recurring payment enrollment receipts showing I made every attempt to pay this debt off in good faith. There is no verbiage on their website, or within my registration receipts that substantiate a claim of only 1 year term on the recurring payment structure. 

I have paid this in full, but due to their clerical errors would like the erroneous reporting of a late payment and collection removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a Discover card customer since 2007, with a current FICO score of XXXX. I am being charged a variable rate, currently at 19.99 %. My credit line is {$26000.00}. How can Discover trust me with a substantial credit line, and at the same time charge this exorbitant interest rate? It doesn't make sense. I spoke to a customer service representative and asked if my zip code had any thing to do with this high rate. She assured me it did not. I can't be certain but somehow I get the sense that nonwhite people are being charged more than their white counter-parts. Please look into Discover card 's business practices to ascertain that unfair discriminatory decisions are not being applied. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I've filed a couple disputes after reaching out to the business that took my money cash app refuses to resolve the issues and they were fraudulant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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  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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 

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 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 2019-05-05
Company: Experian Information Solutions Inc.
State: MN
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 need to file a complaint on Experian each time I sent in a dispute they keep claiming to have verified the inaccurate account but however Experian you are violation the fcra by not sending out a updated credit report I expect each time I submit a dispute I except you to send me a updated report I have received 2 updates from you just this weekend almost could you please enclosed a copy of the updated report. Also when I send I. Dispute I will expect a updated report thank you

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 2023-08-03
Company: Experian Information Solutions Inc.
State: WA
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 Account # XXXX has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 2023-02-18
Company: Experian Information Solutions Inc.
State: OR
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:
Experian is listing a bankruptcy record that should be removed. I have disputed twice and they refuse to remove it. I explored a XXXX  XXXX bankruptcy in XXXX of 2021. When the court told me what the terms and conditions would be, I withdrew and did not go through with the bankruptcy. Their public records section states that I had a Bankruptcy-dismissed. It was dismissed because I withdrew. There was no bankruptcy. 

I disputed the record with XXXX XXXX, the company that reports Public Records including Bankruptcies to Experian. XXXX sided with me, removing the record from my XXXX XXXX files. I checked my files and indeed, XXXX did remove that bankruptcy record. 

On Experian 's own website, they have a section called " Understanding Your Experian Credit Report which states the following : Public Records Bankruptcy is the only public record that will appear on your credit history. Bankruptcy is a legal proceeding under which a person is provided relief from debts they are unable to pay. There are two primary forms of bankruptcy filed by consumers : XXXX  XXXX and XXXX XXXX. They are called " XXXX  '' because they are defined by XXXX  in the bankruptcy law. In a XXXX  XXXX bankruptcy, you do not repay any of the debt owed. Under XXXX  XXXX bankruptcy, you are responsible for paying back a portion of the debts that you owe through a debt repayment plan. 

If your report contains public records, the XXXX XXXX section includes items from courts that Experian may have obtained through XXXX XXXX XXXX XXXX XXXX, a third-party vendor. You may contact them at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, or by visiting https : //experianconsumersXXXX.com. 

Since XXXX removed the record so they are no longer reporting it, all of the credit reporting agencies including Experian, should remove the record. I attached the resolution letter from XXXX that states that they removed the record. I have lost two potential credit opportunities, because of this inaccurate bankruptcy record, that they say will stay on my record for 7 years. This is totally unfair and unacceptable. 

Experian states on my credit report that this record is potentially negative. It is much more than " potentially negative ''. I did not have a bankruptcy but I am being penalized as if I went through with it. Filing and exploring should not be reported as a Bankruptcy if you withdraw. There is no mention of this fact in their reporting.

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 2023-07-12
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I submitted via USPS to LVNV Funding LLC also doing business as Resurgent Capital Services. LVNV Funding still failed to send me the Verification- ( Sworn under oath ) of the name and address of the original creditor pursuant to 15 USC 1692g ( b ). I am also demanding LVNV Funding LLC, to cease and desist all communication and collection activity pursuant to 15 USC 1692c ( b ), & 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had Wellsfargo send me notices that I would ne reimbursed for the fraudulent activity that was on my credit card account in which I only received {$900.00} and some change. The total that was stolen from me was {$6000.00} and some change. I am not sure how long this usually takes but this is messing up my perfect credit, and all of these late fees are adding up. 

Remind you I only received {$900.00} and some change towards this outstanding balance.

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 2023-06-10
Company: Experian Information Solutions Inc.
State: PA
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:
Company continues to report inaccuracies on my consumer report thats negatively impacted my ability to brain credit. This debt has been charged off and is in delinquent status yet theyre reporting on time payments and adding interest to an account that has been closed and charged off. In accordance with the Pa department of revenue once a 1099-c is filed with the irs and the debt reported as taxable income it is then unenforceable and void. This is a direct violation of the fcpa and my consumer rights. 

Account Name : XXXX XXXX XXXX Acct # 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 2018-09-01
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I completed what was supposed to be an easy refinance of my current student loan with this company. Another company issued the payoff check of {$13000.00} and Discover confirmed receipt of the check on XX/XX/2017. However, they never credited the check to my account so my account became past due and subsequently reported to the credit agencies. I called in XX/XX/XXXX have this rectified, I was told it would be taken care of. I called again in XX/XX/XXXX once I discovered it had not been taken care of and they escalated my issue and told me they would charge off the unearned interest outstanding of XXXX. Checking again in XX/XX/XXXX, Discover Student Loans STILL had not charged off the amount and I escalated my matter once again. I received written confirmation that the amount of interest had been charged in error and that they had advised the three credit bureaus of the mistake to remove the delinquency. I checked my credit score today and it had dropped 100 points. Upon running my credit report, low and behold, there was the delinquent account from Discover student loans listed on all three reports. I have filed a dispute to all three bureaus, but I want Discover to be  reprimanded for their inability to follow through with basic financial customer service and borderline fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Self Financial Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this is a self lending thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. Self terminated my account when there was an issue withdrawing my payment, and they still report it at XXXX days past due. 1 ) this was never money owed to them ; 2 ) I wanted to participate in the program but they terminated the account but are still reporting it past due

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Experian Information Solutions Inc.
State: TN
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:
RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX, Experian, and XXXX and I noticed an unauthorized credit inquiries had been made. 

I contacted XXXX, Experian, and XXXX, who conducted the inquiry and asked them to remove their credit inquiries from my credit report. 

I request that you investigate the inquiries listed on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report. 

If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Unauthorized on Experian : EXPERIAN XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX EXPERIAN XXXX XXXX  - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXX XXXX - XX/XX/XXXX Unauthorized on XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Unauthorized on XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX # XXXX - XX/XX/XXXX Thank you for your assistance in this matter

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 2020-10-21
Company: Cornerstone Home Lending 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a delinquent notice regarding my XX/XX/2020 mortgage payment. I initiated my mortgage payment on XX/XX/2020 in the amount of {$3400.00} which was debited from my bank account on that day ( see screenshot ). I spoke to XXXX ( emp # XXXX ) and he reviewed my account and also advise the XXXX payment has not posted. I have attached my bank statement as evidence that my mortgage was paid on time. I ask that you adjust my account and your credit bureau reporting according. I am currently in the middle of refinancing my home and the estimated closing was suppose to be XX/XX/XXXX which means this has to be resolved with haste. 

Proof has been provided to our lender ( Cornerstone Home Lending ) which included the applicable bank statement showing the payment was deducted from out account on XX/XX/2020 as well as a letter from XXXX XXXX  confirming the payment was sent to the lender. We submitted a formal dispute on XX/XX/2020 and was told the XXXX would be 12 business days. We still have yet to receive a decision regarding our dispute.

Company response to consumer: Closed with explanation