BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: Colony Brands, Inc.
State: NV
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: Problem with personal statement of dispute

Complaint:
When our state closed down my business was force to close and I had no income, I contacted all my debtors and notified them that I would pay what is owed when our state opens back up. All agreed and followed through except one who I contacted two weeks in beginning of XXXX. I called and told them and they said it was ok and to just get caught up when we reopened. I told them this was not my fault. When I called the call center was backed up and and they were trying to rush through my call. The business was XXXX XXXX. In 90 days I totally paid off the account in whole and they did not close it as requested on the phone while making the payment. They then reported me 90 days late and delinquent. It has not updated. In months and I requested a investigation to clear their error and they have not done so. This is the only company now refusing to change my credit account rating on XXXX XXXX which is ruining my credit rating for any future credit. I only carry two credit cards and both are paid off monthly and I have one car loan. They refuse to admit their error when they told me they would not ding my credit due to COVID 19 shutdowns. I just want them to show on the report it was paid and that I did call for assistance on time to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring a grave matter to your attention, seeking your intervention to enforce my legal rights and rectify a distressing situation that has deeply impacted my life. My purpose in writing to the Consumer Financial Protection Bureau ( CFPB ) is to implore your assistance in rectifying violations that have occurred under my credit report, thereby ensuring my rights as a consumer are upheld. 

Creditor Details and Violations : XXXX. XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has had a profoundly negative effect on my financial well-being. 
Violations : Potential violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 623 regarding responsibilities of furnishers of information to consumer reporting agencies. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The inclusion of this account has caused undue stress and has hampered my ability to pursue crucial financial endeavors. 
Violations : Potential violation of FCRA in case of inaccurate or unverified reporting. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has impeded my efforts to secure favorable lending terms. 
Violations : Possible violation of FCRA if inaccuracies are present on the credit report. 

XXXX. XXXX Account XXXX : XXXX XXXX : The inaccurate reporting of this account has hindered my financial stability. 
Violations : Potential FCRA violation due to inaccuracies. 

XXXX. XXXX XXXX | XX/XX/XXXX Account Number : N/A Issue : The impact of this account on my credit report has led to unwarranted financial setbacks. 
Violations : Potential FCRA violation if inaccuracies or unverified information is present. 

Personal Story and Request for Resolution : [ Share your personal story here. Describe in detail the emotional and financial distress caused by the presence of these accounts on your credit report. ] I implore the Consumer Financial Protection Bureau to wield its authority in addressing these issues and enforcing my rights as a consumer. I earnestly request that the aforementioned unverified accounts be expeditiously removed from my credit report, allowing me to restore my financial standing and pursue my life goals without unwarranted hindrances. 

Your intervention in this matter would provide much-needed relief and restore my faith in the financial system. I am committed to cooperating fully to rectify these issues. 

Thank you for your prompt attention to this matter. I can be reached at [ Email Address ] or [ Phone Number ] to provide any additional information you may require. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-11-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card over the phone on XX/XX/2022 to a rep of XXXX XXXX XXXX and a consumer credit transaction was completed with Regional Acceptance Corporation XXXX Regional Acceptance Corporation denied me credit. The denial discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received my credit report from XXXX and disputed a collections account from Enhanced Recovery Co. on XX/XX/XXXX. The reason for dispute is that I have no knowledge of this account and I am not responsible for it. The debt on my report is identified as a collection for {$230.00} past due as of XX/XX/XXXX for " XXXX XXXX ''. I got the results of the dispute and it was deleted from my report. I then checked my XXXX report and disputed the same collection account on XX/XX/XXXX. The dispute results came back XX/XX/XXXX and XXXX said they investigated and did not change anything, and rejected the dispute saying the existing information was verified. This company has never contacted me before regarding this debt, EVER. After digging through my files I found a letter from a company called XXXX  XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} that identifies an Account with XXXX but has a different account number. My report states that this account was opened in XXXX on the XXXX of this year. This is completely inaccurate and I don't know how to get it removed from XXXX. I do not see is on My XXXX and it was deleted from XXXX, but it popped up again showing as a new collection account from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2022-11-21
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: Problem with personal statement of dispute

Complaint:
Spoke with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

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 2018-09-04
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My husband used Wells Fargos XXXX application on Friday XX/XX/2018 to transfer {$1300.00} to my checking account. It said that there was an error and funds could not be transferred, but {$1300.00} disappeared out of his account. He called immediately and was told that they would open a claim for him, but that the issue should be resolved within an hour. 

It took over 24 hours for the {$1300.00} to show up as a pending transfer in his account, but there was still no notice on my account and the money was still missing. He called again on Monday XX/XX/2018 and was told that they could open another claim and that they would expedite the money into my account the following day as the status of this transfer in his account now showed that the funds had been transferred. 

I called on Tuesday XX/XX/2018 as the {$1300.00} had yet to show up on my account. The first person told me it would take 14 business days for my husband to receive the money back to his account. The second person I spoke to was part of the online customer service team and told me it could take up to 10 business days for my claim to be resolved. I asked to speak to a Supervisor ( XXXX XXXX ) who told me there was nothing they could do and I could file a complaint. She was extremely rude. I informed her that a check I wrote for rent would most likely bounce and that I was late in paying 3 bills because of this issue and she said there was nothing she could do about it because they didnt know when the issue would be resolved and if I was upset, I could file a complaint. 

Lastly, I was transferred to the complaint department. I was told that XXXX was an executive and she had the authority to tell me that the money would arrive in my account by the next day. She also said she would request that Wells Fargo look into covering late fees and bounced check fees. I asked her why they were not able to put the money into my account because it is a documentation glitch and our money should still be physically available to us and she said she wished the same thing as she was also dealing with this personally. I told her I felt that Wells Fargo has essentially robbed us as they were withholding our money. 

And now, we wait again after another conversation with Wells Fargo and prior empty promises to see if we recover our {$1300.00} tomorrow. We will be closing our accounts and banking elsewhere as soon as this is resolved.

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 2020-03-05
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX XXXX never disclosed my account would be serviced by Tidewater Financial Corporation. I did not receive disclosures per TILA that after my down payment, that I would be charged a 35 percent interest rate by Tide Water. I would have never agreed to that. My credit score was mid 600 's. So after I purchase there, and they reported my purchase to credit bureau as a maxed out card, it dropped my credit score 109 points immediately. That way they would be justified in charging a 35percent interest rate. I have been paying since 2017 on a XXXX dollar charge. They pyramid fees and don't count your extra payment. If my payment is XXXX and I pay XXXX they take it all in interest. Please help to protect other hard working Americans. They outsource and you can't get a clear answer from customer service. They will tell you a lower payment is due, so they can compile interest and fees. I should not still be paying on this from 2017!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-28
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card info was stolen. When I first filed the claim with Cashapp the first time, I wasn't aware that my smart watch had been stolen and my digital wallet was compromised. I have had issues on other cards because of this as well and when I was filing the claim with that company they asked if my phone, tablet or smart watch had been stolen and I realized that maybe thats how I was compromised. I took my XXXX XXXX off to shower at the gym a few days before the charges started. I forgot to put it back on when I got out and didnt realize it until I got home. I called the gym to ask if it was turned in but they didnt get it and each time I went in afterwards I asked if it was found with no luck. On this account I have a total of 4 fraudulent charges. Cashapp initially denied my claims almost instantly so I re-filed the claims but they still instantly denied them with no explanation and still havent given me the paperwork used to deny me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a customer with Comentiy bank since XXXX. I had a XXXX Credit card and XXXX credit card. My XXXX credit card was closed in XXXX. I never got a warning of the card being closed, and my balance was XXXX. I made my payments with auto draft and was never late. At the time my available balance was XXXX, the card had already been closed without my knowledge. As for my XXXX credit card, I have been making payments on that and my balance is XXXX, even though I have paid almost XXXX $ on that card. I don't know if my payment are being reflected correctly and why are my accounts being closed even though I am making the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/2015 XXXX Bank requested and received my credit report from your company. To my knowledge, XXXX Bank has absolutely no permissible purpose ( as stated on the Experian website ) to request or receive my personal information. They offered me no credit, they do not employ me, they are not a potential investor, not a current creditor, nor do I have a mortgage with them or anyone else. I have absolutely no affiliation with XXXX Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 2 FTC reports with inquiries I did not authorize

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 2020-03-05
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: Account status incorrect

Complaint:
I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me. I have been disputing it for a while. I have attached my id theft report please remove this account. I am a single, struggling, middle class father. This account has caused me a lot of unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MS
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:
I contacted the credit bureau about hard credit inquiries indicating that I applied for credit within the past three months. These credit inquiries were hard credit inquiries that affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've sent several letters to the credit bureaus and XXXX company in reference to removing late payments from my credit report because it is unlawful. I have tried to send XXXX XXXX  letters as well due to my medical emergencies and XXXX  but they did not attempt to resolve it and assist me even though I have currently caught up on my payments.

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