BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
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 have several hard inquiries on my credit report that do not belong to me. I have tried to contact XXXX, Experian, and XXXX about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my Experian score to report drastically lower than what it should be.

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 2023-09-15
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX I had two transaction debit my debit card with Cash App, while my card was locked. On XXXX Cash App/Square reported system issues and it lasted till XXXX. I called Cash App three times. I was placed on hold and eventually hung up on two of the three times on XXXX. I finally got an agent to assist me. He informed me that since this was a Cash App issue they will be able to resolve it - without having to get the merchant involved. He stated I can file a dispute once the transactions posted. 

I believe I filed a dispute on XX/XX/XXXX. There were two charges. One for XXXX and the other for {$670.00}. 

I had a manager reach out to me because of the complaint Ive file with the XXXX  He stated that he would have it escalated. In my mind, when something is escalated it means that it increases the seriousness of it and processing times are quicker than normal. But apparently that is not the case. 

I also received an update from Cash App stating that they are contacting the merchant to see if theyll issue a refund. Going against what the representative said to me on the phone. He said on XXXX that since it was a Cash App system issue the merchant shouldnt have to be involved. 

I was contacted by Cash App on Monday XX/XX/XXXX and no resolution has been given. This was my rent money and because of their system issue it has caused me to be 13 days late on my rent. Im now accruing {$25.00} every five days that I am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX  XXXX, GA XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 overpaid my credit card, so I asked for a refund, they gave me the refund but its showing as a charge to have to pay back.

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 2023-09-15
Company: Massachusetts Educational Financing Authority
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying on a student loan for my son and co-signed by my husband. Somehow, my name was attached without my signature but I've been paying it anyway. I missed one payment 3 years ago and have never been late since. Today I received an alert from XXXX and XXXX that the lender marked my account as not being paid and that I'm unreachable. The last payment was XX/XX/XXXX and it appears as paid on the loan online account. Again, my name is no place on this loan and I probably shouldn't have been paying it, but I did because my husband 's name is on it. However, it does appears on my credit report, and monthly statements showing payments are sent to me and my son. 

The loan was taken out XXXX for my son who attended XXXX XXXX XXXX XXXX XXXX XXXX. The private lender is XXXX. 

There are other loans from this same lender where my name is also not attached to, but only this one appears on my credit report. 

I was making payments in good faith, only to be met with unfair and unscrupulous practices, such as reporting missing or late payments when that isn't the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2022-06-02
Company: Experian Information Solutions Inc.
State: GA
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 XXXXXXXX Account # XXXX, XXXX Accounts # 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 15 U.S.C 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

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 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several hard inquiries on my credit report that do not belong to me. I have tried to contact XXXX, XXXX, and Transunion about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my XXXX  score to report drastically lower than what it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Experian Information Solutions Inc.
State: TN
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 did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.

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 2023-09-14
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A telephone call on XX/XX/2023. Nelnet had no information on on-ramp repayment the representative said there is currently no such thing. They also said that if payments are missed for 90 days then they will be delinquent and if they are missed for 270 they will be in default and referred to collections. I told them it this information conflicts with what I heard about on-ramp repayment. They said the only thing they currently have is fresh start which involves going into default and then being able to fill out a form at studentaid.gov and re-enter repayment in good standing. I asked how long fresh start is going on but they had no information. They said they may have more information next year or next summer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I recently opened a bank account with XXXX XXXX  XXXX XXXX  ( XXXX XXXX XXXX  ). During the account opening process I was told that deposited checks would be credited within five days. Last week I made a check deposit and after five days I made a payment of {$200.00} via ACH to Discover in order to open a secured Credit Card. 

Today, I found out that XXXX XXXX  XXXX XXXX  did not credit my check deposit within the time period I was told. As a result, I was charged a {$35.00} dollar transaction fee and my {$200.00} ACH to Discover was executed and then reversed. 

Moreover, a review of XXXX XXXX XXXX XXXX XXXX transaction handling history appears to show that this bank is ordering debits to be withdrawn in the beginning of the day and credits to be granted at the end of the day. 

This transaction ordering puts me at a significant disadvantage and cost me : {$35.00} dollars and the likely denial of my Discover Secured Card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nothing under the Fair Credit Reporting Act require a furnisher to furnish negative information to any consumer reporting agencies. The term negative information means information concerning a consumer delinquencies late payments insolvency or and form of default. The term non-public personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. Congress stated results from any transaction with the consumer so sharing non-public personal information to the consumer reporting agencies such as late payments you are in violation .Furnishing negative information is a violation of the consumer credit protection act. You are only furnishing this negative information because your company policies allow you to use unlawful extortionate means to coerce a consumer to make payments on extension of credit. No negative information should be furnished to a consumer credit report without their lawful authority. You are committing unlawful extortionate means such as furnishing nonpublic personal information i.e late payments charge off etc Capital One you can get 20 years for violating 18 u.s.c. 894. Capital One remove all late payments immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX Equifax Most recently on XX/XX/XXXX I sent a complaint to Equifax in regards to a incorrect reporting on my credit report. this debit is not mine. so how can they have validated this debit. i still have not received a response from the creditor or any supporting documents from equifax in regards to this debit beside a credit report updated that list the debit as accurate. its is a false reporting and equifax has not fixed it. i was giving no knowledge of this debit before it was placed on my credit report. 


My primary complaint in all of this is Equifax, none of this would have happened if my personal information had not been part of their data breach, and now they are making it very difficult to correct an incident of identity theft. Equifax 's customer service is a brick wall that is impenetrable. I spent an hour on the phone on with 4 different operators, one of whom 's English was so bad it was obvious she was guessing what I was saying and then reading prompts from a script. The other credit agencies have been very easy to work with ( XXXX AND XXXX ) but when I speak to their customer service agents, they inform me that the incorrect information was given to them via Equifax 's records, so only an Equifax investigation will result in the information being removed. 


I have full faith and credit from the department of state. See Im attached documents I want all negative items and hard inquiries removed from my report. 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution I also have soft and hard inquiries on my Consumer report from several entities that I did not authorize, I have to filed an FTC report with identitytheft.gov Please remove these unauthorized inquiries as well as invalid accounts from my equifax, XXXX, and XXXX XXXX reports. The accounts and inquiries I do not recognize ot authorize are as follows : Accounts - 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. 


The late XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
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: Their investigation did not fix an error on your report

Complaint:
I AM FILING THIS COMPLAINT BECAUSE XXXX, XXXX, AND TRANSUNION HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE

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 2023-10-31
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX again disputing this amount XXXX. This was wrote off from Navy Federal then Conserve and now XXXX company brought the collection. It is the same dispute. I file a complaint and dispute XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. Im a victim of fraud and attach is the police report filed then against Navy Federal. I also filed online XX/XX/XXXX and adding the the copy of the police report again. This needs to be removed and stop being brought out by other company trying to money from me. 




Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: ENCORE CAPITAL GROUP INC.
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists. I asked this company to dispute this unauthorized information off my credit report. Ive asked for verification that its my debt and they cant provide proof because it is not mine. I am a victim of identity theft. Ive filed police reports and sent my proof in and this is still on my credit unauthorized. It has to be removed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
I have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned!

Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. The account with this company has been charged-off, which is a cancellation of debt, which is now income, and according to the IRS, income is excluded from the consumer report. This company is in violation of the law. Please find attached document that further prove my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My name is XXXX XXXX and I contacted Navient approximately 2 years ago and requested to only contact me by mail or email. I asked them to remove my home and work number and any other numbers they have affiliated with me. I did not want to be contacted by any other means. In turn, I've paid the required payment every month. I have not received any phone calls to my home. However, on Sunday, when I arrived at my church, XXXX XXXX XXXX, I was approached by the church secretary and was told Navient has left several messages for XXXX XXXX to contact them immediately. She stated there were messages on the voice mail from XX/XX/2018 to XX/XX/2018 and calls were also answered by an associate at the church on XX/XX/2018. Other than attending the church, I've never worked at the church and I've never received or made any personal calls from the church. I did not even know the church telephone number until I inquired about it to file this complaint. They have violated and consistently disregarded the Telephone Consumer Protection Act although I've made numerous request to only contact me by mail or through email.

I reviewed my online account and in my profile, it list my phone number as ( XXXX ) XXXX. This is the number to the church. I have never provided this number to them and it is on file that I do not receive any phone calls. I've had the same home number for more than 20 years and the same cell number for 18 years.

Company response to consumer: Closed with explanation