BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I attempted to transfer a small amount to my Cashapp account as I have done in the past but the wrong amount was transferred. 

I immediately contacted CashApp and the representative I spoke with was very adversarial. I informed them that wrong amount was transferred and this created a hardship for me. The representative was very dismissive and told me that it could not be cancelled. 
I explained several times that the transfer amount was a serious mistake and I needed help to resolve it. 

The representative was so negative that I requested to speak with a supervisor. I was then told that it would take several hours for a supervisor to contact me. I explained that this was XXXX XXXX and that this problem was just unbearable. 

The representative told me that a Supervisor would inform me of the same information that they shared. I again requested to speak to a supervisor and I was transferred to XXXX who was very condescending. He stated that he could not cancel my transfer because I accidentally made a transfer. He told me he would look into my account and then I was informed that he closed my dispute and I would have to contact customer service another day to address it, after I requested my reference number and again requested to speak with a Supervisor. 

XXXX, unethical predatory business practices is criminal and they should not be allowed to operate a business with cutthroat tactics being utilized against consumers. 
There is something wrong with the app itself. I entered {$2.00} and instead the app transferred {$250.00} from my account. This is not accurate and I pleaded with Cashapp representatives to cancel the transaction because it was fraudulent. 
The representatives I spoke with in the App deliberately stone-walled me to prevent transferring me to a supervisor. The in chat messaging took place for over an hour and I directly contacted CFPB because it was demoralizing and completely wrong that I had to endure this level of abuse on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
JCP Mastercard increased the APR interest rate to XXXX Percent without notification. This act caused the account to go over the credit limit. This in turn caused my credit worthiness to decrease and my FICO score to decrease to an unfavorable number score. Since 1999, I have been with the card. I have never been late in payments, have always paid more than the minimum payment. I asked JCP Credit Synchrony bank to increase the credit limit to off set the extremely hight interest rates that took the account over the limit and they rejected the request. I also asked them to consider lowering the interest rate and they also declined. 
This is usury. They increased the interest rate by more than 20 points. They did not sent a notice of the increase although they knew that I was closed to the credit limit. 
This over the limit amount was caused by the interest rate increase of XXXX and XXXX and XXXX that posted to the 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 2023-08-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I paid off my XXXX XXXX  loan on XX/XX/2023. Approximately one week later, I called XXXX XXXX  to confirm that they had received the final payment and that I had a XXXX balance. I was informed by the customer service operator that they had received my final payment and that I did have a XXXX balance. I then requested a document on their letterhead to prove that I have a XXXX balance and that my account was paid in full. I was informed that XXXX could not accommodate my request, but I will receive a final statement that shows a XXXX balance, and I can use that as proof that my account has been paid in full. Approximately two to three weeks later, I did receive a statement from XXXX XXXX. The statement reflected my final payment and informed me that I had a XXXX balance and that a payment was not due. In XXXX of 2023, I ran my credit report from the big three reporting agencies so that I could review for errors. My credit reports reflected that I owe XXXX {$190.00}. I disputed this amount with the credit reporting agencies and provided supporting documentation. Upon completing the investigation, it was found that XXXX is reporting accurately despite having statements from XXXX informing me that I have a XXXX 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 explanation
Consumer complaint received 2023-08-06
Company: Mr. Cooper Group 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:
I recently opened a mortgage loan on an investment property which SHOULD'VE been under my LLC 's credit report and not my own. My LLC is a XXXX XXXX where I only have 33.33 % interest into the investment property, but I acted as the signer on behalf of my LLC when we signed the loan documents. Before signing documents, I confirmed with my loan officer that I was only signing on the LLC 's behalf and that this loan would not show up on my personal credit report. I even have the loan disclosures to show that the LLC is listed as the borrower, not my personal name. However, this mortgage loan is currently showing up on my personal credit report and I have already reached out to my loan provider to correct the issue. However, they said since it's my name on the loan documents, I have to be held responsible for the loan. They have asked me to reach out to the credit bureaus if I wanted to extend this investigation further. I have included their official response letter along with my evidence showing the formation of my XXXX XXXX which shows my interest percentage in the company, the corporate resolution document signed by the other members of the LLC to show that I have the right to act as the signer on the LLC 's behalf, and the loan disclosure and documents which shows that the LLC is listed as the borrower and not myself. Furthermore, I want to make a point that this investment property and loan is signed in Arizona where state law requires that an individual must sign loan documents even if it's on behalf of the LLC. They do not allow the LLC entities to be the official signer of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A. I have the writes to privacy 15 USC 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intructions 15 USC 1681 Section 602c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of any other adverse item 15 USC 1681 Section 602 s-2 ( a ) ( 1 ) A person shall not furnish any information Relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: WHEELS FINANCIAL GROUP, LLC.
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 belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXI AM A VICTIM OF THE XXXX BREACH. MY PERSONAL INFO WAS USE TO OBTAIN GOODS. PLEASE BLOCK THESE ACCOUNTS FROM MY PERSONAL INFO. 

XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX ARE ALL FRADULENT CHARGES FROM XXXX DATA BREACH. 

I HAVE OVER 100 FALSE INQUIRYS PLEASE BLOCK THESE INQUIRYS XXXX XXXX  XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX   XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Nelnet, Inc.
State: VA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: OH
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 need to update my personal address and remove the other addresses from 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 non-monetary relief
Consumer complaint received 2023-08-06
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I sent write letters to the CRAs & these companies for the attached accounts. I also submitted a CFPB complain for XXXX XXXX  on XX/XX/XXXX & XXXX for XXXX XXXX  on XX/XX/XXXX. 

They have had ample time to update their records. I am showing a MAJOR violation in their investigation processes, not only are there inconsistencies within their reporting, but they are not showing that these accounts have even been disputed. 

This does not display accurate reporting that I am entitled to. These accounts have been marked as verified, but do not display that an investigation was even initiated. 

These inaccurate accounts should be removed immediately for a major violation of the FCRA. They have each had at least 5 times AND ample time to update their information records and have chosen not to.

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 2023-10-17
Company: Nelnet, Inc.
State: ID
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX XXXX XXXX my Federal Student Loans were fully discharged as part of my XXXX XXXX XXXX  proceedings. The court confirmed that Nelnet was duly notified of my impending discharge and did not contest it, leading to the finalization of the discharge. I believe Nelnet was aware of this, as they temporarily removed the debt from my credit report. However, it has since been reinstated by them, which is legally incorrect. I have uploaded the certification of my discharge to the Nelnet website and have also sent messages and emails to them numerous times regarding this issue over the past month, but I have yet to receive any response or acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/XXXX I applied for financing at my local furniture store. I submitted an application to Synchrony Financial and my application was denied. I did receive an immediate notification from my credit monitoring system stating that my credit had been accessed. Today, XX/XX/XXXX, I received the denial letter which states that " no credit report was found ''. They improperly used my credit report but accessing it and basing their decision on the fact that they allege they couldn't access it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
all 3 major credit bureaus have been furnishing incorrect information on my credit profile. the following accounts have been added to my credit profile unlawfully as they do not belong to my name.MY NAME IS XXXX XXXX, SOMEONE ELSE WITH SIMILAR NAME OR FRAUD INTENTIONS HAVE OPENED UP SOME ACCOUNTS THAT DO NOT BELONG TO ME OR HAVE NOT BEEN CONSENTED BY ME LEGALLY.I have filed a police report and obtained a copy of it, i have other supporting documents to support my claim that this is fraud conducted by all 3 major credit bureaus, XXXX, XXXX XXXX AND EXPERIAN ; XXXX  XXXX XXXX XXXX XXXX XXXX ( {$0.00} ) OPENED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$760.00} ) OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX , ACCOUNT XXXX XXXX ( {$440.00} ) OPENED ON XX/XX/XXXX 4.XXXX  XXXX XXXX ACCOUNT # XXXX XXXX {$780.00} ) XXXX. XXXXXXXX XXXX  ACCOUNTS # : XXXX ( {$110.00} ), ACCOUNT # XXXX ( {$67.00} ), ACCOUNT # XXXX ( {$840.00} ) 6.XXXX XXXX XXXX, ACCOUNT XXXX XXXX ( {$610.00} ) XXXX XXXX ACCOUNT # XXXX ( {$780.00} ) ACCOUNT OPENED ON XX/XX/XXXX. 

7. XXXX XXXX ACCOUNT XXXX XXXX ( {$780.00} ) OPENED ON XX/XX/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 2023-04-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
15 us code 1666b 15 us code 1666 15 us code 1681b As well as this information is just plain incorrect! Ive never had an account with dignifi Ive contacted XXXX and experian! No one is listening

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 2023-03-15
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit limit with Chase was {$22000.00}. Chase let me go over by three times the amount, over {$67000.00}. This is illegal. I have made payments since then. My balance now should be no more than {$10000.00} after subtracting the payments from the limit of {$22000.00} from when I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: IL
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 pulled my credit report and seen that I had inaccurate information reporting on my credit.In accordance with the Fair Credit Reporting Act. The account listed below has violated my protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
-Account Name ( XXXX XXXX XXXX IL XXXX XXXX reference number XXXX I reached out several times with certified mail. The second time I got a response and they told me the information was verified. I also sent over a letter from the XXXX XXXX XXXX IL ( # XXXX ) verifying that they do not report to the credit bureaus. So, the investigation was not done properly.

15 U.S.C. 1681 Section 602 A. I have the rights to privacy.

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an 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