BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in XX/XX/XXXX from Central Portfolio Control for a debt owned by XXXX XXXX XXXX. I asked for proof of the debt, the original owner, proof that the debt was transferred to a new owner. They provided a response in XX/XX/XXXX stating that I owe for an online payday loan taken out from a XXXX XXXX tribe. This loan is illegal in my state and it is also illegal for a new non-tribal owner to attempt to collect it. They are continuing to attempt to collect the alleged debt for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XX/XX/XXXX until XX/XX/XXXX I was incarcerated. I had logged into my Chime Account and I noticed that there were Several Unauthorized transactions as well as Unauthorized Transfers. I contacted Chime and filed a dispute, to which they denied XXXX hours after I filed. I filed a rebuttal to the denial and provided them with the documents that prove my incarceration began and ending. They also denied that one as well. I filed a final rebuttal and Ive spoken to them and asked them why my disputes were getting denied, they only told me they were sending a copy of the documents they used to determine the outcome, which I never received. The total amount of money stolen from my account is roughly {$7500.00} and they refuse to help me get it back even though I have sent proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2021-10-17
Company: ACIMA CREDIT, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I HAD AN IDENTITY THEFT WITH MY DOCUMENTS THEY OPENED AN ACCOUNT WITH ACIMA CREDIT A COMPANY THAT IN A PERSONAL WAY I NEVER DID BUSINESS WITH THEM THEY USED AN ADDRESS IN NEW YORK CHECK MY CREDIT REPORT AND THEY HAVE INFORMATION HERE, {$1200.00} # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: AES/PHEAA
State: SC
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:
In your response to my previous complaint, you stated that based on your " thorough review '' forbearance was requested after the loans were reported which restored my account to a current status from the time it was applied. Which does not allow a retraction of adverse credit information that was accurate at the time of the reporting. 

I have a notice from XXXX, dated XX/XX/XXXX, that states you have received and processed my recent forbearance request. In addition to that, I also received the " Forbearance Loan Declaration '' which outlines the details below. 

XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : Delinquency Forbearance XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : Delinquency Forbearance XXXXXXXXXX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX As you can see, the loans that are being reported as past due were in fact approved for retracted forbearance. By failing to update previously reported information, XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the 2 accounts showing late payments from XX/XX/XXXX- XX/XX/XXXX be updated and/or corrected and removed to accurately reflect my payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX  CHANGED information previously reported as accurate, on my Credit report more than a year after the account was closed I believe this was done maliciously in coordination with XXXX XXXX to cover up sloppy bookeeping. Dates of payments received were changed XX/XX/XXXX AFTER I disputed information from my Credit report that showed XX/XX/XXXX payment was paid & verified as ACCURATE by XXXX XXXX Transunion from XX/XX/XXXX through XX/XX/XXXX. My rights under FCRA are being violated. The information provided in my credit reports ( XXXX XXXX Transunion ) are unfair, inaccurate, incomplete & totally unverifiable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 hope you can help! I got a response from the credit bureaus and got a response saying I was a third party and that they want continue the dispute they are stalling! I'm upset because XXXX sending the letters! I'm going to list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. XXXX Account Number : 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 2018-12-05
Company: Experian Information Solutions Inc.
State: IN
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:
Checking for errors on my credit report I found an account and a few inquries I didn't authorize via XXXX, Experian, and XXXX. 
XXXX included inquiries I didn't recognize such as : Screening Reports XXXX XXXX XXXX XXXX XXXX on XXXX, and XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2023-01-31
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: IL
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:
I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've recently made a dispute with cash app on XX/XX/23 with this company about XXXX unauthorized transactions. I was told just wait they'll get back to me recently I call about our times this week I finally got to speak to someone yesterday XX/XX/23 around XXXX I was told my funds will be sent back into my account XXXX minute or up to XXXX hrs from that phone call. ive been waiting by my phone to pay my bills with this funds. They told me they been have a tech issue with people cards so ill be receiving my funds soon. Today I call back about my issue and was told my issue has nothing to do with there tech problem now and my dispute was denied which I was never told any information on why. so I'm currently confused to why I was told I will be receiving my funds and ive been waiting over a month and some change why no one has told me anything about my funds that was taken out o my account. I had plans to use my money for a few emergency bills im currently having. This company talked nasty to me a hung up on me when I asked more question about the process of my dispute and evidence of the investigation. I tried handling this problem with this company for the last month and have been treat badly lately is there anything you guys can do to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint based on your letter of XX/XX/XXXX and it refers to my letter to Wells Fargo dated XX/XX/XXXX. 
I am in the process of reviewing my documents with respect to my mortgage and foreclosure with Wells Fargo. Wells Fargo did not accept my mortgage payments after XX/XX/XXXX and up until the eventual foreclosure in XXXX. I have attached another copy of my letter dated XX/XX/XXXX to Wells Fargo. Please note exhibits B, C and D. 
As you can see from the quotation within their letter dated XX/XX/XXXX ( exhibit B ) This was the first time that they did not accept my legitimate mortgage payment I made on XX/XX/XXXX. In addition, from their quotation there were previous remitted funds that had not been applied As you can also see in my letter of XX/XX/XXXX, that I requested the final destination of these unapplied funds. 
Exhibit C is their check that was sent back to me in the amount of {$2400.00} representing their refusal dated XX/XX/XXXX. I did not cash that check as this was a legitimate mortgage payment. Exhibit C is a copy of their check never cashed. 
As you can see from exhibit D, Wells Fargo in their letter dated XX/XX/XXXX stated Were writing to let you know that a check we sent you hasnt been cashed yet. Here are the check details : Check number : XXXX Issue date : XX/XX/XXXX Check amount : {$2400.00} Individual state law requires us to eventually send all unclaimed funds, such as uncashed checks, to the State Unclaimed Property Department if we can not locate the owners within a certain amount of time. 
My letter to the CEO of Wells Fargo dated XX/XX/XXXX has not been responded to as of this date. 
In addition, I requested Wells Fargo in my letter of XX/XX/XXXX to give me the page number and line number from their abandoned property report as a sufficient time has elapsed so that I may be able to reclaim these funds they never wanted. 
What I have written is not necessarily all my complaints, as I said I am still reviewing the documentation for the mortgage and the foreclosure.

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: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I learned Netspend closed all our family 's account for " unacceptable account usage pattern '' Though following terms, I assume this was a pretext for just not profitable to them as they would not disclose anything further. 

Netspend refused to refund the {$85.00} annual fee I paid on XX/XX/XXXX, just a month ago. They cited since the account is closed, they can't refund. They also refused to send me the remaining balances on all prepaid cards in the family, citing a {$5.00} fee for checks to be mailed as well. 

Since I am not closing the account, the balances and fees for past year, {$85.00} each, should be refunded as I was not able to use the prepaid card for the full year as paid. There shoudl also be no fee for mailing us checks. 

I was not able to use the remaining balance on the card as well via debit transaction as blocked.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2022-05-23
Company: Experian Information Solutions Inc.
State: AR
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:
For the past months I have been trying to correct and delete inaccurate information from my credit profile. I have reached out to the credit bureaus and creditors but it seems as if they could care less if my problem is solved. I read in the FCRA that anything that is listed on my credit report must be 100 % accurate and verifiable. From my understanding there is no way possible that the information reported can be verifiable if it is not 100 % accurate. There is no way, unless the credit bureaus/creditors are lying to us as consumers and the laws that are set to protect are allowing me to be misused, defamation of character etc which is not fair. I read that incomplete account numbers does not serve as accurate account numbers. How do I know that the account is actually mine when the accounts are completed, who is verifying accounts with incomplete numbers? How do I know that they are verifying the right account attached to my social? I could go on and on with inaccurate info and violations according to FCRA.. Are you going to help uphold the law for consumers like me or are you going to continue to allow me and others to be violated against?

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