BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I was told that my account ending in XXXX balance was XXXX so I paid it and it was reported to the credit bureau now 3onths later they are calling and harassing me about being 60 days late, now I haven't heard anything from them since XX/XX/XXXX when the account was paid, I also have another account ending XXXX and in XX/XX/2019 was told my balance XXXX so I paid XXXX left my balance of XXXX when I went to pay the balance they are now saying that my balance is XXXX. I have been getting the run around, I spoke with a supervisor name XXXX in the collection deprtment and she said that she an see that my was balance was XXXX in XX/XX/XXXX and I made a payment, did not undersatand why the amount change so was sending it to the review department to be review on XX/XX/2019 and still to this day haven't gotten a answering whenever I call to see what is going I get threated about being sent to the credit buren this company hs been giving me the run around for over two weeks. 
please can you help me resolve this. 
XXXX XXXX Conn 's home plus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my TransUnion credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my TransUnion credit report had also been made by XXXX XXXX XXXXWH XXXX XXXX XXXX XXXX XXXX MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. 

On XX/XX/XXXX and XXXX, XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''

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 2023-06-11
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Square Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, this is not my first time going through something such as receiving deposits from cash app ive been a valued customer since XXXX and never had this problem up until XXXX of last year. They cash support no one ever responds and they numbers gives me the run arounds i havnt been able to speak to anyone directly about my problems cause they are either telling me they dont see no deposit or they dont know whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable 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 2019-12-18
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This relates to a previous complaint : XXXX. I have waited over 6 weeks and the funds have not been received by my new HSA provider. I have waited long enough. To make matters worst the HSA provider has started to fee the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
Last summer  I saw a XXXX ad for a company called Transferwise  I am very Financially minded so I was interested in the services of the company , especially their Borderless Account , allowing you to transfer money  Between various currencies instantly all within the app   I had no particular use for the service at the time , but I wanted to play around with it, and since the company officially allowed for payments using visa or mastercard  , and because my Chase credit card did not treat transferwise like a Cash Advance, which at the time I thought was neat, and could be useful in some way to make me some extra money  ...  I continued to use the service as intended for about three months, until I got  an email from transferwise saying they were shutting my account down      I asked them to refund me any and all transactions, but they quite openly and rudely refused  , leaving me with about $4,500 in fees...    I asked Chase to dispute and and revoke the transactions, but they were pretty much powerless, and or did not want to get involved    ...   and now Im stuck paying down $4500 in fees     ....   it would be nice if yall could force transferwise to return as much of my money as possible....  ThanksXXXX  PS  I would have submitted this earlier , but honestly was a little sceptical to submit this , until somebody mentioned to me , that in this Case I very much have grounds to submit this case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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:
XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: IA
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:
There is a charged off account on my credit report from XXXX XXXX I began disputing it back in XX/XX/2021. The information for this account changes every month ( balance, date of first delinquency, etc. ), the information as to when it actually charged off between the XXXX bureaus is completely different which per the Fair Credit Reporting Act ( FCRA ) signifies inaccurate reporting. This account is sinking my credit score and I have attempted to work with both the XXXX credit bureaus and the original creditor to no avail. The company refuses to even send me a settlement letter or billing history verifying this debt, which I'm pretty sure is also a violation of my rights under the FCRA. The credit bureaus also are supposed to provide information regarding how they went about verifying the accuracy of a debt when which was not done when I requested an investiagtion. What is the point of having the FCRA if the credit bureaus and companies can simply do what they want and get away with 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 2019-09-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To whom it may concern, I would like to file a complaint that Navient fraudulently took out {$240.00} from my checking account without my authorization. In the prior month of XXXX I successfully cancelled an auto-draft payment for student loans and it did not come out. This month on XX/XX/19 Navient took money out of my account that without my authorization. 

I spoke with Navient on the phone today on XX/XX/19 and they have verified that it was taken out and acknowledged today that it has been cancelled. The supervisor claims to have escalated the request to get my funds returned, but says it will take at least a week for me to get the funds returned to me. This will affect my available funds to pay necessary bills in this pay cycle. 

I would also like to file a complaint against the agent XXXX that answered my call. She did not ask me my concern when answering my call, and went right into asking me when I am going to make a payment. I feel is very rude and not very customer friendly. This clearly shows that this company cares nothing about their customers, or expresses empathy or any concern for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My information might have been impacted by a data breach and may have got into the hands of the wrong person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX  party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$XXXX} ; XXXX XXXX XXXX XXXX Balance : {$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 2017-01-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Other

Complaint:
I am in the process of applying for a mortgage and a comment on my Citi Credit card states, " SUBSCRIBER REPORTS DISPUTE RESOLVED - CONSUMER DISAGREES ; CONSUMER DISPUTES AFTER RESOLUTION ''. After speaking with Citi, they have no disputes on record nor do they have any idea what this is in reference to. Since I am applying for an FHA, this is holding up my approval process. I have submitted this request to Citi via fax as well, and they stated it will take 30 days to look into this. Since I already put the offer in on my home, which was accepted, I do not have 30 days for resolution.

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 2023-02-09
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
First, I forgot my password and called 2 time for help but they nothing to do. 
Second, I called about my Barclays credit card ending XXXX before I use. They said if I use that card about {$2000.00} during first 90 days opening. They will waive {$95.00} annual fee first year and bonus XXXX miles about 4-6 weeks. However, now <90 days, and they charge fee {$95.00}.

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been with consumer powers for overs and my account was paid while my services were still on at my address and it was paid through consumer powers before XX/XX/XXXX. When I spoke to consumer powers that year and they told me that it went to collections by mistake and it was pulled from them and I found it on my record in XXXX and I called them back and they told me that the company said they bought it and it didn't matter that it was paid on time through the company which is consumer powers that they had bought the account it will still show late payments on their end even when it was paid off. So i decided to call the company in XXXX and they told me that it was removed and I told them that I still see it on my credit report. They asked me when was the account paid off and I told them in XXXX. So I called the company back and they told me it was paid off and the collection agency wouldn't let them remove it so I had to dispute and I been disputing this account for serval years now. They found out found by me that it was paid off and they had to keep what was on the account still. It's been over two years on this account and it is still showing paid on time but it's also showing negative from all credit bureaus.

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 2020-10-20
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On internet advertising by XXXX XXXX terms of purchasing indicated 0 % interest for 48 months. XXXX  was {$1800.00}, terms {$39.00} a month for 48 months. Terms are rounded up to the even dollar. After reaching agreement to purchase said XXXX  on condition I get the no interest plan, I was referred to Synchrony bank to make application for the credit card necessary to obtain the above-stated terms. I was denied the card. I had been previously approved by them for a card in the purchase of a {$3900.00} guitar on similar terms. I cancelled that card because the guitar was backordered and Symphony would not guarantee the 48 month no interest terms at a later date. In my shopping, I see that Synchrony and most other national musical instrument retailers are advertising similar terms. 
Three days ago, I obtained my own credit report, which indicated more than 20 years of credit card purchases and mortgages. There are absolutely no defaults in payments in my history. I have always paid by credit card monthly balance in full, never using the bank 's high interest rates.

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 2022-11-23
Company: EQUIFAX, INC.
State: NM
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 ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$29000.00} XXXX

Company response to consumer: Closed with explanation