BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2020-01-16
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a Discover credit card - each and every time a payment is late ( not delinquent, just not on the due date, less than 30 days late ), I receive repeated phone calls almost every day of the week. In the last 3 days, I have received 10 phone calls from them with no messages left. The tactic is harassing and intrusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My pre-paid debit card was not working at all locations so I called Direct Express and they sent me a new card. When I went to activate new card upon receipt, they are refusing to let me use the account despite verifying my account several times and providing all required documents. They initially requested my Drivers License which I provided and they said they needed more informaiton, and yet, they still will not give me access to my accounts. When calling them - now they want my birth certificate and i'm currently in California visiting my son where they sent my new card to but my birth certificate is where I live in Florida. This is ridiculous and they refuse to share what the issue is with my account. Meanwhile, i'm unable to see my account, withdraw monies or have any access whatsoever despite confirming everything to them. What a fraud of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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 2020-01-16
Company: AMERICAN EXPRESS COMPANY
State: MS
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:
Dear American Express Compliance/Legal Department, On XX/XX/XXXX I was informed via email by American Express that charging on my credit card account was suspended, and that I would need to complete and return a tax form called the 4506T in order to conduct a financial review. I promptly completed the form and followed American Expresss instructions to securely submit it. However, I mistakenly signed my name electronically whereas the form required me to sign it in ink. I was informed that I had made this honest error by XXXX XXXX, an Account Manager with  the American Express Financial Review Team. His direct line is XXXX, extension XXXX. 

I summarily completed the form again, signed it, and electronically scanned the document to send to American Express on XX/XX/XXXX. However, as I can now see, I mistakenly wrote the date as XXXX, instead of XXXX, due to my forgetting the recent New Years change. Today, XX/XX/XXXX, I contacted Mr. XXXX via phone to request an update on the status of my account. He informed me that the IRS had rejected my form 4506T because of my clerical error. This matter was also an honest mistake ; however, Mr. XXXX told me that American Express will not allow me to submit the 4506T document more than two times, but he specifically stated over the phone that this policy is American Expresss, not the IRSs ; the IRS would gladly allow me to submit another form. Mr. XXXX explained that because I had already submitted the document two times, I had no more chances to verify my income with American Express and that my account would be closed. Nevertheless, I would be very distraught if I were to lose my American Express credit card account. 

I am submitting this complaint, along with the attached documents, to respectfully request that I may be allowed to submit my documents one more time, without error, so that my account may be reinstated, and I may enjoy the benefits of being an American Express Blue Cash Preferred cardholder. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account NumberXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account details Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number 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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from getting a house for my family.

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 2023-08-04
Company: Army and Air Force Exchange Service
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX Account name : XXXX Account name : XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

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 2022-02-24
Company: Block, Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a loan from XXXX XXXX, a XXXX XXXX XXXX XXXX subsidiary. I owe the company the debt. The debt negotiation was made on my behalf by another credit relief company called XXXX XXXX. the negotiation was completed, and I made the complete payment for the debt. Then XXXX XXXX XXXX XXXX gave me a release letter for the account, which shows I have completed my payment. But t XXXX XXXX XXXX XXXX refuses to authorize the release of my withheld account. These accounts are Cash App and XXXX XXXX. 
Today, XXXX, the cash app sent me an email that XXXX XXXX has not sent them a release letter. my account with cash app and XXXX XXXX is still held because XXXX XXXX  refused to send the release letter to the cash app and XXXX XXXX for my accounts release please help me to tell XXXX XXXX XXXX XXXX to release my accounts. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Ive never had a check n go account my entire life. Im receiving what Im assuming is scam texts from XXXX ( XXXX ) XXXX Your Check N Go account is with XXXX XXXX XXXX for collections. If we are unable to resolve your account, we must return it to the current creditor, where upon return, it will be further reviewed to see if it meets their criteria for referral to a law firm in your state. Visit XXXX XXXX XXXX XXXX XXXX XXXX to learn more. This communication is from a debt collector.. Reply stop to opt-out. ( Trying to determine if its Scammers or if I had my identity compromised ) Never received a letter or phone call just texts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2023-11-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I check my credit score with the bureau and realize that hard inquiries on my credit score that I dont know about

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 2023-11-07
Company: Colony Brands, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) are reporting ( late payments ) inaccurate information and are in violation of 15 USC 1681 s-2 ( a ) ( 1 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. I have a mortgage starting from XX/XX/XXXX served by XXXX XXXX XXXX ( XXXX ) and I have paid twice through the mail but I did not receive any confirmation. I try to log in to my account to see my information ( my remaining loan and all the payments I have made ), but the reference number they gave to me is wrong and I can not log in at all. I called them and every time they said they will solve but nothing happened. 
2. On XX/XX/XXXX, I got an email saying that my mortgage has been transferred to the Shellpoint Mortgage Servicing XXXX http : //www.shellpointmtg.com ) and they also gave me a new reference number to access my account. I still can not use this reference number and my SSN to access my account on their website. I called them many times and they did nothing but perfunctory. I have no other ways. 

It is our right to receive the confirmation of our payment and check how many loans are remained to pay. I need to know the details of my payment and mortgage progress. I even can not pay online. Thank you very much if you could help me. 
My name is XXXX XXXX. My property address for the mortgage is XXXX, XXXX XXXX XXXX, XXXX, XXXX, VA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: CA
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  Account # XXXX, # 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.

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 2022-02-23
Company: Advanced Portfolio Group LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022, at XXXX XXXX, I was contacted by a XXXX who did not identify himself, from what I later discovered was Advanced Portfolio Group located in XXXXXXXX XXXX XXXX XXXX This XXXX disguised his number by using XXXX, a number with an area code belonging to the XXXX  XXXX XXXX along all with government offices and departments of the state, to call my phone. He demanded I return his call at XXXX about a 'location report ' being conducted at my address, demanding that I verify my physical location. The voicemail he left has been saved by me as evidence. Advanced Portfolio Group is deliberately misrepresenting themselves and using false or deceptive tactics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/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 explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2023-11-09
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mohela is reporting my student loan to all agencies twice, doubling balance from XXXX XXXX XXXX XXXX XXXX They acknowledged the error was on their end and it would be corrected for reporting the following month. Nothing has happened or changed,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a bank account on XX/XX/XXXX at the branch for the direct deposit and was given a bank account number ending XXXX. I updated all my direct deposit information with my employer. On the payday, I did not receive my salary and checked again on XXXX, XX/XX/XXXX. After, scrutinizing I realize the account number is completely different in the Wells Fargo system I have logged into. This new account ends at XXXX. This was completely different information and I check with the XXXX customer care, who directs me to go to the branch to resolve and get my direct deposit updated with my employer as XXXX does not exist. This is an online account and we were told you will have no need to come to the branch ever. In addition, when we asked the branch banker on XX/XX/XXXX to close an account, he advised the branch to do it online ( and on XX/XX/XXXX, for another issue we were told to go to the branch to resolve and get information ). At the branch I called the manager on XX/XX/XXXX morning from home, the branch manager can not process my concern as she wants me to come to the branch only to authenticate my confidentially ( given the whole banking system asks for my social, name, etc to authenticate me and even Wells Fargo set up 'my voice is my password ' ). They why did the branch tell me I can access every information for my account online and did not need to come to the branch. The Branch manager tells me since I can not take a day off to go to the branch to solve this issue, she can escalate and I would get a call within 24 hours. I get an acknowledgment email and waiting another 48 hours for the call to process my direct deposit. I call the escalation number on XXXX XXXX, where I have been told that it takes up to 10 business days to assign a case manager and the acknowledgment is what is given within 2 days. So in short, the customer care on XXXX  pushes me to go to the branch manager, the branch manager after 48 hours pushes to escalation and now I have to wait. Everyone does apologize for the issue, but no one made any attempt to check the account or send back the acknowledgment to my new employer that account XXXX does not exist so that I can get my paycheck. All I am getting in this hassle are mere words and no actions. I am just asked to move in different directions without any concrete actions so that I can get my missed paycheck on time. No one in the bank is ready to sign and give an acknowledgment that the XXXX now does not belong to me even as all my consumer application forms right now have XXXX accounts and none with XXXX. My employer till XX/XX/XXXX, has not received a return email from the bank that XXXX does not exist so that they can re-process my paycheck to the correct 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