BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, 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 was a victim of identity theft and reported to Experian, XXXX and XXXX XXXX and they will not remove the fraudulent activity

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 2023-05-13
Company: Foursight Holding LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is the second complaint that I have filed against this company in the last month. They are trying to collect fees from me that I do not owe them and are using illegal tactics to collect them!! This account was reported as closed and paid in full with the credit reporting bureaus in XXXX. I received a statement from them in late XXXX showing account paid in full and even showed a negative amount of - {$200.00} .... I have since then been contacted by this company stating I still owe {$200.00} in late fees but I have statement showing account completely paid in full and account closed with major credit bureaus.. Yesterday XX/XX/XXXX I received notification from all 3 credit bureaus that now the account has a 30 day late mark on my file for this account!!!!! How is that possible if account was closed out and reported as paid in full, this is a violation of the Fair Credit Reporting ACT!!!!!! I need your help holding this company accountable for their actions against consumers and the way they try and collect fees. Very unprofessional

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX, XXXX, XXXX Address : XXXX To XXXX Ct ( XXXX ) Address : XXXX To XXXX Ct ( XXXX & Experian ) Address : XXXX To XXXX Ct ( XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : Bankruptcy Chapter - Chapter XXXX filed XX/XX/2013 ( XXXX & Experian ) The following items are incorrectly reporting that I was late : XXXX   XXXX  - Opened Date : XXXX ; Bal : {$650.00} ( XXXX, Experian, 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 2022-11-16
Company: MOHELA
State: IL
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:
I stayed on the line for almost an hour for someone to even pickup so I can discuss my account and what terrible and UNPROFESSIONAL customer service. The rep had no idea how to address any of my questions and started to just LIE to provide answers. How am I supposed to receive any clear answers when Mohela 's reps are this unprofessional and not even trained for this role. SUCH a SHAME. I need clarification for my public service loan forgiveness and I do not know how to even have any of my questions addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My card was lost/stolen around XX/XX/2020. I reported it to key bank and requested that my card be closed and a new one sent since this was the preferred method of payment for my unemployment insurance. However It has been over six months now and after multiple times contacting the company listed above they had only just closed my card down within the last few months well after a huge portion of my benefits have been spent by someone other than myself and it's now well into the XXXX dollar margin of loss that I have now been taken for and they have not been able to get back to me one time with an answer or resolution to the issue not have they even attempted to contact me leaving it to me to be the only side of our agreements that has followed through and continued attempting to reach out to them in hopes that we may solve this issue in a civilized manner. I now find it most difficult to get in contact with this company there for I am now reaching out to a third party in hopes that I may have some assistance in getting the issue at hand resolved so that I may finally be able to receive the benefits that are not only owed to me but that are most definitely needed and very much the difference between life or death with the importance of these funds when it comes to my living situation and  honestly how much I've been deprived due to the lack of these funds!!! Thank you for taking time out of your day to read this and hopefully there will be immediate action taken so that I may be able to continue my life as close to what it was like prior to the mishaps of losing my income In the first place! Have a great day and I look forward to hearing from you as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: NC
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 ACCOUNT WAS NOT REMOVED FROM MY REPORT ALTHOUGH I HAVE A RECORDING FROM COLLECTION COMPANY THAT THE ACCOUNT NUMBER IN XXXX IS NOT AN ACCOUNT ASSOCIATED WITH ME. 

Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX California XXXX ( account # XXXX ). Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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: Account status incorrect

Complaint:
Vehicle returned to XXXX on XX/XX/XXXX ( as acknowledged on letter attached ). 
XXXX XXXX issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my XXXX XXXX account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by XXXX XXXX. 
I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away XXXX date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with XXXX   Transunion and XXXX  still show this account as late payment ( see XXXX as an example ).

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reaching out to XXXX XXXX for almost the last three years about this loan and I'm still getting the run around with no clear cut answers on why there is still a loan balance on my credit report. The loan was paid in full by my insurance and the remainder by my gap insurance. I recently got in contact with someone from XXXX XXXX about the loan and was told that I would be reached back out to. The only thing that occurred was a {$780.00} decrees in the balance ( {$2400.00} ) to ( {$1600.00} ), still with no proper communication as to why there was a balance ever to begin with.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-06-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Monday XX/XX/XXXX I tried to use the Bluebird mobile wallet/Bank account. I did everything they asked, verified my cards, identity etc to use the service and got transferred the amount of {$500.00} to use at my leisure on the service. 

As soon as I tried to use and and make a transfer to my bank they suspended BlueBird American Express account which had {$500.00} on it. I have no way of accessing those funds anymore and when I called BlueBird American Express they would not help went through 2 transfers and spoke to an BlueBird specialist that told me my account was suspended until further notice do to suspicious activity which they refused to tell me what that was considered or help unlock it. Its unfair business practice as I did everything they asked to create the account and everything was under my name. 

They suspended my account without warning. Now I have {$500.00} in funds that they are basically stealing from me that I can't access. Its frustrating because they just arbitrarly closed my account withoit warning and would not help when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On the XXXX of XX/XX/2022, I transferred the sum of {$1000.00} to my brother using regions bank XXXX service. The money was withdrawn from my account but was never delivered to the intended recipient. I have made several calls to regions online, been to the branch ( Regions bank XXXX TN ) in person several times, exchanged several emails with a representative XXXX XXXX XXXX XXXX ) from the bank for almost 6 months and they havent refunded nor given me any useful explanation as to the whereabouts of my {$1000.00}. The last thing they did was to refer me to XXXX which is another institution that processes some of their transactions. I called the number and XXXX said they have nothing to do with Regions XXXX transfers.

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I received an alert on my XXXX and TransUnion credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from 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 2020-07-31
Company: WELLS FARGO & COMPANY
State: PA
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:
My account was charged with three transactions I did not authorized. The first transaction was on XX/XX/2020 for the amount of {$3400.00}. The other transaction was made on the XX/XX/2020 and was for the amount of {$6200.00}. The other transaction was on the XX/XX/2020 for the amount of {$2900.00}. The bank is saying this is my fault because I shared my XXXX XXXX information I did not share my log in or password information for XXXX XXXX or my bank. The only information that is public is my XXXX XXXX name that is used to receive money. I did not shared my routing or account number I dont know how was possible to make this transaction. I need help. I have filed a police report and also an identity theft 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 explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been brought to my attention that you are not blocking items when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below that need attention : XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4700.00}, XXXX XXXX  Balance : {$11000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance {$8300.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXXBalance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Bread Financial 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: Account information incorrect

Complaint:
I had paid this account off, and called the company to ask why they had not updated my credit report since XXXX. 
I found today on my credit report they had updated my information but state that it was closed by the consumer. This is incorrect information. 

I just wanted to ensure that the balance was at XXXX so I could use the card if I so wished moving forward. When I call the automated service is states I have an amount available when I look online it shows an amount available but I never asked for the account to be closed. I have several other cards with this bank with no problems so confused as to why this has led to derogatory information, meaning my credit score dropped because it doesn't show the amount available any longer. I paid the {$56.00} as they had added this as interest for some unknown reason. They reported closed on XX/XX/26 after not reporting for 5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
The collection amount to XXXX was paid in full. You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose. Therefore I am requesting you promptly rescind all such account information furnished to XXXX XXXX, and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this account from the records of XXXX XXXX, and to require them to have this account information deleted in its entirety from my credit reports will resolve this problem completely.

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 2023-07-25
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This will be a second submission as I do believe my first submission was not received. 

On or around XXXX, 2022, I fell victim to a multi-layered scam operation run by XXXX, XXXX. Which involved me making deposits for a total amount of XXXX from my CashApp account. 

When I asked for help, I got automated responses by the bot ; If I got a person I would always get the same response as the bot. 

I would not like to stop my business with CashApp, and I'd very much like the matter to be resolved soon as possible in order for us to smooth out any rough patches or edges that we currently may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I cancelled my service with XXXX in XXXX. They responded that they received my request. I then received a message from someone from their customer service that I need to call them with my PIN number in order to cancel. I don't know anything about a PIN and I let the customer service person know that I have already ported my number to a different company and they are to cancel my account immediately. They keep refusing to do so. I have on multiple occasions contacted American Express to let them know to reverse any charges since XXXX and to not allow XXXX to charge my credit card ever again. They said they would do it, but then they re-charge my card because they say the merchant told them I never provided the PIN to cancel the account and then they also keep allowing new charges. I just completed a dispute with them again today, but they seem reluctant to say they will no longer allow charges from this merchant. I am commission only at my job and I don't have time to spend trying to resolve this issue over and over again. If someone could help me get it resolved, I would sure appreciate it.

Company response to consumer: Closed with monetary relief