BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-19
Company: Square Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
A XXXX  payment was made using my account, cash tag $ XXXX. I immediately notified cash app. I then received notification that my phone number had been unlinked to my account as well as my email. This took place on Sunday XX/XX/XXXX around XXXX. The cash card associated with the account was **** **** **** XXXX CVV *** EXP **/**. The bank account associated with the account was XXXX. I reached out for assistance and Was advised that more information was needed to authenticate my account I provided the information that they requested and was advised that there was no way they could assist with resolving the issue nor would they be able to provide refunds or access to my account. Multiple transactions and deposits have been made to account. And the account Is still open as I verified with multiple merchants that the refunds they have initiated have successfully went into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2020 I pulled my report again and noticed that XXXX XXXX is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my credit

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-07-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently submitted a complaint to CFPB in regards to an amount Nissan is now saying I am to pay which is {$660.00} due to a partial payment being made in XX/XX/XXXX and {$92.00} is an amount left over to pay, making my payment increase to {$660.00} and that my contracted amount is still {$570.00}. I have been affected by Covid and I have requested extension for XXXX and XXXX there was no payment made making any balance owed of {$92.00} to be tacked on to contracted monthly payment making it {$660.00}. The last payment I was able to make was in XX/XX/XXXX and it was for the full contracted amount of {$570.00}. Before that also payments were made as agreed According to contracted amount before financial hardhship. Since XXXX of XXXX the history shows Nissan stating my monthly payment amount is {$660.00} and not XX/XX/XXXX. And the last time posted per statement of contracted amount was back in XX/XX/XXXX and by that appears Nissan changed my monthly payment amount wayyyy before this year came into play. Per-attached shows the changed payment amount to {$660.00} happening back in XX/XX/XXXX per Nissan Statements I recieve online per their portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
US Bank, at branch level, closed my account and restricted access to online and statements. I communicated 2 months and was lied to by 4 different individuals as to why account was closed. US Bank stamped a check account closed onXX/XX/XXXX. I was told the account was NOT CLOSED shortly after. I received a letter XX/XX/XXXX stating after the date of the letter the account will be closed. This has caused other banks to put holds on my accounts causing declined payments in turn causing fines, fees, and heartache. My credit has been damaged terribly. I was also discriminated based on my religion from branch manager. I was restricted grow withdrawaling funds and there was no hold, and it was available. Even the phone bankers and the teller told me the money was there and available, but just wouldn't release. I've been waiting 3 months for resolutions. Haven't had any call backs and no one gives answers. I just received statement on Fri XXXX of XXXX. Outrageous. I now have restricted access to my XXXX accounts due to their closing and opening of my account without informing me. Please help

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 2023-09-06
Company: NEW YORK COMMUNITY BANCORP INC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Flagstar bank miscalculated my escrow payment by almost 100 % and is charging me over {$2000.00} extra per month. I have to make the full payment or they will impound the funds and not apply it to the payment and I will be in default. 
After contacting them by phone and email to correct the problem and providing a copy of the tax bills they have not responded.

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 2023-09-25
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
citibank must delete the goodyear account or update the balance to {$0.00} because XXXX and XXXX keeps coming back as balance reporting correctly

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 2022-05-26
Company: Affirm Holdings, 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: Information belongs to someone else

Complaint:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: RICHLAND HOLDINGS, INC.
State: NV
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:
ACCTCORP OF SOUTHERN keep reporting me as owing funds to the XXXX XXXX  XXXX which the prior manager took and was fired. I have already reported this over and over. that funds were paid to the prior manager who was fired.

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 2020-07-19
Company: ALLY FINANCIAL INC.
State: NE
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 filed chapter XXXX bankruptcy and we had an account with Ally Bank for a car loan. We did not reaffirm this loan in our bankruptcy. Ally continued to send late payment notices to XXXX. They even closed the account and opened it back up to only record another late payment. We have disputed this account 8 times and have attempted to call them. We have tried to talk to XXXX  and they say they are supplied with the info and report. We have even had our attorney contact them and they seemed to get mad and open it up and nail us with another late payment. My wife had the same account and they reported hers accurately. We are two years from our bankruptcy and my wife and I are getting ready to purchase a home. We have worked very hard to rebuild our credit and this company has continued to harass 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 non-monetary relief
Consumer complaint received 2020-07-19
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment to Chase XXXX over a week ago. Chase took the {$1200.00} from my bank a week ago. They refuse to release the credit for use on my card stating that I paid a large amount and even though they have taken the money they said it can take awhile to apply it to my card for use. I feel that this is stealing and I have never had this problem with any other credit card. They took payment from my account that cleared and Chase is refusing to update and apply the amount to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts that were opened and operated by someone else located on my credit report. I have no knowledge of who has opened the accounts that are located on my report. There are three accounts that are listed fraudulently and incorrectly ; one account is XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions, the fraudulent account still remains on my credit report. 

Another account that is fraudulent on my credit report is XXXX XXXX XXXX XXXX, fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report. 

The remaining fraudulent account on my credit report is from a collection agency called XXXX XXXX, this account was fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
1. On XX/XX/2020, I called XXXX and requested to make a transfer of funds from XXXX  to XXXX XXXX XXXX. The representative from XXXX instructed me to initiate the transfer through my XXXX banking app. I put my XXXX credit card information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to Chase ( as opposed to XXXX  ). I do not have a Chase account. I called XXXX and told them I do not have a Chase account. The representative from XXXX told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and XXXX ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to Chase. They said that this would take 5 working days. 4. I waiting 5 days and called XXXX back. The money was not returned to my XXXX account. A XXXX representative said there is nothing they can do because the check was cashed by Chase. They told me to go to Chase and to request the money be returned to XXXX. I called Chase, and they told me that XXXX needs to request the check from Chase. XXXX then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to Chase and not XXXX. 5. I went back to Chase and they said they could see the check in their system, but that XXXX needs to request the check. I went back and forth for months now, and XXXX is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical Chase bank, and although they were not able to help me, they told me that XXXX has incorrectly sent checks to Chase before and that I was not the first person to have this issue. 7. I have filled out a previous report with the CFPB, in which XXXX said they faxed Chase a request for the money. Chase has refused to return the money. 

I am now filing a report again, this time against Chase. XXXX has reached out to Chase to return the {$3000.00} but Chase has repeatedly ignored these requests. I have attached letters which demonstrate that XXXX has sent requests to Chase for the refund several times. 
*********** Summary : I requested {$3000.00} be paid from my XXXX credit card to XXXX. XXXX sent the {$3000.00} to Chase incorrectly. Chase has refused to return the money despite numerous attempts by XXXX to request the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, amount of XXXX. I have disputed this account with all XXXX credit reporting agency. I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: NY
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 requested for experian to remove XXXX credit card from my credit report, my XXXX  card went inactive on or about XXXX, I went to XXXX  on XX/XX/XXXX, sometime in XXXX XXXX  reopened my credit card without any authorization and the card was fraudulently used. It would have been impossibe for me to reactivate my card, I was in XXXX  with a sentence of XXXX  months which is XXXX. this account was reactivated under fraud pretence, I gave this information to experian and XXXX  card and they have continued to report this account with the fraud charges and as charged off, I am not reliable for this debt. I was 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 2021-07-13
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have tried to reach out to Discover several times about them reporting something on my personal credit without my permission or authorization. They have ignored me and said they will reach out to me several times but has not taken any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Every year I submit my application to Navient to renew the Income-Based Repayment ( IBR ) Plan with them for my student loans. And every year it takes months of going back and forth of them saying they need more information from me despite the fact that I have provided everything the application required. I do the same process with XXXX XXXX and I have no issues. With Navient it is a fight to get the IBR plan approved. Not to mention the fact that I submit my renewal on time and get the acceptance notification. Then not 2 days later I get an astronomical bill from Navient. And I am charged a processing fee for applying for the IBR plan! Can't forget about the harassing phone calls that I get every day that total up to 5 or more. Something needs to be done about this crooked company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: LDF Holdings, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I emailed the lender and explained to them a week before my first payment was due that I live on ssi and am in XXXX from XXXX XXXX and I could not make my payment we agreed they would be putting my XX/XX/XXXX payment at the end of my loan and i would not pay XXXX payment they emailed me back two days later said it was too late to negotiate that and they with drew the money I was sick and didnt even get a copy of loan agreement or know what i signed they preyed on me i was desperate but they knew i couldnt afford this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have a few fraudulent accounts appearing on my credit report. 
XXXX XXXX XXXX XXXX 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
credit reporting agency reporting items without my permission

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This inquiry is unauthorized. I already sent a letter to XXXX, XXXX  and Transunion multiple times but until now, this still is being reported. I never authorized this company to run my file.

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