BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been battling with TransUnion since last year because of their unlawful and unauthorized reporting. 
To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. 
My last communication with TransUnion was on XX/XX/XXXX, where once again ( previously submitted more disputes ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to XXXX XXXX XXXX they had to block the information being disputed and correctly identified on the XXXX report in XXXX days. 

Today is XX/XX/XXXX and said information is STILL being reported. I filed several complaints and instead, they have DELETED my disputes from their system ( or at least from my side that I can see ) they have BLOCKED my ability to retrieve my report from their website and from the annual credit report website. I have submitted complaint # XXXX which is still open and they have not solved the issues. 
They continue reporting a hard inquiry from XXXX made on XX/XX/XXXX which had no permissible purpose and WAS INCLUDED in my XXXX identity theft report. 

BY LAW, XXXX WAS TO BLOCK SAID INFORMATION WITHIN XXXX DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION

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 2017-09-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am having trouble making my payments which is {$88.00} a month so I called Navient the servicer my previous company XXXX XXXX sold my loan to so I could ask for some kind of forbearance for a few months so it wo n't affect my credit and they refused to give me a forbearance unless I gave them a payment of {$50.00}. The point is that I did n't have the money and the reason I 'm called to ask for the forbearance because if I did I would have just made my regular payment. My payment was due yesterday XXXX and I tried reaching out to them today XXXX but kept getting the run around and was on hold for at least an hour and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One is in violation of the Fair Credit Reporting Act because they are reporting inaccurate information on my credit report that they said they verified as accurate after my first CFPB complaint, no XXXX. On XX/XX/XXXX, XXXX XXXX said that he verified my credit report was being reported as 30 days past due for XX/XX/XXXX. Well I just looked at my credit report again and it shows that I was 30 days past due in XX/XX/XXXX on XXXX and 30 days past due in XX/XX/XXXX. And XXXX is n't even reporting the account. I know for a fact that I was not late in XX/XX/XXXX and XXXX XXXX even confirmed that I was late in XX/XX/XXXX and said he could n't modify the late payment. Well now that inaccurate information is being reported after you verified it as accurate, I am entitled to {$1000.00} per the Fair Credit Reporting Act and even more if I were to hire an FCRA attorney to help me. Now the last thing I want to do is keep dragging this out any more than we have to. Clearly when I made my payment I was not aware that it was returned and made my payment right away. But the fact that you are reporting me late in two months is not right. I attached a copy of my credit report which shows how Capital One is being reported so you can see I am not lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Several charges were made using my cash card at XXXX XXXX in CA and NY. I dont live in either state. I was in Mississippi at the time of the charges and I have been here over a month. I contacted XXXX and opened a dispute. The representative informed that cash app is aware of the issue and you have done nothing to resolve. The emblem on the charge is not even the actual target logo which appears when you actually use your card at a XXXX store. 

After notifying XXXX and Square XXXX, Square XXXX disabled my account. My funds have not been returned and the scams have continued for over a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Date : XXXX XXXX, 2017 Report # XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not or ever was my address I have listed the right one

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 2021-12-29
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXXXXXX XXXX XXXX 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 2019-09-30
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: AMERICAN EXPRESS COMPANY
State: MA
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 rewards from credit card

Complaint:
Hi, I spend over XXXX XXXX dollars a month with American Express. On Saturday XX/XX/2019 I went to transfer points to several names under my card as we are traveling to Hawaii  on Tuesday. I was also transferring points so that I could upgrade my wife 's family traveling from XXXX. To my surprise the account was locked stating the following : This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program. 

I was not trying to sell, that is a lie. I was transferring to people who have been card holders for over 4 years. I had to cancel two tix at {$1800.00} a piece as I promised upgrades for the 20 hour flight. I could not transfer points on sat and they opted out of tomorrow trip. I am going to take my XXXX XXXX a month spend to a company that values unless they make this more than right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I recently sent a completed form requesting my free annual credit report from Equifax and XXXX to the address on the form at Equifax in XXXX. 

Although Equifax sent a report that is an utter outrage ( Confirmation # XXXX ) and sold my information in violation of my rights to 3 different companies during a time when a credit freeze was supposed to be on my account, I have yet to receive a report from XXXX. 

I will file a separate complaint for the host of inaccurate and incomplete information on my Equifax report, but please shut down Equifax and stop, once and for all, its profligate profiteering and trafficking in my personal information, while its parasitic injury is allowed to continue. 

Equifax has had so many violations of the law long before its infamous cyber hacking that it needs to have a court appointed special master to liquidate its assets without further excuses. In the interim, the CPBP should seize every asset it has and the Department of Justice should jail its board of directors and corporate officers. Their personal assets amassed on the backs of millions of abused consumers should also be stripped from them and go into a victims fund for all the people it has injured, wantonly, for decades. 

The CFPB should also immediately force XXXX to mail me a copy of its file on me to the address on the form I used to obtain the Equifax report. I will be applying for a mortgage related to a small business in the next month or two, so all corrections need to be made immediately. 

Since Equifax rarely complies with the law, it should NOT be given weeks and months to correct the damage it is now reporting in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: LA
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:
EXPERIAN is still reporting an UNVERIFIED ACCOUNT to my credit report. I contacted the creditor myself and they have responded on XX/XX/XXXX, stating they will be removing this UNVERIFIED ACCOUNT from my credit report. I DEMAND EXPERIAN REMOVE THIS ACCOUNT ASAP. 

UNVERIFIED ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX ORIGINAL CREDITORS RESPONSE : Company responded on XX/XX/XXXX, In your complaint it was indicated you have retained an attorney. We have closed the account in our office and a request was submitted to Experian & XXXX to have the aforementioned account removed from your credit report. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and met your desired resolution. If you have any additional questions, please feel free to contact me directly. Sincerely, XXXX XXXX AVP, 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 2018-01-04
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: Account information incorrect

Complaint:
This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I called XXXX XXXX, XXXX XXXX 2017, regarding the Genesis loan that I received while attending XXXX. The program/school has been found to be fraudulent and thus I requested my private loans to be discharged. There was no supervisor available, nor was there anyone that could discuss or authorize the discharge. I then was then given an incorrect number of someone else to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Chargeoff ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$950.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance {$1300.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$650.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2300.00}

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 2018-01-04
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company USCB America has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I am filing a formal complaint in news of the Navient/ XXXX XXXX lawsuit. From the dates, XX/XX/XXXX to XX/XX/XXXX I was unable to make any payments on my loans due to my financial status. I was working XXXX jobs and barely could make ends meet. I was told by at the time XXXX XXXX that my only option was to go into forbearance which I did every 3 months until I was making enough to make some of the payments, I have never missed or went into late payment history I knew that would be worse in the long run for me. What I did NOT know is every time I put my payments " on hold '' XXXX XXXX/ Navient was added thousands of dollars onto my interest charges during that time span. To this day I struggle making my payments. I make decent money but never seem to get ahead and in turn has resulted in thousands of Credit Card debt due to my student loan payments being so high. I hope this complaint helps me and others come to some type of justice. Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Complaint against TD Bank. Received debit card and XXXX sets of checks in mail all with different account numbers week of XX/XX/2022. I did not apply for or authorize the opening of any accounts. In attempting to report the issue and close the accounts TD Bank refused to provide any documentation regarding account opening unless under subpoena. TD Bank also refused to provide any traceability information to follow the request to close the accounts. Lastly TD Bank would not close the accounts until resolved by their investigation team and would not provide an expectation date of contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates are inaccurately reporting the allege amount of XXXX to the credit reporting agency. Portfolio is report the allege amount to credit reporting agency as XXXX aslo Portfolio recovery is reporting a second allege amount of XXXX to the credit reporting agency as XXXX this is a violation of inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
On Monday, XX/XX/XXXX I received notification that my payment of {$400.00} had posted to Capital One and verified that the full amount had been pulled from the my other bank, XXXX XXXX XXXX. For two days though ( it's now XX/XX/XXXX ), I have had no access to the {$400.00} I transferred over, despite the fact that it said the payment had posted and NO other payment I've ever made to Capital One, no matter the size or other institution, has ever made me experience a delay. 

When I called in today to see why the payment was pulled from my other bank but I had no access to the funds through Capital One, I was told that Capital One sometimes, but not always, puts a hold on transfers like this one and I wouldn't have access to my funds until XX/XX/XXXX ( another six days ). 

If I had known I wouldn't have access to my funds for over a week, I wouldn't have transferred them. But at the time of the transfer I was NOT notified of a potential hold, and when I asked to either have the hold removed ( since it can be added, logic would suggest it can be removed ) or transferred back to my other bank so I can actually USE MY MONEY, I was told neither of those was an option. 

So basically I transferred money ( which I've done several times from different banks ) and capital one arbitrarily decided to put a hold on it for over a week, with absolutely no assistance. I would like this issue resolved immediately. Banks can not just take someone's money and then restrict access to it without letting them know that's a possibility. That's absolutely not right and needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: TN
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I subscribe to Transunion for daily score updates and credit protection. On XX/XX/XXXX, I checked my credit score with TransUnion and it was XXXX. That evening, I received an email saying there was a change on my credit report and that I should log into my account to see why. On XX/XX/XXXX I logged into my account and noticed that my credit score went down 35 points to XXXX. There was no change in my credit report from XX/XX/XXXX, though, as the email stated. I called Transunion customer service several times and no one could explain why. I was put in touch with a supervisor and she could not explain the change either. In broken English, she said it was " due to the factors ''. When I told her that the factors did not change from yesterday she said they did. She stated that I had a delinquent account. I asked her which one and she refused to tell me. She directed me to the online group and they looked at my report and found no delinquencies. I downloaded another credit report from XXXX and XXXX. There were no delinquencies. Everyone I spoke with at Transunion could not explain why my score went down.

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