BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Grain Technology, Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/2023 this account was paid in full the following month I checked my credit report in XXXX there was no change. Still showing unpaid I reached out to Grain about this in XXXX and in XXXX asked for a letter stating my account was paid and account to be updated with the credit bureaus. There has been no updated information reflecting a XXXX balance nor the account status of this account being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated from law school in XX/XX/2023. As a result of law school, I have {$210000.00} in student loans in the form of XXXX loans ( XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). 

EdFinancial is not responsive over emails, and I've needed to wait on hold for hours each time I call their customer service phone number. 

On XX/XX/2023, my refinancing institution Earnest sent a {$190000.00} check to EdFinancial, the servicer of my federal student loans. On the check itself, there were written and specific instructions to apply the payment amount to all loans EXCEPT for loan XXXX. 

On XX/XX/2023, I called EdFinancial and spoke with XXXX because my EdFinancial portal still wasn't reflecting the {$190000.00} payment. She said the treasury department was researching the issue, but couldn't give me any details beyond that. 

On XX/XX/2023, I called EdFinancial and spoke with XXXX because, while my portal finally reflected the check, EdFinancial failed to follow the specific instructions on the payment check. Instead of applying the {$190000.00} to all loans except for loan XXXX, they applied the payment to only loans XXXX ( paid in full ) and XXXX ( which now has a negative {$120000.00} balance ). 

This payment methodology doesn't even follow the logic outlined as official policy on their website. XXXX XXXX XXXX XXXX, " if a payment is made in excess of the total amount due, the excess amount ( also known as the overpayment ) will be applied to the highest interest rate loan first. '' XXXX XXXX has the lowest interest rate! 

EdFinancial said I still owed them in total {$140000.00} via loans XXXX, XXXX, XXXX, and XXXX, subject to interest expense accrual as forbearance ends. XXXX said she had no idea how long it would take the finance department to correct this issue.

Interest expense will start accruing on all of my loans starting XX/XX/XXXX due to their administrative failures, no fault of my own. However, this will be wrongful interest expense on loans that are rightfully paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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 CONTRACTED WITH MARRIOTT MEMPHIS FOR A CERTAIN NUMBER OF ROOMS. THE HOTEL CHARGED ME FOR THE UNFILLED CONTRACTED ROOMS. THE CONTRACT WAS COMPLTED BY THE AMOUNT CHARGED. HOWEVER, THE CONTRACT ALSO STATED A CERTAIL LEVEL OF MARRIOTT POINTS WOULD BE AWARD WITH THE COMPLTED CONTRACT. THE POINTS WERE NOT AWARD FOR HOSTING THE EVENT PER THE CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2023, a Debt Validation request was sent to Jefferson Capital System via mail. The following items were requested as part of the Validation. 
1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt by the Original Creditor.

2. Proof that you are a legal debt collector in California.

3. A copy of the Bond that shows that you are Legally Registered in My State.

4. Copies of ALL Statements from XXXX to XXXX of this Account. 

Jefferson Capital has failed to validate this debt and instead referred the debt to XXXX XXXX for collection. Jefferson Capital, XXXX, XXXX, and XXXX have refused to remove this unverified debt from my credit report. 

Per FCRA, 15 USC 1681 et esq, I am entitled to a fair and accurate credit report. The inclusion of this unverified debt is a Violation of My Rights under the Fair Credit Reporting Act. It makes my consumer credit report inaccurate and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing this to discuss about how on multiple occasions this company continues to report incorrect personal information about me and won't fix it. I have sent my drivers license, social, utility bill and nothing is ever corrected.

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 2023-10-04
Company: Genesis FS Card Services, Inc.
State: NY
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 fair credit report act this Creditor has violated my rights under 15 U.S.C. 1681 sec 602 states I have the right to privacy,15 U.S.C . 1681 sec 604A sec 2 it also states A Consumer reporting agency can not furnish an account without my written instructions, under 15 U.S.C. 1666B A creditor may not treat a payment on a credit report account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/XXXX service was performed with a company called " {$49.00} any sewer and drain cleaner " .A check was issued by my office the same day the work was preformed and handed to the worker for {$300.00} made out to the above company .The check was washed and made out to XXXX XXXX for {$14000.00} .The check was put through an ATM at XXXX XXXX XXXX XXXX and chase bank allowed it to go through even though it was clearly altered .We have security on our account that should not have allowed the check to be approved without our consent .We filed a police report on XX/XX/XXXX and notified our bank immediately. We filled out the Declaration of Unauthorized Endorsement or Altered item form and sent it to chase. For 9 months i have been trying to recoup our funds with no return calls and lots of false promises. We are now in XXXX of XXXX and am still waiting for our funds to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint to inform 3 Credit Bureaus that the files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$4600.00} ; XXXX  XXXX XXXX Balance Owed : {$4800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been trying to get a copy of my credit report, and report my trafficking case to Transunion since XXXX. I am a victim of trafficking and despite the fact that I have mailed and emailed my documents continuously, the accounts are still reporting. This is because I have been trying to get TransUnion to fix my online account for 2 months. Because of the issue with my TransUnion account, I am unable to retrieve my free annual credit report, or dispute anything. I am relying on XXXX XXXX who only lets you dispute one item at a time and does not allow you to see all of the details of the account or upload documentation. This is against the law. I feel helpless and defeated. Every time I call I am just pacified and told that my account will be available in XXXX hours. I first reported this issue in XXXX. Today is XX/XX/XXXX and I am still unable to do anything with my TransUnion credit report. This is completely unacceptable. I also reached out to customer support via email at XXXX, XXXX, XXXX, XXXX, and XXXX and received a ticket number via email response. When I called to follow up, the rep told me that TransUnion doesnt have an email for customer correspondence, nor do they give out ticket numbers. TransUnion, along with the other 2 major credit bureaus, need to be investigated because they are not operating in compliance with the law and it is putting the consumers in danger. I am living on the streets of XXXX trying not to be noticed by anyone who knows my abuser because I cant get approved for housing with this information on my report. I am begging for help. My next step is to unalive myself. I dont know what else to do.

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 2017-10-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My wife applied for a credit card with Chase and was denied. When we received the denial letter, Chase had denied HER application based on my credit. My wife used her social security number, date of birth and income information. None of my information was included on the application for the credit card, only my wife 's info. When we received the denial letter, it stated the card was denied due to MY credit, when none of my information was on the application, and Chase did not have permissible purpose to pull my credit. I am concerned this unwarranted credit inquiry will negatively impact my credit score. The Chase reference number on the denial letter is XXXX sent onXX/XX/XXXX. The application was made by my wife onXX/XX/XXXX. The card was denied due to a bankruptcy that is on MY credit only. My wife did not file for the bankruptcy that is reported on my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am planning to buy a home one day so I pulled all of my credit reports. I am not in a contract with this agency National Credit Systems, and I did not sign a contract with National Credit Systems I have no knowledge of this collection account. 
I am not liable for any debt eigh National Credit Systems and they did not provide me with what I requested which was original contract.Touch and hold a clip to pin it. Unpinned clips will be deleted after 1 hour. 
This is debt that is not mine is defamation, effecting my credit, my reputation, and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: AMERICAN EXPRESS COMPANY
State: TX
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 charged travel insurance, they did not honor trip interrupted as per policy and will not refund it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: OH
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-09-15
Company: Block, Inc.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created an account with Square ( aka XXXX, XXXX XXXX Square Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX ), went through the verification process, and linked my business checking account. After several weeks of uninterrupted service, today ( XX/XX/22 ) my account was " deactivated '' without warning or notice. I received an email that this was Square 's " final decision '' and that my funds would be frozen for 90 days. 

I called Square customer support to find out what happened, and they told me they could not give me a reason why the account was suspended. I told them there must be something they could do, given the sudden and inexplicable nature of the suspension, but they refused to give me any more information on why my account was deactivated/ frozen. There was no appeal or review process. 

I am in the middle of my work week and now am completely without a credit card payment processor. I have hundred of dollars of customer invoices/ payments currently frozen in my Square  account that I apparently can not access for three months. I am scrambling to call clients to explain why they can not pay with a credit card at my business. To say this is frustrating is an understatement -- Square has completely left me in the lurch, high-and-dry, and will not so much as provide an explanation as to why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Veem  Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am running a XXXX company and I have a customer based in the USA. My customer advised me to use the financial service Veem.com to request payments due when I issue my invoices to them. It all worked fine until I changed my bank to XXXX XXXX. Since XXXX  is based in the XXXX, I had to change my bank country to the XXXX and after that, the only bank details that I was able to supply were the account number and sort code. These details are normally only valid for domestic transfers, but I am not a financial professional and didn't pay enough attention. The payment for my latest invoice was marked by Veem as " completed '' on the XXXX of XX/XX/2019. I usually get the payment cleared on my bank account within a day. I haven't received any money and I got in touch with XXXX. They couldn't trace any incoming payment and asked me to request the XXXX document from Veem. I asked Veem the same and the only thing I got from them was a screenshot from their system. After analysing that screenshot, I figured out that Veem didn't make a domestic XXXX payment but used SWIFT to complete the international transfer and they used the wrong IBAN number. Clearly, they use an unreliable IBAN calculator. There's no reliable way to generate a XXXX IBAN number from domestic bank credentials. 

Now, it's been three weeks. I get in touch with Veem every second day. They keep telling me the same - they recalled the funds and nothing happened, they are asking their bank for XXXX but they couldn't get it for unknown reasons. I suspect that Veem has lost my money and they are not willing to resolve the situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates is trying to collect debts in which they are not licensed in my state nor hold a certificate of authority for my state of Georgia. 

XX/XX/2020 XXXX Dispute XX/XX/2020 XXXX Dispute XX/XX/2020 XXXX Dispute They continuously harasses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: RI
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 called XXXX, Experian, and XXXX after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my previous request and hoping that the accounts listed below lates will be removed : XXXX XXXX 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 explanation
Consumer complaint received 2019-12-04
Company: VW Credit
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Bread Financial Holdings, Inc.
State: NJ
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 XXXX, late payments who were never made. XXXX REMOVE THEM NOW. 



XXXX XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 


XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 



Two inquiries who are - XXXX  XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX Utilities and Fuel XX/XX/XXXX

Company response to consumer: Closed with explanation