BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this account : 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 2018-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have been a customer with Capital One for over 8 years. I have never been late on my account since I received my credit card. I set up auto pay with there company and my payment comes out of my bank account every month on the same day. In the month of XXXX my minimum payment was increased by XXXX dollar from XXXX dollar to XXXX dollar. Capital one reported my account as late because the extra dollar was not paid, which in turn decreased my credit score by 65 points. I called Capital One and explain what happened to my credit score as a result of them reporting my payment as late and unfortunately they refused to remove the late payment from my credit report. The XXXX was paid as usual, but they informed me that it was considered a late payment. As a result of them putting this entry on my report, other creditor began decreasing my credit limit on other credit cards, which lowered my score even more. Capital One could have easy updated my information with all the credit reporting agencies, but they refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Laurens Financial Services 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: Problem with personal statement of dispute

Complaint:
LAURENS FINANCIAL IS REPORTING REPOSSESS AND FULL BALANCE WITH THE CAR THEY NEVER POSSESSED ... ... ... I owned a car purchased through XXXX XXXX XXXX paid off.i took a loan for XXXX I made two on time payments then the transmission went out and it was no longer reliable.i was going to continue to pay my loan monthly but they said I had to still keep insurance on the car which was XXXX and still make loan payments in which I couldn't afford to having to get another car.so I told them come get the car and they did.its been a year now and they said they haven't sold car but have the full loan amount on my credit report 1691 and they have the car.they putting it as a repossession on my credit report even it was my car paid for.i didn't finance a car from them only a loan of XXXX using as a collateral.i don't under stand how they reporting full balance and they have the car.its was my car from start so no repossession went on.i thought them getting the car would clear loan but it show full balance and repossession on my report in which it was my car all along before loan.so they never had car you can't repossess when you never possessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have repeatedly called their CS line as well as even RETURNED promotional offers and them trying to get you to sign up for some other stuff they send. I don't want them. I have even opted out with the credit bureaus even to my email I should not be getting this nonsense -- so you should NOT be sending me anything offering anything extra email or regular mail. I have a card with you. That is it, if there is nothing that needs to be sent in regards to that card, do not send me this misleading GARBAGE anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX is reporting to my Transunion report as a balance of {$560.00} is still due and is being shown as a charge off. This information is incorrect as the loan was paid off in full through my CHXXXX bankruptcy in XXXX in the amount of {$1300.00} this satisfied the loan and the title at that time was released. This should be reported the same as my other two credit reports as paid through CHXXXX account satisfied and closed. I have disputed this with Transunion and XXXX numerous times with the standard response of everything is accurate and up to date. I filed a letter of validation with XXXX on XX/XX/XXXX with no response as of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states that I have the right to privacy .

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.

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 2018-07-21
Company: JPMORGAN CHASE & CO.
State: SC
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:
Chase Auto Finance is reporting to my XXXX report as a balance of {$560.00} is still due and is being shown as a charge off. This information is incorrect as the loan was paid off in full through my CHXXXX bankruptcy in XXXX in the amount of {$1300.00} this satisfied the loan and the title at that time was released. This should be reported the same as my other two credit reports as paid through CHXXXX account satisfied and closed. I have disputed this with XXXX and Chase numerous times with the standard response of everything is accurate and up to date. I filed a letter of validation with Chase on XX/XX/XXXX with no response as of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an account with Synchrony Bank for XXXX music store. I am trying to pay off some of the promotional balances on the card. I have several balances that are equal payment no interest and I specifically am trying to pay off a couple of those balances. I had a balance that stood at {$16.00} and I made a payment to pay it off on XX/XX/2018. In order to have a payment applied to a certain promotional balance, I had to make the payment and either then call or chat to have it applied. I do not, for one, understand why they don't have this functionality on their website. Regardless, I made the payment online and then called them. The next day, I made a payment of {$100.00} to another promotional balance that should have paid that one off as well. I then chatted with an agent to have tht payment also applied just to that balance. To date, XX/XX/2018, NEITHER of those payments has been applied correctly. I have chatted multiple times with them and they have told me it would reflect online within 48-72 hours and now I am being told it can be 1-2 statement cycles. I am beyond tired of fighting with them. Now I have made my monthly payment ( actually about {$30.00} more since I paid {$200.00} ) and it has further reduced the balances on the 2 promotional purchases in question but they should have been paid off by now. I received an email stating the allocation had been done but it has not. As of my last conversation with a supervisor today, he did not listen and tried to reapply the {$200.00} payment I made yesterday as well so it is now possible that payment won't pay the monthly payments.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-06-25
Company: Experian Information Solutions Inc.
State: TN
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 do not recognize the disputed account. The information regarding the account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, date of last payment, date of first delinquency and date closed being reported. 
I had requested that the disputed account account be verified and I have not seen any proof from the Bureaus it was. I have not received any documentation on this account to verify that this is mine.

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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed 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 2018-07-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo sent me a new credit card to replace an expiring one in XXXX, and I never recieved it. I let them know. Since I dont use this card very ofton it slipped my mind. In XXXX I got a letter from them stating they had tried calling me and could not reach me so they closed my account as Fraud. I called them and spoke to several different people escalated all the way up to the Fraud Department, who would not reopen my account. This caused damage to my credit report as it was one of my oldest accounts, as well as decreased my available credit, thus increasing my utilization. I feel they could have reopened my 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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My only name is XXXX XXXX. Please remove any and all other names reported. 
My only address is XXXX  XXXX XXXX. Please remove any and all other addresses reported.

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 2023-01-03
Company: NCB Management Services Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I reached out to NCB concerning two payday loans that appears to be fraud in my name. I have asked for the Original wet signed contract, Payment history, The debtor original name and date the loan was taking out. I have attached the documents that was sent back to me through the mail. 

This debt is tied to a bank account that is not mines according to the documents that was sent back to me. I had a bank account with XXXX that was my deceased father 's Estate account only no personal bank account for me at this bank. 

NCB Management stated I owe now XXXX and XXXX to them through this checking on account that is not mines. 

Please note that letters that were sent have no debt balances on them. The balances I listed is from my credit reports I pulled recently. NCB has also updated the collections on my credit report as 150 days passed due damaging my credit even more. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Paypal account was permanently limited for no reason last XXXX of XXXX. They hold my funds for 180 days, received an email last XX/XX/XXXX that my funds are ready for withdrawal. I tried withdrawing my funds from my account using the linked bank account on my Paypal account, unfortunately, the bank account is already inactive, so the bank transferred back the money to my Paypal account. Now, I can't withdraw my funds since I am not allowed to add another bank or to transfer my funds to another Paypal account holder since my account is permanently limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Block, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Cash app states they had a technical issue between XXXX XXXX and XXXX XXXX. I already submitted a complaint but they took more money out of my account yesterday and they are giving the same reasons why they are just taking various amounts. 
My account has had transactions cancelled by cash app since XXXX XXXX. They have cancelled the XXXX transactions and these cancellations total {$500.00} after I added up all the cancelled fees. I did not cancel nor request to cancel any payments and I have received every order I placed through XXXX and after every transaction, my account balance reflected the money I spent. At no time did I have a higher amount in my account. 
I have never been notified of these cancellations or the technical error. So far, cash app has taken {$190.00} since XXXX XXXX under the claim of technical issue. I have never received any emails about this issue. 
A specialist was supposed to contact me 3 -5 days ago, I have no emails from cash app support or a cash app specialist. None of the representatives will provide me with a list of transactions that were affected by the technical issue and they will not disclose how much more money they will be taking. I can not close the account until this is resolved because I won't have access to complete this complaint. 

I also can not keep track of how much they are taking because the notifications pop up as an updated charge and then go away, I was able to screenshot one of the notifications. The transaction was paid for XXXX XXXX, cash app cancelled it at some point without notifying me. On XXXX XXXX {$51.00} was taken out of the account. Again, I don't know how many transactions were affected but this is taking money that I am currently earning and now I can not pay my rent because cash app keeps taking money out of my account.

Company response to consumer: Closed with explanation