BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a 30 days late payment XX/XX/2018 XXXX  XXXX XXXX.I was in shock because I was never late in my payments.The information is incorrect.

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 2023-04-04
Company: WELLS FARGO & COMPANY
State: MS
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:
On XX/XX/2022 I went to a XXXX XXXX XXXX  in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence

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: Block, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I requested a replacement XXXX Card from the company XXXX around mid XXXX and paid approximately {$XXXX} for the replacement. I got notified it was shipped approximately XXXX  days ago, but I havent gotten the card yet. Upon checking with XXXX  support theyve informed me they deactivated my XXXX  card that I am yet to get in the mail, and said that I will no longer be eligible for a XXXX  card. 

Ive escalated the matter to management and made several requests to get the {$XXXX} I paid for the XXXX  card refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi! 
After reviewing my credit report and after much research, I notified XXXX Experian and XX/XX/XXXXto verify bankruptcy info on my reports. 
They responded saying they verified using a 3rd party, XXXX XXXXXXXX but my XXXX XXXX account is frozen. 
So how were they able to verify using that source. 
And XXXX XXXX has no permissable purpose to report 3rd party info as well as the credit bureaus dont have the right to report BK because they didnt do due diligence or verification directly from the court house. 
They must verify where they got the source of info from. 
Therefore I am filing a complaint to have the bankruptcy public record removed from my XXXX, Experian, and XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
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:
On XX/XX/XXXX I learned Equifax had not deleted an account ( XXXX XXXX XXXX ) that I received notification from the the creditor and the OFR would be deleted. The letter was sent to all three bureaus on XX/XX/2018. I filed a dispute for the umpteenth time with Equifax since they " obviousy '' didn't receive the request. I received a response to dispute today that the account has been verified as accurate by XXXX but they modified status date and balance date. Equifax is playing games and I want it to stop! It is OUTRAGEOUS that after the creditor would respond to the Attorney General and myself that they have sent requests to delete that Equifax is the ONLY bureau that did NOT receive it AND verified the account as accurate FOUR months after the fact. I want this company STOPPED! They do not investigate anything. They barely review your request. I am being fiscally harmed by their inept ability to handle business accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened under with my information from XXXX XXXX XXXX while back without my concern and ill like dispute this dept.. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Thaxton Investment Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
They have flagged me for no reason the account was close and taken care of as you can see in the attachments I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I sent a Invoice using Square Invoices to a client that paid and is receiving consultation from my company. Now my Square account is being closed and my funds held for 90 days. Nothing was done wrong my client is completely happy with our services yet Square has closed my account and wont release my funds for 90 days. This is completely wrong and will not be tolerated and I am requesting for immediate release or my funds or i will seeking litigation and contacting the DA office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
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:
I filed a complaint with the CFPB to get validation for the XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

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 2023-01-29
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 we opened a checking account with wellsfargo on XXXX XXXX XXXX XXXX, XXXX, UT XXXX. We were told everything was completed by a manager named XXXX. We immediately contacted my wife 's employer, XXXX XXXX send all paychecks to our account. a week passed and payday was here on a Friday and Wellsfargo told it would be 7-10 days for our check to deposit. after that time had passed we still had no check. We called XXXX and she informed us that our address was not excepted, But we were perplexed because they had already sent us debit card to that address. So we gave here another address and we waited. well our second pay day had arrived again and we were told that there should be no problems and it should deposit that day. Well guess what? none of the checks deposited into our account and talking with managers and reps no one had any answers. As of today wells fargo is holding over XXXX XXXX dollars of our money from our employer. After weeks of talking to them our monthly account fee is due for XXXX dollars. Well because there is no money in the account they have now closed the account and we still have not received our money.This is our hard earned money that we have no access too. Needles to say we could not pay rent or bills and were evicted from our place, Thanks wellls fargo.

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 2021-02-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There is fraudulent charges made on my account. Money was taken using XXXX. I file a complaint with both XXXX and jp morgan chase bank. XXXX has denied chase bank for refund and chase bank has did a reversal charge onto my account because XXXX has denied chase refund. This is about {$1400.00} fraudulently charges. Chase bank has failed to protect me in these fraudulent charges and has not resolve these charges. I have fax all the documents i have to jp morgan chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The two companies are Acima Credit and XXXX, they were removed from my credit reports and appeared back without my notice from the Credit Bureaus which is against the law according to my consumer FCRA Laws. Please have these two accounts removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This XXXX XXXX account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. XXXX has been asked to correct this inaccuracy. Equifax and XXXX have also been notified to correct the false information but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My job is making payments on my behalf and all of those funds are going to interest only. I am told it calculates daily but that is not shown anywhere on the system. First i was in a bankruptcy for 5 years and making payments thru the bk system once it was completed they charge interest for 5 years. I don't think that is fair since i was making payment thru the bk system monthly. If it can be included in your repayment plan why would they be allow to accrue interest that whole time. now that i am out and have been making payments for the last 3 years my balance still is NOT going down. when i asked about it i was told i was in an interest only loan repayment. also found out that the XXXX that my job is paying on my behalf is going to interest only. I think this is crazy and no one can really explain how to resolve. Any assistance would be greatly appreciated. 
XX/XX/2020 Payment - {$150.00} - principal - {$100.00} - interest {$0.00} - {$250.00} XX/XX/2020 Payment {$0.00} - {$100.00} - my job - all interest {$0.00} - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX, and I had referred a co-worker to chime, and she has had her 1st intial deposit. However, when she was setting up the account the representative advised her to chat back with Chime to add the refer to her account, and we would receive our refer bonus. Her name is XXXX XXXX, and she chatted with Chime today ; however, she was advised that we are unable to get the refer since she did not use my link. However, agent asked for my name & email address to my account. I called Chime, spoke with an agent who was rude & kept saying the same thing over & over again about I can not get my refer bonus, but he would note the account about my complaint, and send my complaint the escalation department. I asked to speak with a supervisor, and the agent is going to say well the supervisor is going to tell you the same thing. Supervisor was even more rude, refused to give me someone higher than her, stated she is the highest person at Chime, nobody at Chime speak English, and she does not care I file a complaint against Chime because she is the highest person. I am very upset right now to the point to where I want to close my account with Chime because to this customer service I just received. I would like to hear from someone in regards to matter ASAP. Then I have the conservation recorded from today as well if someone would like to listen to hear how awful this customer service was from the agent & supervisor. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Frontline Asset Strategies, LLC
State: SC
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:
Certified dispute letter mailed XX/XX/2023. Dispute letter received XX/XX/2023. Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the CFRA law violations of this third party agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
Account listed in 2016 was paid for and closed, the agreement would be the accord reflect as paid in full and closed. It currently continues to show as in " collections '' on my consumer file which is false and inaccurate and is grounds for Federal Legal action immediately. 
Captial One was contact more than a month ago regarding this showing on my credit as in another status, " charged off. '' This too was false and is still grounds for Federal legal action.

Captial Once states they would contact me within 30 days and ha e failed to do so. They have my phone number and ha e never called, left a message, no email, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: EQUIFAX, INC.
State: CO
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:
Credit agency is reporting XXXX XXXX XXXX XXXX or XXXX as two months late for XX/XX/XXXX. XXXX was discharged in XX/XX/XXXX. Credit agency removed the debt in XX/XX/XXXX and added the debt back on to report in XX/XX/XXXX. I contacted CFPB in XX/XX/XXXXregarding this situation several times in XX/XX/XXXX and the reporting agencies made the changes, now it is being reported incorrectly again. XXXX was XXXX in my chp XXXX. I attached my full petition as proof in XX/XX/XXXX andXX/XX/XXXX of the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: COLLECTIONS USA, 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:
I would like for these accounts to please be removed because these are not my accounts.. 
Remove all fraudulent accounts immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX for XXXX Collections USA for {$6100.00} XXXX for {$530.00} and {$390.00} XXXX XXXX  for {$110.00} Please remove accounts these accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: PR
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:
On XX/XX/2022, I called Equifax to dispute 2 accounts that I have been trying to eliminate for more than 6 months, XXXX XXXX attended me without last name since by treating me in a hostile way he informed me that he could not give me the last name that the Equifax company prevents him from providing, I notify him that he has to identify himself and he refused 3 times to do so. I inform you of my situation that I send an identity theft report, which indicates that this document did not reach them, I inform you that the report is from the FTC and it indicates that it is not an eligible document to eliminate an account for being opened fraudulent. I tell him to give me or send me the independent investigation they used to determine that the accounts belonged to me and he informs me that he does not have access and that he does not know where to get it. XXXX Violet my rights several times don't tell the truth about the FTC report He admits that they have the report, and tell me the report tho work for delete fraud accounts, he doesn't identify correctly and failed to service by sending me the investigation Equifax use to determine the 2 account are my. I dispute and XXXX give me this account numbers XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Lending Club Corp
State: AZ
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:
Lending Club is reporting to the 3 credit bureaus inaccurate 30 & 60 days past due. I have disputed the items and they did NOT correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Apparently for as long as I am able to go back on my statements, American Express is not applying my payments to my cash advances correctly. I have been making thousands of dollar in payments however my cash advance balance is not reduced. I had to call them yesterday to manually fix the XXXX dollar payment I made on XXXX XXXX. I was told the payment was not being applied to my cash advance balance as it should. If it is affecting mine I am sure it is affecting other accounts than just mine. If their customer service would have took the time to look over my statements this may have been alleviated. However, the customer service agent made it seem like I was wrong right from the start until he got assistance from management and then told me I was in fact correct, payments are not being correctly applied. This is completely unacceptable and without excuse. The only way this can happen is if the automated system is manually manipulated, meaning this is done on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ordered internet service from XXXX ( was XXXX XXXX ). They came out several times and I spent endless hours with IT people, but they could not get it to work. Three weeks later, I ordered XXXX service and called to cancel. I was led to believe any/all charges would be waived for the hassles. I had to go return the equipment. Since then, I was hung up on, transferred etc. They have now put $ 70+ on my credit report now and ruined my mortgage application/process. I finally paid it since I spent so much time trying to resolve this like a " normal '' business should. they turned it over to CBE Group which is their collections company. Account number XXXX and approval code CBE used to process my payment is XXXX. XXXX XXXX and service address was XXXX XXXX XXXX, XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Paramount Recovery Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was unaware that this debt even existed. It's through Paramount recovery and I had insurance at the time. I've spoken to my insurance and they said they were never billed for this debt. So I called Paramount recovery and they stated that once it's in collections insurance won't cover the debt. I'm very upset because I had insurance to pay this and I was never contacted about it now they say I'm liable and it just isn't fair or right that I have too. It's counting against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : 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 non-monetary relief