BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-11-10
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received letter XXXX from company today dated XXXX it took months to XXXX letter, inference to CFPB ref no XXXX I'm uploading letter. Reminding you they sent a dispute paper I had to sign but when I said I didn't receive XX/XX/XXXX email. Look at reason wrong email address there wrong doing. Dispute letter was sent to right one. Come on now. They also admit there other wrong. I'm still with my money oh.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MN
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 XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX ( a ) states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX ( XXXX ) also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX in which has been paid in full.. They are reporting as Collection Chargeoff in which is untrue .... They are causing me financially hardship. I'm unable to get a mortgage or rent a home for me and my kids .... This has impacted my score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, 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:
I filed a fraud alert to Equiax to remove this account off of my report. Equifax removed the account off my credit report but a couple of days later i see re added and continued to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ulta/Commenity capital bank make fraudulent charges, fees and interest to my account after Ive made multiple final payments over the phone, last payment made XXXX XXXX to clear the account and even received a confirmation number and was told I would get a receipt in the mail. I received an even bigger statement in the mail without my payments being applied. The payments were never applied or cleared and I asked the supervisor to go back through the recorded calls on that day but they refused and are charging me even more money and refused to solve the issue. I was told my account would be cleared and closed and it is unusable, but they still make expensive charges to it without my knowledge since the phone call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charges.

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 2019-08-15
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did business with XXXX XXXX XXXX XXXX, and terminated my business with them in XX/XX/XXXX. They sent me a bill which was inaccurate, and I challenged them on the charges without response. XXXX XXXX XXXX hired Credence Resource Management LLC ; for which this complaint is against. I did not contact Credence directly ; but instead disputed the hit on my credit file with XXXX on XX/XX/XXXX. XXXX denied the dispute on XX/XX/XXXX stating Credence had proven the debt. 

Credence sent me altered XXXX XXXX XXXX documents on XX/XX/XXXX, with obvious cut and paste portions to make it appear the bills were sent to me by XXXX XXXX XXXX in XX/XX/XXXX ;  which they were not. I did a photo-scan of all the documents with notes and submitted them back to XXXX today ; XX/XX/XXXX to reopen and investigate not only the claim, but also the fraud Credence was trying to pass. I have not received any direct correspondence from XXXX XXXX XXXX for years, and my numbers and address have not changed in over 10 years. 

I would like to have my credit file corrected, and Credence investigated and penalized for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 have always paid my bill on time with this credit company but when I recently pulled my credit i saw that i have a 30 day late payment. This is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have gotten nowhere. Anything you can do to help me would be greatly appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: SUN LOAN COMPANY 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 information incorrect

Complaint:
I made a recent payment on my loan to Sun Loan and today I get an alert that I am 30 days delinquent. My account status when reported was not delinquent. I am currently not over 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested my credit be permanently unfrozen with XXXX  and XXXX  on XX/XX/2021. Third Federal Savings and Loan is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact XXXX  and XXXX  by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since moving into my home, I have had issues with XXXX the management company of my HOA. The account number they gave me was invalid thus making it difficult for me to pay online. They did not send statements and so was it incredibly difficult to confirm the payments until the quarterly statement arrived right before payment was due. I then started sending the payment through my credit union 's bill pay to ensure timely payment. In early 2021 I received a noticed that I owed a {$70.00} payment. I informed the XXXX that I would research with my bank since my statement showed that the payment went out. With COVID still in effect it was not business as usual at the credit union so it took a couple of weeks to get the report. Soon after I sent the payment details, I received a letter from the attorney for the HOA. The amount had grown to {$480.00}, I sent them the details from the bank and the amount grew then to {$860.00}. I then overpaid my HOA fees and was running a credit but that did not matter to the attorneys. Even with all that the amount then grew to {$3200.00}. This is when I decided to get an attorney because they were threatening a lien against my home. 

Unfortunately, the nightmare was just beginning for me. The attorney noticed that the lien was not properly executed and that the HOA attorneys had violated a Florida law and the Fair Debt Collection Act. XXXX XXXX  never contacted me to see if the debt was valid. They instead paid the {$3200.00} and added it to my escrow which in turned messed up the negotiation that my attorney was working on. I only learned about this because one of the attorneys in the HOA law office felt sorry for what had been done to me and contacted my attorneyXXXX XXXX XXXX never called and never provided a letter, phone call, or an email on the matter. We had to file a Fair Debt Collection lawsuit and I advised them providing the case number. They called and said that they would put the account on pause while I worked out the matter. Sadly, they continued to call me five times a day and loaded the account with late fees. They also reported me late even though I continued to make payments every month. I've written twice to their corporate office and sent several emails. It is always the same the form letter stating that customer service will look into it followed by a letter two weeks later stating we looked into it and the HOA lawyers gave us ten days to render payment to them. I believe ten days is enough time to contact your customer by letter, email, mail or phone. They have been bullies, they answer is always WE ARE BIG and you are not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated 2 transactions via TransferWise Ltd XXXX  Transaction 1 : XX/XX/120 USD Transaction # # XXXX Transaction 2 : XXXX Monday XXXX USD Transaction # XXXX Recipient : XXXX XXXX Recipient Country : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor ( XXXX XXXX  ) charged off and closed account then sold it to another company ( NCB Managment ). The other company has filed a collection and is reporting on my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX responded quickly removing the account information that was inaccurate. Experian, and XXXX has not removed the information and its has been passed 4 days since they had my ftc report, personal statement, proof of identity and the identification of the accounts that are inaacurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has been violating my rights as a protected consumer. according to 15usc1681a ( XXXX ) ( A ) ( i ) '' the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' my payment history is in fact transactions between myself and the " person '' as described in 15usc1681a ( b ). I have sent a letter to the cra regarding these violations with no response. please remove the reporting of late payments on my report for account # XXXX and account # 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 2018-08-30
Company: Navient Solutions, LLC.
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:
Before XX/XX/2018, I have paid additional {$200.00} payment to my account. The way they handled the over payment was applying the money toward the fee and interest first, whatever leftover applied principle of the loan, instead of apply whole {$200.00} toward principle. It is not like other loans that allow us to pay additional amount toward principle, which make me uncomfortable about it and feel unfair. It does not help me to pay off the loan faster. Also, they already charge us interest and fee, why the over payment still goes toward fee and interest first? And they don't the option that we could direct the over payment directly to principle without applying to fee and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have been having a dispute with Square the credit processing application. I have been using them for years to run my XXXX  business with. Most customers pay me by check some pay with credit cards or bank transfers. The dispute revolves around a bank transfer. They are requesting that I update my bank information with them and either provide them with three months of statements or access to the current balance and transaction history of my account. I am uncomfortable providing either of those. My bank has advised me to not give out that information. 
I have been trying for weeks now to get the balance of my money that they are holding, {$2700.00} after they have removed there percentage fee. It has been extremely difficult to speak with anyone in the company to get this resolved. One manager told me to refund the customer and have them pay with another method. I reluctantly agreed, trying to keep my customer out of my banking issues and maintain my professionalism. I have tried over ten times to refund the money the application will not allow me to do it. I called them back again to get that resolved and the only way I can issue a refund is to give them my bank information, which as previously stated I am unwilling to do. 
I have run out of options to get my money. This doesnt seem legal to me. I am turning to you for help or any advice to resolve this. 
Invoice was paid by customer on XX/XX/XXXX, was processed and released into my Square account on the XXXX. I have been trying to collect it since then. 


Please advise XXXX XXXX

Company response to consumer: Closed with explanation