BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX Orginal Creditor : XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount Paid : {$610.00} Payment Date : XX/XX/XXXX I called into XXXX XXXX on XX/XX/XXXX to agree to pay to delete off my credit report. I spoke with XXXX XXXX XXXX he advised me that if I can off my account this will be removed from my credit report. I filed a dispute with XXXX and the dispute came back as updated as information is correct. I called XXXX XX/XX/XXXX to get an update and what is going on with account being deleted off my credit report. Rep advised me that they do not honor the pay to delete off account. I advised that previous rep stated it will be. He transferred me over to supervisor XXXX XXXX and he advised me there is no record of previous rep adving me of that. I asked for the call to be pulled he advised that I needed to call XXXX. I advised that y'all bought the account from XXXX  why would I need to talk to dish.

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 2022-02-03
Company: Square Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Today ( XX/XX/XXXX ) I received two packages from Cash.app. These were new cards welcoming me to the app. 

I NEVER signed up for this service. I have attempted to phone, including get a call back but they did not resolve. I have since submitted the request through a form. 

My complaint is that there is no specific office, form or phone number to affectively address fraud complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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 2020-10-21
Company: MIDFIRST BANK
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I closed the sale on a property I owned which was financed by Midland Mortgage and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from Midland. 
In the process of applying for a XXXX XXXX XXXX refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. 
Ironically I had used mortgage payoff disbursement proceeds from Midland Mortgage to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. 
I filed complaints with both XXXX and XXXX  and they both reported back in mid -XXXX ( XX/XX/XXXX ) that the Midland Mortgage loan was still showing open. 
I again called both XXXX and XXXX and they advised me that the Midland Mortgage account still showed open based on Midlands latest report to them. 

There in lies the problem, if my loan had been paid off one week earlier In XXXX, Midland would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days ) to the various bureaus, but one week later they dont report until XX/XX/XXXX. 
So when I called on XX/XX/XXXX the Midland report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the XXXX files. 
So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality. 
I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my XXXX SCORE ( by XXXX points ) AND earn a lower interest rate on my VA refinance! 
I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in XXXX day ; Midland can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! 
All creditors should be able to report credit status twice monthly! If not daily like 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 2023-05-26
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Account permanently limited and my funds of {$590.00} are locked in the account for 180 days. I would like the money released sooner if possible. I do not think I broke any terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
XXXX ACCT # XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 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 2022-02-03
Company: Conduent Incorporated
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I have tried on several occasions to get my issue resolved and to no avail. A lady name XXXX who said she was a XXXX XXXX XXXX  on the behalf of Way 2 Go, call me from a XXXX on XX/XX/22 stating that she will like to speak with me regarding my complaint. I have left several voice messages for XXXX or any other XXXX XXXX XXXX to call me back, but have yet to hear from anyone. All I want is for Way2Go is to reverse all of the unauthorized charges that were made to my account and have this issue behind me. Not having my money returned to me has caused me to fall behind on my bills, not having enough money for food and other necessities, stress, and lack of sleep. No one should have to go through all of the challenges I am going through with trying to get their hard-earned money returned to them. This is not right. This is not legal. 
I look forward to your prompt response to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2021 transunion read my identity theft dispute letter and witnessed my police report. They ignored the laws of the FCRA 605B and 604 which is against the law. This company still reports this fraudulent account in my credit report even after showing them proof and informing them that this is legal to report fraudulent information on my report. The fraudulent account is XXXX XXXX XXXX Please remove 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 non-monetary relief
Consumer complaint received 2018-07-27
Company: TD BANK US HOLDING COMPANY
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 was a victim of identity theft and notified XXXX XXXX and XXXX. i also attached my police report and identity theft affidavit. XXXX and XXXX removed the fraudulent account but XXXX  still haven't removed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am the cosigner ( parent ) of a student loan with the company American Education Services and have been getting bills in the mail for approximately 2 years telling me the loan due date and amount due. I then pay the bill online through ACH payment. I recently received a late payment of {$2.00} and was threatened about being in default. When I called to have the late fee removed I was told that they had to ask for permission through a formal procedure. I received a letter in the mail about 2 weeks later stating they they were not going to remove the late payment charge. When I called and inquired I spoke to agent # XXXX and was told that because the payment was initially late they were not going to refund it. At this time I was told I could make a complaint with them in writing. 

I do not understand why the late fee was not removed and have no desire to file a written complaint as I know it would not change the result. This was an honest mistake as a direct result of them not sending out the bill. Also, I have never had a late payment with them before, and they do not allow for automatic payment of the bill making it much more difficult to keep track of. I am XXXX years old, have excellent credit and over the years have made several mistakes which resulted in late payment charges. There has never been an incident where the late charge was not subsequently removed upon request. 

I believe these predatory companies should not be allowed to get away with this. If I was not looking out for my daughter there is very little chance that she ( or anyone else her age ) would have the wherewithal to stand up to these type of companies. This is not a great deal of money but it is the principal. It is disgusting to me that this company would not refund a {$2.00} late fee. They are making an enormous amount of money off these students as it is with their inflated interest rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03
Company: U.S. BANCORP
State: CA
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 have attempted multiple times to try and resolve an issue with US Bank Credit Card services since XX/XX/XXXX. 

After making several phone calls, being hung up on multiple times with no call back, I feel my issue is nothing of importance to US Bank. I have had nothing but problems with US Bank card services over the past XXXX years. 

I have a charge on my statement for {$350.00} that posted on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I never authorized or signed for a charge for this amount. I did authorize a charge for {$180.00}. I have attached my receipt with this complaint. 

I want my credit card credited back for {$170.00} for the unauthorized charge back immediately. I don't have any other choice after this but get an attorney if the charge is not credited back. 

US Bank needs to severe work on providing any sort of satisfactory customer service. They do not follow up with customers regarding matters of urgency. 

-XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX and XXXX - XX/XX/XXXX - called my employment often giving a court case and stating that I was being sued for a credit card debt from XXXX. They were awful in how in they communicated with both me and my employers. They harassed me and would not provide me with any information. They threatened that I would be served tomorrow if I didn't pay today. 

I called back and asked for their contact information for their business- XXXX and XXXX XXXX They would not give me everything. Said I should already have it.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: PA
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:
Im having problems with XXXX XXXX credit card and the credit reporting companies reporting my balance and payment history. Im missing approximately XXXX missing payments that were made on time, they jus werent reported. So on my credit reports it reads no data in stead of saying paid. I also have my credit card statements which were provided to me by 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: LA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: NC
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.

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 2022-02-03
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've been trying to deal with Navient since before the recent settlement. I was talking to an attorney several months ago and they encouraged me to contact Navient to get a listing of my loans from the first lender up until the current lender. This would include the history of the loans including what organizations and when the loans were sold to subsequent lenders and for how much and then finally to Navient. I also wanted to find out how much each lender along the way received from me and how much I was subsequently charged along the way. 
I tried contacting Navient a number of times but the person on the other end didn't know who I should talk to or how. I finally was able to reach someone on XX/XX/XXXX at the " Department of Education '' who said he could get me this list/letter and this would go out to me within 30 days. This gentleman is named " XXXX '' -- employee number XXXX. When I didn't receive this letter as promised, I tried to get back in touch and was unable to reach him, or anyone for that matter. On XX/XX/XXXX I was able to reach someone named " XXXX '' who informed me that I needed to make the request again through the " Washington Department '' which I did on XX/XX/XXXX. I finally reached a woman who didn't seem to know what I was talking about and was referred to the National Student Loan Database and was then referred to the Student Loan Support Center. There I filed a complaint that was reviewed within the 15 day window and they referred me to CFPB. 
In addition, recently after my Income Based Repayment Plan was due for renewal, I was quoted a monthly amount that was disproportionately higher than what I had been paying last year. From XX/XX/XXXX to XX/XX/XXXX I was quoted various amounts from the young people on the other end of the call, seemingly depending on who I reached. In fact, this seemed to be the case throughout the history of my loans. Depending who I would reach on the other end of the line, the amounts due could be different. " XXXX '' ( mentioned above ) was able to readjust my amount after my wife and I sent in proof of income documents. Throughout the course of my loan repayments, I was also regularly and cursorily offered loan forbearences with a short one sentence, rote request for my confirmation. Apparently I didn't understand the actual terms of these forbearences and was basically trying to survive financially. 
I currently owe over {$270000.00} in student loan debt, despite paying since the 2000 's. Without the information I requested, I have no idea if this is a legitimate amount or not, especially given Navient 's history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: MN
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:
Attached to this complaint is a letter from XXXX XXXX of Notice of Data Breach informing me my personal information has been compromised. The following accounts and hard inquiries currently listed and showing on my XXXX and Equifax credit report is not my accounts or hard inquiries and is the result of the data breach and identity theft : XXXXXXXX XXXX XXXXXXXX, {$330.00}, XX/XX/XXXX, XXXX XXXX : XXXX XXXX {$320.00} XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have excellent credit and have been a customer of Capital One for well over a decade. I am struggling a bit with debt so decided to apply for a 0 % interest rate credit card to help manage it over the near-term. I wanted to go with a company with which I already have an account. Capital One advertised a 0 % intro rate for 15 months and a 14.99-25.99 % rate variable thereafter. I applied on XX/XX/XXXX and was immediately approved. The interest rate on my account is XXXX, the highest possible rate, and does not reflect the introductory rate. I called the company, and the person told me to wait. The rate has not changed, and the representative was unhelpful. They offer no options to contact the company in writing. 

This is false advertising and they pinged my credit for a card that I will never use due to the extremely high interest rate. They should change the advertising, provide what they promise, and reward good credit with lower rates.

Company response to consumer: Closed with non-monetary relief