BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/30 a payment was made to XXXX but I didn't authorize it. So I disputed it they denied the dispute but XXXX sent the money back to them so they have the money and are refusing to give me my money and the are refusing to pay XXXX. 
Attached is the conversation where they said it was paid and my bill from XXXX WHERE IT WAS SENT BACK ON XXXX. AS OF TODAY CASHAPP IS STILL DENYING THE HAVE THE FUNDS AND ARE REFUSING TO PAY XXXX OR GIVE ME MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: MO
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:
Adverse account reporting incorrectly on credit 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 2020-11-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/XXXX I noticed something on my credit report for a balance of XXXX XXXX I called the collections agency and they told me my account was being handled by XXXX XX/XX/XXXX. I called the law office and spoke with an account rep and she notified me that I needed to pay the amount above. I disputed the account over the phone with her that same day. I also sent out dispute letters regarding the account to both offices ( national credit systems ) to verify the debt. I called the law office today XX/XX/2020 to see what the progress was, and the account has not been investigated at all! They can not verify the debt that it is in my name! In breach of the fcra! I can not speak to a supervisor on either companies because all they do is hang up!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I use Nelnet to service my student loans. I applied to an income driven repayment plan. Nelnet was required to send updates every XXXX  days on the status of the application in the case that it wasn't approved within XXXX  days. The application was submitted in early XXXX. Nelnet reports they received the application on XX/XX/XXXX. No updates have been given throughout the process. 

Payment is due within XXXX month and I am unable to get a hold of anyone at Nelnet to confirm the status of my loan amount due. They have phone wait times that are seemingly endless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: CORELOGIC INC
State: CT
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 took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing them

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 2018-10-01
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I noticed that First Point Collection Resources has posted private medical information to my credit report without my consent, which now has been viewed by multiple parties I did not want to share this information with which has been to my detriment. I didn't even believe it was my medical record, but they recently sent me correspondence showing an itemized bill that was mine ( which was also shared with CFPB ). I am shocked that this was shared with all inquiring creditors since the date it was added to my credit reports. This is a violation of my HIPPA rights, and I ask that this be immediately removed from my credit report before anyone else comes across it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: SYNCHRONY FINANCIAL
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Im having trouble logging into the online account for an XXXX store card ( Synchrony Bank ). They locked me out because I cant access my old phone for SMS verification and they dont want to accept my new phone number. Thus I have no way to pay my bill.

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 2018-12-17
Company: Experian Information Solutions Inc.
State: MO
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:
There's accounts on my report that I'm requesting to be blocked and/ or removed due to the simple fact that the contracts with these companies has been cancelled, therefore there's NO CONTRACT, inwhich I'm obligated to, nor is the accounts rightfully mines. In accordance with the FCRA laws, the creditor and/ or reporting agencies shall provide the consumer with certified physical documentation of such accounts. Please remove the following accounts if you can not provide documentation. XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00}, ... XXXX, XX/XX/XXXX, {$730.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$0.00}, ... .XXXX XXXX  ,XX/XX/XXXX, {$17000.00}

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 2021-09-02
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have spoken on the phone with this company many times in which they stated that they are trying to help me in resolving the debt so that adverse reaction would occur on my credit report and help me to avoid future legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
onXX/XX/2019 I contacted Experian because I noticed two of my accounts have not been updated with XXXX XXXX  on XXXX I contacted XXXX XXXX XXXX and XXXX XXXX XXXX to confirm my XX/XX/XXXX statements were sent over to all three bureaus Experian is refusing to update my credit reports my XXXX XXXX XXXX credit card should have a limit of XXXX not the old XXXX my XXXX XXXX  XXXX credit card should have a limit of XXXX not XXXX I attached statements

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 2023-03-24
Company: EQUIFAX, INC.
State: PA
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:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identity theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was refinanced and paid off on XX/XX/2021. Guaranteed Rate stated that sent a escrow refund check on XX/XX/2021, I call them after 30 days on XXXX/XXXX/202, They apologized and said that they would send out another check and to give it 30 days. I waited another 30 days I called on XX/XX/2021 still no check. I have spoken to 3 different supervisors all saying they would escalate this issue. I have also spoken to them today, XX/XX/2021. I have waited long enough. And, I do not have confidence that this will get done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: OH
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/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from 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 ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2023-01-11
Company: LEXISNEXIS
State: FL
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:
I spoke with XXXX XXXX XXXX ) from XXXX ' XXXX consumer affairs department regarding an ongoing bankruptcy dispute. According to XXXX XXXX, XXXX XXXX is reporting to XXXX a bankruptcy which does not exist on my Lexis Nexis consumer file. I have attached the report received from Lexis Nexis and have submitted this report to XXXX on several occasions. Lexis Nexis is knowingly reporting inaccurate, unverified, and incomplete information to XXXX. I have attached a copy of the report from Lexis Nexis. Lexis Nexis has no permissible purpose and has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 am a cardholder with a Capital One Venture X credit card and am in good standing as I use autopay to ensure my statement is paid off monthly. The card offers XXXX miles- up to 100,000 miles for the year - for each friend approved through my 'Refer a Friend ' link. 

I have referred three friends using their referral link but have not received the miles. Each friend has confirmed that per the referral program 's terms and conditions, they used my referral link and that they were a new Capital One credit card customer. 
- I sent one friend a referral link in XXXX XXXX who confirmed they received and were using the card since XX/XX/XXXX. 
- I sent one friend a referral link via text on XXXX XXXX, XXXX and in XXXX XXXX, XXXX she confirmed she received and was using the card - I sent one friend a referral link via text on XX/XX/XXXX and in XX/XX/XXXX she confirmed she had received and was using the card. 

These referrals amount to XXXX miles each or XXXX total, which according to XXXX XXXX have a value of XXXX cent each and is equivalent to approximately {$750.00} depending on how the points are redeemed. 

I have been monitoring my statements monthly in order to determine whether I received the points : - On XX/XX/XXXX, I called Capital One at XXXX in order to determine the status of my points. They stated it can take up to two statement periods to receive the points. 
- I called back again XX/XX/XXXX and spoke to XXXX employee # XXXX who offered me a one-time courtesy statement credit of {$250.00} and would escalate for the remaining points. 
- I called back again on XX/XX/XXXX and spoke to XXXX and XXXX employee # XXXX and was told that they have no visibility into seeing why I have not been awarded the points when I and my friends have met the terms and conditions. 

Each representative was courteous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: AZ
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have repeatedly contacted transunion regarding that an unverified account by XXXX XXXX XXXX be removed from credit report. They always respond saying the item has been verified. I specifically asked that the investigation be conducted manually as I objected the e-OSCAR system. I've asked for proof on how Transunion conducted their investigation and never received the proof. They finally removed the account. A few weeks later the account was reinserted. I never received any notification within 5 days, per FCRA, after the reinsertion. I am still waiting for the original document that shows I agreed to pay XXXX XXXX what they claim I owe.

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 2020-07-27
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:
FTC Violations Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems is attempting to collect XXXX when the amount owed is {$90.00}. Ive contacted them several times with the most recent being XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: LJ Ross Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of getting approved for a mortgage and was advised I had a collection on my credit report for LJ Ross. I have lived in Texas for almost 4 years now and have never received any notification regarding this bill. When I moved all mail from the post office was set to be forwarded to XXXX XXXX XXXX XXXX XXXX Texas XXXX and then all mailed was forwarded to XXXX XXXX XXXX XXXX Tx, XXXX, all of which are documented with the USPS. Throughout this time I have not changed my phone number from the XXXX. I sent a letter certified to LJ Ross and to date I have not received any response at all. I am requesting that this be removed as I did not receive any notification regarding this and I did not receive anything to have in the mail to give me the right to dispute or have validate this bill. This company has valilated my consumer rights at this point. I have attached the letter I sent and the information saying they received my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: NY
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 booked in XX/XX/XXXX a ski festival package with XXXX, in beginning of XX/XX/XXXX the festival was cancelled, after a quick call to the provider i was promised a full refund and after a few days they emailed a few times that by XX/XX/XXXX i will get a full refund. Fast forward to mid XX/XX/XXXXthey just offering a voucher for the future. I went ahead and disputet the charge however chase sided with them, since its a government shutdown, which doesn't mean i have to pay for that and ignoring all the times they guaranteed a dull refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I canceled my membership with credit check total when they merged with Experian. And they are constantly charging my account for the amount of XXXX XX/XX/XXXX, also XX/XX/2019. Also XX/XX/2019. One was reversed and refunded to my account. I called several times and they still wont reverse my charges. I was on hold for hours and transferred several time to receive no help.

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 2022-11-30
Company: EQUIFAX, INC.
State: TN
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 recently checked my credit report and noticed there are numerous errors regarding XXXX XXXX XXXX. I see that the last active dates are different. Dates of last payment are different. On my XXXX report it has been reporting C/O and on my Equifax the payment history doesn't match. From my understanding under the FCRA all info on my credit report must be 100 % accurate. There are 2 accounts that are reporting the same mistakes. I have not received a 1099-c regarding the charge off for both of these accounts neither. Dispute letters have been sent and nothing has been resolved to fix this.

Company response to consumer: Closed with explanation