BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent XXXX information on two negative items on my credit file that is inaccurate. The two items were Bankruptcy. They sent me a new credit file stating that the info was verified through XXXX. I had disputed these online on the XXXX website with them before and they said it was verified. The information I sent XXXX was a copy of my credit file I got from them and a copy of my documents from the pacer system online. I highlighted the errors for them. Once I got a response from them stating the info was verified again, I called them. On the phone, the rep stated that because the documents do not have the court seal, they can not verify the info. I told him that the info on my credit file that XXXX got from XXXX had no court seal either. I also sent a letter stating that according to the Fair Credit Act that inaccuracies found must be deleted when asked. The rep kept asking what was the inaccurate info and I kept telling him it is all in the info I sent to XXXX, in the letter. Since there were multiple things wrong I gave him one and that was the address. He then stated that they do not report an address under the Bankruptcy on my report. He tried to twist the info like I was talking about an old address that I used to live at but I corrected him on that. I told him that I have an old report from XXXX and a new one from XX/XX/2023 and they both have addresses under the bankruptcy for the court it was held at, and the info was wrong. He wanted to go around in circles but I just politely told him that I was getting off the call and I would contact outside sources for help with this matter. It's sad that my XXXX # was in the data breach that they had now I have to fight them on this.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-07-13
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023, my private student loan provider Navient, was supposed to take a scheduled payment from my bank account as they have in the past. Navient sent 17 test payments to our bank account to confirm there were funds available. There were funds available in the account. This is verified by our bank statements. The company Navient never completed the transaction. I called the company and ask why they did not take the payment. They said there was an issue at our bank. I contacted my bank and talk to the bank manager XXXX XXXX, who confirmed it was not an issue on the banks en, that the issue was the company Navient never actually pulled the funds. As a result of Navient not pulling the payment this is now reflecting as late on my credit report. I have attempted to talk to Navient several times to resolve this issue, they have not been able to resolve after being told there were retractions to credit reporting. The retractions have not taken place. It has been roughly 6 months and my credit is effected by their error. I have documentation from my bank including a statement from the bank manager stating the issue was not mine or the banks but the issue was with Navient not taking the payment from my account. 
Attached are bank statements showing Navient sent test payments to my bank but never pulled the payments. Navient admitted THEY MAY HAVE HAD AN INTERNAL ERROR ON THEIR END by not pulling the payments. This is something I have no control over and should not be responsible for their internal errors. Once I submit the payment it is up to the company to take the payment from my account. My account reflects available funds. Also attached is a short summary from my bank manager who also confirmed our bank account was active and did have the funds but it was Naviant who neglected to actually pull the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I AM A XXXX XXXXXXXX AND I WAS PAID WITH A CREDIT CARD. I TRIED TO GET MY FUNDS THROUGH A PROCESSING COMPANY CALLED ( XXXX XXXX )  THROUGH CHASE BANK. THE PROCESSING COMPANY CHARGED ME 3.5 % TO DEPOSIT MY FUNDS INTO MY ACCOUNT AND NEVER DID AND THEY KEPT MY MONEY AND THEY WON'T DEPOSIT MY FUNDS INTO MY ACCOUNT AT CHASE BANK. THIS HAPPEN ON XX/XX/2023 AND I CAN NOT GET ACCESS TO MY FUNDS.THIS XXXX XXXX  COMPANY HAVE LITERALLY TAKEN MY HARD EARNED MONEY AND USING IT AS THEY SE FIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried to update the name on my checking account in the past, but Truist is uninterested in updating the name on the account without me driving hours to their bank. Now that I can no longer lock the account through their app and my financial safty is at risk, I want the account closed now more than ever. So today, XX/XX/2023, I tried to close the account in question. However, Truist will not close my account, despite me offer to furnish the court order denoting both names in question and the connection between them, and refuse to work with me to establish this connection.

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 2023-07-17
Company: JPMORGAN CHASE & CO.
State: PA
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 PURCHASED A TRIP PACKAGE THRU XXXX XXXX FOR XXXX ON XX/XX/XXXX FOR A TRIP TO XXXX ON XXXX XXXX  I DIDNT RECEIVE AN CONFIRMATION OF THE TRIP I CALLED CHASE CREDIT TO LET THEM KNOW I BELIEVE I WAS SCAMMED THEY STARTED A FRAUD/DISPUTE WHICH I NEVER HEARD BACK FROM CHASE OR XXXX XXXX I CALLED CHASED EVERY WEEK AND THEY KEPT SAYING THEY GON NA REACH OUT TO THE COMPANY TILL THIS TODAY THEY HAVENT GOTTEN ANY RESPOND FROM XXXX XXXX THEY KEEP CLOSING MY DISPUTED BUT THEY DONT KNOW WHY IT HAS BEEN CLOSED THEY HAVE GAVE ME XXXX DIFFERENT DISPUTE CASE NUMBERS.. WHICH THEY HAVENT EMAILED ME OR SHOWN NO CONCERN OF THE PROBLEM,, I SUBMITTED EVERYTHING THAT WAS ASKED OF ME AND YET IM STILL PAYING INTEREST RATE FOR A PRODUCT I NEVER RECEIVED, ,I CALLED THEM XX/XX/XXXX AND EXPLAINED I STILL HAVENT RECEIVED ANY CONFIRMATION AND I WAS TOLD CALL BACK AFTER THE DATE WHICH I DID XX/XX/XXXX AND THEY GAVE ME ANOTHER DISPUTE # SAYING IT HAS TO GO TO A SUPERVISOR I BEEN DEALING WITH THIS SINCE XXXX AND I REFUSE TO PAY FOR A TRIP THAT I HAVE NOT RECEIVED!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-21
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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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

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 2023-07-21
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-05
Company: Dave Operating, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX recieved insurance settlement of {$5000.00} dollars it was digitally put into the XXXX account i then tried to cash out the funds to my Dave banking card with a XXXX $ fee from XXXX for a instant deposit so XXXX was supposed to deposit on the Dave card I checked the app refreshed it for hours no money appeared. I contacted the bank they said they reversed the transaction and they didnt have it. After waiting 1-3 business days the money does not appear on XXXX I called Dave back they said oh the money deposited but it has a merchant hold. Sent me emails to verify myself which I did multiple times. I didnt even see the transaction of the XXXX deposit in the Dave account until Tuesday XX/XX/XXXX when I know I deposited the money way before that but they also said they didnt receive my payment at first ethier. Then they close my account and say a check will be sent once I verify myself once again which I did on the phone and via email. Dave has been running me in circles about my refund for weeks now and hanging up when I ask to speak to a higher representative or ask them to locate my funds. Im tired of it and just want my money back that does not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a Cash App debit card in the mail, to my full name and address, for an account that is not mine. Fraud is being perpetrated in my name. I reached out to Cash App 's support who said that, because the account is not mine, they can not help me and it will not be addressed further. Cash App is actively helping fraud to be committed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Mediation Recovery Center
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mediation Recovery Center Inc. called me on XXXX/XXXX/XXXX  and told me they were collecting a debt in the amount of {$3100.00}. They told be I had to pay or have a mark on my credit report. I was surprised because this was the first time hearing of this.They offered me a discounted rate and rushed me to pay it. No documents were signed or formally used. They told me the debt they are collecting on is for a XXXX  5 years ago from a company that supposedly no longer exists. I had made at least 5 attempts through email and phone call to contact the supervisor but he will not return my calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I request that you eliminate the erroneous late payment from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Sunbit, Inc.
State: MS
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:
There is a discrepancy of late payments shown on my credit report with XXXX. 

According to my credit report, my SUNBIT ( account no : XXXX ) was 60 days late : 30 days as of XX/XX/XXXX and 60 days as of XX/XX/XXXX. 

However, on the company 's website, I was never late. I actually paid off the balance in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.

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 2023-07-27
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/2023, I attempted to transfer {$200.00} from my bank account to Cash App. The process failed " for security reasons. '' A call to their XXXX support at XXXX was a waste of time. I satisfied their requirement and provided the security code sent to my phone. The agent read from a script. It was IMPOSSIBLE to reason with her. When asked to speak to a supervisor, none are available. They will only communicate via email. 

The friend I was trying to send funds to said he has about {$1000.00} tied up in their system for security reasons. 

I was fortunate. I do not have funds tied up with them. 

It is a VERY FRUSTRATING experience when you can not reach someone who can conduct a conversation. The representative read from a script. They do not have a supervisor available to resolve an issue. The only thing said was that I did not have a history of transactions. The account is XXXX days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On my credit profile for my student loan it states that I was 90 days late but there's no 30 day or 60 day reporting on my payment history for XX/XX/XXXX and XX/XX/XXXX. This is inaccurate information and improper use of my 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 2023-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

These accounts are also past the legal time to be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief