BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and some XXXX try opening up lots of accounts in my name 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 2022-04-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed the account with out our authorization. Than when we called back they said I closed the account when I never told her to close the account. These lines are recorded but everytime i call to tell them this they we couldnt do that. If we could get the recording of that day to prove to them that we never authorized the closing of the 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 2022-07-25
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had unknown charges to my account I contacted support through chat on phone app. I informed them I had unknown charges- for the first 5 days I was told there was no way to recover money and to be more careful with my money ( see pic 1-4 ) after doing my own due diligence I learned I can dispute a charge and have XXXX liability and when I informed support I knew I could dispute they finally provides me with kink 2 days after I filled dispute I received an email stating dispute received card cancelled order new one through app. The next day i received another email stating I am getting a provisional credit because investigation is going to take longer then 10 days, I still have yet to receive credit and it has been 14 since I filled dispute and 12bdays since email I have contacted support numerous of times each time the say look for email response my case has been escalated 14 times and chat is abruptly ends and yet still no response or email now I trying to call them and I am getting hung up on 3 times today just hang up I have called merchant and they are unable to credit my account because they tell me my bank took money back already

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: SIMM Associates, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So, these XXXX  hired SIMM ASSOCIATES in XX/XX/XXXX to collect a debt that I don't owe that allegedly originated in XXXX. When SIMM Associates called, they wouldn't tell me the name of the company without confirming my personal information. I don't do that over the phone so the lady hung up. I get a letter FORWARDED ( because they don't have the right address ) about it being from XXXX XXXX. 

Now, I vaguely remember this place trying to corral a bunch of people to take some sort of online classes for XXXX YEARS ago and I never agreed to enroll in anything. They emailed a bunch of mess and I deleted everything. I never attended a XXXX class or agreed to pay for anything. Therefore, I don't owe XXXX XXXX XXXX, SIMM Associates, or XXXXXXXX XXXX XXXX  XXXX. Stop harassing me. 

I even attached a screenshot of an email from them begging me to apply. Stop playing with me. You're not fooling people with your fake A+ XXXX  rating but there are a copious amount of reviews/stories of your company harassing people who are NOT the debtor you seek. Your XXXX  rating needs to be an F, right along with SIMM ASSOCIATES and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
All of my student loan accounts were paid in full as of XX/XX/22 and the credit agency refused to report a XXXX balance on all of them and mark them as paid. The last update they had was XX/XX/22. They did not update my file intentionally even after they were given proof of paid status.

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 2016-10-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has negative and incorrect information. I sent a letter to them and the credit grantor to the address on their report which came back undeliverable because they are out of business. the letter from Experian stated they could n't make any changes, would n't investigate again ... .oh and it states this information must stay on your credit report for 7 years. This loan was paid in full in XX/XX/XXXX ... this is now XX/XX/XXXX ... do the math. They are difficult to reach as their website says that can be reached on weekends yet when you call during said hours they are closed with no explanation. How can I possibly get this information fixed?

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 2022-04-20
Company: EQUIFAX, INC.
State: GA
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  Account # XXXX and Account name : XXXX XXXX XXXX XXXX, Account # XXXX & Account Name XXXX XXXX XXXX XXXX, Account # XXXX & Account Name : XXXX XXXX XXXX XXXX, and Account # XXXX & Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A.Sectio
n 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I have not authorized TransUnion or XXXX permission to release my credit information or have I authorized these 35 inquiries on my profile with the exception of XXXX XXXX, XXXX XXXX. I have begged them to remove these inquiries and fraudulent accounts. They have refused

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 2023-02-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted several payments to Chase Bank for this credit card balance and they have been ignored. The company did not disclose the following : I. Full disclosure of my right to rescind ; Consumers right to rescind ( 12 CFR 1026.15 ) II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. Disclosure the agreement was a consumer credit transaction and allows for consumer protection when it involves a primary dwelling ; IV. Failure to disclose Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ; ( 16 CFR 433.2 ) V. Failure to disclose that nonpublic personal information will be shared with a nonaffiliated third party ; I rescinded the consumer credit agreement and tendered a final payment for full settlement of the account. The company is still attempting to collect the debt.

In addition to these violations they are in violation of 15 USC 1692 on the way they are communicating the debt as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a satisfied tax lien from XX/XX/XXXX that continues to appear on my credit reports despite being satisfied and cancelled as of XXXX XXXX XXXX. I believe the lien in question resulted from alleged failure to pay sales tax on the purchase of a vehicle from a private owner that continued to be registered in my name without incident up until XXXX. It seems to me then that the lien should not have been there in the first place as one ca n't register and continue to register a car without having paid sales tax however as the incident took place so long ago, I no longer have any documentation to dispute it. It is my simple wish that the lien be removed from my credit report as the debt has been satisfied and misrepresents my credit worthiness to lenders- to my detriment. I can assure everyone the State of Georgia will not take my consumer report into consideration before levying a tax on me. What 's more, the amount owed in the lien was taken out of my tax returns yet again this tax season despite being satisfied, so if the lien could be construed in any way to be a reflection of my credit worthiness, it should be my ability to extend it to the State of Georgia as five months after reporting this error I have yet to see that money returned. If the consumer reporting agencies truly cared about accuracy, then they 'd mention the fact that the fine state of Georgia has brought forth an unverifiable claim of an outstanding debt six years after it was allegedly incurred and followed the act by forgetting it was satisfied one year after I paid, but I digress. I maintain simply that a 13 year old satisfied debt fails to paint an accurate depiction of my credit worthiness to lenders, and should be removed from 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 non-monetary relief
Consumer complaint received 2015-11-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The house is sold, the mortgage paid in full but Wells Fargo has not processed my escrow refund. I have told them twice that I need my money and they ignore it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Nelnet, Inc.
State: VA
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:
On XX/XX/XXXX and XX/XX/XXXX reached out to XXXX XXXX AND XXXX via phone and online DISPUTES regarding accounts with NELNET that are stilled listed as OPEN on my credit reports. Contacted NELNET XXXX for DISPUTE regarding accounts also. Reached out to XXXX XXXX XXXX regarding account in the account of {$250.00} that was PAID. All of my loans with NELNET have been CLOSED and PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: GA
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 went to experian Credit bureau and they directed me to loans for mortgage, I looked at them but did not apply. This information I believe with Lenders is provided and they take that opportunity to try to make an application for the person looking at it. 

XXXX XXXX actually sent me my fico score and then turn down as if I applied. 
I would have never applied as I am searching for a refiance and am talking over the phone with companies without opening up credit. 

this is a gimmick Experian is using to sell to these Lenders to force lead generation without our permission. 

this is happening over and over again and I am going to file a legal complaint against their misuse of my credit.

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 2022-04-21
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was notified by my bank on XX/XX/2022 of possible fraud charges to my account. At the same time, I started receiving text messages from Zelle about an account. 
I closed my bank account and tried contacting Zelle about the fraud. Because I was unable to confirm the zip code associated with the fraud account, they would not help me. 
I am trying to delete my phone number and any of my banking information from Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: DISCOVER BANK
State: OH
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, this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This account was paid in full, see attached pay off 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 2022-12-28
Company: EQUIFAX, INC.
State: WA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry XXXX 15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2017-11-13
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not validated I contacted Online Information Services to have them validate an unknown credit collection account ( XXXX act # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor showing that I sign a contract with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Navient Solutions, LLC.
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:
I 've sent many letters to each COLLECTION AGENCY to remove CLOSED ACCOUNTS and to provide proof that i authorized and if they CAN provide proof to send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My clients property is underwater m y 1st question  is can he do a short sale if he is still making the payment. We have an offer on the property I am attaching all the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, I contacted community by phone to close out this account and received a pay off amount of XXXX. I paid XXXX that evening. On XX/XX/2021 I contacted commenity by email message center to request a credit refund check because realized there was an overpayment on my credit card. Two payments came out leaving a credit balance of XXXX. On XXXX XXXX, I received a message confirming again my account was closed and a refund issued for a credit balance. I received no other statements or notifications of a balance on my account and assumed the account was XXXX and closed on XX/XX/XXXX. I received a text message from commenity one week ago and I logged in to my account to find a finance charge of XXXX that has blossomed to XXXX with all of the late fees over a period of 3 months. I called commenity immmediately and paid the XXXX by phone. I spoke to several people and both said my balance by phone was XXXX. I paid this amount by phone. Today I logged in again to check to make sure this account is XXXX  and commenity processed a payment of XXXX leaving account credit balance balance of XXXX XXXX I truly believe there is something fraudulent going on with this company. This credit 0f -XXXX could cause the same issue if finance charges and late fees. I believe all of this was purposefully done. This is the second attempt to bring this account to a XXXX balance to close properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I had an instore loan with Check n Go and then applied for an outsource loan for an extended amount with Axcess Financial who through Check n go. They have not reported my on time installment loans to my credit since XXXX of XXXX. XXXX was paid in full XX/XX/XXXX for XXXX reference number was XXXX auth code : XXXX, cust ID : XXXX ). I have since disputed with XXXX a couple of times and there is no way anyone is truly conducting a research if it is still showing I have an open balance. ( If i wasn't making my payments it sure would be reflecting then!!! ) I have contacted Axcess Financial because it was not up to date with my accurate on time payments and now completion with loan. I just had ANOTHER dispute completed today ( XX/XX/XXXX ) again with XXXX and still none of payments were updated for every month after XXXX and it is not reflecting that my installment has been completed. I tried to contact what my credit report showed : AXCESS FINANCIAL who send me back to Check n Go since it was a in store installment loan. When I contact Check n Go and their system reflect I have a completed payoff installment with all payments before on time, I am at a stand still and at this point, JUST DELETE THIS OFF MY CREDIT REPORT AS A WHOLE. I don't know who to contact at this point but I want this off my credit report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been working with trans union on getting my credit report corrected. I contacted them to have them chage information about my student loan they are showing that therre payments but there are none until 2016. I have contacted the agency about my XXXX XXXX account the agent said they understood what i wanted to dispute and restated what i told them. I pulled a copy of my report today the acount was there and undisputed. The agants always seem to be impatient and rush you off of the phone or interupt you stateing the understand and will help you but then the dispute is undone or done incorrectly. Account termsCreditor name/info, balance, payment, etc. 


Account statusPaid bill on time, account closed, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief