BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-11-17
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a student loan debt with the XXXX  XXXX XXXX. This debt started occurring during XXXX. I was lead to believe by the institution that it was not necessary to start payments on the loan for multiple years. When I started checking my credit religiously earlier this year I saw that I was behind on payments for a debt that I didnt know I was on a payment plan for. Ive moved a lot the past few years and I never get mail correctly. 
Earlier this year around XXXX when I realized how much this debt was effecting me I called XXXX went to campus and tried to figure things out, there was no way they would help me. So I called XXXX financial and paid the bill outright, gave them XXXX XXXX  Im not sure on the amount but fully paid the total bill. 
Then In the next few months I saw that my credit was still reporting the bill. After some more research I was told that there was a forgiveness program where things wouldnt get updated or reported to my credit until XXXX of this year. So I waited with this problem I tried to fix effecting my credit, and it is still not fixed today in XXXX. 

I did not know I was on a payment plan with them and missing payments for over a year. 
I paid the debt fully off in XXXX and it did not update even still now to this day, XXXX months later. 
I would like to have this erased because my credit is pretty decent otherwise I appreciate the help it would really mean a lot to me Ive tried but can not get things fixed alone.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Notifed company of possible identity theft due to data breach but now I seeing a lot of inaccuracies on 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 2023-11-17
Company: TRANSWORLD SYSTEMS INC
State: HI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection showed up on my account. It was {$110.00}. They said it was an old cable bill. Quite possible. I went through a divorce. Mind you I never received any notification that I owed this From Transworld systems. Nothing ever. It was a small amount I thought pay it and be done with it. Bad choice on my part. I asked if they would provide me a receipt. I asked at least twice. This was XX/XX/2023. She said yes XXXX hours. Couple days go by no receipt. Called on XXXX XXXX said it would be XXXX days. Called XXXX XXXX XXXX days. Same story asked for supervisor said theyve sent request XXXX days. To make a long story short called every day ( 5 days ) to get receipt. They always said it was a different department and it would be XXXX days every time. I pay a credit card bill get a receipt in XXXX seconds. They dont want to provide a receipt. My guess is if I cant prove I paid it they can try to collect later or sell the debt to another collection company. It is a systematic effort to not provide a receipt. Wasted so much time on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I had a XXXX XXXX that was purchased and loan was carried from Wells Fargo. They had a class action lawsuit regarding the charges and repossession. I had received a payment of {$6400.00} but the harm it has caused to me personally and financially over the last XXXX  years is unrepairable. I feel the amount should have been substantially more due to the impact it had on 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 explanation
Consumer complaint received 2023-11-20
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023, at XXXX ART, I initiated a transfer request with Wise Inc US for {$2000.00}, which amounted to {$2000.00} after the company 's transfer fee. On the same day, at XXXX XXXX ART, I executed the transfer for {$2000.00} to Wise Inc US, which, as of today, has not been credited. I routinely make such transfers every month or two, consistently using the same Wise Inc account and the same method ( Wire RTP ). It was surprising that it didn't go through even after five days. I contacted Wise support multiple times without success ; their responses were consistently, " Your money hasn't arrived ; we will notify you within 1 to 2 days when it does, '' but no notification ever came. I called the customer service number provided on their website, and when attempting to speak with an agent, the call was abruptly disconnected. This is outright theft on the part of Wise, and I demand a refund of my money, as I no longer wish to deal with this company, nor do I want the already transferred funds to be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: DISCOVER BANK
State: NJ
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 serious concerns that Discover Bank is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding the non-receipt of merchandise from a merchant. I believe I have presented more than sufficient evidence below, as well as corrected several misstatements by Discover, to warrant and immediate crediting of my account in the amount of {$190.00}. As I have detailed above, these procedural biases in favor of the merchant do not seem fair or appropriate, and could be due to the commercial relationship it has with XXXX. At the very least, it raises conflict of interest concerns. Any fair-minded reviewer of the evidence to date must agree the transaction should not be upheld. I therefore believe Discover is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ), and am fearful of the eventual final outcome as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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 XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXperian, XXXX XX/XX/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.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
This information is incorrect and does not belong to me, I do not want it in my report. 
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 2023-01-10
Company: Navient Solutions, LLC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company is defamation of character and doing illegal things on my credit report. The cares act simple says they can not post any late payments on my credit report yet they are breaking the law. I am suffering because of this. My credit report should not have any late payments during this pandemic. UPDATE ALL ACCOUNTS " including Navient '' TO PAID AS AGREED NO LATE PAYMENTS SEC. XXXX CREDIT PROTECTION DURING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 2018 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. Account isn't 49 days past due.

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 2023-11-21
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Non stop emailing me about payments. Days before the payment is due and every other day until the due date. If I tell them to stop emailing me then I get a cease and desist on my file and can't correspond at all with them. It's undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute regarding an outdated account that is still showing on my credit. the account is over 7 years old and the credit bureaus have not corrected my credit report it is still showing as a collection. I had asked them to please update this incorrect information and it has been over 30days and I still have not gotten a response. The account is XXXX Bank account # XXXX is from XXXX. I need them to delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase put an additional hold on my funds after my funds was cleared and are now available. When i called about the restrictions on my account I was told I sounded XXXX and that they would need to do extra verification in that case even though my check had cleared. Ive been racially profiled and discriminated against by CHASE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is regarding the Bread Rewards XXXX XXXX credit card from Bread Financial. I had a balance on XXXX, which I paid online from a bank account. Bread could not process the payment and charged me a late fee of {$29.00} and finance charges of {$2.00}. If they could not process the payment, they did not send me any electronic notification. 

This is a new credit card that they have launched and their online systems are not set up properly : XXXX. I keep getting prompted to update my email and phone, although I have done it multiple times. 
XXXX. If they do not accept a particular type of bank account, then should alert the user when the payment account is being added. I tried with different banks as their system would not allow me to save the information while not displaying any reason. Finally, after XXXX bank attempts, I was able to successfully add a payment account. There were no errors. 

I spoke to XXXX from Ohio, ID XXXX. She said that they can only accept bank accounts that have a routing #, account # and accepts ACH. All the accounts that I tried adding does that. Then she said that we only accept checking accounts. If so, their system should not accept savings accounts. All other credit cards that I work with accept any payment account type. 

I asked her to take off the fees. She said that she would not. I am not paying them extra for inefficiencies in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF ED/XXXX XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED XXXX Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection account has been paid and settled with XXXX XXXX XXXX XXXX. Comenity Bank-Victoria Secrets is still reporting as Past Due/Collection on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cashapp {$4400.00} was stolen out of my account. I have filed dispute after dispute with cashapp which they are the worst customer service I have ever had to deal with I have been hung up on disregarded and they down right refused to help. I was denied then received a email stating that they agree that my account has been compromised and that they have now secured it. With that being said I thought finally I will have my money returned too me not 24hr after receiving that email I received another email saying that my dispute has once again been denied that the transaction in question was completed successfully but I dont understand how if I have been hacked and they stated that they recognize just that. I never gave anyone permission to add or remove my bank information and I definitely never gave anyone to cash out every penny I have to my name. I have been treated like XXXX and I have still done all I know proving that I was hack the money was wrongfully removed from my account to a unknown debit card that I have even contacted the head of XXXX department that cashapp said the money successfully received and they first of all gave me XXXX different trace numbers for this one transaction and top that off the bank informed me that the transaction doesnt exist and the ach numbers are not real ach numbers! I have my own opinion of the hacking is a inside job but I also had lost/stolen my phone and wallet around this time but I cant see how some random person would have this knowledge ability or access to have done this so quickly unless they already know and have access to the financial platform and when I asked a customer service representative about a prior rep that I spoke to he choked up and put me on hold for a long time and then finally came back to tell me that he isnt allowed to tell me the name of the individual that I had already spoke to and he couldnt tell me why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is reporting inaccurate information on my credit report. I never gave Transunion or anyone authorization to run my credit report. The information theyre reporting is incorrect and invalid.There inquiries are invalidated and inaccurate and needs to be removed from my credit report please. 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 please remove immediately thank you.

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 2023-05-16
Company: Zions Debt Holdings
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to bring to your attention an urgent matter regarding a debt that has been erroneously associated with my name. I recently received a copy of the contract from XXXX, and upon review, I discovered significant inaccuracies. 

Firstly, the address listed on the contract is incorrect, and I want to emphasize that I have never resided at that address. Additionally, I noticed that the name stated on the contract is not mine, further confirming that this debt does not belong to me. 

To support my claim, I have attached copies of my driver 's license and utility bill, clearly indicating my correct name and residential address. These documents serve as irrefutable evidence that I am not the individual associated with this debt. 

In light of these factual discrepancies, I kindly request that you conduct a thorough investigation into this matter and take immediate action to rectify the situation. It is imperative that this debt is promptly removed from my credit report, as it is unjustifiably tarnishing my credit history. 

I understand the significance of maintaining accurate credit information, and I trust that you will handle this matter with the utmost urgency and professionalism. I kindly request to receive written confirmation of the debt removal and an updated credit report reflecting the necessary corrections. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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