BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-10-25
Company: Block, Inc.
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:
Multiple disputes being denied by cashapp without any explanation even though I've showed proof that what I purchased was never delivered. 

Another issue is having refunds submitted but cashapp canceling the refund so it never reaches my account. This company does what it wants with other people money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
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. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing and of the following items of information. Any other adverse 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 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 2022-10-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I moved suddenly during the pandemic I update my address with the creditor ad bills were not sent to this address. The creditor is aware of this and sent out the bills to the correct address but marked my account 30- days late even though I did not receive a bill. My account has never been late and had a XXXX balance for a long time. Please update 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 2022-10-25
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-10-25
Company: Upgrade, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello. I've had multiple phone calls about my rewards checking account bonus that I was told I qualified for after applying for the credit line and checking and doing 3 transactions. It's been more than 60 days, which is what I was told was the deadline. Please have someone credit my account the {$500.00} I am owed. Thank you. XXXX, Account XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30
Company: WELLS FARGO & COMPANY
State: IL
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 tried to dispute information with XXXX by directly calling them, but the company phone number provided to my credit reporting agency is inaccurate. XXXX is not a valid number. Remove from my credit report due to inaccurate data supplied.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureau have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following items are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXX/XX/2022.

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 2022-10-25
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citi offered an autopay option of : Pay total purchase balance plus the minimum payment ( {$170.00} ) on XXXX XXXX. I accepted this option and set my autopay to this option. 

Citi calculated my payment based on this option. Then when the payment was made, Citi disregarded this option and claimed they did not allocate my payment as offered and agreed. However, the payment was not allocated to reduce the principle balance of the XXXX XXXX over and above the minimum payment either. 

They claim they can disregard the XXXX option I designated because, in some fine print in the terms and conditions of a deceptive predatory lending practice which offered me a temporary low interest rate on purchases. 

I dispute that Citi is not obligated to allocate my payment as they offered in XXXX, and I accepted, and they used to calculate my payment.

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 2018-11-30
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I spoke to someone at Santander in XX/XX/XXXX about my trouble making payments due to heath issues pertaining to my accident in XXXX. The gentleman to spoke with him XXXX assured me that if I made I payment before the XXXX of the next month that they would not report as late on my credit report. They will not defer my payment because the car was totaled, and I am having trouble making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Wells Fargo inaccurately report a credit card account as past due when this account is not past due. I have disputed this with Wells Fargo. They are still reporting this as a late payment. Balance is also reporting incorrectly.

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 2022-10-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I logged onto my Chase App on my cell phone and saw 2 transactions that I was not responsible for. I browse to see where I can report that I didn't make those purchases when I click on a tab a message stated that I can call customer service and the XXXX # was listed and it also stated that someone will call me. So later that day I received a call from a XXXX number the person stated that they were a Customer Specialist working for chase and they see the inquiry that I put in and that they also see a fraud with XXXX on my account. The man stated to me that he needs to complete a reversal on my account. He also sent my cell a text, the text stated Chase on it which really had me thinking that I was speaking to a Chase Bank Employer. He instructed me to take the funds from my Savings account and input it into my checking account then transfer the funds into another account. Which I had no idea I was throwing away my hard earning life savings of {$9500.00}. Apparently my funds was deposited to a XXXX  XXXX XXXX Account. 
After speaking to a family member who thought that it didn't sound right which I was still confident that I was being helped. I called Chase to see if I did in fact received a call from them they told me no and that is when I placed the complaint and ran to the nearest branch. No one spoke to me on the matter at the Branch they just put me on the phone with Chase Claim Department. Instantly I placed the claim on the same day as the transaction ( XX/XX/XXXX ). This evening on XX/XX/XXXX I called to find out what is the status of the claim and I was told that I will not get my funds returned to me and it was not found to be fraudulent because I completed the transaction. I'm confuse It didn't matter that this occurred because I prompted the Chase App. How is it possible that I reported a fraudulent transaction through the App and received a fraudulent call? That is what alarms me the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I entered into a contract with ALLY FINANCIAL XX/XX/XXXX. XX/XX/XXXX I requested original contract document copies from Ally via phone representative. I was told I would recieve documents within 10 days. I also went onlie to my account on their website and requested the same document. The website give you nothing evenn close to original contract documents as signed with dealer. As of XX/XX/XXXX, I still had not recieved any documents and for a third time requested a copy of original documents of contract complete with all charges and finince charges. As of todays date XXXX XXXX, XXXX Ally Financial has made no attempts to honor my request and is knowingly and willingly refusing to provide me with copies of original contract. They have been given the most up to date accurate information as far as address and phone number and are still trying to pull t tactics like purposefully leaving off the suite number for mailing purposes.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: NY
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite the previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be verified or repaired immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$24.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or 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 2022-10-25
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:
This is XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 6 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. Six months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the one making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from my Credit Report : 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 2018-05-26
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I am still gathering the documents that I need. At the present time I do not see a problem getting those documents. XXXX XXXX has taken money out of my bank account without my permission. I made a payment online and the company then took out the complete installment that was due., I had informed them I was attempting to make payments and there was no disclosure indicating that they would be withdrawing the complete amount. I was very stressed and could not sleep for days. Speedy cash has not resolved my concern. I need to know how the company will compensate me for their mistake. I feel so uncomfortable attempting to pay that debt. Scared. Very deceptive business practice. My name is XXXX XXXX XXXX.My date of birth is XX/XX/XXXX, my social security number is XXXX. I do not have the loan number. Please do not publish my personal information. you may publish everything but my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
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:
*****EQUIFAX HAS " NOT BEEN ABLE TO PULL MY REPORT FOR DETAILS DUE TO NO REPORT BEING FOUND '' for a year now!! Before you deny/close out the claim due to YOUR error with recieveing my none frozen or restricted account be sure it is in the XXXX and my name and other info IS CORRECT*****I have spoken to a lawyer and the next violation or careless error on your end or the CFPBs will be cause for MOTION TO FILE SUIT!!! 
This company has taken more than 60 days to mail me my proof of signature and agreement between me and the listed companies which is clearly against the law. Most of the Inquiries are within 1 day of eachother and or I have no knowledge of a HARD pull as stated In my initial dispute. PLUS I'm entitled to the methods used to speak with the company to validate the info by you..ie name of person spoken with # /department time etc. 
REGULATIONS/LAWS BROKEN : 15 U.S.C. 1681n ( a ) Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] obtaining my CREDIT BUREAU consumer report without my permission : Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
I noticed a wrong address on my credit report via Equifax. I sent a letter to Equifax letting them know there is an address in my report that has never belonged to me and I feel like there is an account being reported on my credit report attached to that address. I feel like it is negatively affecting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Eastern Account Systems of Connecticut, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Living in XXXX and moving to XXXX I cancelled my XXXX account and paid my final bill at the end of XX/XX/XXXX and returned all of my equipment back to XXXX right before and around the third week of XX/XX/XXXX. In XX/XX/XXXX XXXX contacted me to say they were missing some of my equipment. I told them I returned it all and they finally found it all because then in early XX/XX/XXXX XXXX was no longer looking for the equipment they said I never returned but now I owed them another XXXX somehow. The bill was sent to my new address in XXXX and done so two months after I had cancelled this account, returned all equipment and paid my final bill. This billing statement was from XXXX and not a debt collection firm dated on XX/XX/XXXX. Throughout XXXX I have been calling XXXX to ask them what this additional monies owed is for as the billing statement provides no information other than an amount of XXXXXXXX owed. I asked XXXX on XX/XX/XXXX and XX/XX/XXXX to send me my full billing statement so I can understand fully what is being charged and why and instead I was literally sent to collections on XX/XX/XXXX and was called today XX/XX/XXXX by XXXX Account XXXX about this bill for XXXX that I had paid on XX/XX/XXXX. So, even though XXXX has not has not send me a full account and billing statements I paid this disputed outstanding amount on XX/XX/XXXX the same exact day XXXX sent me to this collections agency. XXXX did not answer any questions, were deceptive, provided statements with no information explaining the bill owed and then sent this account for XXXX to collections ON THE SAME DAY I PAID DIRECTLY WITH XXXX. I have great credit and have " Y '' on everything single line item for decades yet XXXX is using deceptive and dishonest business practices, giving undue stress to customers while not substantiating the bill / monies supposedly owed. XXXX has been a horrible company to deal with and similar things have happened to other friends of ours where XXXX plays these deceptive and dishonest business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation