BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NV XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX 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 2022-11-29
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased SEO/digital marketing services on XX/XX/2022 from XXXX ( XXXX XXXX XXXX/ ), following a conversation with the company 's sales representative, XXXX XXXX. I explained to him that I had hired another SEO/digital marketing service in the past, which did not deliver on what it promised, and he assured me that XXXX would be able to successfully rank my website within 90 days. I submitted {$900.00} USD payment via my Chase Bank debit card on XX/XX/2022. Subsequent to the initial XXXX period, the company sent me another invoice to pay another {$900.00} USD for an additional 90 days of SEO/digital marketing services. They then assured me ( see attached ) that SEO sometimes requires a longer period of time but that my website should be ranked within 180 days. Despite numerous messages to the company ( see attached ), expressing my dissatisfaction at the lack of traffic my website had received ( see attached ), the company then sent me a third invoice, requesting another {$900.00} USD and then changing the anticipated timeframe for ranking my website ( see attached ). 

I subsequently contacted Chase Bank, N.A. to file a formal dispute, explaining that the service paid for was not as described by the merchant. Chase Bank initially advised that it would be able to potentially recover {$900.00} of the {$1800.00} total I paid. I agreed to this at the time I filed the complaint but received notification XX/XX/2022 that neither charge would be refunded due to " being outside of the XXXX window '' established by Visa. I explained to Chase Bank XX/XX/2022 that I did not dispute the charges sooner due to having been lied to by the merchant and, specifically, having been given changing timeframes for when I should expect results from the merchant. I requested a contact person at VisaXXXX with whom I could speak, and the Chase Bank representative refused to provide me with information about with whom I would need to speak to resolve the matter. I initially offered to provide Chase Bank with copies of the attached email communications with the merchant, proving my allegations, but Chase Bank declined these at the time and stated they would request them during their investigation. However, the investigation, I was informed XX/XX/2022, was " completed '' by Chase Bank, and nobody at the organization requested any of the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We recently switched to Square as a payment processor for The XXXX XXXX XXXX ( a XXXX organization ). On XX/XX/XXXX, we had XXXX transactions for donations totalling {$6900.00}. XXXX  sent an email saying they were closing the account effective immediately, but that they were going to hold the funds for at least 90 days. These donations are critical to our organization and Square has not provided any meaningful attempt to rectify this situation ( releasing the funds ) even after we said we'd provide any supporting documentation they would require. 

I've attached a copy of our determination letter from the IRS and a screenshot of the suspended deposit. More information about XXXX can be found here : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: GA
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 am not a co-signer on this loan XXXX XXXX XXXX and this needs to be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Resurgent Capital Services L.P.
State: AZ
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: Problem with personal statement of dispute

Complaint:
Company is reporting a lot of inaccurate and negative information on my personal credit report. I have attempted to dispute several times with them continuing to defame me. Along with the various companies that are attempting to extort payments on alleged debts. These companies have used my credit card number improperly and unlawfully. They are defaming me on a daily basis with negative and inaccurate information. From fake names to fake addresses. To just plain old negative information. I have attempted many times to resolve these issues with billing errors, alleged debts, identity theft, and the continued violation of privacy afforded to me through various federal and state laws. I feel attacked and defamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity theft. In XX/XX/2021 both XXXX and XXXX added a requested 7-year fraud alert to my credit files. However, in spite of EIGHT requests being sent to Equifax, I still have only a one year alert on my file with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 

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 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 XXXXXXXX 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 any of the following items of the information Any other adverse items of information, other than the records of convictions of crimes which antedate 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 2022-06-27
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a Robinhood account that Ive been trying to get in because of my password reset. For months Ive used all there ways to reset it but I dont get a call back or they dont send me the right link to fix it. Ive lost thousands of dollars because of this situation I have countless screenshots of errors on there behaves. Tried getting a real person to contact me nothing for months so disappointed on all the opportunities Ive lost. They keep sending me a link that goes no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Foursight Holding LLC
State: GA
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 filled bankruptcy XXXX  XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight capital LLC reported about XXXX late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient firmly XXXX XXXX has been aggressively trying to collect money from myself and my wife for student loans that were XXXX through my chapter XXXX bankruptcy. I demand a refund for all loans that Navient have been illegally collecting on since the discharge of my bankruptcy and removal of information from the credit bureau for myself and my wife. I will be including the Attorny general for Wisconsin in this notice. I was told by my bankruptcy attorney that this loan was discharged due to it being a non qualified student loan. I attended XXXX XXXX XXXX XXXXXXXX and having records from them showing that Navient is not a qualifying student loan company. 

Navient has been charging me many fees and interest for years, destroying my credit making it hard for me to make a living. 

Like other I have been lied to by Navient staff saying that my loans wasn't dischargeable through bankruptcy when in fact it was discharged and Navient was notified. 

Also after receiving the news about Navient recent lawsuit filed by my attorney general I called Navient and was told that I don't qualify. My loans all have been delinquent consecutively for years. The loan is a private loan and qualifies. Again I have been deceived by Navient and staff with lies so that they can collect more money from myself and my family. I am asking that the CFPB, Attorney General look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Valentine and Kebartas, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Valentine & Kebartas , LLC. is in violation of 15 U.S.C. 1692 ( b ) ( 5 ) against me XXXX XXXX. Generally, under the CFPB 's final rule, a debt collector cant communicate or attempt to communicate with a consumer by sending an email to an email address that the debt collector knows is a work email address, subject to some exceptions. 

On Friday XX/XX/2021 @ XXXX I, XXXX XXXX received a email at work to a company server which is shared with several employees from Valentine & Kebartas , LLC . The email contained personal information about a invalid debt that was not for company staff to see. 

The email contained my address, alleged amount owed, as well as other personal and private information. I replied back to the email on Friday XXXX XXXX  @ XXXX informing Valentine & Kebartas , LLC , that they were in violation of 15 U.S.C 1692 ( b ) ( 5 ) for sending personal and private information to a non private email server.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I ordered a XXXX and was approved for Financing thru Greensky in XXXX XXXX. I was approved for {$36000.00}, however since the XXXX was not going to be delivered until XXXX of XXXX. Only {$6000.00} was charged to the credit line as the deposit for the XXXX. In XXXX of XXXX, when the XXXX was ready to be delivered the remaining balance of {$19000.00} was charged to the credit line. Greensky closed my original account ending in XXXX with the XXXX Statement and opened a new account ending in XXXX starting with the XXXX statement. They did not notify me that I had a new account so I continued making my monthly payments to the old account ending in XXXX for XXXX {$200.00} and XXXX {$350.00}. In XXXX, I started receiving text messages that my payment was overdue. I called them and they explained that my last 2 payments, totaling {$550.00}, had been applied to my old account ( the first time I was hearing about a new account ). I asked if they could transfer the payments to my new account, and they indicated they could not. So, I asked them to refund me the payments and I would then pay the new balance in the new account - at this point, I owed {$330.00} for XXXX and {$330.00} for XXXX. I asked them to notate my account to this conversation. I received the check {$550.00} in XXXX. I electronically deposited the check, and immediately made the payment of {$670.00} towards my new account. I later received a letter from my bank stating that the check was returned for stop payment. I contacted Greensky, and was told that they had put a stop payment because the credit from my old account had been applied to my new account. I again explained the entire scenario and was told another refund check would be sent. About 3 weeks went by and no check, I called again and was told that the check had been issued to give it a few more days and call again if I didn't receive it. I called yet again, and was then told that they had not issued the check because my payments had been applied to my new account. I asked to have a manager call me, no one has returned my calls, I've been told someone is looking into it and I just continue to get the run around. 

I have included my final account statement for account ending in XXXX, the new account statement ending in XXXX and my XXXX bank statement which shows my payment for the outstanding balance plus the returned check fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This false debt on my credit report has been listed three times in different amounts owed from the same company. Your organization contacted GRANT MERCANTILE AGENCY and removed 1 of 3 filings. Why the collection company did not remove all 3 derogatory comments on my credit report at the same time for the same false collections amount is confusing. Can you please help resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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: Investigation took more than 30 days

Complaint:
I requested from Experian and XXXX XXXX XXXX XXXX the permissible permission used to have accessed my credit report in XX/XX/XXXX. Both refuse and play word games. 
Experian states " They responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account ( s ). The result summary was sent to you for review on XX/XX/XXXX '' I have yet to receive the permissible permission or the XX/XX/XXXX summary listed above..

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 2022-06-27
Company: EQUIFAX, INC.
State: MD
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 accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 accordance with the Fair Credit Reporting act 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 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 2022-06-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am trying to make a payment online and receiving an error notice at the website. Then I tried to call and they are telling me " due to unforeseen circumstances, the offices are closed. '' My credit card payment is due tomorrow. It is too late to mail the payment. 

This company 's service is unacceptable, they do not answer e-mail timely, and they do not fully answer CFPB complaints. My being unable to pay either online or over the phone is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion 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 you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1.00} XXXX XXXXXXXX Balance : {$2.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I spent close to two hours on hold trying to reach Nelnet via phone. Their online FAQs and information portals are useless. they also make claims about recurrent email notifications to maintain updates on applications, statements, issues, etc, but emails are never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: IL
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 did not authorize any of these companies listed below to pull my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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  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 a account without my written instructions 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