BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Payfare International Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I tried to make an ATM withdrawal for {$200.00} at the racetrack XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  However, I was told that I had insufficient funds in my account, but the money was still taking off of my card a total of {$200.00} along with the {$2.00} Payfare card with XXXX XXXX I immediately reached out to my card company XXXX XXXX/ Payfare And was told to wait XXXX to XXXX business days after the third business day XX/XX/2023, the money still did not come back on my card so we filed a dispute. I was only sent one email after about 2 weeks that said that we are hard at work and after that a week after I received another email that says that according to your XXXX we can not proceed with your case your case has now been closed. I went on to say that I appeal and wanted to see the proper statements to show that the money had been dispensed from the ATM and since then, I have been given the runarounds from the XXXX XXXX / Payfare company it has now been almost 2 months and the company tells me that there's nothing they could do because everything is invalid as far as time it's been past 10 days so there's nothing they could do. I got an email on the XXXX of XXXX from XXXXXXXX XXXX that said that they could not do anything and my case was closed. I followed up with XXXX XXXX XXXX today as of XX/XX/XXXX and was told that they have not had a ticket number or any dispute from Payfare about my case. So basically since the XXXX of XXXX I have provided all proper documents and done everything that the bank has told me to do and in return I don't think that they have done proper investigation to get my funds back. I spoke to a representative by the name of XXXX today at XXXX XXXX and he listened respectfully only just to tell me there's nothing that they could do and hurry up and hung the phone up and that was nothing else I could say after that. They told me the case was closed by XXXX the XXXX and when I spoke to XXXX XXXX XXXX  they said the ATM statements weren't available until the XXXX of XXXX. I was also told by XXXX XXXX that the network ( XXXX ) provided the information for them to decide their case and not the ATM statements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: Zions Debt Holdings
State: HI
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:
In the first half of XXXX, I tried to cancel my monthly subscription service with the security monitoring company XXXX. They made it very difficult. They said I have to submit the request in writing. I did that, nothing happened. I got no response. I called them again and they said I have to include a bunch of difficult to find information such as my login, password, account number, etc. I did that. I continued to get billed. I sent them a final notice and notified them that I will be cancelling my credit card they had on file. As I furnished them with all their requests in order to cancel my service. 

Sometime a couple years later, I was contacted by a collection agency. I informed them about the status of my account with XXXX. I provided them with a copy of the letter I sent to XXXX. 

Then in XXXX, I saw recurrent overdue information on my credit report when applying for a loan. The overdue information was being input on my report every month for almost a year. I initiated a dispute with XXXX. They deleted the entries. 

Then I recently noticed the overdue notices appearing again on my credit report. I disputed the overdue record again. I also informed XXXX  that they had already removed this information back in XXXX. This time however, they sent me their dispute results and only have the entry modified. XXXX should stop the collection agency from continuing to input the same disputed and deleted information from my credit report.

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 2023-07-29
Company: WESTSTAR MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage was with XXXX XXXX, and immediately I made the purchase of my home, it was sold to Weststar Mortgage Corporation. This has been the most horrific experience. They are so backwards in everything. I have had issues with them in the past, of them refusing to show detail of new charges, or provide me a simple amortization schedule, etc. 

For the month of XXXX, they suddenly increased my mortgage payment about {$600.00} without warning or a breakdown of the new charges as usual. This increase is too high for me not to have received any detail in the mail or even an email notice of the increase prior to being charged. Their description is to " miscellaneous '' charges. I do not know what these miscellaneous charges are. I have never made a late payment. I do have a direct deposit with them that pays them automatically every XXXX of each month, for the following month 's bill. This way, I have ensured all payments are made on time. This new increase has already been taken out of my account without my consent for the increase. 

As mentioned above, I have previously had issues with this company because they failed to show me detail increases in the past. In the post, I was told the increase was due to additional charges to my escrow account even though nothing has changed. They increased my escrow however they want based on some " estimates '' they have came up with. They failed to explain how their estimates are determined. I have requested for them to cancel my escrow account but they refused even though I paid 20 % down payment and not required to have an escrow account. 

I am requesting a review of their policy. I believe they have been practicing illegitimate business and mistreating customers with limited knowledge of how mortgage works.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both XXXX, XXXX and Experian. Only Experian is showing XXXX XXXX XXXX on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX 
Status updated XX/XX/XXXX Balance - Balance updated - 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 2023-02-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently received a notice of adverse action from a utility company in my county. I called the utility company to confirm which credit scoring model they used and they confirmed that they used a TEC score which was provided by Experian. I contacted Experian to determine how I could access the information and score contained in the TEC report but Experian only provides options to obtain a FICO score for free or a XXXX score for a fee. Experian does not provide any access to the information contained in the TEC report. This makes it impossible for the consumer to verify or dispute inaccurate information contained in this report. I would like to know what is being reported on my individual TEC report as my identity has been compromised before. There is very little information online aside from whats on this web page : 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 2023-02-18
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 am formally requesting with this CFPB Complaint to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX Balance {$43.00} Opened XXXX XXXX, 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my business checking account. And upon closing they refused to send or release the balance on the account upon closure. They do not have any legal rights to the funds and these are legitimate funds that belong to my business

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 2022-12-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I currently have over 40 Hard Inquiries on my credit report and I have not given consent for my credit to be ran that many times within a 2 month span of time. Some companies ran the credit information double and triple times.

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 2023-01-07
Company: Experian Information Solutions Inc.
State: AR
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 was reviewing my credit report when I ran across a few accounts I didn't nit recognize. One was XXXX XXXX XXXX. Not to mention the account number is wrong I did not open this account. Also I don't recognize XXXX XXXX  account XXXX. Please have the company investigate this account. And finally XXXXXXXX XXXX XXXX. I think this is a fraudulent account. I dint open this account and have not made any payments towards the show balance.

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 2023-02-21
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-09
Company: EQUIFAX, 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:
I don't recognize nor have I authorized the following inquiries : 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 2022-11-28
Company: EQUIFAX, 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:
Subject : XXXX  Loan Discharge Based on Borrower Defense Evidence The Department of Education ( " Department '' ) has determined that the loan ( XXXX ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XX/XX/XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). 

Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. 

XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with Chime in XXXX my debit card was taken by my XXXX XXXX I had made a police report who had taken it. Once I got it back which XXXX was withdrawed from my account. That was suppose to be my rent money. I spoke to Chime Customer service and so they closed the debit card and issued a new card. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported it to Chime on XXXX XXXX which I had given them the police report number. The detective from XXXX had called me and was wanting to know when Chime was issuing the XXXX into my account. I spoke to Chime they said it would take a XXXX  before they would put it back to my account. Then I called a XXXX XXXX he wouldn't let me talk to a XXXX because he told me that the case was closed. So I never got no refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: Frontline Asset Strategies, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-18
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXXXXXXBalance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX  ; XXXX  XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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

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