BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
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:
Accounts are showing on credit report, that I did not authorize. Tried contacting accounts and credit bureaus, but no progress.

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 2023-02-28
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I did not authorize nor consent the following inquires being furnished on my Chex  system report. See attached.

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 2023-09-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
FRAUDULENT INQURIES 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : COMENITYCAPITAL/XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : COMENITY BANK/EXPRES Inquiry Type : Hard FRAUDULENT COLLECTIONS 1 : Collections date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Collections : unrecognized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX XXXX account of XXXX XXXX ( XXXX ) XXXX opened with XXXX XXXX XXXX BANK XXXX XXXX ) XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. After this XXXX XXXX XXXX XXXX  ( XXXX ) XXXX reported to JPMorgan Chase bank XXXX. that XXXX XXXX XXXX XXXX  ( XXXX ) XXXX made a return in case of private policy. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX made the reverse payment through XXXX  XXXX XXXX, New York. 
On XXXX XXXX, 2022 XXXX XXXX XXXX under the XXXX XXXX XXXX. Considering this, my payment must be blocked by intermediary bank according to XXXX sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank or XXXX  XXXX XXXX, New York have not still blocked the payment or have not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX XXXX not locate the records of the blocked payment. On XXXX, XXXX, XXXX, XXXX, XXXX we tried to contact JP Morgan Chase Bank and XXXX  XXXX XXXX, New York via XXXX from XXXX Bank XXXX XXXX to clarify if the payment was blocked and reported to XXXX and XXXX. Still, JP Morgan Chase Bank and XXXX  XXXX XXXX, New York have not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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: Block, Inc.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Cash App refuses to let me access my stimulus payments! 

I successfully received my first {$1200.00} stimulus payment at the local homeless shelter in XXXX XXXX CA. I acquired a Cash App card to put my money onto so I wouldn't have to carry a ton of cash. When it came time to file for the second stimulus, I decided to have the money placed onto my Cash App card instead of receiving it in the mail. I even took a screenshot of the confirmation I received from the IRS stating the deposit would be made by XX/XX/XXXX. ( I still somehow actually have said screenshot. Couldn't tell you how. ) All seemed to be going as it should until XXXX turned into XXXX then XXXX and so forth. I've been struggling with Cash App this whole time. I've been forced to open new cash-tags/accounts to access support. Crazy thing is, that I can remember just about every single one of them : the cash-tags, phone numbers, e-mails associated with any Cash App card I've owned. 
I've certainly done my part to keep Cash App informed of updates to my phone/email/address. Regardless however many Cash App accounts I've opened, my filing information such as social security number, birthdate, driver 's license ect. remaines the same. I must admit however I'm still a bit unclear about the whole self-employed filing thing. I did open my own XXXX in XXXX because of this. At the same time, I relocated to XXXX CO with what little money I had due to the economy. I worked for XXXX during XXXX and then XXXX Eats during XXXX. I have reason to believe my tax returns for those XXXX years are also stuck in said Cash App account. 
Cash App points the finger at XXXX. XXXX directs me to Block and they turn me back to Cash App who again points at XXXX. I furthered my issue with the IRS as well as the FDIC. The FDIC forced XXXX to respond, at which point the lady implied I was essentially nuts. She then pointed me back to Cash App. I believe I still have that letter from XXXX? The IRS is putting a trace on any other payments owed to me and I'm eagerly awaiting their reply. 
Since Cash App has proved absolutely no help whatsoever, I've tried everything else imaginable. This includes liking the account to other cards, linking the account to different accounts, ordering random cash cards hoping my money was somewhere out there on a different app? I tried becoming a XXXX XXXX  member. I tried opening an XXXX in Delaware through XXXX. Again, since I lost my phone and phone number and email along with the phone? I doubt I was even able to file my taxes successfully the past XXXX years. 
Upon reacquainting myself with Cash Apps fine print, I found information as to where I can complain, so here I am... Any guidance is much appreciated. Thanks for listening. 

Sincerely, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Self Financial Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. 

I have also disputed this balance 3 times as wrote to XXXX and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.

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 2023-07-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account XXXX  XXXX XXXX XXXX Account XXXX  XXXX XXXX  XXXX Account XXXX  XXXX XXXX XXXX  Account XXXX  XXXX XXXX XXXX  Account XXXX  XXXX XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 

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

15 USC 1666B : a CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
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 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 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 information or 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.

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 2023-05-19
Company: MoneyLion Inc.
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 have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account status incorrect

Complaint:
This is a long story due to the incompetent employees at XXXX XXXX. XX/XX/XXXX I closed on my house with them. XX/XX/XXXX they raise my mortgage by almost {$400.00} with the explanation of force placed insurance. Myself and my homeowners insurance company submitted all documents they asked for and waited for them to back date and adjust my mortgage correctly like they advised XXXX XXXX. Finally after over a month and many hours on the phone with them and my insurance company, XXXX XXXX finds the mistake they made at closing. They forgot to include my wind and hail which does not need to be escrowed. They add it without my consent. They have refused to correct the issue or call me back/answer my calls and are negatively reporting to the credit bureaus. They are also applying my mortgage payments incorrectly. What they are doing is illegal. I have facts and proof of their wrong doing and so does my insurance company. XXXX and XXXX XXXX are the most unprofessional and disrespectful people I have ever dealt with. Math is not hard and numbers do not lie ; XXXX XXXX does. This is a short version of key points. Just look at their XXXX and XXXX reviews. The attachment is just one example.

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 2023-09-09
Company: Consumer Financial Services Solutions, Inc.
State: PA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
This is about beyond financial services number one they told me I was eligible for a consultation loan two years ago so I said okay. But two or three months after that I found out it was not a loan but some kind of consideration program I sent up direct deposit from my bank account thinking I was paying off a loan but no they were just taking money out of my account saying to pay on my debits. Not true for now I am in default with all my debts and don't even have enough money to file for bankruptcy. I feel that I got robbed. And they should pay off all the cards and loans interest and fees. And return my money they took. This money came out of my XXXX account. I see a judge ordered against beyond financial I need to be on that document and get reimbursed I lost a XXXX dollar loan to build a church because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I detected these hard inquiries on my credit report which are unauthorized and I do not have knowledge about. I reached out to all 3 credit bureaus to have them delete. Only XXXX did but Transunion and XXXX are still reporting inaccurate informations on my credit repor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXL XXXX # XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. 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 mare 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 persom 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 2023-07-06
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:
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.

has violated my rights. Or list of inquiries 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.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I have been working for months to resolve an incorrect late payment on my credit report. XXXX says to dispute it with the credit bureaus, they say XXXX needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX, an unauthorized {$2.00} charge was made on my mom 's XXXX card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. XXXX reported this as 2 late payments, 60 days and 30 days. 

My mom called XXXX when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

XXXX continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that XXXX is still reporting a late payment. The last time I contacted them, Transunion completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to Transunion and XXXX. XXXX stubbornly refuses to list the account at all.

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