BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 my mortgage with XXXX Bank and have always made on-time payments. However, the last 2 months, they have incorrectly reported to the 3 credit bureaus that my mortgage balance has gone UP ( it has not ). I have tried disputing with XXXX multiple times and they are not helping me, they keep reporting incorrect information that has hurt my scores. On XX/XX/2022, they reported that my mortgage balance went up by {$940.00} ( to {$170000.00} ) when it actually should have gone down to {$170000.00}. This decreased my credit score by 1 point. I called the bank to dispute this information and disputed with the 3 credit bureaus. It was briefly corrected until XXXX. On XX/XX/2022, they again incorrectly reported my mortgage balance as going up to {$170000.00}, when it was actually at {$170000.00}. I called Monday XX/XX/XXXX and XXXX refused to open another dispute, saying my original dispute was declined. This time, my credit score dropped again by 4 points due to these reporting errors. They are refusing to help me or correct the issue. I keep disputing, and they keep reporting the wrong information.

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 2023-05-24
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
inaccurate information that needs to be taken off my 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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

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: FORD MOTOR CREDIT CO.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These guys realize that there was a mistake made They removed it from the credit report on XXXX the XXXX And now they have put it back on the credit report as of XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently pulled my report and verify accounts that should not be reported as late payments since I always make sure that I am paying on time. I demand these accounts be updated and remove the Late Payment notice. Attached below are the accounts I am reporting : XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXXXXXX 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 2023-07-07
Company: Experian Information Solutions Inc.
State: CA
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 want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. The bank already agreed to update the status of this account to Open/Never Late : XXXX XXXX XXXX Please repair and update.

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 2023-02-22
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: Reporting company used your report improperly

Complaint:
Fruad accounts and inquiries appearing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
On XX/XX/2023 I submitted a claim with CashApp to return the funds that they took and my claim was denied on XX/XX/2023. It's unclear why CashApp decided to take my funds and deposit my money in their bank account. I made a reservation with XXXX XXXX on XX/XX/2023 to stay from XX/XX/XXXX, XXXX XXXXXXXX XXXX ( I used my CashApp card to hold the online reservation ) ; for unforeseen circumstances I had to cancel the reservation on XX/XX/2023 ( within the cancelation policy ) and on XX/XX/2023 I noticed that the CashApp card was charged {$200.00} ( XXXX night room and tax ) so I contacted XXXX XXXX ( Cancellation # XXXX ) regarding the charge and they ensured that they did not charge my Cash App card for any fees nor for the room- since I honored their cancellation policy. In addition, they sent me an email validating that they DID NOT place any charges on my Cash App card. ( I have the email if needed ). I contacted CasApp on XX/XX/2023 to submit a claim for the funds that CashApp took and deposit into their own bank account ( CashApp DID NOT deposit the {$200.00} to XXXX XXXX ). It's unclear why CashApp would take my money and keep it. They did not release the funds back to me ( on my card ) since this was a hold ; they did not deposit to XXXX XXXX and the denied my claim to refund my money. WHY? I'm trying to make sense of why they are keeping my money ( for NO REASON ) and enjoying a meal off of MY MONEY. There is NO REASON why they denied my claim and no reason to put MY MONEY into their bank account. I want my funds {$200.00} returned and an investigation into this matter. Something is fishy about this situation. 
CASHAPP info : Dispute denied. From : Cash App XXXX Date : XX/XX/2023 at XXXX AM PDT. Subject : Your dispute has been denied We reviewed your dispute with XXXX XXXX By XXXX for {$200.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute. 
MY CASH APP CARD info : XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$500.00}, XXXX XXXX Balance : {$0.00} , XXXX XXXX Balance : {$5700.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balan {$1200.00}, XXXX XXXX XXXX XXXXBalance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$210.00}, XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$960.00}, XXXX  XXXX XXXX Balance : {$0.00} 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 2023-07-07
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Chase canceled and put a hold on my wire transfer, which I paid fees for. 

I need to transfer to pay my real estate agent to pay her fee for my business. 

On XX/XX/2023, I sent the money to my agent 's account ; Chase canceled my transfer without any information and kept the wire transfer fee. I had to call them to get the payment refunded. 

I got a different account number from the real estate agent and sent XXXX again. 
This time Chase took my money and never sent it and put it on hold without any notice. On XX/XX/2023, Chase sent an email stating that my transfer was delayed for 1 to 2 business days. I have not gotten any message since the date. 

On XX/XX/2023, I sent a message through their App asking what happened to my money. They responded by saying that there was a wire hold and need the personal information of the agent. 

On XX/XX/2023, I called Chase and spoke to 3 different agents the last one being XXXX from the Legal Hold department. She told me that there was no team to help me and I had to talk through the app or visit the center. 

This is ridiculous that Chase just took my money and did not provide any details for the delays, so I assumed the money had been sent to my agent. This event created lots of my hours just for XXXX which they should compensate me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX XXXX Funds were deposited to COINBASE in my account, and converted to USDC. For reasons they will no disclosed, they have placed a 47 Day Holding period on my funds, so they are no available for sending or withdrawal. Also, they have put a restriction on my account. After contacting them to discuss, they refuse to give any reason why or to release the funds back to me. {$20000.00} is currently being held hostage, it's extremely concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine and weiner refused to remove this debt from my XXXX credit report and still report this negative item which is not a negative item on my credit report. They even put a cease and desist address on my credit report and XXXX will not take it out cause that is not my address nor was other addresses they had there. But back to the matter at hand. You are trying to collect a debt that is not owed to XXXX  and I never told them to add this to my insurance. In fact I got another insurance because their insurance was way too high for two cars I got XXXX XXXX insurance. And I sent a photo of the policy. This account came back verified and how. I have been trying to get you to remove it and you are persistent in this illegal matter of reporting something on my credit report that is false. You also came at me in an email to attempt to collect and that is way illegal.

15 US code 1692c ( a ) ( 1 ) ( 2 ) 15 US code 2681 ( I )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: MD
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 NUMEROUS 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 XXXX XXXX XXXX, DC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DC XXXX , XXXX XXXX XXXX Balance : {$24000.00}, ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX XX/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 explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-03-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
transaction dates are as follows in which I have not received payments as the money hasn't been deposited into my account. The customers have paid vis ACH funds and there was XXXX charge backs XX/XX/XXXX {$140.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$1100.00} Wellsfargo and XXXX XXXX XXXX are all ISO 's of 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 2023-07-07
Company: Experian Information Solutions Inc.
State: FL
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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

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 2022-11-29
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

( THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHT TO PRIVACY ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # 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 2023-03-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went back over my statements for XXXX  and realized that I was being charged a late fee EVERY month. I WAS late a few months ( the first couple of months of the year were rough ) but since XXXX of XXXX, I've paid every month. The issue is, I was paying in the beginning of the month, since that is when I receive my SSI, and I just wanted to pay all my bills and forget about it. So I would pay on the XXXX or the XXXX of each month. My bill is due on the XXXX of the month. They were attributing the early payments to previous months. So therefore I was being charged a late fee EVERY month. This isn't right, especially because some months I paid twice ( XX/XX/2022 I paid {$100.00} on XX/XX/XXXX AND {$100.00} on XX/XX/XXXX. Because that was close to the date it was due, I did not receive a late fee that month. ) After XXXX, because there was no late fee that month, I should have been caught up, and any payment in the month of XXXX should count for XXXX, right? Well, apparently not. I paid {$100.00} on XX/XX/XXXX ( keep in mind, that amount is always over my minimum required payment ) and I received a late fee on XX/XX/XXXX. Paid {$100.00} XX/XX/XXXX, paid {$50.00} XX/XX/XXXX, received late fee on XX/XX/XXXX. Etc. I spoke with the company and they were only willing to refund ONE late fee, the one for the recent past month. I feel like I've been a good customer for a year now, no missed payments, in fact, many months I paid twice. But I've been getting charged {$40.00} nearly every month. For making EARLY PAYMENTS. That does not make any sense. I closed the account and I am perfectly ok with paying whatever balance I owe but I want them to refund the late fees in the months that I paid early. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Delete hard inquiries : XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXXXXXX ; inquiry date XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX  ; inquiry 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