BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: MD
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 letter is formal notice against Experian who failed to delete unverifiable information in my credit file. I had pointed asked Experian to delete the errors from my credit report that falls under section 604 of the Fair Credit Reporting Act ( FCRA ). They have failed to comply with federal regulations by not reinvestigating nor deleting this erroneous data. At this point they are liable for willful non-compliance, discriminatory acts, and I am seeking punitive damages in the amount of {$1000.00}. I am making a final goodwill attempt and hope that you can help to clear this matter up within 15 days. Please see the attached documentation that substantiate my claim. Please note that Experian keeps alleging that this information is being verified by a 3rd party however, the 3rd party does not have any of the reported information on file for me. We all know that the most serious problems include consumers credit files being mixed with the wrong person which is possible because of the spelling of my name. Also my social security number has been involved in a few data breaches therefore I want this injurious information deleted immediately.

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 2021-11-18
Company: Risecredit, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted several disputes with XXXX with no resolution. 
The other 2 credit bureaus XXXX and XXXX updated my balance with the creditor promptly after I submitted the proof that my account balance was incorrect. 
I opened my dispute with XXXX in XX/XX/2021, XX/XX/2021 and again in XX/XX/2021. My dispute is to update that my accounts were paid in full and the balance should be listed as {$0.00}. 

XXXX kept updating the account balance with outdated incorrect account balance information and kept updating/resetting my dispute resolution date whenever I updated my dispute with additional documentation provide by the creditors to help resolve the dispute. 
I continued to get the run around and continued delays in answering phones and they kept sending me back to the creditors to update my credit report. 
My creditors also kept saying XXXX has been provided with updates that my balances were {$0.00}, but my credit report has never been updated to {$0.00} balance. 

As a consumer, it is unfair that Im caught in the middle of the poor communication and being passed back and forth between the creditors and this credit bureau which has negatively impacted my life. 

My creditors in dispute were XXXX and Rise/XXXX 
I advised XXXX that their delay in updating my credit report with valid information was delaying my approval for a mortgage and negatively impact my life and the lives of my family. 
I am still waiting for these creditors to update my balance with XXXX, I would like to add again, that XXXX and XXXX are showing {$0.00} balances with both of these creditors which is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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 2022-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have wrote the company to let them know this debt does not belong to me it may belong to someone else. Me and my father in past has had each other accounts on our credit report. I have reach to all companies and ask them to fix it Please assist me. 

1 ) XXXXP XXXX Collection/Chargeoff Last payment- ONLY SHOWING ON XXXX XXXX XXXX XXXX XXXX PORTFOLIO RC XXXX Collection/Chargeoff AMOUNT $ XXXX REPORTING TO XXXX AND XXXX XXXX ) PORTFOLIO RC XXXX XXXX AMOUNT XXXX -REPORTING TO XXXX AND XXXX XXXX ) XXXX XXXXXXXX XXXX CXXXX XXXX XXXX HIPPA LAW DO NOT BELONG TO ME AMOUNT XXXX XXXX RECO XXXX Collection/Chargeoff AMOUNT {$1100.00} MEDICAL HIPPA LAW DO NOT BELONG TO ME Collections XXXX ) XXXX XXXX XXXX $ XXXX XXXX SHOWING ON MY XXXX REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: PA
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:
In XX/XX/2019 I filed a complaint regarding information provided to my credit card XXXX by Equifax that caused XXXX to reduce my credit limit ( XXXX-XXXX ). As of this date I have not received any response from Equifax providing me with the same information they provided to XXXX or whether or not Equifax corrected my Credit Report. 
On XX/XX/2019 I sent correspondence to XXXX  XXXX  at their " dispute '' office in South Dakota requesting the information received from Equifax that prompted them to reduce my credit limit. As of this date I have not received any response from XXXX or their Dispute Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife has been receiving calls from  XXXX   XXXX   XXXX  ( account #  XXXX   ) a cting on behalf  of Cash Central on an a lleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the  XXXX   XXXX  area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked  XXXX   XXXX   XXXX  for the address of Cash Central, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in  XXXX . They also stated that the individual that obtained this loan put down their place of employment as  XXXX   XXXX , which I worked there, but not in  XXXX  when this loan was allegedly obtained as I have been employed with  XXXX  for 7 years. I was finally able to find a phone number for Cash Central and address (   XXXX   XXXX    XXXX ,  XXXX , OH  XXXX , ph #  XXXX  ). I followed the prompts, opti on 1,   opt ion 1 again, then option 2 for  past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a go od 25 minu tes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by  XXXX   XXXX ,  XXXX . I called them and they told me that the account was recalled back by  Cash Central   X/X/2014  and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a previous complaint concerning Bank  of American a nd an overdraft fee.   While they claim to have fully resolved this issue, they have not and in fact it has gotten worse.   I have been charged  XXXX  additional {$35.00} overdraft fees.   The issue is that Bank of America does not fully disclose their overdraft fee policy and how they determine when and why they charge. They do not provide it to you in writing when opening an account ( I reviewed the paper work provided to me when I opened my account and all notices since ) in writing or on their website. Furthermore, their full policy is not easily accessible or found.   Bank of America does not even follow the policy they list on their site.   In other words, there is a lack of transparency and full disclosure. When I request their full policy to be provided to me, all representatives refuse to provide it stating " it goes against their internal policy. '' As a customer, to say providing a policy regarding how their account is charges astronomical fees goes against another policy makes zero sense.   Bank of America has had to settle multiple lawsuits in previous years and as a customer, the issues persist.

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 monetary relief
Consumer complaint received 2017-05-31
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My sister passed away. I have a cc with the activation sticker still on it. Barclays is unresponsive. Whenever I reach a human, they say the account is open but they can not close the account and must transfer me to someone who can. I have been put on hold for 30 minutes on three separate occasions. Their complaint procedure found at   XXXX   XXXX   XXXX   says I may call  XXXX  and all I need are name and address, day time telephone number where we can contact you, and a clear description of your concern or problem. Calling this number does not permit me to follow the outlined process. It just puts me back into the same holding pattern for anoth er 30 m inute wait.

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 2017-05-31
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On Wednesday  XXXX   XXXX ,  2017 an 'un available ' number repeatedly called phone numbers belonging to myself, my daughter and my ex husband ( divorced 13 years ago ) leaving detailed messages regarding a lawsuit filed and the need to serve papers to my home and threatening to contact my employer to serve papers. When the call was answered the individual identified himself as attempting to serve " sealed legal documents '' on behalf  of my local county court office . When pressed for more information the individual indicated i had to call a different number to speak to the lawyers office who filed the complaint. The individual who called only provided his name as  XXXX  and represented himself as a legal process server f or my county. W hen pressed for a return phone number he hung up.     I called the number provided to me and the individual who answered indicated she was a mediator attempting to resolve a dispute prior to it going to court. When asked what matter they were trying to resolve they indicated they were for a " bad check '' and " attempting to defraud a financial institution '' for a debt owed to the Cash Store. Although I have used them before I am not aware of any outstanding debt and the date she said was from last year, and the last time I took a loan from them was many years ago. When I attempted to ask them to remove the numbers for my ex husband and family I was rudely told that I called them and they do n't make outbound calls. At this point I asked to speak to a supervisor. I informed the supervisor that I needed the numbers marks as do not contact and requested and address and fax number for their company to send written  requests and a cease a desist on the basis of their harassing calls. The agent told me they do n't make outbound calls and they had no address to receive mail to. She insisted the company who called me was a 3rd party and refused to give me their name and/or number.
I was never read any disclosure that this was an attempt to collect a debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom it may concern, I attended West Virginia XXXX XXXX for a few months back in XXXX. I was struggling to make ends meet. I ended up having to work 2 jobs and go to school. I didnt have a stable support system then as I was just leaving you the XXXX XXXX XXXX. I feel like XXXX took advantage of my vulnerable situation and exploited my ignorance. I was only XXXX when I made the mistake of going to this private school. The school shut down years ago but Navient is still attempting to collect {$5000.00} from me for an education I never received. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Cash app ( square inc ) has money of mine that they refuse to give me access to. I got a new phone and number and was unable to access my account because I couldnt get the text message cash app sends when trying to login. I contacted cash app and was told to set up a new account theyd go from there with verifying my identity. I did that. With this new account I had to enter the last 4 of my social security number, date of birth and zip code. This is the exact same info I had to enter when I created the previous account. Cash app asks for none of that info when verifying my identify. Then they come back and say they can not give me access to my account, the decision will not be reversed and they will not give me any further information. I went as far as to call XXXX XXXX XXXX to have them reactivated the old number just so I could log into the cash app account. With the first attempt cash app logged me in but requested I add a debit card. I tried. It errored 3 times until finally it said I had tried adding the card too many times. When I went back to login with the phone number cash app prompted me to open up yet another account with the telephone number from my old account. They dissociated my phone number from the account Cash app is now holding on to my money and refuses to take any further steps to resolve this issue the account is tied to my social. I can even verify the last few transactions. Cash app can not Just decide theyre going to keep app users money and not offer any type of way to get it. I want my money. After reading experiences from others, cash app ( square , inc ) does this to lots of users.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I disputed a claim with Chase bank for a  XXXX  transaction through  XXXX   XXXX  that was a scam because I did n't get what I paid for so Chase sent me a credit of  XXXX  and then they took the money out of my account again because they could n't reach a comrpromise with  XXXX   XXXX  which is wrong because it 's my hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have settle the amount with the lawyer representing t he Portfolio Recovery Associates. I had paid a certified check and it was  cashed on the  XXXX  of  XXXX  for the agreed amoun t. Portfolio Recovery Associates also  reported the balance was still owed and that 's incorrect. Case  XXXX   XXXX  in the  XXXX  Ohio Court. This was a  XXXX   XXXX  original  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Synovus Bank
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I reached out to just progress credit card and paid my balance in full, 1 year later I applied for a XXXX credit card and they said that it shows that I still owe first progress credit company and thats why they denied my request for credit with them, it wasnt charged off its been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-11-18
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX I received a phone call from Wells Fargo regarding my Wells Fargo Credit Card. The rep stated the payment is late and the minimum amount of {$25.00} is due. I explained to the rep that I have not received my bill for this account. Ive never missed a payment for any of my accounts. The payment due was only {$25.00}. When I was informed the payment was late I immediately went online and paid the full balance off. Even though I am also a victim of the natural disaster. I lost my job in XX/XX/XXXX when the state mandated a lock down. The company I worked for went out of business. I wasnt able to find employment until XX/XX/XXXX. They said we can set up a deferment if I wasnt able to make the payments. I explained that I dont need a deference I only need to make sure my credit report doesnt show any late or missed payments. The rep stated that as long as the balance was paid in full they agreed to not report the late payment on my credit file. They didnt add anything on my credit report showing any missed or late payments. In XXXX of XXXX over one year later, for some reason Wells Fargo went back on their word and my credit report showed a late payment for the month of XX/XX/XXXX. 

When I called Wells Fargo and explained the situation they said they dont have any way to remove it from my report. Ive been a Wells Fargo customer for over 10 years. Never missed any payment prior to that one payment that was late. 

Ive called many times and I tried explaining that I never received my bill it never came in the mail and they are required to send me a bill every month. I told them that I am a victim of a declared national disaster. That should be enough right there to remove this inaccurate information from my report. I made the payment exactly like I was told and then updated my address because they had the wrong mailing address in the system. 

I called another time and a rep stated she will send my request over to a special department and they will remove the late payment due to my long relationship with Wells Fargo and that there was never any other late payment on the account.

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 2022-03-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize

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