BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AL
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:
This is the law so i need them to reverse every late payment bank of the west ever put on my report and i want a check for every late fee they charge because i know the law ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.

( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.

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 2023-05-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened an account with all my information & charged up an amount & the company is reporting on my credit & has refused to cooperate with removing it from my credit as I have told them I was a victim of identity theft. I have called & was placed on hold for 2 hours each time with people being very rude to me & I am a victim. i have also wrote letters to this company as well. This company is Navy Federal Credit Union I also asked this company what supporting documents did they have proving this was my account & they told me I would have to subpoena that information in court to know anything about this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: ENCORE CAPITAL GROUP 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 at approximately XXXX XXXX I attempted to settle a debt of {$610.00}. Please note that I do not acknowledge any liability for this debt in any form and I retain my right to request full and complete debt validation from your company. I spoke with a representative by the name/alias of XXXX XXXX. I was informed that I would not be able to settle the debt of {$610.00}. I immediately asked for a supervisor and I was informed that there were no supervisors at that current time to help me and that the debt would not be able to be settled. 

As of XXXX and XX/XX/2021, I have previously made two separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you have no records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money. 

Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Financial Assistance Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They have not provided resolutions to my concerns, so I needed to reach out to them again to obtain a fair and impartial result. I'm already tired of going back and forth to these credit bureaus for almost a year now and no resolution has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: CA
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. 

Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX 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 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 2020-06-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I operate a XXXX XXXX XXXX, XXXX XXXX. I have used PayPal as an additional payment provider for a few months without issue. 

On Monday XX/XX/2020 PayPal sent me an email notifying me : " We've permanently limited your account ''. PayPal did not provide a specific reason but said they have determined I am in violation of PayPal 's Acceptable Use Policy - but again providing no detailed information. 

PayPal informs me that it will hold my balance of {$490.00} for 180 days. 

I attempted to request a review of this decision through the resolution center, but this option was not available to me. I have attempted to call PayPal several times without success. I have emailed PayPal several times, again without success. 

At this time, it seems impossible to actually get through to a human being at PayPal and I would simply like my balance returned to me. 

It is highly unethical for PayPal to withhold money that belongs to any business for 180 days. I understand that many people have and continue to experience this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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 XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-30
Company: SYNCHRONY FINANCIAL
State: FL
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 am trying to reapply for a card but Care credit says my credit score is too low and Im not able to make payments or use my card anymore they closed my account due to returned payments 3 times in 12 months but they were in an hour period and I have never missed a payment I would like help reapplying for my card 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 2020-06-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. XXXX  XXXX offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist

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 2022-05-16
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CITIBANK, N.A.
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 store card keeps showing me as having a balance is saying i owe when the cad is paid in full and close. Please remove this erroneous information from my 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 2019-06-25
Company: Radius Global Solutions LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Radius Global Solutions LLC, I've tried on several occasions to settle the debt on with XXXX, XXXX XXXX, and I've been lied to, intimidated, threaten, mislead, and consistently harassed. When I tried to pay the debt, I consistently asked for a website to pay the debt and have some kind of paper trail. When they finally conceded, they gave me a website that had been shut down by the federal government for suspicious debt collecting practices. This shady behavior continued. They called my parents, lied about who they are, used 12 different phone numbers, left multiple voicemails, and called after I had asked them to put me on a do not call list. Lastly, I tried to settle the debt and pay it off. A number of complications occurred when they tried to deny the settlement payment to get me to pay the full amount. 

I've tried all different avenues to settle this and have had no success. They constantly change their terms, fail to abide by their own rules as stated in the faxes sent to me, and have even hung up on me while I try to pay the balance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX closed my account without any notice. I never received a notice to use my card this year. XX/XX/2021

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 2023-11-08
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The customer service is extremely poor! It took over XXXX hours of holding and XXXX minutes of talking and I still have no resolution. 

The posted payment due amount changed multiples times leading up to repayment. I paid the last posted amount due and received a letter saying I was past due. I got another letter requesting payment in a new amount, paid it then received another past due notice. 

They misapplied the payment I made in XXXX for XXXX, 2023 and I still have no idea what I should pay because I get different letters/amounts every couple of weeks. I was told that they didn't put all my loans in the XXXX program only the ones that had been in repayment prior the covid pause. The pattern is I get a request for payment in one amount, I pay, they say I am past due then send a new request for a new amount is terrible. 

Separately, as of XX/XX/2023, I qualified for XXXX loans to be forgiven and provided proof. The said it would take up to 3 months to be resolved. They are still reflected online. My payment amounts due were lower with those loans included prior to repayment. Since they placed the mandated administrative forbearance and my payment due amount have increased! I don't understand that and want it resolved. Lastly, I provided a corrected employment verification when I verified I reached XXXX payments and they didn't increase my payment counts despite the same HR person making the correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-05-04
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: FISERV INC.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Always " in progress '' never an actual answer. Why doesn't Fiserv answer with the information needed? I'm thinking this is some kind of scam or fraud. Third time on CFPB. Despite requesting correspondence through the mail only over XXXX weeks ago due to the failure of your staff in telephone communications ; Fiserv chose to leave an unaidable voice mail on XX/XX/2023. Are these phone calls coming from outside of the country? Only a week later I get on the same day a letter from Fiserv saying that my information has been sent to a debt collector and a letter from the debt collector. Not once did Fiserv provide an address to send the bill to ; only a phone number to call which never gets anywhere. Fiserv 's staff could not locate any information about this case over their phone system ; therefore, a bill could not be paid. Now they have sent it to a bill collector because they are incapable of timely mail correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On approximately five occasion I have opened up billing disputes with Amex regarding a {$110.00} charge that was mistakenly applied to my account. The charge originates from XXXX and XXXX XXXX XXXX. I did not make the reservation. I did not stay at the hotel. I should not have been billed. Amex refuses to refund my money without explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
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:
Because someone fraudulently used one of my credit cards in XX/XX/2020, I got a credit report from one of the major credit reporting companies. I think this was the first time in my life I had ever requested a credit report because I had always heard that doing so could lower one 's credit score : besides, I had no need for further credit. However, I did discover that there was an account for a credit card from USAA Savings Bank that wasn't mine. The number for USAA was listed on the report so I called them. This was around XX/XX/2020. When I called I told the person answering that I thought someone had created a credit card account with my identity. They asked me a series of questions and, yes, my identity was used to open an account. I was then transferred to the fraud department and they asked me more questions to determine my identity, They got to a point where they asked if I was in a particular branch of military service. I have never been in the service at all so at that point they said that was a " big red flag '' and they could see that the account was opened with my stolen identity. They said they would take care of it and get back to me. They didn't. I've called them three or four more times and written them a certified letter, but they are giving me no help or information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief