BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: NV
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$690.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00}

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 2023-05-07
Company: Credit Karma, LLC
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They will not let me do anything with my account even though I sent in all the proper documents like identity card and social security card pictures through email, uploading to website and chat box. My number need to be updated they refuse to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXG Inquired on XX/XX/XXXX 2020

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 2019-09-29
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
This will be second attempt to try to resolve my matter with Santander Consumer USA. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am trying to pay off my loans. The math is not adding up between what I have paid where it was applies and what the remainder is. I have asked for a pay off letter and although I was given I do not agree. I have called several times since XX/XX/XXXX and still not getting someone to answer my questions. I continually get sent in circles and told that I should receive the document at the end of business. I am still waiting on several items that I was told on the XXXX that my document was in the system, I still have not been able to rectify the issue. 

made contact with them several times regarding the pay off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: I.C. System, 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: Account status incorrect

Complaint:
What they have reported : i was late on a payment & the loan was not paid in full. 

i was never late on a payment, I paid the full loan balance off.

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 2019-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wanted to cash my first paycheck with Bank of America, and they put an eleven hold on it. Can't pay for rent now. 
Called customer service, went to a branch, manager said there was nothing they could do. Unacceptable

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 2020-02-28
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
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:
On XX/XX/2020 I opened an online PENFED account, But I didn't know it would be a hard pull in my credit report. This information is not transparent to the user. If I knew that it would be a hard pull, I wouldn't be decided to opening the account there. 
My credit has been reduced and my bank credibility has been affected. 
On XX/XX/2020 I applied for PENFED a credit card using the opportunity that my credit score will not suffer anymore. ( when applying for less than 30 days, the bank does not do a hard pull a second time ) I will add that I have a perfect credit history. ( attachment ) However, on XX/XX/XXXX, I did not get approved for a credit card One of the reasons is too many credit inquiries.

Other reasons also make no sense ( attachment ) Penfed Credit Union acts to the detriment of the customer they first weaken people 's credit scores later they refuse cards for a person with a perfect credit history

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiries are shown below.. 
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 Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 USC 1681 section 602 states I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: M&T BANK CORPORATION
State: PA
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely

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 2021-11-25
Company: JPMORGAN CHASE & CO.
State: UT
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:
Charges were made on my credit card in Wisconsin supposedly on a credit card. I live in XXXX Utah not Wisconsin. On the day of the transaction I was in XXXX, Utah. I have submitted proof to Chase with several documents that I was in fact in Utah, one of these documents was Notorized by my Credit union stating I was in their Branch on the day of the transaction. Another proof was a letter by my barber stating I was getting a haircut on the day of the transaction. As I stated to them how could I get to Wisconsin, make purchases and get back home on the day of the transaction. The purchases were made at a XXXX and a XXXX. As I told them why would I shop at these stores in Wisconsin when we have them both locally.I have sent this information to them twice and they still say I purchased them. Now they have reported to you as a delinquent and passed due account and my credit score is suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a Covid relief forbearance. I was approved for a modification when that ended. I have the final notarized copy of the modification from SPS and have made two payments. My first payment was due before XX/XX/22, I made a {$1100.00} on XX/XX/22 for that payment. Watching the status of my account online I noticed after XXXX that payment was not posted and applied to my account. On XX/XX/22 when my account still showed a XXXX payment due I made another payment of {$970.00} so my account wouldn't be past due and jeopardize the modification. SPS posted the {$970.00} payment to my account but have not posted the {$1100.00}. I have called SPS four times regarding this and the only response I get is " they haven't processed my modification yet ''. I spoke to a supervisor who sent an escalation to Cashiering to have my payment processed. According to the statement I've received it is still " not applied ''. I'm sure SPS is making interest on my {$1100.00} they have been holding since XX/XX/22. I should be paid the interest. Also, had my {$1100.00} payment posted when I paid it, it would have reduced my principal and saving me some interest for the next month. I called again on XX/XX/22, still no updates, the representative was rude and unhelpful. I called to set up reoccurring monthly payments and she talked in circles asking me what I wanted to do. I explained reoccurring payments. I got nowhere with her. I asked for a supervisor. She placed me on hold for at least 14 mins and came back to tell me she and her manager looked at my account and couldn't set up a reoccurring payment until a code was removed. She avoided letting me speak to a supervisor or manager. But she told me a reoccurring payment was set up but I needed to call in monthly for 6 months to pay by phone. I asked for the manager and after on hold several more minutes I hung up. Yesterday I spent 30 mins on the phone with SPS and accomplished nothing! Just like all the other calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I just called again- after waiting on hold for 15 minutes and providing all my information- including reading back a code they sent to the mobile phone associated with my account- Citi refuses to give me access to my money.

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 2022-06-10
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Phoenix Financial SE added this debt while under dispute with XXXX. Through XXXX XXXX XXXX. They are showing a new collector on my report. This is contradicting information 2 debt collectors are attempting to collect the same bill. There must be a law making this matter incorrect, illegal, and fraudulent. I have provided information regarding medical conditions and proof of insurance. This account is being tossed around by collection agencies. I have not received a reply from the previous collection agency and no communications from Phoenix Financial SE. This is causing continuous stress in this matter which is taking effect on my mental and physical health. I have not signed consent and I have contested this inaccurate amount with no feedback thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX  credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: MT
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/XXXX  but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor 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 2023-04-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around XX/XX/2023 I purchased a laptop from XXXX using my navy federal debit card. 
during the purchase of this laptop, I was harassed and stalked by XXXX police department. I wrote XXXX about their discrimination and still have received no response. XX/XX/2023 the laptop commenced a loud noise and caught fire. 

due to the discrimination and fear for my life I was frightened to return to the store. 

I disputed the charge. Navy federal refunded the money back with a pending investigation note attached. 

Sometime later I noticed my account negative. I called and wrote NaFed telling them I was not notified nor questioned during the investigation nor given a heads up about the dispute. 

my employment check was taken, my account closed and my credit card ruined. I was evicted and my credit is reporting as bad. 

breach the covenant of good faith and fair dealings, fraud, misrepresentations, conversion, breach of contract, abuse if authority and bad, abusive and unfair business practices and acts. 

their actions violate consumer right to fairness, to be heard and redress of grievances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Atlanticus Services Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
FORTIVA gave me a credit card with a limit of XXXX. They were jealous of me and allowed me to spend XXXX which put me XXXX over what they gave me. This is not a bank card or bank account. There is NO overdraft feature at all. They added the XXXX and reported this to the credit agencies and said I went over the amount Fortiva gave me which is IMPOSSIBLE. I want them to fix what they reported and because they only gave me XXXX credit limit not XXXX credit limit. They advertised XXXX and then they changed the terms to report false information to the credit agency in order to change my credit utilization score intentionally. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Over or At Credit Limit XXXX/XXXX/FORTIVA XXXX has reported your account as over or at your credit limit. 

Financial XX/XX/2022 What happened? 
On XX/XX/2022, XXXXFORTIVA XXXX has reported to Experian that your account as over or at your credit limit. As a result your score went down XXXX points. 

Source : XXXX XXXX : XXXX/FORTIVA XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX ) XXXX Activity : Bank/Credit Card Over Credit Limit Balance Date : XX/XX/2022 Balance : {$1000.00} You are receiving this alert because your membership includes XXXX credit monitoring & alerts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation