BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I mailed a certified letter requesting to remove unauthorized inquiries reporting on my credit report. It is affecting my score and the credit bureau have not removed them. These unauthorized credit error. Please assist in removing and fixing this error. Listed below are the unauthozized inquiries

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 2023-04-02
Company: Experian Information Solutions Inc.
State: NY
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 act this creditor has violated my rights, 15 usc section 602 states i have a right to privacy ,15 usc 1681 section 604 A section 2 consumer reporting agency can not furnish an account with out written instructions.

15 usc 1666B, a creditor may not treat a payment under a credit card account under an open end consumer plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made an electronic payment on XXXX from my Chase checking account to my insurance company in the amount of {$1100.00}. It was supposed to be an electronic transfer direct to the insurance company with delivery on XXXX. Unbeknownst to me, Chase contacted the insurance company and asked them whether they preferred an electronic transfer or a mailed check. The insurance company choose the check option. This option meant my payment would not be received until XX/XX/XXXX ( 2 days after my payment was due ). Today ( XX/XX/XXXX ) I received a cancellation notice on my insurance. 

I immediately contacted Chase and was told the above story and was also told that although my proof of payment now says the check would be received by the XXXX that my check was actually mailed out today ( XX/XX/XXXX). 

I believe Chase should inform customers when there is a change in method of payment. I also think that when they make these changes that the payment should be made immediately. Not 11 days after my request. By the way, they withdrew the money from my account on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have just received a collection of {$700.00} on my credit report from National Credit Adjuster. I am and was not aware of this debt at all and nor was I given any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi my name is XXXX XXXX i had an auto loan with Wells Fargo. My car at one point during my loan was repossessed due to non payment which was incorrect, i proceed to get my car out pay all the fees and whatever wells fargo said i owed to them which totaled to almost {$4000.00} and My payments after that still were Either off or were not applied correctly. I took the auto loan out in XXXX and just recently paid off the vehicle.

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello and how are you? The other CRA went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this Public Record as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verify this? 

For example, court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.

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 2023-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Greeting 's I disputed the listed accounts and have ask the Original Creditors, third party Collection Agency as well as the 3 Major Credit Bureaus to investigate and Verify the information there company is reporting to no avail the incorrect information is still reporting on My Consumer Report, I'm asking tis information to please be removed. this companies are in violation of My Consumer rights.

15 U.S.C 1681 Section 604 A and 15 U.S.C. 1681 Section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Navient Solutions, LLC.
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:
Step 1 : What is this complaint about? 
I wrote to CFPB before and below was the result. I need further assistance. 

" Navient systematically misdirected borrowers into student loan repayment and forbearance programs when they really should have been directed into the Public Service Loan Forgiveness program. As a result, the plaintiffs claim they missed out on payments that could have qualified them for public service loan forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements. '' https : XXXX? XXXX This is exactly what happened to me! 

Step 2 : What type of problem are you having? 
I'm missing 5yrs worth of payments that could have been added to my PSLF. 

Step 3 : What happened? 
I was hired to work for XXXX XXXX. Between XXXX and XXXX I had asked many times if there were programs available to help me with my payments. I was told all that was available was the Student loan repayment and forbearance programs. I had advised them that it was was becoming increasingly difficult to pay in this manner since i had approx 25 loans and that this was destroying my credit having this many loans showing on my credit report. But again and again i was told there were no other programs. I asked if i could get a consolidation load for this. They said NOT to do this because it would bring me undo hardship with one lump sum and that i would lose the ability to pay off loans individually. It wasn't until approx XXXX a gentleman there had informed me that since i'm working for a hospital that i qualified for the PSLF loan. I had never heard of this before and proceeded to get more information. 

After i applied for this in approx XXXX I was only given credit from XXXX forward. I asked XXXX XXXX XXXX why i wasn't given credit starting back from XXXX. They told me because my loans weren't consolidated before that time. I told them what happened and they told me to call Navient and complain about this, so i did. They sent me a letter dated approx XXXX. 

Step 4 : What company is this complaint about? 
Navient Step 5 : Who are the people involved?

Navient and Myself

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I applied for a credit card and Equifax dropped my score down 71 points i only have 4 inquiries on my credit and now they have 7 months of perfect credit from my car note and they have not shown any kind of credit increase for this and they are dropping my credit for no reason and not reporting it correctly and I want this fixed or do I need to take them to court What they are doing is totally illegal and they should be held liable to fix this. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
I asked for verification information on the verification process and details on how the information was verified as accurate. I also requested a timeliness for when the issue was resolved. I also requested details on how They verified the accuracy of said accounts. 
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 2021-03-15
Company: Alliance Recovery Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Called me left numerous of voice messages XXXX False claims of started legal action. I decided to call them back. They claim it's for a XXXX XXXX account. Claims that legal action of fraud and debt collections against me. They used my correct name DOB and address and said I'm out of the XXXX XXXX area.after a heated conversation I hung up. So I called XXXX  XXXX immediately and spoke to a representative who said they have no record of me owing or in collections for anything with XXXX  XXXX. This firm said their a mediation firm. Spoke with a man.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Today I call in to make a payment for {$1000.00} with a representative at Capital One. I was not able to access the online website to make a payment or the app because I change my phone to XXXX with XXXX XXXX XXXX prepaid phone and representative stated that are not able to update because they need my drivers license I tried twice with two different representatives to update phone number unsuccessful. I did cancel payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$260.00} for a total of {$780.00}. All I wanted to do is pay {$1000.00} and have access to online website so I can review and know how much I need to pay to reduce the balance. I also was told that I was receiving COVID-19 extension from previous representatives and my account will be current and will not impact my credit but that was not true and the account is 123 days past due. I request that my bill be mail to me each month so I know how much I owe but no monthly statement is being mail to my home address unacceptable by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: BARCLAYS BANK DELAWARE
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 : I received correspondence that XXXX had ceased operations. They defaulted on providing a service in the form of a hotel reservation at XXXX XXXX in XXXX XXXX for {$260.00}. I called the hotel to confirm if a reservation under my name, XXXX XXXX, existed for XX/XX/XXXX, which they confirmed did not exist. Attempts to reach XXXX went unanswered. 

Over the next week, I sent a written correspondence to Barclays Customer Service to dispute and cancel the {$260.00} transaction at XXXX because the service provider defaulted on providing the hotel reservation service and ceased to exist. 

On XX/XX/2019 : I followed up with Barclays Customer Service ( BCS ) on the correspondence and the status of the disputed charge. Barclays Customer Service referred me to the dispute department, which I immediately called. Barclays Dispute Department told me that the dispute had been declined, but that I had the option of paper mailing them additional details. I was dissatisfied with this because I had already mailed them the information with the email from XXXX. I contacted BCS again to no avail. Please see attached correspondences for additional details.

Barclays Dispute Department substantiated that they could not go through with the dispute because the transaction involved a third party. 

On XX/XX/2019 : I emailed XXXX XXXX, a Sr. Manager of customer experience ( information posted on XXXX  ) in a written letter expressing my dissatisfaction with the customer service experience and brought up Barclay 's Chargeback protection policy as a potentially valid means to resolve this dispute. Please see attached letter for additional details. 

On XX/XX/2019 : I received a call from Barclays phone number XXXX from a person claiming to be a manager in the dispute department. I reiterated Barclay 's Chargeback protection policy in order to resolve the dispute, however the manager stated that the Chargeback protection was still not valid for this case. Shortly after, the call got dropped. 

At this point, I firmly believe that Barclay 's Chargeback protection is valid for this transaction due to the following reasons : 1 ) The purchase was made using their credit card 2 ) The services were not provided by the vendor.

3 ) I am within the 120 day time limit.

I cite the Barclay 's website on Chargeback protection : https : //www.barclaycard.co.uk/XXXX And also cite the example of " XXXX '' and how it relates to my case. I believe I have made every effort to act in good faith and be communicative in trying to resolve this dispute. Please see attached documents for all logged correspondences and details.

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 2024-01-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX, I disputed fradulent charges by XXXX on my credit account that occured in XXXX. These charges were fradulent because I did not receive the services for which the charges were for. There were two fradulent charges for the same exact reservation for {$1200.00} and {$1000.00}. 

As of today, XX/XX/XXXX my billing dispute is still not resolved after countless calls, emails back and forth, collecting of evidence, and more. 

Furthermore, I recently called Citibank this week and they told me it is too far past the date of the transaction to continue the dispute, when it has been actively been disputed since XXXX. Every request for information or evidence from Citibank, I have responded to. 

It is absolutely ridiculous for a dispute process to not be resolved after almost XXXX  months from the transaction date. As a consumer, I did everything in my power to ensure this process went as smoothly as possible. Citi Bank has totally failed me as a customer, and made me lose trust in them, as they did not appropriately protect me from 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 monetary relief
Consumer complaint received 2021-09-20
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT ABILITY RECOVERY SERVICE XXXX XXXX {$2200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICE OpenedXX/XX/XXXX {$2200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-03-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
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 XX/XX/2021 my account ending from Regions Bank which was associated with to my XXXX XXXX application was stolen with several transactions of {$100.00} totaling {$1100.00} which as of today I have not received any answer or solution. 

As a trustworthy bank, I thought I would receive better attention from them about this inconvenience but I havent. 

I have personally gone to speak with the manager of the XXXX XXXX office located at XXXX XXXX XXXX XXXX XXXX, FL XXXX and they treated me very rudely and left without receiving any kind of solution. Then I went to another location with MrXXXX XXXX XXXX, branch manager of Regions Bank XXXX XXXX XXXX and he told me that they were going to submit an investigation but it's been almost a month and I still have not received a response about 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 2019-11-21
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for the credit card for the purpose of home improvements and was approved for {$18000.00}. On my online profile, it now it shows approx {$4900.00} credit limit. I made attempts to reach out to customer service, however I was not able to reach anyone. I am seeking the reason for this reduction.

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