BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: ID
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXXXXXX -- - IDENTITY THEFT UNAUTHORIZED INQUIRIES : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2021-09-28
Company: Goal Structured Solutions, LLC
State: ME
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019, I had signed up for an online XXXX XXXX XXXX and was going to pay for said coure utilizing a loan from a company called Launch Servicing ; however, prior to even starting this XXXX XXXX XXXX, I ended up CANCELING my enrollment due to the fact that the school repeatedly failed to send me the proper course materials that would be needed to successfully work on and complete this course. I then conducted extended research on this " school '' and found through many other student reviews that this school was a scam and MANY people have had extensive problems with this school. Honestly, it has been so long that I do not even remember the name of the school, but what I DO know for a FACT is that I did NOT take this course, did not even begin it, and immediately CANCELED my enrollment and CANCELED my financing through Launch Servicing. 

Fast forward to just a few months ago, I was examing my consumer credit reports and disocvered a collection account from Launch Servicing, claiming that I owe {$3600.00}. This is ENTIRELY INCORRECT. I EXPLICITLY CANCELED MY ENROLLMENT AND CANCELED MY LOAN PRIOR TO EVEN BEGINNING THIS COURSE! I immediately contacted Launch Servicing via email and did not receive any sort of response. Finally, after an ENTIRE MONTH of emailing these people, I received a response from Launch Servicing, claiming that I DID NOT cancel my enrollment in this course. This is ABSOLUTELY FALSE. I never even STARTED this course and CONTACTED BOTH LAUNCH AND THE SCHOOL TO CANCEL BOTH MY ENROLLMENT AND MY FINANCING. Therefore, Launch Servicing is SLANDERING and ASSAULTING my good credit with this ENTIRELY FALSE information, claiming that I owe them nearly {$4000.00} for a course that I NEVER EVEN TOOK. To make matters EVEN WORSE, since contacting these people, I am now receiving MULTIPLE HARASSING PHONE CALLS PER DAY as well as letters via mail from a collection agency by the name of XXXX XXXX out of XXXX, DE. So, not only is my credit being slandered by Launch Servicing, but their collection agency is now constantly harassing me and blowing up my phone multiple times per day. I will NOT stand for this behavior and I will NOT allow my otherwise SPOTLESS credit reports to be tarnished by LIES.

For the sake of context, I have conducted further research on Launch Servicing and found that they are currently being sued by another indivudal for their unscurpulous debt collection practices, which may be found via this link : XXXX XXXX XXXXXXXX

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 2023-06-26
Company: EQUIFAX, INC.
State: DE
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:
4. Third Party Supplemental Information ; Supplemental Consumer Credit Information ; XXXX  Teletrack  ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) ( XXXX ) Requested by XXXX  XXXX XXXX on XX/XX/2017 I never applied for a loan. Called the company and was never able to resolve the issue. They were rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: VA
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 have written Experian and XXXX XXXX XXXX several times disputing the inconsistencies in my credit report. They continue to update false information. In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested Experian, XXXX, and XXXX to reinvestigate this account. To date XXXX has been the only company to properly investigate this account and delete it : However, Experian and XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, closed date more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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 an 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. Also, the credit agencies are not in compliance with metro 2 credit reporting. I have attached evidence for my case.

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 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I attempted to transfer {$2000.00} between my two accounts at Bsnk of America. I inadvertently transferred the funds to an old closed Balance Assist account that still appears as a " Transfer To Accont '' on my transfer options. I have call Bank of America repeatedly and can get no definitive answer as to where the funds are within the bank.

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 2023-06-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
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, Navy Federal Credit Union has violated my rights. My XXXX account was reported to the three bureaus on XX/XX/2023. 15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. In addition, this company failed to contact me prior to reporting this information to the credit bureaus. When I contacted Navy Federal they stated that they sent notices via mail, however, I didn't receive any notification regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
At XXXX on XX/XX/XXXX, I created a new PayPal XXXX account to accept payments for a new business venture I'm developing. I submitted my own information, using an address in XXXX  where I can safely receive mail because my XXXX lease is expiring at the end of XXXX. 
I received a confirmation email containing my mailing address at XXXX on the XXXX. I did not request any payments, did not link a bank account, and did not link a payment method. It was an empty account, created a period of days or weeks before I expected to make use of it. 

At XXXX on XX/XX/XXXX, almost exactly XXXX hours later, PayPal XXXX me that they were closing the account as fraudulent. 

> After a review, we decided to permanently limit your account as we detected that this account was created using either fraudulent or stolen information. 
> You'll not be able to conduct any further business using PayPal. 

I believe this XXXX be because I used a XXXX  address while living in XXXX, which I did for mail continuity during a move. 

This information is rightly mine, and correct. PayPal made no attempt to communicate with me outside of automated transactional emails, and I had no opportunity to remedy the situation. Attempts to contact PayPal support have been stonewalled, met with an auto-response indicating the decision is final. 

This will complicate accepting payments for my project, a XXXX XXXX XXXX for a community of software developers. PayPal is a familiar and trusted platform by the international audience that currently uses our free system, no not having access will make it more difficult to complete these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: TD BANK US HOLDING COMPANY
State: IL
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:
Two problems with TD Bank. 

1 ) Prepaid TD Connect card in name of XXXX XXXX was closed by TD Bank, sometime in XXXX I believe. They stated my accunt was used to fund the card, so they closed it. There is over {$3000.00} on the prepaid card and we called 4 times for getting refund check mailed. 2nd call said have to wait 30 days after closing and checking will be mailed around XX/XX/XXXX. Called XX/XX/XXXX and they sent to escalation of what issue is. XX/XX/XXXX spoke to rep and supervisor who saw no status update and exclated again and asked us to call back yet again in a few days. Each time takes 20-30 minutes to talk to the right person and get information. 

There is no online access to the account and the card is closed, can't be used. There is only TD records of the over {$3000.00} owed and they can't figure out how to issue the refund. 

The closed account is XXXX XXXX XXXX XXXX. 

2 ) 2nd issue is credit card in name of XXXX XXXX. Two payments were made of {$3000.00} each on XXXX and XX/XX/22 and the autopay was XXXX. TD took the autopay of statement balanced of {$6000.00} in addition on XX/XX/XXXX, creating a credit balance owed. TD acknowledged the mistake. 

I requested the credit balance 3 twices. I went through various security screens and the fraud department said they cleared the account. A refund check of {$1100.00} is owed and one department is not communicating to another. They can't figure out how to issue refund. 

I spent 59 minutes on the phone on XX/XX/XXXX from hold times to transferred about 5 times. We have cleared their fraud screenings on each phone call with text code to phone too and someone in fraud department said account is cleared. 

There is some incomptence with TD Bank that gives the appearance of Bank Fraud for illciitily holding funds that have been prepaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX MACY/CBNA ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern, On XX/XX/XXXX, There was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. 

To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 
Sincerely, 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 2019-11-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for Amex Everyday card after seeing their advertisement for XXXX fees balance transfer from any credit card. I applied for their card and was approved successfully. 

I carry certain balance in my other credit card issued by XXXX XXXX XXXX ( XXXX ). I have been using this credit card for the past 3+ years. For the past one week, I was attempting to transfer balance from this credit card to my Amex Everyday card using my online Amex account. However, I received a message that card number is not valid. Hence I contacted the customer service on several occasions to do the balance transfer. I spoke to almost four or five different people including one personnel from Balance transfer department. Everyone gave me the response that the card number is not valid. They questioned if my card number belongs to a debit account or loan account or if my card is under my name or if the card issuer is based in US. I clearly explained that card is indeed issued by XXXX XXXX XXXX XXXX based in MA, USA. Also, card is under my name and it is a credit card. I even asked the Amex customer service to validate the statement by calling the XXXX bank. But Amex responds with the same response that card is not eligible for transfer. Personnel from the Balance Transfer department confirmed that XXXX credit card should be eligible for balance transfer, and asked me to proceed with the transfer process by contacting the customer service department. However, customer service department is not able to process my request. Also, they are not willing to offer me an alternative to the internal problem that Amex faces. Amex is not sticking to the commitment that they offered before I signed up for the card. Amex did not mention that I can not transfer balances from credit cards that have been issued by XXXX XXXX XXXX, before I signed up for Amex Everyday card. Also, there are no personnel available with the Amex who can intervene in this and make decisions. Customer service people don't offer me the option to talk to their superiors or any other managers who has some decision making authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We recently did a mortgage modification with Statebridge Company , LLC. During this process, we were initially denied because they made a mistake denied us based on using only one source of income, rather than two. Then had to dispute this and reapply, ensuring that they try to qualify us using BOTH sources of income. We were then approved for a trial modification. We were then denied our modification because they held 3 of our payments and posted them late. I was then forced to dispute this and provided receipt of my wire transfer confirmation. The modification was then approved. 

Since then, the mortgage statements have consistently arrived after the XXXX of the month ( when payment is due ), and there has been an overdue payment of XXXX. This was not included in our modification paperwork, nor were we sent a bill identifying what these fees are. I have made multiple attempts, by calling and emailing, to find out what this charge is for. The customer service agent tells me that it's for various charges, and directs us to speak with the lady that handled the modification directly. No one has reached out to resolve this issue and I do not believe that we are liable for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Error was not fixed.

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 2021-09-28
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I submitted a complaint against ERC for erroneous reporting and collections tactics on a time barred account. Since then, I received verification from ERC that the debt they have attempted to collect and are reporting on my credit reports has inaccurate information, per the documents submitted to me by ERC themselves. 

This is in reference to a XXXX account, which per ERC records was closed in XXXX of XXXX. The final bill sent was dated XX/XX/XXXX for {$100.00}. The collection account reported on my credit reports is dated XX/XX/XXXX- which is not only incorrect but also after California 's statute of limitations for debt reporting. 

After the final bill from XXXX, according to the documents sent to me by ERC from XXXX, there was another bill dated XX/XX/XXXX for the amount of the collection, which is {$58.00}. Again, the reporting date of XX/XX/XXXX is beyond the 4 year statute of limitations for debt reporting in California. And grossly incorrect, by a time frame of over 4 years. 

I contacted XXXX directly and they could not confirm whether or not the bill was paid, as their payment records only go back 5 years. They can not explain the 9 month gap between service termination and the 2nd bill for {$58.00} ; they were also unable to explain why the balance was different on both bills. Again, these debts are unverified as they have no way to confirm that no payment was received. 

It should also be noted that the communications from XXXX were all sent to an incorrect address in XXXX. From XXXX of XXXX to XXXX of XXXX, we lived in XXXX, CA- which again can be verified by my credit reports. Therefore, the notifications of these alleged debts were not received. 

In the letter received from ERC there is a phone number to call if I have any further questions or concerns. I have left multiple messages requesting a call back to resolve this matter but have not received a response. 

My request is that this time barred, alleged debt, be removed from my credit accounts as the information is grossly incorrect, per the records submitted by ERC themselves. This should have never reported to my credit in XXXX of XXXX and I ask that this be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX Balance : {$760.00}, XXXX  XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX XXXX {$4500.00}

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