BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: MD
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 and XXXX have all effected my personal life by erroneously reporting information on my credit report without my written consent. As a result I have not be able to get approved for mortgage or car loans.

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 2023-09-21
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Binance.US has been pilfering customer funds via incorrect deposit instructions on their website. I have contacted them many times about this website error and my subsequent deposit that have not been credited. They have denied that the deposit instructions were faulty and refused to credit my funds, despite them being visible in my Binance.US wallet address, via the XXXX. The funds are not lost, nor are they in the wrong wallet, yet they simply refuse to acknowledge any mistake and refuse to give me credit for the deposit. 
Its has now been over a year since they stole my money. There has recently just been a single update in the matter : The Binance.US website deposit instructions error has been corrected. The exact same error that I had alerted them to, yet they refused to acknowledge, was fixed. So I proceeded to contact them yet again, and ask for my money, explaining the situation. Still, no acknowledgement or responsibility. I have plenty of screenshots of the site and conversations, before and after. I also have found other reports of this exact same issue from others on the internet. The way they responded gave me the impression that this was a very common occurrence and thus a very lucrative scheme of theirs. I am now hoping find an attorney who will take up this potential class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
These are medical debts and should have been covered through public aide/government insurance. I've disputed this plenty of times and this is the only thing on my report these XXXX companies. I attached screenshots of the companies from XXXX XXXX  and you will see XXXX different scores for some reason and they have changed the name or something because the XXXX is new but I remember seeing these amounts before and I disputed and it was gone but it's back now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

I HAVE MAILED IN LETTERS TO EXPERIAN, XXXX AND XXXX ON XX/XX/XXXX ASKING TO REMOVE ALLEGED DEBT REPORTING ON MY CREDIT REPORT. IT HAS BEEN OVER 30 DAYS AND THEY HAVE FAILED TO DO SO WHICH IS A VIOLATION OF MY RIGHTS

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 2023-06-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Around XX/XX/2023 I noticed that my card was charged multiple times without my knowledge or authorization. I spoke with the fraud department and let them know that my card was stolen and that I did not make the transactions on the account. A couple of the transactions were done out of the Country which I had not traveled out the country. The rep told me that they would credit my account and do their investigation. A few weeks later I received a letter stating that they did not find any errors and reversed the credit. On XX/XX/XXXX I called Navy federal and spoke with a different rep and she told me that I could put in for a 2nd review which I did. I asked them in my digital message to send me what they actually did for their review and that I am not liable for any charges that I did not do so I don't understand why they reversed the credit. A week later they reversed the credit again and now are saying that I am liable for all the charges. This is for my business credit card with Navy Federal credit union. I've been a customer with Navy for years and never had an issue. Total amount of charges {$24000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I made an online money transfer on wells fargo webiste, and the money {$5000.00} was from another bank linked. On XX/XX/XXXX, I got email next day saying it is a fraud. Then I called the fraud department, and verified everything and asked them to process the transfer. BUT, later I found out the transfer was canceled. I NEVER asked them to cancel it. BUT, wells fargo took the {$5000.00} from another bank even though they say it was canceled. Today is XX/XX/XXXX, the money is missing. Wells fargo took the money illegally and never return the money to my another bank, nor explain how they can help to deal with it. I am calling the fraud department now ; they say they can not help. The whole bank is a fraud and a joke. I need the money back and compensation. My time and moeny is wasted. Case Number : 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 2022-05-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

I HAVE MAILED IN LETTERS TO XXXX, EQUIFAX AND XXXX ON XX/XX/XXXX ASKING TO REMOVE ALLEGED DEBT REPORTING ON MY CREDIT REPORT. IT HAS BEEN OVER 30 DAYS AND THEY HAVE FAILED TO DO SO WHICH IS A VIOLATION OF MY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian has repeatedly refused me access to my report " ON LINE '' I was intentionally blocked. So I am going to continue file complaints, as I stated cfpb has also refused to assist me in getting Experian to do the right thing. But since everyone has violate fair credit reporting act and violated my bill of rights. I have reached out to someone is higher than exxperian as well as cfpb I just have to get them time for their investigation. Since my concerns and request is joke to both entity. I will patiently wait to augh later so continue to do what you'll been doing and that's unprofessional. And defrauding consumers this is only paper trail/evidence. XXXX : XXXX XXXX XXXX I DO NOT CONSENT TO ANY HIDDEN OR REVIVED CONTRACT ( S ) OR COMMERICAL AGREEMENT ( S ). I RESERVE ALL MY RIGHTS, ALL MY RIGHTS I RESERVE UCC 1-308 WITHOUT PREJUDICE 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 2018-07-17
Company: Account Resolution Corporation
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never contacted concerning this account and have no knowledge of this collection agency. In some cases disputes were added years after dates of service. I assumed it was paid by insurance after years of not hearing any information about these accounts. Had I known I would have paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Navient Solutions, LLC.
State: GA
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:
This company is horrible. My complaints are consistent with the lawsuit being filed. I constantly receive contradictory information from different representatives and have been constantly encouraged to enter forbearance periods. Every time I present my situation to a representative they have a different version of what is the best option for me though my situation and presentation of it has not changed. The ultimate response I always get is that " If I can't afford the payments I should enter forbearance until I can. '' This occurred even when I stated that I want to find a way to make payments. On multiple occasions representatives have hurried to get me off the line with promises that a coming email would explain things. Those emails ( on at least two separate occasions ) never came. When I finally convinced someone to walk me through the IBR plan and what to submit, I was told that everything was set and that my new payment would be $ XXXX/month beginning XX/XX/2019 and that an email would confirm that on the XX/XX/2019. I asked repeatedly if the company needed anything else from me and was told no. No email came and when I called today ( XX/XX/2019 ) I was told that my application was denied because they did not have proof of income. I told them they did and pulled up the document. They stated that I did not write the pay frequency on the stub. I informed the representative that I was told everything was good and that the paystub indicated clearly how often I get paid which is every two weeks. The representative agreed and stated that she could could see that, but that the company wanted a handwritten explanation on the stub itself and that I would have to resubmit the form. I asked to speak to a supervisor and was informed again that " the due could be extended '' or I could " enter forbearance '' if this was too much for me. I'm exhausted from dealing with this company. They are unclear, unfair and not about the well being of their customers. Their policies are confusing and inaccessible and their representatives constantly encourage options that ultimately cost consumers money. I'm filing this complaint because I want accountability. The student loan scene is all but a crisis in this country and someone should hold these companies accountable. Please contact me if you have further questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Upstart Holdings, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XX/XX/XXXX DMV suspended my drivers license for not having auto insurance on a vehicle that is not mine. 

My husband and I had this auto loan first with XXXX XXXX XXXX XXXX. My husband had that same car refinanced with Upstart Loans as the only owner. No co signer or a joint loan. 

Upstart paid XXXX XXXX XXXX XXXX on XX/XX/XXXX which reflects on my credit report. I have my own vehicle financed with my own finance company, and the loan is in my name only. I have full auto insurance for my vehicle, therefore my license should not be listed with the DMV by this company with my name. 

When the car was approve and refinanced by Upstart Loans, they should have updated the title with the owner of that loan. 

It appears Upstart falsified my name on this tag and tittle, due to the fact, I do not have a loan with them, and they do not have any correspondence showing a application, or my signature for his vehicle. This loan is not on my credit report, but listed on my husbands due to he is the owner. 

I was told by Upstart today, that this will take up to 2-3 weeks, therefore my drivers license is suspended on a vehicle I do not own. 

This is NOT LEGAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was damaged by a massive tornado and hail in XXXX. I have been very sick and out of work since XX/XX/XXXX. I used my mortgage payments to pay for removal of massive trees that were uprooted and thrown on my home due to safety concerns along with repairs to deck railings. The insurance company sent funds to mortgage company and mortgage company will not pay my arrearages nor will they return my funds to me to pay them. They keep giving me different stories and holding my funds. There are still Thousands of dollars in repairs to be done, but contractors will not even come out for estimates now because they know they will not get paid and they cant afford to wait 6 months for their money either. This is fraud on part of the mortgage and insurance company. 

Caliber loss draft department XXXX XXXX XXXX XXXX, oh. XXXX XXXX The insurance company also sent another check that I refuse to endorse, because my ex husband is no longer on the deed. They already put a stop payment on it. {$1700.00}. They want we to send it back to them????? 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection was placed on my XXXX & XXXX account by a Consumer Adjustment Company Incorporated who has not provided me with a verified debt, original documentation or even provided me with notice that they own the debt. The first I have heard of this company was on my credit report. The Company is stating they are collecting a debt on behalf of XXXX XXXX, but I've only ever own two memberships by XXXX XXXX and both are currently active. ( Please see attached documentation )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting 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 submitted three credit disputes with Experian for an account that is not mine ; all to no avail. 

XXXX XXXX incorrectly reported my fathers collection account to my credit report. After speaking to this creditor, they acknowledge that the debt is not mine and submitted request to the credit bureaus to have this removed from my credit report. ( Attached ) Experian has yet to act on this. 

I have submitted disputes, including a letter from the creditor stating this account should be removed from my credit, an experience continues to affirm the collection account as mine. 

The creditor has confirmed the account belongs to my father, because of the address and date of birth they have on file

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX account number # XXXX XXXX XXXX account numberXXXX XXXX account number # XXXXXXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX  account number # XXXX 15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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