BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX my mortgage was sold by current mortgage company to another mortgage company. This caused my credit score to go down. I contacted experian to ask why and I was told it is because of algorythms or something like that. Three months later I found out my new mortgage company is not reporting my mortgage payments. Experian credit reporting said give it a few more months. On XX/XX/XXXX I recieved an email from Experian credit reporting saying my credit score has dropped 17 points with no explanation at all for the reason. BUT if I would like to pay money to find out I can. I have tried to contact Experian numerous times and the phone number will only let you talk to a machine who will not allow you to talk to a real person. Experian has made it impossible to talk to a real person and this has been going on for years. Is Experian broke and they can not afford to hire any real people? Since giving up on trying to contact Experian I have found out the reason for my credit score dropping 17 points is because my mortgage company who purchased my mortgage is now reporting as a new mortgage. This is obsene and pure and simply rediculous. I have been living in my current home for 18 years and making my mortgage payments for 18 years. If mortgage companies are going to sell and purchase current mortgages they should report appropriately and a home owners credit score should not be affected IN ANY WAY. Obviously algorythms or whatever it is called should be removed from any portion of decision making. Peoples credit scores affect every portion of a person life. If credit reporting agencies can not report correctly they should be stopped by the federal government and not allowed to report credit scores or credit reports. Experian has been having problems for many years with getting their act together but they just can not seem to do it.

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 2021-12-09
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
A rule by the Office of the Comptroller of the Currency ( OCC ), the regulator of the nations largest banks, effective last XXXX protects these predatory lending rent-a-bank schemes and overturn centuries of caselaw allowing courts to look beyond ruses to the truth. In Virginia, The measure caps the interest and fees that may be charged under a short-term loan at an annual rate of 36 percent, plus a maintenance fee ; increases the maximum amount of such loans from {$500.00} to {$2500.00} ; and sets the duration of such loans at a minimum of four months, subject to exceptions, and a maximum of 24 months. Short-term loan licensees are required to make a reasonable attempt to verify a borrower 's income and may not collect fees and charges that exceed 50 percent of the original loan amount if such amount is equal to or less than {$1500.00} and 60 percent of the original loan amount if such amount is greater than {$1500.00}. The measure amends the requirements for motor vehicle title loans, including requiring licensed lenders to use a database to determine a prospective borrower 's eligibility for a loan and prohibiting loans to a borrower who has an outstanding short-term loan. The measure sets a 36-percent annual interest rate cap on open-end credit plans and allows a {$50.00} annual participation fee. A violation of these provisions is made a prohibited practice under the Virginia Consumer Protection Act. I would like Netcredit removed from my credit report for violating the Virginia Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXBalance : {$87.00} XXXX XXXX  Balance : {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX****-Balance {$XXXX} XXXX XXXX***-Balance XXXX XXXX***-Balance {XXXX XXXXBalance {XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a saving account at CHASE bank that I didn't move for about about 9 years and this is what happened when I went to get my money at the bank in XXXX XXXX, CA XXXX on XX/XX/2023 : - XXXX XXXX told me the account was closed because all money was taken from my account and also because there was some false checks deposited on that account. I asked her to help to do a claim, the claim number XXXX & after 10 days they was going to give information about the account by E-mail. 

XX/XX/XXXX I returned to see for any result since I didn't get info by E-mail. 
XXXX XXXX XXXX first told me : 1 - CHASE decided to close the account since there was no movements for 60 days 2- CHASE took the decision to closed the account because it was in XXXX  and then it was in negative around XXXX XXXX. 
3- CHASE Advised that account was going to be closed but there is no evidence of this. 
4 They give me a letter that they investigate and will not give my money back. There was about XXXX XXXX  & CHASE mentioned about XXXX XXXX  on last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Navy Federal Credit Union is obligated per the XXXX to provide proper accounting. Consumer has disputed the validity of the debt and requested proper documentary evidence of the accounting such as the journal of debits and credits, promissory note, security agreement and disclosures according to billing error procedures in XXXX2 CFR 1026.13. Consumer extended credit card information, per 15 USC 1602 ( l ), and provided a promissory note in the amount of {$79000.00} to cover the obligation in question, per 12 USC 1813 ( l ). Consumer was also charged a daily interest rate, which goes against XXXX. In retaliation for the dispute, they have charged off my account, made numerous threats of repossession and shared my personal information without my consent to third party non-affiliates, thus damaging my character and reputation. My personal information was shared with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX without my consent. Navy Federal Credit Union has XXXX XXXX to provide me the required documentary evidence according to 12 CFR 1026.13. I will be filing form XXXX treasury to audit the consumers account. Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: LEXISNEXIS
State: AZ
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! XXXXDEPT OF ED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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 have a auto loan with XXXX XXXX XXXX XXXX. XXXX XXXX I submitted a payment on my vehicle loan. Which stated it would post the next day. XX/XX/2022. Thats staying ahead of my date of XX/XX/XXXX XXXX that would have made my payment 30 days late. I get a notification from my credit monitoring service that my score dropped XXXX points. I looked into the report. To find XXXX XXXX reported a 30 day late payment. Which was false because I paid it on XX/XX/XXXX. Which was 6 days before. They told me the funds did not hit the account until the XXXX. And the only go by when the funds hit the account. Ive been with the bank over a year and payment always hit next day. But even if thats the route they wanted to go. They told me they reported on the XX/XX/XXXX which was the XXXX day. So no matter how you put it. 29 days isnt 30 days. I have the documents proving the payment dates, due date and posting date. Credit bureau and Creditor refuse to acknowledge the facts

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 2022-10-06
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Aldous & Associates, PLLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is not my debt, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I retired XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX During this period of time that this debt was established and my identity was stolen which has been filed with the FTC and reported to the Credit Bureaus and several of the Creditors have accepted my paperwork which is from the XXXX XXXX XXXX XXXX This Credit collection company never contacted me by mail or phone and when I found out through my credit report monitoring I immediately reached out to the company and they were rude and laughed at me and said oh well and by law they do not nee to accept my fraudulent claim by phone or word of mouth Verbally. This is detrimental to my life as I'm attempting to buy a home XXXX XXXX XXXXXXXX XXXX XXXX XXXX to accommodate my family XXXX XXXXXXXX this is not my debt and I beg to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items listed in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} 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 2021-11-22
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I opened up an account with XXXX design with Synchrony Bank XXXX XX/XX/2021 my limit was {$3000.00} dollars and I paid a lump sum of the that amount leaving me with a bill {$530.00} they then decrease my limit just a few dollars above my balance to XXXX XXXX.Then without notice to me and all my payments were on time my credit score actually went up since I applied for credit from them now my credit score dropped XXXX points because they have reported Im using 94 % of my credit limit which is wrong they change my limit for no reason explained to me at all. This company unethical behavior has hurt several familys and there are many reviews and complaints from consumers as myself. This here is unfair to all

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 2023-04-14
Company: HoldCo LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  I been scammed by unscrupulous people, they took advantage of my willingness, they call me saying they were from XXXX and that someone took controll of my identity, that they have all my informations, that I can lose evrything my savings even my house. This criminals took over my phone and they told me if I don't do what they said I will lose everything, so they did transfers in my bank account from the savings to my checking and told me that I have to take cash $ XXXX and deposit in defferent ATM, {$15.00} in Bitcoin Depot and an other {$15.00} Bitcoin of America. they didn't let me received or makes call, I was so scary and stupid how I believe this criminal, that was the worst day of my life, that caused me a lot a financial and emotional problem, I am in therapy at the moment for very severe XXXX. 
I complain to the FBI and the local police, also I send Bitcoin Depot 2 letter with all the proofs, XX/XX/2023 and XX/XX/2023, they answer was nothing they can do about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I've had my debit card frozen on multiple occasions since opening my checking account. I have also had to pay many overdraft fees on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have a Chase Sapphire Reserve credit card ( Chase Card Account Number : XXXX XXXX XXXX XXXX ) and it comes with travel insurance on purchase made through the card XXXX including trough Chase points redeemed through the card. I had a trip that was canceled due to COVID, which was an insured scenario. The Chase travel insurance approved the claim but did not pay the full claim. The claim was for two items : 1. XXXX XXXXXXXX XXXX  on XXXX for {$100.00} 2. XXXX XXXX  on XXXX for {$100.00} So the total should be {$100.00} + {$100.00} = {$210.00}. 

The Chase Sapphire Reserve insurance sent me check number XXXX dated XX/XX/XXXX for {$100.00}, but they continue to not pay the other {$100.00} that had the exact same cancelation and that has the same Chase Travel supplier. 

The Travel Insurance Claim Number is XXXX through their XXXX  system. I filed that claim on XX/XX/XXXX. I provided the requested " No Refund Policies and Cancellations '' document on XX/XX/XXXX. The Chase Travel Insurance then asked again for the refund policy and I provided it again on XX/XX/XXXX. The Chase Travel Insurance claims called me on XX/XX/XXXX saying they are still trying to confirm that I won't be getting a refund from the travel provider. I explained to the nice customer service representative that I have provided the refund policy twice now, and that the purchase was through Chase and I talked with Chase to get the refund policy, which I most recently submitted again on XX/XX/XXXX, and that there is no more refund policy that I can get. They said they would see if they can check with a manager. Six days later ( as of XX/XX/XXXX ) I have heard nothing. It is now 2 months since I have initially filed this claim, the claim was clearly approved because I got a check for partial payment, but I don't know why Chase refuses to pay out the remaining {$100.00} for this claim. 

It appears to me that Chase Travel Insurance wants to create so much friction for consumers that the consumer will just give up and not complain about the Chase Sapphire Reserve card not really paying the travel insurance benefit. It's pretty disappointing considering the Chase Sapphire Reserve card has a {$550.00} annual fee. It feels fraudulent that they would charge so much for benefits and yet make it almost impossible to use the benefits. I am a life-long Chase customer and I've never seen this kind of hassle using their products, so it has been a surprise. I feel like there's no other recourse than to open a CFPB complaint so that regulators can see that there are multiple people having trouble with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My federal  student loans were transferred from XXXX XXXX XXXX NELNETXXXX XXXXXXXX instead of showing the original XXXX XXXX  accounts as closed, just doubled my student loan amount instead and added the NELNET accounts without closing the original XXXX XXXX  Accounts. I attempted to dispute this information on XX/XX/2023 with XXXX but they did not change the information to accurately reflect the account status after investigation. All of my other credit reports are properly showing my true student loan balance, and my former federal  government loan provider ( XXXX XXXX  ) has told me theres nothing they can do to update XXXX again. 

Confirmation # of Dispute filed with XXXX about duplicate amounts showing on federal loans : XXXX

Company response to consumer: Closed with explanation