BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi, On XX/XX/2017 Bank of America send a wire transfer on my behalf in the amount of {$11000.00} to XXXX XXXX, a bank in XXXX. The recipient name in XXXX is XXXX XXXX. I spoke with XXXX XXXX on numerous occasions and he said that the money has not been received since XX/XX/XXXX of last year. I then asked Bank of America to recall the money since XX/XX/2017 and they have not been able to retrieve the money from XXXX XXXX in XXXX. The Case # at Bank of America is XXXX. I have exhausted every avenue in trying to get the money refunded back to my account since XX/XX/XXXX of last year. I spoke with a representative at Bank of America, they said the money was first send to XXXX XXXX, then to XXXX XXXX in XXXX. The recipient said he never received the money. So who has the money,, XXXX XXXX or XXXX XXXX? This is a huge some amount of money and I can not afford to loose it. Please help me retrieve the money. 

Thanks for your help.

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 2023-11-30
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent the following letter to the collection agency on XX/XX/XXXX - Notification received shows " As of XX/XX/XXXX, you owe {$630.00} with interest of {$47.00}. '' I responded, " I want to dispute this debt because I think this is not my debt. '' XX/XX/XXXX - Notification received states in receipt of your inquiry in which I requested validation of the debt, an itemized statement is attached. It includes the name the facility that provided the service, the amount charged and an itemization of the charges. This statement did NOT provide validation it's my debt. As I responded on XX/XX/XXXX, the document shows, " XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ '' ; which I have never been to that facility. The document shows a total amount of {$630.00} and I already stated repeatedly I have no medical bills for that amount nor do I recognize it. The document shows an itemization of the charges stating, " Emergency department visit for the evaluation and management of a patient. '' which does not provide any clarification what this bill/debt is actually for. 

This is NOT my debt and now they filed a nagative report on my credit and made up the amount so it could be reported. I have NO medical debt and haven't been to any doctors or emergency rooms in years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: NC
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:
There are two fraudulent accounts from this company on my credit file, which needs to be blocked immediately, according to FCRA and USC 1028A of the constitution. I have contacted the company numerous of times, but the company did not respond via mail nor electronic medium. The fraudulent account which is listed on my report includes : Account Name : XXXX. XXXX  XXXX XXXX, ACCOUNT # : XXXX, DATE OPENED : XX/XX/XXXX, XXXX ACCOUNT IS : ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/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 2019-06-26
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 I submitted a complaint to Navient that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from Navient stating that I was in derferment/forebearance. Navient rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The Navient rep I spoke to ( XXXX XXXX ) stated that Navient is not required to follow FTC advisories. I have attached the email correspondences along with my statement from navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: World Acceptance Corporation
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Experian XXXX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.

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 2023-12-02
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
A provision in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act allows borrowers who made payments during the forbearance period to request a refund. Any and all payments made since XX/XX/XXXX, were eligible to be refunded. 

On XX/XX/XXXX, I called my loan servicer XXXX and requested that all student loan payments I made since XXXX ( XX/XX/XXXX - XX/XX/XXXX ) in the amount of {$3600.00} be reimbursed to me in the form of a mailed check. When asked how long it would take for me to receive my check I was told XXXX days. I since called XXXX additional times to confirm the timeline and was told XXXX days both times. 

It has now been 100 days and I have still not received my money. However, on the exact day that I initiated the request ( XX/XX/XXXX ) they had no problem adjusting my balance an additional {$3600.00} allowing it to collect interest. I was told XXXX days. Anything over that I feel is a hardship on me, as they get to collect interest while I still don't even have the money that they are billing me interest on.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have requested multiple times from midland credit collections company detailed itemized list of the charges they are saying I owe. I am in disagreement of the amount on both as I was working with a repayment company. They have not responded and it has impacted my credit score for years, I turn, I have had to pay higher interest rates because of their false unverified reporting. 

I want the collections removed from my credit profile asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-21
Company: EQUIFAX, INC.
State: NC
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:
A thief stole my identity, created checks, and used my ssn without me knowing for years. 
You must delete everything XXXX XXXX have more proof of the stolen and fruad activity This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: GA
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 XXXX I paid off two accounts that had never been late. As a result, Equifax decreased my credit score by 62 points while XXXX  and XXXX  only decreased by 6 points. This negative impact by being a good consumer made it difficult for me to get a good interest rate on a major purchase for my business. It is difficult to understand as a consumer why there is such a huge disparity in the adjustments. If the ideology is for consumers to maintain good credit and pay off your debt, why are you negatively impacted by doing so? For four years all payments were on time and subsequently the loan was paid off. However, we do not want you to be able to obtain new credit, a home, or other financial strength so we are going to negatively impact your score as a result! How does this make sense to consumers? It seems as if the real ideology is for Americans to stay in debt always keeping an account open. I think credit bureaus should be better monitored and reporting standards should be the same across all 3 bureaus. This is unfair and poorly regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: LEXISNEXIS
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:
XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is a follow-up response to my previous complaint on one of my American Express Cards . American Express didn't address my second credit ( ending in XXXX ) SCRA benefit properly which my complaint was primarily filed against - there was a balance of {$940.00} that they saw and overlooked on XXXX XX/XX/2023 that was paid on after my orders started on XXXX XX/XX/2023 so they're reporting inaccurate information to CFPB. I have the statement ( see attached ) that they conveniently left it out in their response but they put in the statement for the first credit card - there was a balance that was subject to SCRA before my orders started. Please look into this. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} ; XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-11-30
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My account is missing payments that were mailed in on XX/XX/23 and XX/XX/23, but these checks were cashed. I had a " Past Due '' balance because they haven't posted these payments to my account but have clearly taken my money. 

With the interest that quickly accrues on these loans, it is absolutely unacceptable for any delay in processing payments and posting them to our accounts. I NEVER experienced an issue like this with my previous provider, Great Lakes. 

I waited for over an HOUR on the phone for someone to tell me they're having delayed processing times. Again, this is unacceptable. This provider should not be allowed to conduct business if they can not handle the volume of borrowers ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted this company is XXXX and this company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. However, you also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop. RMEOVE THESE ACCOUNTS IMMEDIATELY!!!

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 2023-11-30
Company: VW Credit
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I wanted to change which bank account VW Credit billed for my car lease. According to their website, the way to do this is to cancel and reinstate auto payment. On XX/XX/XXXX, I cancelled my auto payment on their website. The website informed me that I would not be charged for my typical auto payment on XX/XX/XXXX and that I would need to make a one-time payment to meet that due date. As such, I immediately scheduled a one-time payment of {$820.00} to be charged from the new bank account on XX/XX/XXXX. 

On XX/XX/XXXX, I found that VW Credit had charged both of my banks for {$820.00}, each, resulting in a total of {$1600.00} being charged. I called VW Credit to demand that they refund one of the charges of {$820.00}. The representative, XXXX, told me that their refund process took 20 days and so I may as well let them keep the money. I insisted that XXXX initiate the refund process anyways. 

20 days is a ridiculous amount of time for VW Credit to hold on to money that they charged based on a false pretense, and particularly such a large sum. Their behavior leads one to believe that this isn't merely a mistake, but a deliberate, fraudulent scheme, with elements designed to discourage consumers from seeking redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: ALCHRO INC.
State: GA
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:
15 USC 1681 Section 602 A States that I have the right to privacy 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Untimely response
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: GA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-07-22
Company: JPMORGAN CHASE & CO.
State: NE
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 applied for an auto loan on XX/XX/XXXX with JPMCB Auto Finance and they were authorized to pull my credit with that application. I obtained a loan XX/XX/XXXX On XX/XX/XXXX JPMCB Auto Finance pulled my credit again as a Hard Inquiry. They did not have permissable purpose and this access to my credit is Unauthorized. 

I called JPMCB on XXXX separate occasions over the past XXXX months and they have not removed the unauthorized inquiry. 

JPMCB Auto Finance XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX See page XXXX Regular Inquires of the attached credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I revoked ACH authorization from XXXX which was confirmed on XX/XX/XXXXXXXX  and they still charged me for {$65.00} on XX/XX/XXXX. They said they can not refund me after acknowledging that I revoked ACH and have since cut off communication with me. I reached out to my bank, Chime, and had a stop payment placed on XX/XX/XXXX as well and they still processed the payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation