BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-01-27
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: Account information incorrect

Complaint:
Experian is incorrectly reporting accounts that should not be on my personal credit report. Experian has refused to delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian is listing my business/estate information on my personal credit file. I have a XXXX Financing Statement filed with the State of Florida, XXXX numbers XXXX from the Internal Revenue Service and XXXX XXXX & XXXX XXXX XXXX XXXX the name attached to this personal credit file is business/estate related. I am a secured party creditor and control all rights to the name and accounts that should not be on this credit file that Experian has created. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are witnesses to the copyright infringement upon my business name ( s ) that are reflecting on my personal credit file and the defamation and inaccurate derogatory information contained there within that is negatively impacting me professionally and personally. I have contacted Experian on multiple occasions regarding this matter without resolution on XX/XX/XXXX by certified mail receipt # XXXX XXXX XXXX XXXX XXXX, return receipt and on XX/XX/XXXX by certified mail receipt # XXXX XXXX XXXX XXXX XXXX, return receipt. The derogatory information continues to report. I need the assistance of the Consumer Financial Protection Bureau to investigate this case. Thank you.

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 2023-01-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a XXXX XXXX XXXX XXXX my ex filed bankruptcy which included a boat we had financed. She maintained possession of said boat and it got repossessed. The bank auctioned it for XXXX 's on the dollar and then stole XXXX out of my bank account 6 years later stating that they didn't receive full payoff. 

# 1 - The boat was involved in a bankruptcy # 2 - It was 6 years ago # 3 - How can they just steal my money # 4 - I'm being as civil as possible but that won't last long At the end of the day, I need my money back IMMEDIATELY and I will take whatever action necessary. I'm a XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This WILL get dicey if I don't get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
For the past 48 hours Zelle has been rejecting every single law firm client of ours the ability to pay us as little as {$2500.00}. 

This is killing our business and jeopardizing our clients legal matters. 

Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Our PayPal account was charged {$39.00} on XX/XX/21 by someone unknown to us using my debit card number which was never on the PayPal account. We contacted our bank the charge was fraudulent and our money was restored to our account. 
We closed the PayPal account. On XX/XX/21 we were contacted by XXXX XXXX regarding the debt. They said they would send an email of the transaction that we never got. On XX/XX/21 we talked to XXXX XXXX at XXXX regarding this debt. On XX/XX/21 XXXX XXXX stated he would send as fraud to PayPal. Now we have gotten a collection letter from XXXX XXXX attempting to collect the same debt. These collection companies are harassing us by passing this fraud claim around in hopes of getting money they are not owed. 
Closed PayPal account # XXXX XXXX XXXX  account number XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06
Company: CL Holdings LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A previous debt for {$530.00} from XXXX XXXX  ( Financial ) that was removed from my credit after 8 years, was put back on my credit by Jefferson Capital System as a new account. The original debt was opened in XXXX and removed from my credit around XXXX. Jefferson Capital System put it back on my credit with different opening dates that listed from XX/XX/XXXX to XX/XX/XXXX. I've disputed it multiple times to have it removed, but each time I am told it is accurate. To my understanding, once a debt is removed ( original debt from XXXX ) can not be bought and reaged onto someone's credit again as if it is a new open account. In the last dispute I made, Jefferson Capital System updated the multiple dates they added with XXXX of XXXX, which is still not accurate because the debt is over 9 years old. I had not heard from XXXX XXXX regarding this debt, as it was over 8 years old and had been removed from my credituntil Jefferson Capital System put it back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Diversified Adjustment Service, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 : I switched phone service providers AFTER paying off the remaining amount of both of my phone payments. I was told by my current provider that I do not have to notify my old provider of the switch unless I had ongoing payments which I did not. 

XX/XX/2023 : I recieved a letter from a debt collection agency known as Diversified Adjustment Service, Inc.That I owed {$350.00} as of XXXX via mail. I was never contacted before this date for anything regarding an account with my previous phone service provider because my account closed when I switch providers XXXX. 

XX/XX/2023 : I sent a debt validation letter to Diversified Adjustment Service , Inc . Using the same address the debt letter was sent from and my letter was sent back. I attempted again with their corporate address with the same result. I do not plan to call them for their website states that calling them on the phone will be seen as an attempt to collect a debt and all information given will be used to do so. I was notified of the right to dispute the debt through them and I feel like that right is being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: McMichael Taylor Gray LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a judgment against the consumer myself was made without recognition of me bringing the fax to the table and the violation of my rights under the fdcpa the harassment and unfair debt collection practices that Michael Taylor Gray LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX has made against me has caused great harm damage and injury to my privacy and is a violation of my rights as a consumer On XX/XX/2023 I sent the company McMichael Taylor Gray LLC and the courthouse a cease and desist under usc 15 1692 which was not recognized by the debt collector or the court I also sent in a billing dispute affidavit of fact a affidavit of rescission a conditional acceptance a 1099 a and a 1099 b with everything certified mail and notarized all of them being certified informing the debt collector and the court as a natural person I know my rights under the fdcpa which was not recognized and has caused me great harm damage and injury to my personal well-being with all of these disputes the companies at hand did not answer any of my questions which pertain to USC 15 1692g ( a ) the amount of the debt the name of the creditor to whom the debt is old the validity of the debt verification of the debt and name and address of the original creditor none of the information that I asked of the company McMichael Taylor Gray LLC was answered in a lawful fashion and was not there for original transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Notice there was a unknown charge on my XXXX XXXX credit card in the amount of {$8000.00}. Make at XXXXXXXX XXXX XXXX, I call Navy Federal credit union to dispute charges and the denied the Claim.I havent been in XXXX Florida to make this purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: AES/PHEAA
State: CA
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 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 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase selected XXXX Appraisal to set a value on my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX in early XX/XX/2018. The appraiser failed to consult the entire XXXX XXXX XXXX and misinterpreted data on other transactions. The result was an erroneous calculation of {$310000.00}. The errors were thoroughly documented by XXXX XXXX of XXXX on XXXX. The correct value is {$330000.00} as documented by local professional realtors and the valuations of national real estate data bases. Despite all of this evidence on XXXX Chase arbitrarily rejected the correct value. This has compromised the potential resale value of our home by {$23000.00} and we demand restitution in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I don't think an investigation was done because there are two accounts that's still being reported that I have no knowledge of. I notified the credit reporting agencies that the creditors have yet to verify that the account is mine so how is it being reported? My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Attached is my XXXX data breach claim. I am asking for an investigation of the following accounts and the deletion of both from my credit report immediately : 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 2021-12-31
Company: SUNRISE CREDIT SERVICES, INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried several times to get Sunrise Credit Services to verify this debt is mine. I have never received a verification letter as requested and have tried disputing the information with XXXX, with no luck.

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 2021-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates, LLC is attempting to collect on 2 debt that are not owed and are a result of identity theft. I have attached the FTC identity theft report and fraud report to this as well. Further, they have violated US Code under the Fait Debt Collection Practices 15 USC 1692d ( 2 ), which the damages are not to exceed {$1000.00} ; and Under 18 USC 1028 ( a ) ( 1 ) ( 2 ) and there is not limit to actual damages for the violation of this crime.

I have attached documentation as a formal statement from the FTC. These penalties are per attempt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
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:
EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : 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 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 explanation
Consumer complaint received 2023-01-27
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a Health Savings Account ( HSA ) with Optum Bank , Inc., doing business under the name " Optum Financial ''. For the past XXXX  months, ever since I terminated mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, my account has been incurring a monthly " account maintenance fee '' which I did not agreed to. This fee did not and still does not appear on the fee schedule on Optum Financial 's website, either before I XXXX XXXX XXXXXXXX  or at any time thereafter, and I did not receive any notification about it by mail or e-mail.

I have contacted Optum numerous times about this issue, starting on XX/XX/XXXX when I first noticed the discrepancy. At first, they told me that the fee had previously been paid by XXXX, and that they started charging it to my account when I XXXX XXXX XXXX XXXX. I asked why this fee was deducted when the written schedule of fees doesn't authorize it, and they were unable to provide any justification. I was told that the discrepancy would be investigated, and I called back about XXXX times over the next XXXX weeks but was continually told that the investigation was still pending. The company repeatedly promised to call me back with updates but never did. 

Dates of my phone calls : * XX/XX/XXXX * XX/XX/XXXX ( XXXX calls ) * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX On XX/XX/XXXX, I spoke with an Optum Bank supervisor named " XXXX '' on a recorded phone call. She confirmed that Optum Bank was aware that the monthly maintenance fee was not included on the schedule of fees, but said that regardless, it would not be refunded because the maintenance fee was as-is. 

Please see the attached documents in support of this complaint : * Account statements showing the monthly maintenance fee ( charged aXXXX XXXX XXXXXXXX, XXXX times between XX/XX/XXXX and XX/XX/XXXX, totaling {$30.00} ) * The current " HSA Fee and Interest Schedule '' ( dated XX/XX/XXXX and still current as of XX/XX/XXXX, accessed via the Optum Financial website ) which does not show a maintenance fee * The " HSA XXXX  XXXX '' governing the account, which states that the " Schedule of Fees '' is the authoritative document governing fees that I owe ( unless XXXX notice is given ) l see highlighted sections on page XXXX XXXX XXXX XXXX * The XXXX XXXX consent policy '' stating that Optum Bank 's website is a legally recognized means of delivering the account agreement and fee schedule

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car loan doesnt belong to me what I mean is I didnt purchase the car. I had a family member living with me and when I would travel out of town on business they must have took my ID and information from out of my old pocket book in my closet. The car was brought online and when I found out about it I immediately had the car picked up from that family members new home they moved into. The car was brought in XX/XX/2019 I believe and I have tried working with Bridgecrest to have it removed from my credit to no avail. I didnt do a police report because I dont want the family member in jail she has XXXX small kids but I dont and shouldnt be held responsible because I dont have a police 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 explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: MN
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$500.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX  XXXX Balance Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$890.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$4800.00} ; XXXX XXXX  XXXX Balance Owed : {$27000.00} ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00}.

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
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: OH
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:
Experian and XXXX closed my disputes without proper investigation to verify accuracy of negative account balance and date delinquency began with creditor XXXXXXXX XXXX XXXX ( Experian account # XXXX ) ( XXXX account # XXXX ). I disputed both the balance owed ( {$24000.00} ) and date of last payment. I specifically requested both credit agencies obtain written debt verification to prove date of first delinquency from creditor, including a payment itemized statement and a transaction ledger starting with a zero running balance. I filed separate disputes with XXXX on XX/XX/XXXX and with Experian on XX/XX/XXXX. XXXX closed its dispute on XX/XX/XXXX. Experian closed its dispute on XX/XX/XXXX. I called both companies for explanation. Representatives said their systems did not show that the creditor ever supplied the requested written debt verification or payment ledgers to confirm the reported balance amount or date of first delinquency. Also, XXXX reports different information for this account. I recall making my last payment in late XXXX, which makes this account 7 years old and non-reportable by law. These credit agencies ' failures to complete adequate investigations violated my rights under the Fair Credit Reporting Act as follows : - consumer right to privacy, 15 U.S.C. 1681 Section 602A ; and - improper furnishing of consumer account information without my written instruction, 15 U.S.C. 1681 Section 604A2.

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