BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NJ
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2021-08-26
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hi, I want to fill a complaint to PNC Bank for a car repossession process. This bank started reaching out to me through a collectors number, where they asked me for my social security without explaining reasons for me to provide such delicate information. 

After calling the bank myself, I was informed I owed payments for my new car loan, however, as I never received an email or official communication from the bank, I did not have any information on my account, status of my mortgage, or anything. 

When talking to the bank, I requested to have access to my account, for which they said they were going to send me a mail, where I could log in and have access and visibility. 

A few days later, before I received any formal letter communication that they mentioned they would send, my car got repossessed and towed. 

Now the PNC Bank is asking me to pay XXXX in fees for repossession, and also the towing company fee which is of more than XXXX dollars. Moreovoer, they are asking me to pay the full amount owed ( XXXX dollars ) cash at their bank, they do not accept any other type of payment. to be forced to pay cash a process like this looks like a scam. 

Im complaining because this is a very unhealthy and unfair process as a customer. I have the money to pay, but I never received any official information from the bank, now im in this situation with my car towed and the bank states they have tried to reach out, even though I was asking them for formal mail communication and access, which they never did. 

I hope this serves to help us, the people of the state, to have processes that are transparent and that do not play against us and benefit the banks. This inefficient process and communication, where customers have cero visibility or formal communications, serves to benefit PNC Bank, and is leaving me without car without any notice, paying a ridiculous fee amount in cash to the bank, still without any documentation or access from the bank regarding my account, and now affecting my credit with this repossession while the bank is lucrating from it and obtaining cash money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/ I called Chase to inquire about a transaction fee. They said it was for a cash advance. I was unaware that I had done a cash advance. They said that the cash advance would be charged a daily interest rate, I asked if I could pay it off today stop the accrual of interest. They said the interest would continue to accrue daily until the statement closed. They transfered me to a supervisor. That person said the same thing and said there was nothing I could do to stop the interest. I said that seemed predatory and she said please hold and without explanation or pause put me on hold. I was on hold for over an hour and no one came back. I called from another phone and spoke with another supervisor. He told me that the first person was partly incorrect and that if I paid the minimum balance, plus the cash advance amount plus the fee i could stop the interest. ( because for some reason the fee is also charged interest?? ) But he said that when the interest amount gets posted on my next statement that is also charged interest. and then that amount would be charged interst and so on. That seems extremely predatory. There were two transactions. One for {$20.00} and one for {$100.00}, each with their own {$10.00} fee. The perpetual interest on such a small transaction is predatory regardless of which representative was right. Its unconsconsounable. 

As a customer service complaint, I was still on hold with the original call when I finally get off the phone with the second representative. On hold for well over an hour with no human coming back to even say they were looking into something. I asked the second represenatative if he could look into his system and tell me the name of the person I was speaking to and put me on hold. He said he could not do that. I find it extremly hard to believe that they can't see who put notes into a persons account in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: Maximus Education, LLC dba Aidvantage
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nearly a month ago I requested a refund for payments made towards my student loans during Covid. 

I have spoken to Aidvantage and they have not moved forward in regards to getting the refund issued. I have no updates, only that it is still processing. 

I was told initially that it would take approximately 4 weeks for the refund to be issued, and I am no closer today than I was a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: DE
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:
Subject : ACC XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to XXXX  XXXX Equifax and XXXX  in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and AFNI INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX  Acct # XXXX I've attached the screenshots of my mortgage account report from the major credit bureaus, PROVING that XXXX is reporting erroneous, inaccurate & illegal information to my credit file. XXXX is reporting : 1. That a Foreclosure was INITIATED AS OF XX/XX/2022. 
2. My account status was reported as CLOSED, as of XX/XX/2022. XXXX. My account was reported as Flagged for a Bank Adjustment/Deed-in-Lieu/Bank Liquidation . 
I applied for the DC HAF program before XXXX XXXX XXXX, therefore I am protected INDEFINITELY, until DC HAF processes & approves my application for assistance. 
There is a Mortgage/Foreclosure Moratorium in place, by the Law : D.C. ACT 24-508. This Law PREVENTS ALL institutions from initiating or filing a foreclosure. So, reporting that is dishonest, erroneous, inaccurate & illegal! 
I occupy & will be keeping my home. It is an XXXX account. Reporting it closed is dishonest, erroneous, inaccurate & illegal!

There has never been a Bank Adjustment/Deed-in-Lieu/Bank Liquidation for my home . This is erroneous, dishonest & inaccurate.

This is harassment, threatening & bullying me as a consumer that was affected by not being able to work, due to the shutdown of my job, because of the pandemic. XXXX continues to make erroneous, inaccurate & illegal statuses on my credit files, although they are quite aware that I applied for the DC HAF program before the XX/XX/XXXX cut off date. 
Reporting an account to the credit bureaus is a CHOICE. Purposely Reporting erroneous information to the credit bureaus is a crime!

I would greatly appreciate it if you would view the attachments and make the appropriate corrections to all of my credit files. Everytime you all commit these crimes, I will disputre them and continue my paper trail.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: OH
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) has violated my rights : 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

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 2023-08-24
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company placed a debt on my credit this month they stated I opened an account with the XXXX XXXX which is false. They stated I opened the account in XX/XX/2023 which is flat out not true. This is fraud and the company just made up fabricated information. I have included this information in the police report I made last week. They are reporting someone else debt to my credit report which is in violation of FCRA.

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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Subject : ACC **XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to Transunion XXXX XXXX  and XXXX  in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 data was involved in various data breaches, XXXX Data Breach, Transunion Data Breach, and XXXX Data Breach. I have a number of unauthorized, inaccurate, and imcomplete accounts on my credit report that are hurting my reputation with the banking system. I am looking to get a mortgage very soon and these unauthorized and inaccurate accounts are hurting my chances. I did not consent to any of the unauthorized accounts or inquiries. This is unfair and inaccurate reporting that must be fixed immediately. I demand that you remove all inaccurate accounts immediately. Ive mailed in disputes more than a month ago and I still havent been responded too by the Transunion XXXX or 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 2023-06-14
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company Credence Resource management is harassing me about a collection from 7 years ago from XXXX. They have never sent me a detailed bill but 7 years ago i turner in the equipment when i switched services and any remainder should have been paid by XXXX XXXX. Please help me to get this collection removed from my report. They've just now put it on my report. How can this be legal after 7 years?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: WELLS FARGO & COMPANY
State: DE
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:
Subject : ACC XXXX - Disputing Information in Credit Report Dear WELLS FARGO XXXX I am writing to dispute the information Wells Fargo has supplied to XXXX  XXXX XXXX and XXXX in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.

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 2021-08-25
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: AXOS FINANCIAL, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX my wallet was missing with my card that was use in it when I got Home and login on the app I saw that my card was use and {$400.00} was withdrawn 6 times I contacted the bank right away and told them about it I report it to the local police department here and filed a police report they started an investigation I give them information of the place I was at the time of the incident the bank to me they was going to get back to me but I never hear from them not even to call and question me about it I call them many times but customers service will tell me fraud department will contact me which they never did after almost a month they send me a littler saying my claim was denied I try to talk with them on the phone but it was never possible the police said they saw the person and the location but the camera on the ATM wasnt clear to identify the person so case close I ask the bank to reopen the case they said ok on the phone since its all online and I cant go there in person and I told them it been more than a month since I havent got a single call from them after they open the case which has been since XXXX I still havent got a phone call from them or a litter i been calling all they been telling me is that fraud department will call you and they havent I have not gotten a single call from them since XXXX when I told them about my card been use my someone other than me they also said that my card pin wasnt changed so how the person use it i dont know and they couldnt explain it to me either because no one knows my pin and my pin was not displayed anywhere on my card or in my wallet and I was along at the time when my wallet got lose Im tired calling them and they recently told me no one was working on my case but it was just sitting there so I had it with them I been patient it been 4 months now and Im tired so I bring it to you I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My bank notified me about a change in my credit score on XX/XX/2023. Upon accessing my report, a collection for {$1600.00} was reported on the same day by Paramount Recovery XXXX for " seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The date listed for the account status is XX/XX/2023. The creditor is XXXX XXXX something or the other, and the collection agency is Paramount Recovery Systems. I have never heard of or received communication from these entities. I have never received a medical bill for that amount. I have health insurance and pay my co-pay every visit. The collection has been reported to all three credit bureaus and have affected my credit score. I filed two XXXX complaints and received no response. I filed disputes with the three credit bureaus on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Personal information incorrect

Complaint:
On XXXX XXXX XXXX XXXX XXXX  I have been contacting Experian about the inaccuracy of my personal information ( My name and address that I never lived at ) on my consumer report since XX/XX/XXXX I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website and it has still have not been deleted and I have never received and updated version of my consumer report with these deletions since my earlier disputes also please remove/delete all job information as well off my report I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed also all of the errors are highlighted in yellow in the file attached to this complaint.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXX. Please correct and update ASAP.

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