BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Arcon Credit Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Arcon Credit management has been reporting a fraudulently taken out over 7 years ago to my credit report. The loan is past Florida statute of limitations for reporting. I have reached out multiple times in regard to this claim and was told that they researched my claim and found I am responsible for the debt. There is no proof beyond some minor paperwork that states I owe this money to Arcon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: NV
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:
this is unbelievalbe who runs their credit 3 times for the same company? remove this now. this is not my inquiry No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX  Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlocked. 
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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 2020-10-12
Company: Experian Information Solutions 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:
The credit bureaus are still reporting inaccurate information on my credit report I contacted them once and they investigation didnt do nothing at 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 2023-09-10
Company: NAVY FEDERAL CREDIT UNION
State: WY
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 ordered an engine for {$1300.00} on XX/XX/2023 and from a company called XXXX XXXX XXXX order number ( XXXX ). The company had 14 days to ship the engine and exceeded that time frame. I never received the part and filed a dispute with my bank on XX/XX/2023. The company then said on the XXXX or XXXX they would process a full refund for {$1300.00} dollars in 3-5 business days. The funds were pending in my checking account for two days the XXXX and XXXX of XXXX and then the pending deposit disappeared from my account. Then the company said they would process the refund in three install payments for {$500.00}, {$500.00}, and {$350.00}. Thinking that the money was kicked back because the amount was too large. I still havent received a full refund. The company had an F on the XXXX website { XXXX  XXXX XXXX  } and I think they are trying to scam me and my financial institution Navy Federal Credit Union NFCU. I request immediate assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a FHA streamline refinance with Amerisave mortgage on XX/XX/2021. The rate and terms seemed good. They charged an upfront {$500.00} fee. 47 days into the process allot has come to light. 47 days for a streamline refi??? Another lender informed me that FHA does not allow for a refi until 3 consecutive payments have been made on a mortgage coming out of forbearance like mine had. I had completed a forbearance with current mortgage company in XXXX. No Payments were do in XXXX or XXXX That means when I applied with Amerisave I had only made one payment. Yet they still took the {$500.00}. All this was disclosed at the time of application. All this was disclosed during the process at different stages. Add in that I was switched to a new loan agent without even a notice. I only found out from an automated email asking to call if I wanted a mortgage. Loan processor indicated there was a debt to income problem for this FHA streamline refi. Even though income is not verified or considered. Original loan estimate said that about XXXX was needed to close. Today I was asked to verify XXXX in checking account. For what reason I have yet to know but I am assuming it is for closing. This has been an utter disaster. I am not sure if the loan agent was poorly trained or they take peoples {$500.00} no matter the case and then string them along till they go away. I have requested a refund. No answer as of yet

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For XXXX and XXXX it's shows that the account is past due 60 days in the amount of over {$1500.00} in which the vehicle was totaled in XX/XX/2023. I've disputed over and over to be told it's correct. XXXX XXXX paid over {$23000.00} on the account in XXXX didn't reflect on my credit at all, then XXXX paid the reminder in XXXX in the amount of over {$9000.00} yet it XXXX and this account is still negatively affecting my credit. My scores had dropped drastically and something has to be done immediately. I've worked hard to get and try to keep my credit good, I was planning to purchase a home before this incident in XXXX. This is ONLY thing that's affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
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:
This is my OTHER 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-21
Company: Paypal Holdings, Inc
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my account with PayPal was perminantley limited resulting in XXXX being held for 180 days. however that money is for my daughters medical treatment and need it released ASAP because this can result in my daughter loosing her life. I have tried asking if they will just let me withdraw my funds and they won't even allow that. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Someone got a hold of social and using it to try and get credit from different places and cars also trying to get account for credit, causing all kind of credit inquires on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Halsted Financial Services, LLC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Texts to family members and previous roommates never listed on any documentation addressing them with my name. Exact text : XXXX, pay your XXXX XXXX account your way. Make your choice at https : XXXX or call XXXX. This text is from Halsted Financial, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This XXXX  was disputed and removed from all three credit reporting agencies prior to XX/XX/2020, I checked my XXXX  report and this same account was re-added under another collection agency, nothing sent to me confirming the account which I had previously disputed and had removed because it did not belong to me. This should not be legal that a collection company can add a collection and not verify or send the consumer notification regarding a fake 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 2023-06-22
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 is missing that should be on the report

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-02-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In reference to a Charge-Off, Written-Off Amount, and Balance Amount appearing on my personal credit report for XXXX BANK XXXX XXXX XXXX I recently received notice in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX that a FORM OF ASSIGNMENT AND BILL OF SALE closing date occurred on XX/XX/XXXX. Which also acknowledged in the FORM OF ASSIGNMENT AND BILL OF SALE that the closing date for Pools shall be on or about XX/XX/XXXX. 

XXXX BANK XXXX XXXX continues to update and modify the Charge-Off, Written-Off Amount, and Balance Amount in violation of 15 U.S.C. 1681g. XXXX BANK XXXX XXXX continues to report a Charge-off, Written-Off Amount, and Balance Amount at the same time that would be inaccurate, false, and incorrect. While at the same time, XXXX XXXX XXXX alleges to be the owner of a FORM OF ASSIGNMENT AND BILL OF SALE closing date that occurred on XX/XX/XXXX. Yet, XXXX XXXX XXXX failed to validate how debt is owed by me to XXXX BANK XXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX fails to validate the specific form of assignment that carries the contractual agreement with it. 

I dispute that XXXX BANK XXXX XXXX is my original creditor and that XXXX BANK XXXX XXXX is my creditor past or present. I further dispute that XXXX XXXX XXXX is my creditor or current creditor and dispute that XXXX XXXX XXXX holds enforceable security interest to collect on a debt in their name as my creditor. XXXX XXXX XXXX is not my creditor and should be removed from my credit report as my creditor. 
XXXX XXXX XXXX failed to timely validate the debt that is alleged to be owed to XXXX BANK XXXX XXXX. XXXX XXXX XXXX has no right to collect any debt for this account from XXXX BANK XXXX XXXX that was transferred or sold. XXXX BANK XXXX XXXX through admission from XXXX XXXX XXXX of a FORM OF ASSIGNMENT AND BILL OF SALE has no right to report any such Balance Amount on my personal credit report. The Charge-off, Written-Off Amount, and Balance Amount are incorrect, inaccurate, and false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Bridgecrest Acceptance Corporation
State: OH
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 filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On Wednesday, XX/XX/XXXX my wallet was stolen in it were several cards, cash, miscellaneous recipts, membership cards. The person ( S ) who stole the wallet used the Capital One card at the XXXX XXXX XXXX location aroun XXXX EST, when I called Capital One they confirmed it was used ; and the charges showed up on XX/XX/XXXX. The capital one representative I spoke to told me they would be disputing the claim and will issue a new card ( Call 1 ~15 minutes ). 

On the card there were five charges totaling {$5100.00} on XX/XX/XXXX on the card ending XXXX. Detail of the amounts below XXXX  ) {$1400.00}. XXXX 2 ) {$650.00} XXXX ) {$1300.00} XXXX ) {$1400.00} XXXX ) {$280.00} It appears the reversal was done on the card ending with XXXX it appeared on my account individually for five transaction on XX/XX/XXXX. 

On XX/XX/XXXX, the amount was reversed of {$5.00}, XXXX then another {$5100.00} appeared on XX/XX/XXXX ; so the disputed amount now {$10.00}, XXXX across 10 amounts now because it was doubled for two. I contacted Capital One ( Call 2~15 minutes ) on XX/XX/XXXX and the representative indicated they would reverse it, I saw the reversal was applied for only 9 transactions. I still had a missing amount of {$1.00}, XXXX that did not get reversed. I contacted Capital One again on XX/XX/XXXX or XXXX ( Call 3 ~30 minutes spoke to supervisor ), they indicated they would reverse it and the reversal appeared on my account on XX/XX/XXXX. I see a charge back on my account on XX/XX/XXXX. I contact Capital One on XX/XX/XXXX ( Call 4 ~1. 5 hours spoke to 4 representatives ) told them of the issue nothing was resolved, the representative said they sent it to Fraud department for investigation. Contacted Capital One latter on that evening ( Call 5 ~45 minutes ), the representative stated they see the issues and would follow up, they were a supervisor and said they see the issue. 

On XX/XX/XXXX I see the amount of {$1400.00} was removed and added back to my account. This has to be esclated upwards I have not received resolve to my issue lingering on my account. Perhaps some government intervention will help. Its been over a month, it is clear to me Capital One specialists and systems are not equipped to handle a simple issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: AL
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 have been disputing a debt with experian on a XXXX XXXX XXXX account. I have disputed the item for several months and they have taken no action to remove the item from my credit report. Nothing about the account is reported correctly. I have even attached a letter from my attorney showing the debt was resolved. I want experian to remove the inaccurate account from my credit 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 2022-11-30
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I paid {$3700.00} dollars in exchange for an educational bootcamp. Upon entering said bootcamp I found no resources and plagiarized content which I couldn't use, leaving advertised services un-rendered. After coming to that realization, I then asked for a withdrawal from the program with a refund. I was then met with hostility and was told that I should promote said services even though I didn't receive them, and that not helping was the equivalent of calling her a " XXXX ''. As one would an assume, an uproar followed, questioning her on the response and logic behind it. She then deleted all communication channels in the discord, and called me personally to dis-enroll to which I agreed contingent only on my refund to which she agreed. I was then notified with a fake receipt and invoice number. I then contacted the assumed billing department by the name of stripe billing. They explained to me that the information provided did not exist in their system. I then contacted the merchant back asking for the proper information to track said refund. the merchant falsified resources and accreditation on all levels. I have not been notified or updated in any way since this request. I am XXXX of XXXX of people who are now victims of fraud. This is being reported with the intention of further legal action. She has done this to hundreds of us and is now sending cease and desist threats that are poorly written to attempt to scare students into silence. There are articles on this as well as recorded spaces XXXX videos. I then submitted a XXXX disputes, XXXX being # XXXX and the other being XXXX to Chime XXXX XXXX ), XXXX was on my chime credit card and the other was on my debit card and within less than XXXX hours both disputes had been denied stating how no billing error occurred, not only is this not relevant its also inaccurate, this is a FRAUD claim and there is absolutely no way due diligence or proper review was done in less than XXXX hours. I sent ample amounts of proof. Documents, articles, and screenshots, there is no way this should've been denied. This is obviously a ploy to keep people from retrieving DESERVED compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently pulled my credit report and noticed damaging information that should not be on my credit report such as unknown inquiries, and improper late payments.

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