BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: National Credit Adjusters, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC report had been filed, they will be attach 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 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: DISCOVER BANK
State: NM
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, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681section 604 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 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. 

DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXXXXXX   I was emailed and called about a loan I was approved for with XXXX. Little did I know, I was at the beginning of a scam. The fraudsters contacted me via email, and then by phone saying I was approved for the loan. I was excited that I was approved and would be able to pay some things off! Well, things escalated quickly as I was actually speaking to fraudsters who then within minutes deposited 5-6 fraudulent checks into my account! They then told me I had to send the money back immediately to them via XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a " known '' scam that I did not know about. I knew something was not right at the first deposit. I was told They had to do this verification process and then the loan would be the next deposit. I then told them I did not want to proceed nor did I want to take the loan! They kept depositing into my account after I told them that. I felt nervous and in the text messages to them I let them know to STOP depositing funds and I did not want to keep sending them back to MULTIPLE XXXX accounts. Please see the attached emails and text thread. I was threatened over the phone that I would be out of thousands of $ if I did not send the funds back. I was terrified, all I was thinking was that I have to get this money back to them and be done or I would " reap the consequences ''. It wasn't until 3 or so hours later that I knew the only way to get this to be over was to call my bank, USAA. I called to make a fraud claim immediately, and a dispute as well all on XXXX On Friday XXXX even after submitting supporting documents, I was told that I was responsible for the {$3800.00} that my account was in the negative in. The USAA Fraud department ruled this in their favor and not mine because initiated the XXXX and XXXX XXXX  transactions. I am not scammed out of almost {$4000.00} dollars. PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Investigation took more than 30 days

Complaint:
Requested Method of verification from original creditor and credit reporting agencies. They failed to send back documentation within 30 days. The only thing I received was letters from creditors and all three bureaus saying the debt was verified. These are not accurate accounts and need to be deleted from my credit files as they are being reported inaccurately and violate the FCRA as well as my consumer rights due to defamation. I also sent documentation to support I was a victim of ID theft and was a part of several data breaches and hacks exposing my social and personal info that was used by an unauthorized person to open accounts in my name an FTC report was filed recently to verify this info.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX credit is reporting A fraudulent account also with a pass to balance also as charge off XXXX. Also XXXX XXXX is reporting A fraudulent account I have submit police report affidavit to the credit bureaus and is still not fix the problem or corrected it which is a violation of the fair credit acc.

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX loan servicing took over loan # XXXX XX/XX/2020, and reported the loan 30 days delinquent as of XX/XX/2020 to TRANSUNION. Which violates the 60 day RESPA period. I disputed this with XXXX without resolution, then I disputed the report with TransUnion without resolution.

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 2023-06-02
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 fraud alerts or security freezes

Complaint:
I am writing to bring a particular issue to your attention that I have been facing with the Credit Bureaus. I am an XXXX  individual and have been having a hard time getting a fraud alert removed from my account. 

The issue began on sometime last year. I noticed the fraud alert on my account. Since then, I have been attempting to get the fraud alert removed. 

In XXXX of this year, I contacted the customer service department of my financial institution and explained the situation. I was told that the alert would be removed within ASAP, however, the alert still remains. I have made several subsequent attempts to resolve this issue with the company, reaching out via phone and mail, but to no avail. 

I would like to mention that under the Fair Credit Reporting Act ( FCRA ), I am entitled to have complete and accurate information in my credit report. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) allows me to place and remove fraud alerts, which I have found to be a difficult process with my current financial institution. 

The continued presence of this fraud alert has caused me significant inconvenience and has limited my ability to manage my finances effectively. It has also caused undue stress and XXXX, as I am unsure about the status and security of my account. 

I am hoping the CFPB can assist me in resolving this issue by working with the credit bureau to remove the fraud alert from my account. Your assistance in this matter would be greatly appreciated.

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 2019-06-20
Company: KEYCORP
State: WA
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:
A chargeback was filed on XX/XX/XXXX for a item that was never received. Key bank reversed the chargeback XX/XX/XXXX. Keybank claims they sent paperwork that I never received. They refuse to give me any information about the dates of their investigation, what their investigation entailed, whether or not they spoke with the other party. I have requested call backs from a disputes department three times and never heard back. Keybank had 6 months with which to completed their investigation and they ran out the clock in order to reverse my chargeback request and take my money. The charge was fraudulent, they have no grounds with which to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Account history information is incorrectly reported on three of the credit bureaus. According to the law Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried calling Bank of America on XX/XX/20 and XX/XX/20. 
XX/XX/XXXX I was transferred and on hold approximately 2.5 hours ( with 3 people ). 
XX/XX/XXXX I was on hold and transferred again ( with 2 people ). 

No one at Bank of America can answer my question and resolve my issue. 

I initiated a claim on a Mastercard transaction on XX/XX/20. I did not have good communication with an out-of-state company in Arizona that was to refund my money for an apartment application fee. Due to the poor communication on their part, I was worried I would not receive the {$230.00} refund, so I opened the claim. 

After the claim was filed, they mailed a refund check to me for {$230.00} which Bank of America credited correctly when I deposited ( via the mobile app to my checking account ). 

I have been trying to do the right thing and contact Bank of America repeatedly to stop my claim. There is no longer a need for them to research my claim. IT HAS BEEN RESOLVED BETWEEN ME AND THE COMPANY. 
I now have {$230.00} in my checking AND a credit of {$230.00} on my credit card as of XX/XX/20. I should only have the {$230.00} in my checking account. 

I am trying to stop the claim and have the credit removed from my credit card. 
Why am I given the run around repeatedly? No one is solving this problem. 
Their inability to resolve this makes ME look bad, like I am trying to get a double refund. 

This is the worst customer service I have ever experienced in my life.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-01-05
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 got the notification of the HAF department that I was approved for mortgage assistance for past due payments and an additional 6 months of forward payments. The approval letter has been sent to my mortgage company which is FBC Mortgage. My loan number is XXXX. The amount past due that was sent out to the mortgage company is {$10000.00}. This amount was sent out to FBC Mortgage in XX/XX/2022 and they still have not posted it on my account. I have been calling FBC Mortgage every week since XXXX and they always give me the same answer : they dont have it. I called the HAF department and they show the mortgage company has cashed their check. I dont understand how this could be possible. Its very unfair for them to be holding a check for more than 30 days now and having my loan to accrue more money in interests.

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 2023-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: A.R.M. Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Getting repeated emails and a letter from A.R.M.Solutions Inc that we have not paid our yearly subscription fee for the XXXX XXXX XXXX XXXX XXXX newspaper. However, we have a monthly, up to date, automatic deduction subscription payment, rather than a yearly subscription fee. A.R. M. are scam artists ( as evidenced by other complaints against them ) trying to make us pay bill we do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I use an app called XXXX  an now it says PNC has blocked communications with this app. I use this app as a last resource to get some extra cash an it helps out a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2022-11-01
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$2100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} ), XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$40000.00} ), XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
woke today see my account was negative {$1000.00}. I called the bank imagine that there is an error where it was duplicated A charge. They mentioned that I can use my card without any fees ( They think that they are doing a favor by doing that while they are the one who made the mistakes and prevent the rest from getting to our money ). I use the card at a grocery store and still got declined. When I call to complain they hung up on me and just said to wait until XXXX XXXX. On Friday I usually do all of my grocery shopping and that's when I get most of the stuff for my family. When we make mistakes we get charged fees when they make mistakes we're supposed to shut up and take it. I thought this is America.

Company response to consumer: Closed with explanation