BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2023-01-04
Company: Experian Information Solutions Inc.
State: MS
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:
I have inaccurate phone numbers I do not recognize on my credit report and would like them to be removed. These phone numbers belong to other consumers and I need them removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I went on my email last year, and a notification came up to pay a app bill. But the whole time it was a scam, so i put in my bank information for what i thought i had to pay. So whoever sent the email took my bank information and did fraudulent checks and closed by fifth third bank account. I cleared up all the money that was owed, and have no debt. I have been trying to open up a new bank account but i cant since my fifth third account i had under my record says checking account fraud. Could you remove it off my record i payed off the debt and would love to open a new bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Carter-Young, 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:
My credit report should be blank because I have never used my information to obtain any credit whatsoever. I found a medical debt from Carter-Young INC on my credit for {$80.00} which I do not know anything about. I disputed it with the credit bureaus but the fraudulent debt is still on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: JPMORGAN CHASE & CO.
State: NJ
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:
We have a Chase Visa freedom card. We noticed a series of {$10.00} fees that were appearing on our statement without explanation. When we contacted the credit card company, we were told that these were cash advance fees, even though we were not asking for cash advances. The representative claimed that when the credit card was used with an app called XXXX, that is how it was coded in the system. She said this was disclosed on XXXX website. we asked her to identify where, on XXXX website this was disclosed, and she then pretended to know, and when we pressed her was unable to find it. She was an account supervisor in the customer service department at Chase from their Missouri office, and her name was XXXX. When we confronted her with the fact that she had misrepresented the disclosure, and that she knew where it was, she hung up the phone on us. The total amount of fees is {$170.00}. The call took place on XX/XX/XXXX at approximately XXXX XXXX ET, from our phone number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
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:
Equifax refuse to add my current open credit card account from XXXX XXXX XXXX to my credit report even after my report is being reported by XXXX every month to Equifax. Also even after XXXX credit card department contacted Equifax to put my credit card account back on my report which was never suppose to been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A loan hit my credit is how I found out in a different state Some has used my identity for 2 student loans!! It also stated that the person went to school to get the loans! I asked the company how did someone get XXXX witout attending school they couldn't explain to me! I'm from Michigan. The person who stole my identity I believe it's a school in New York! I report it on my credit! They closed it then the school said it was my accounts! I never lived out of town my entire life and has been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE A FEW ACCOUNTS ON MY REPORT XXXX  XXXX AND XXXX XXXX THESE ACCOUNTS DONT BELONG TO ME. I HAVE MADE SEVERAL ATTEMPTS TO THE CREDIT BUREAUS THAT ARE REPORTING TO VERIFY INFORMATION THAT IS CLEARLY INACCURATE. THESE ACCOUNTS ARE REPORTING INCORRECTLY WITHIN ALL XXXX XXXX IF INACCURATE INFORMATION IS BEING REPORTING IT IS GROUNDS FOR REMOVAL. I HAVE SUPPLIED POLICE REPORTS AFFIDAVITS AND TRYING TO HAVE THESE ACCOUNTS REMOVED THEY ARE GOING AGAINST OUR CONSUMER RIGHTS.

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 2021-11-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021 our home loan was excepted into a modification plan for missed payments due to XXXX. We were placed on a XXXX month trial with the first payment due XX/XX/2021. In XX/XX/2021 our loan was transferred to a new servicer ( ShellPoint ). I made several attempts to make contact with Shellpoint regarding my XXXX payment that had not shown on our account, I was on hold for as long as XXXX minutes and then be disconnected. When I was finally able to speak to a representative I was informed that my modification had been cancelled for lack of payment. I explained to the representative that I was not notified of this. As I investigated further Shell Point has been sending my statements to an address that I have never been associated with. Even after bringing this to ShellPoints attention, they continue to send my personal information to other addresses. On XX/XX/2021 I discovered that they have sent another statement to the wrong address. They will not except my monthly payments to all back payments are made

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called today XX/XX/2021 the FICO, XXXX, XXXX, and Experian. I called XXXX, XXXX and Experian : who or company or organization is making my credit report to up or down. XXXX, XXXX and Experian basically call FICO. 

When I called FICO they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating. 

I would like to know who is making my credit score go up or down and how they calculating my e-oscar or any other software. I believe this a fundamental right whom is causing scores to go up or down.

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 2023-05-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The Navy Federal Credit Union fraud department told a third party about my accounts transactions and balances on XX/XX/2023. The banker accessed my account through another member 's account and gave vulnerable information regarding my account. The banker or from my understanding, the supervisor, told this third party member who isn't authorized on my account my recent transactions with my account and my savings limit which was connected to my credit card. The said person reached out to me and told me all these details on the phone conversation between the banker and them. When I spoke to someone at Navy Federal Credit Union about this matter, they couldn't find a recording under my account, until I told them to search when my account was accessed and by who, this is when they put me on hold and told me this was a legal issue and they aren't allowed to speak to me any further regarding the incident. Then the supervisor that I spoke to, tried to pretend that nothing was said on the call between their banker and third-party individual but when I asked him did he listen to the whole conversation? He said, " No, it was a long call and skipped throughout the call. '' That alerted me that this was privacy and consumer negligence on the Navy Federal Union 's behalf. The banker decided on their own will to release personal information regarding my account to someone that isn't listed on my account to receive any of those details. I want to see what are penalties for this matter with them. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is actually a two-fold issue : attempt to collect a debt that was already paid and attempt to collect more than owed. On XX/XX/XXXX, I received a phone call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX ( XXXX XXXX ). I do not recall the exact amount, but it was around {$320.00}. I had paid this account IN FULL to XXXX XXXX on XX/XX/XXXX in the amount of {$270.00}, which was the total amount due. 

After hanging up with Transworld Systems, I called XXXX XXXX and confirmed that my previous payment of {$270.00} was the only amount owed and my balance was {$0.00}. They also indicated that they do not use Transworld Systems for any collections and that they would contact Transworld Systems. 

On XX/XX/XXXX, I received another call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX. I indicated to the caller that the account with XXXX XXXX had been settled two months ago and that XXXX XXXX had indicated they did not use Transworld Systems for any collections. They indicated that they would get in touch with XXXX XXXX. 

I then called XXXX XXXX and was assured that they had contacted Transworld Systems in XX/XX/XXXX to let them know they should not be calling about this account. I was assured that they would be contacting Transworld again because " this is bordering on harassment. '' ( Their words, not mine ... although I agree. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i filed a complaint already with the XXXX back in XXXX of XXXX  bank of america has not responded and if im not mistaken, bank of america had XXXX days to respond. its nearly XXXX months pass the deadline. i dont know what to do next. i need my money

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 2021-11-23
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, the consumer, trying to exercise my rights to validate a debt, and the National Credit Adjusters debt collector is not responding. They are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX my wife tried to do an ACH transaction between her existing XXXX XXXX account - and her XXXX XXXX account. 
The system message she received was that the connection could not be made - this message came from a company called XXXX We reached out to both XXXX XXXX  and XXXX XXXX and they can not see any issue with her account Her XXXX XXXX is set up to accept ACH transfers When we spoke to XXXX  they informed us that the information is coming from Early Warning systems. When we contacted them - they would not explain the reason for the hold - our only recourse at this point to fill out paper work with Early Warning system and wait for approx 30 days I believe that Early warning system is fraudlent blocking legitimate transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: NY
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, XXXX. and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-11-23
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/21 i Applied For the Promotion deal through PayPal For Venmo. To register was a {$10.00} deal to open an account i did that various amounts of time and still no {$10.00} in my Paypal account. Can someone please fix this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
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 Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I advised the dealership to refinance my loan because the payments were too high. After being informed i was not eligible to do so. I sundered the vehicle to the dealership along with the keys.

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 2023-09-13
Company: Experian Information Solutions 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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
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:
Dispute Case : XXXX I made a dispute for {$190.00} on XX/XX/XXXX however the whole charge of {$8500.00} was taken from the merchant 's account even after I explicitly written and submitted that I only was disputing {$190.00} of it. The dispute form also ask how much I was disputing. I only stated {$190.00}. 

The {$190.00} covered the price I had to pay another contractor to fix a house gutter that merchant failed to repair as agreed. 

The merchant sued me in XXXX XXXX Texas under case no. XXXX. 

During that time, I have called a few times trying to figure out what was the problem and if the dispute was completed. During that time the dispute always showed pending, and I never got call backs confirming what happened or letters. 

The lawsuit granted the merchant a judgement of {$8500.00} against me. 

I called RBFCU customer service once again XX/XX/XXXX and asked my dispute to be escalated so it could be readjusted or stopped. 

Again nothing. 

I did get one email that the merchant still did not receive a credit of {$8500.00}. I replied that they have all the information they needed to get their credit back. 

Over a year and a half later, I get a notice from the merchant 's lawyer for 5 years of statements and other financial documents. I honestly thought that the merchant did receive a credit of at least {$8300.00} or the dispute was cancelled as I never received a letter or call that I won the dispute. 

During the last few weeks in XX/XX/XXXX, I have called XXXX many times and spoke with XXXX, XXXX, XXXX, XXXX, and many more. Specifically, XXXX who was to help figure out the issue with her manager and call me back. I have been transferred and hung up on. Only information I got was that the credit card services vendor has changed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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  Accounts XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX accounts # XXXX, XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX XXXX account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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