BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a loan from this company on my credit report, and I have never gotten a loan from them. I believe it is identity theft. I contacted them by phone 3 times. The first time they gave me a number to a sales company. The second time they hung up on me when I told them this was not my account. The third time they hung up on me when I requested proof of the loan in my name, as I have never gotten a loan. I called a XXXX time and couldnt get through to anyone. I disputed this on my credit report, and they verified it is mine. So I am trying to get all the proof I can of this loan so I can dispute again, and file for identity theft. I will be filing a police report today.

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 2023-01-08
Company: Experian Information Solutions Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
I am writing to file a complaint against Experian for reporting a charge off from XXXX XXXX XXXX ( reference number : XXXX ) on my credit report. This item is in violation of the Fair Credit Reporting Act ( FCRA ), as I have a right to dispute any inaccuracies on my credit report and have the issue promptly investigated. 

I have made numerous attempts to resolve this issue with Experian but have not received any response. I have provided Experian with the necessary documentation and information to support my dispute, yet I have not received any resolution or communication from the company. I have NEVER received any response or verification proof for this account mailed out to my address for this unverifiable item being reported on my consumer report. 

According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation when a dispute is filed, and to delete or correct any information that is found to be inaccurate or can not be verified. Experian has failed to meet these requirements, and I request that the CFPB investigates this matter and takes appropriate action to ensure that my rights under the FCRA are protected. 

Specifically, I request that the charge off from XXXX XXXXXXXX XXXX be removed from my credit report, as it is in violation of the FCRA. 

Thank you for your attention to this matter.

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 2022-02-23
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep being sent notices over a debt that is not mine. I was a co-signer for an auto loan of over 13 years ago. These people keep calling me and sending notices that they are going to take action against me. Mr. XXXX from Settlement Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Strategic Financial Solutions, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
on XX/XX/2023 I got a letter saying I was pre-approved for a personal loan up to {$32000.00} " at 3.87 % interest rate. '' However, when I called in and followed the steps and was given the actual loan offers the rates were all north of 12 %. They said that 3.87 % was jsut the pre-approval amount that how could they be that far off? Thats 3x off. There is nothing in my credit profile that would have caused the rate to be increased 3x. Its XXXX and they know it, there is no way they are giving anyone a personal loan at 3.87 % that is lower than what our federal gov pays on their treasury bonds. This is clearly misleading and they know it is I bet if you did an audit of their loan book you we see that they don't have one loan at that 3.87 % so when they advertise that it's knowingly misleading.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: NAVY FEDERAL CREDIT UNION
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:
I have sent multiple letters on XX/XX/2022 to creditors and XXXX to validate and verify information on my credit report. 30 days past and I have not received a response from either creditors nor from XXXX. I have then sent the second letter on XXXX to creditors and XXXX warning them that they are in violation of FCRA by not responding to my dispute and verification request letters. When I log in to service.XXXX I see that XXXX opened an investigation on XXXX and it is showing processing. ( I have attached a print of the page here ). As of today XXXX which is 32 days since they opened an investigation and they have not yet responded to me. That is clearly the second violation of the Fair Credit Reporting Act as the ACT states the Creditors and credit bureaus have 30 days to investigate and respond. I have attached here all the letters I have submitted to the creditors and to XXXX on XXXX and the second warning letters for not replying on XXXX. 
Creditors : 1- XXXX XXXX / Acct # XXXX XXXX XXXX  / Acct # XXXX 3- NFCU / Acct # XXXX 4- NFCU / Acct # XXXX 5- XXXX / Acct # XXXX 6- XXXX / Acct # XXXX 7- XXXX / Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Shellpoint Partners, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
The years since my wife 's XXXX XXXX diagnosis and XXXX in XXXX have seen her lose her career, after which I became her primary caregiver. We declared bankruptcy, discharged the following XXXX, and eventually secured her XXXX federal XXXX benefits this year ( XXXX ). 

As we prepared to sell our home last XXXX ( XXXX ) the head of our church congregation sent a {$700.00} mortgage payment for that month to XXXX of XXXX addresses listed on the bill. He chose the wrong address, and then sent XXXX payments ( {$1400.00} ) on XXXX check the following month ( XX/XX/XXXX ). 

We closed on our home XX/XX/XXXX, paid off the mortage, and moved to XXXX, XXXX  to find more affordable housing, Our latest bid for another home there was accepted last month ( XX/XX/XXXX ). Our closing date was set for XX/XX/XXXX, if I recall correctly. 

On XX/XX/XXXX, our loan XXXX called to inform us that he could not proceed with the purchase of our new home ( now still under contract, by the grace of XXXX ) without resolving what was showing on our three credit reports as a 30-days late payment from our former lender, Shellpoint Mortgaging Services ( formerly NewRez ). 

Shellpoint asked us to send a letter to resolve the problem. We overnighted that letter the same day ( XX/XX/XXXX ). We have had no word on their decision as yet. We have called at least three times. Anything you can do is appreciated. 

XXXX XXXX XXXX ( fomerly XXXX XXXX XXXX until XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. also The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
XXXX XXXX XXXX Account # XXXX Experian Account # XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-05
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
The car wash I attend had a malfunction and my car was affected so the gentlemen wrote me a check for a repairs the check is funded by the car wash. I cashed the check with my bank account. Chase they said it would be released next day. Then it was on hold for 14 days. I thought it was just because it was a newer company or something but then my entire account. Was restricted. The chase representative said it needs verified through their account and the company is not showing up or the number I provided. They cashed the check but I do not have access to the funds. Asked me to have the provider recall the check. I advised Im trying to not make the situation worse and asked them to send it back they refused. Refused to release it said they cant verify it when I gave them all the info I have. Said if its not verified it will just sit there until chase can verify it with their system and locked ky account and all my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I earned a XXXX points bonus through an introductory American Express Platinum card offer. However, after being assessed the next year 's annual fee, I called American Express customer service to downgrade to Gold as we no longer wanted to pay the increased annual fee for Platinum. Before downgrading however, I very clearly asked the agent to verify that my points would not be impacted by this move and he assured me that there would be no change. This happened in XX/XX/2022. However, in XX/XX/2022 when attempting to book a flight using my points, I found that my account had been debited the XXXX points. I was confused by this as the agent had told me otherwise. When I called American Express again, the agent told me that this was because I had not been a Platinum member for a full year. I told them that didn't make sense because I had already been assessed an annual fee already so I must have hit the year mark. However, I then checked and found that I was a month short of hitting the year mark which I wasn't aware of at the time of downgrading ( and was completely unexpected given I had already been assessed my next year 's annual fee ). I told the agent that this was a very misleading practice, and on top of that, the agent I had spoken to had confirmed my points balance would not be impacted. The agent replied that they would pull up the recording itself and if that's indeed what the agent said, they would award the points back. They did say this would take up to 14 business days. Fast forward to today and I've already called American Express multiple times after each 14 business day period. They keep skirting the issue and telling me that they'll need another 14 business days to research the issue. At this point, I'm convinced that AmEx is just trying to avoid awarding me back the points I earned. I'm incredibly frustrated by the deceptive practices being employed at and am now forced to escalate this via the XXXX 

Note that this is what I wrote through the XXXX  in XX/XX/2022, and I continue to go back and forth with American Express through there but the company has not been helpful for months. I've told them to go back to the recordings and listen to them, but there's no evidence that they've done so. And they won't release the recordings to me unless I have a subpoena. I'm at my wit 's end at this point in terms of trying to deal with their agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: SYNCHRONY FINANCIAL
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, SYNCB add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-09-30
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
I helped my god-daughter XXXX XXXX XXXX XXXX student loans in XXXX of XXXX and XXXX of XXXX. Both student loans listed me as co-signer as stated in the letter dated XX/XX/XXXX, from Discover Bank. The letter listed XXXX XXXX XXXX and XXXX XXXX XXXX. The loan XXXX told me over the phone that amounts are ~ {$64000.00} and ~ {$41000.00}, respectively. XXXX has been paying both loans on time after she graduated and landed a job as a nurse in Texas. After talking to her and her mother, we decided that she can take care of them on her own. Therefore, I contacted Discover and they have been making me goes round and round without any specific. I asked for additional info such as the terms of the loans and the answers are that they can not give it to me because I am a co-signer not the applicant. A loan specialist would ask to call a loan consolidation specialist but don't have a phone number to give. Then, I started googling and found CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: LEXISNEXIS
State: IL
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 have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from my credit report entirely!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: LA
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$82000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$140.00} XXXX XX/XX/2021

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 2023-04-18
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Monday XX/XX/2022 I received an email that was routed to spam and later recovered. This was done intentionally by PayPal as to be undetected writing an email with a spam bot text. It reads " You can no longer do business with PayPal ''. It then references my funds will be held for 180 days. 180 days have passed and I can not access my account. Furthermore, PayPal is holding my account information ( linked accounts ) from XXXX, XXXX, XXXX checking, XXXX XXXX, and XXXX  hostage. I want my linked account information deleted. PayPal has acted maliciously and intends to steal money from me. I have reached out to them multiple times and met their INTENTIONALLY INCOMPETENT customer service who hardly speaks english. My account was blocked with no reason stated. My account has not been released after 180 days. My account has linked accounts that are being held hostage. FURTHERMORE, I have pending cases for non delivery of goods bought from PayPal and I believe they have retaliated against me. FINALLY, they have retaliated because of my last name being foreign. I'm sure of this. 3 evidentiary pictures are attached. Requested Action : 1. Paypal to stop harrasing me and holding the linked accounts hostage. 2. Paypal to delete all my information especially and including the linked accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a BBVA XXXX Credit  Card. The card was blocked by their fraud enterprise department on XX/XX/2021. I called in resolve the block on XX/XX/2021 and submitted the requested ID to unblock the card. After the initial stated 48 hours, the card was not unblocked on XX/XX/2021. I called back again to ask about the status and was told to wait another 48 hours. On XX/XX/2021, the card is still blocked and unusable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I have accounts that I did not open on my credit report and none of my credit reports match. I also disputed 4 times in one year ( XXXX-XXXX  ) to get these items off my account. I know by law my credit report should have the same information on all three and it doesnt. I need these inaccurate accounts removed.

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 2023-06-25
Company: Experian Information Solutions Inc.
State: TX
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:
CFPB please remove the inquires list on the attached report - as I did not authorize this.

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 2023-02-27
Company: EQUIFAX, INC.
State: IN
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 dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Action Collection Agencies, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company has left voicemails stating this is a message from a debt collector without being able to verify who they are speaking to or where the message is being left.

Company response to consumer: Closed with explanation