BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX # XXXX XXXX XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates the report more than 7 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 2022-03-07
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: Account information incorrect

Complaint:
Under the Consumer Financial Protection Bureaus website there is an article on loans and the differences between a retail installment sales contract and a loan. The article addresses some confusions that the credit reporting agencies have on the difference between the two the article states " A retail installment sales contract agreement is slightly DIFFERENT from a loan '' See EXHIBIT A. A LOAN is a transaction between a consumer and a bank or other lender for MONEY, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest I never received any money from anyone. A RETAIL INSTALLMENT SALE CONTRACT, on the other hand, is a transaction between consumer ( me ) and the dealer to purchase a vehicle where I agree to pay the dealer over time, paying both the value of the vehicle plus interest. I have provided proof showing my transaction was not a loan but retail installment sale contract see EXHIBIT B, you can clearly see the amounts and monthly payments match from exhibit B to exhibits C and D. Exhibit C provides the inaccurate credit reporting being done by XXXX where they have mislabeled the type of transaction that occurred to an AUTO LOAN. You can see the same inaccuracy being done by Experian where they have labeled the transaction that occurred to an AUTO LOAN as well. Both Experian and XXXX are reporting inaccurate which is a violation pursuant to federal law and must delete the accounts from my reports immediately.

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 2020-06-02
Company: Total Card, 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 information incorrect

Complaint:
Total Visa has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting 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 have attached an FTC report with a fraudulent collection and fraudulent unauthorized inquiries

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 2022-03-07
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 belongs to someone else

Complaint:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.

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 2022-03-07
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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.

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 2019-01-29
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2019, I was in a hardship situation and dealing with a chronic illness. There were emergency household bills due. I had taken sometime off from work due to my illness. I applied for an online loan with XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for {$730.00} with an APR of 360.00 %. My attention was to pay this loan within 28 days. My situation was beginning to deteriorate and between my illness and missing work, I was unable to pay amount due as scheduled. I had to ask Speedy Cash not to draft anything out of my checking account because I was being charged overdraft fees. I paid a total of {$230.00} to date towards this original loan. I know have a balance of {$1500.00}. I asked the representative XXXX were there any arrangements I could make towards the original {$730.00} Loan. XXXX explained that Speedy Cash would not make any payment arrangements unless I agreed on the {$1500.00} balance ( and accruing interest ). I am in a hardship and unable to pay {$1500.00} plus interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me. I have not received any papers from this collection agency to dispute this 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 2020-04-10
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom it May Concern : Due to the CARES Act, I believe that I should not have had to pay my student loan bill this month, managed by FedLoan Servicing. 

I already paid the {$340.00} bill on XX/XX/2020 due to fear of possible repercussions, however I believe that the actual amount due should have been {$0.00}. I tried to reach out to FedLoan, however it is impossible to get through on the phone lines, and when I try to submit an email message through their website, I repeatedly get an error message. 

Per my understanding of the CARES Act, I should have SIX XXXX-dollar monthly payments due from XX/XX/2020 to XX/XX/2020. If so, I would please like a refund of my XXXX bill, and for someone to please ensure that I don't get billed for the next 5 months. Just as a side note - I am a healthcare worker on the frontlines in the XXXX, XXXX - to say this is a stressful time is an understatement. 

Finally, I'd like to say that in my few years with FedLoans, I've encountered absolutely abysmal customer service. They even messed up my initial consolidation which is going to cost several extra thousand dollars on my {$320000.00} principle. However, FedLoans said they would NOT correct it, and they themselves do not have any repercussions for this mistake. I find it absolutely heartbreaking that our government sees this agency as one that is fit to help our student borrowers. 

Sincerest thanks for your help, -XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-03-04
Company: Medical Society Business Services, Inc.
State: AZ
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:
Request for VALIDATION, NOT Verification XXXX XXXX XX/XX/2021 Bureau of Med Economics XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Account # XXXX and Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

You are reporting inaccurate information to the credit bureaus. I dont recognize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: TN
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 begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX XXXX {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX XXXX {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX ( {$1300.00} ) ( XX/XX/XXXX ), XXXX   XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX XXXX {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX  {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to Experian, XXXX, and XXXX   about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX XXXX {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX ( {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX/XXXX  ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX ( {$1300.00} ) ( XX/XX/XXXX ), XXXX XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX XXXX {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX  {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to XXXX, XXXX, and Transunion about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/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 2022-11-03
Company: EQUIFAX, INC.
State: IL
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 had a XXXX XXXX XXXX  that went into chargeoff status but was paid in full. the acct went into first day of deliquency prior to XXXX  when it was paid off XXXXXXXX XXXX  the acct is over XXXX XXXX XXXX since first day of being late but XXXX  and the credit burue will not remove the acct from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hello I am a XXXX student who attends the University of Wisconsin-XXXX. I had received an email from my school email about a company called XXXX XXXX XXXX who was offering $ 100- {$130.00} a week for reviewing products. Because my school is a research university I had thought that this was normal, and just another research project. I went back to my parents house after the covid-19 situation in XXXX, WI. They sent me a check in the mail for {$XXXX} and told me to mobile deposit this ( XX/XX/XXXX ). I mobile deposited this check with Chase bank. I received both texts from " XXXX XXXX '' and emails from " XXXX XXXX '' who were apparently working together. After I deposited the check, they asked my to confirm that the check had been confirmed and processed by my bank. Then they asked me to make a XXXX payment of {$1500.00} ( XX/XX/XXXX ) to someone name XXXX XXXX. ( XXXX ) so that he could buy some I-95 masks that were supposed to be sent to me to review and distribute. Later they sent me a text that the payment had been canceled. I called Chase bank and asked them if the payment had been canceled, but they said it hadn't been canceled and that I would have received an email from either Chase or XXXX saying that the payment was canceled if it actually had been canceled. My bank account transactions also showed that the {$XXXX} payment did go through. That's when I realized that this was a scam and I both emailed and texted that I was done with the job. This morning ( XX/XX/XXXX ) I recieved an email saying that my account had been overdrawn and when I checked my account I saw a XXXX deduction putting my account balance in the negatives. This shows that this was a fraudulent check. I tried calling chase bank twice and both times after being put on hold for over 2 hours total, I was told that they couldn't do anything since the payment was made through XXXX. I tried calling XXXX, but XXXX said that if the payment was made through the bank 's website that only the bank can deal with it. Please help me, I want the {$XXXX} that was taken from me but it seems like no one cares and no one is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Personal information incorrect

Complaint:
The name XXXX XXXX is being reported on my credit file and is inaccuracy reporting! That is not my legal name.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
on XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere.

Thanks

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 2019-08-28
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In early XXXX, my properly set up automated credit card payment didn't process with Barclay Bank Cards. They  couldn't explain why, and billed me for a late charge and a double payment of {$200.00}. I called and allowed them to take that double payment and got them to reverse the late charge. 

I double-checked my automated payment setup and found it not in effect, so set it up again for $ XXXX/month 5 days before due date. Today, XX/XX/XXXX, when I didn't owe any payment at all, they collected {$200.00} out of my bank account. 

I called, and was told that there was nothing they could do, as I had apparently authorized it ... NOT IN THE LEAST TRUE!. I also hate talking to someone in a foreign country, never able to reach a supervisor. Now I have no idea how they'll hit me again or when. I paid {$410.00} in XX/XX/XXXX for an account with a minimum payment of {$96.00}!! 

I want the payment reversed. They are non-responsive and ripping off their customers. My plan is to transfer the balance and close the account, but can't do so yet.

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 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital One Bank lost {$990.00} and refuses to locate where the {$990.00} went to. Capital One already admitted in a previous complaint they screwed up and will not take any accountability for their employee errors when one of their Associates told me they could " cancel '' the XXXX transaction. HOWEVER, LISTEN UP " XXXX '' with NO Last name that responded cowardly to my previous complaint without a chance to refute the erroneous information, I AM NOT interested in your corporate blah, blah, blah speak about your internal policies or how you do not hold the Bank accountable for employee mistakes to suite your own favor. I am only interested in Capital One locating where the {$990.00} went to after it left my bank account because the intended receiving party ( XXXX XXXX XXXX ) did NOT receive this money. One of your banking associates specifically said to me that the {$990.00} was " SENT '' but " NOT DELIVERED ''. So where did the {$990.00} go XXXX XXXX? Find It and Return it!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: KY
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