BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Aldous & Associates, PLLC
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: Information belongs to someone else

Complaint:
Aldous & Associates is a third-party collector and I gave no one consent to contact me, they have harassed me several times. Threatening to sue me over the phone. No permissible purpose was given to this corporation on my behalf. They are violating my rights. I have sent in a debt validation request and demanded a response within 30 days, No response was ever given. They have been put on notice and had 10 days to remove the account from my consumer and FAILED to do, this is illegal. This company fails to respond to me.

15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a request to have funds returned to me in reference to the CARES act. I requested to have payments that I made during the pandemic to be refunded to me. I made the initial call on XX/XX/XXXX. I've been told this is in process and I would be kept in the loop on the status of this request. As of yesterday, it will have been 9 weeks with no status update ( via email or phone call from Nelnet ) in regards to this request. I've called multiple times and have been given different information from each agent I've spoken with ( it's in process or contact studentaid.gov ). With no movement so far, this is going beyond the window in which I was quoted ( 4 to 6 weeks ). It has now been over 9 weeks without any movement in the processing of the request, in which they stated yesterday was submitted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Purchased a XXXX  at XXXX XXXX XXXX, for internal commute purposes, and had it financed with XXXX XXXX XXXX XXXX as this was set up by the team at XXXX XXXX. 
After a few months reviewing my credit scorXXXX, and various calls and claims to the credit agencies I found out that the vehicle loan I obtained from XXXX XXXX XXXX via XXXX XXXX XXXX is in the form of a credit card, not a vehicle loan. 
It is incredible and outright fraudulent to not warn, disclaim and thoroughly explain a client and costumer on the terms of a loan agreement, I would not have purchased the vehicle knowing these terms and conditions. To say the least, negligent on behalf on XXXX and XXXX, but more to an action not to be considerer as good faith in business, and truly deceitful and misleading. 
On a call with XXXX XXXX XXXX XXXX, the person that responded my call and questions was very rude, and intended to disregard the situation, and further try to convince me that the XXXX  i purchased was not a vehicle. 
I can not comprehend the audacity of this person to say such, as this vehicle is registered in the Florida XXXX and carries a license plate, and is my sole vehicle in Florida. 
Right now, instead of a newly agreed vehicle or even personal loan, that just started to amortize, credit agencies treat such as a maxed-out credit card. 
This has impacted my credit score for the past few months, and I was in plans to purchase property early next year.

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 2021-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My Name is XXXX XXXX XXXX. 

I am a retired 100 % XXXX Veteran. I am currently writing a book and was looking for collaboration assistance. and entered into an agreement with XXXX XXXX. 
They required XXXX to to open up my account and to provide access to ghost writers to assist, outline, edit and help publish my book. 

I repeatedly attempted to contact " XXXX XXXX '' for the services promised and received no response, NONE .... what-so-ever to collaborate with writers. 

... No services were offered and no collaboration occurred. 

I contacted my credit card company ( Capital One ) concerning the charge of XXXX dollars billed on XX/XX/2021. Please see attached letter dated XX/XX/XXXX. Capital One stated that they had removed the charge and then reversed the decision stating that the company XXXX XXXX had disputed my dispute. DESIGN COMPANY stated to " Capital One '' that they provided several services including outlines and even provided a " BOOK COVER ''. 

I submit to you that they DID NOT provide any services. If they did provide any services surely they could submit some shred of evidence such as... 

XXXX the TITLE XXXX the outline XXXX the book cover XXXX the log of hours of the ghost writers XXXX the subject matter of the book DESIGN COMPANY HAS NOT SUBMITTED ANY OF THE ABOVE EVIDENCE TO SUPPORT THEIR CLAIM AND THE MOST GLARING EVIDENCE SUPPORTING ME IS THAT IF THE DID PROVIDE SERVICES. THEY WOULD BE ABLE TO PROVIDE ME WITH AN INVOICE OF THEIR LOGGED SERVICES. 

PLEASE SEE ATTACHED DOCUMENTS Capital One simply reversed their decision because DESIGN COMPANY simply said that they provide services and with NO " proof of service '' evidence ... ruled in the favor of the merchant! i.e. because they ( XXXX XXXX ) said that they did these things.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
American Express National Bank has locked my account and prevented me from accessing my only money to support my family. My unemployment benefits were deposited into my account on XX/XX/2020, my account was locked XX/XX/2020. On XX/XX/2020 I tried contacting the customer service center and for hours every phone call attempt I made to the only customer service number available was disconnected without reaching a representative. I reached out to American Express National Bank on XXXX  along with many other customers about the same issue and we were all told to keep trying to call. I have made several call attempts since then that have only resulted in waiting on hold for hours without reaching a representative. I have currently been on hold with no answer for 2 hours and 8 minutes and it is XXXX on XX/XX/2020. American Express National Bank has stolen my money and refuses to answer their customer service line to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
My identity was stolen in the past and I have recently noticed items on my credit report that dont belong to me. Please close these accounts and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

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 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 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 2020-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX and I have had a credit card for 4 years. XXXX  and Experian do not provide me with my credit report or XXXX XXXX. I called both XXXX  and Experian several times and they refuse to help me. I even mailed in dispute to each of the companies. My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. When I ran a credit check, I got the following errors. 1 ) XXXX  error : " Record not found '' 2 )  Experian error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' XXXX  said  that my first name is too short and so I need to hire a credit repair service. Experian said I do not have a credit file. If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with XXXX  and Experian ; and they are not even trying to investigate the issues. Why are these bureaus being to reluctant to help a 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 2020-03-12
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 2021-12-20
Company: Experian Information Solutions 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2023-12-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit 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:
The Amazon Rewards Visa card through Chase allows for redeeming points in a number of ways, including cash back. This can be either as a statement credit or transfer to a bank account. When selecting a bank account, the screen warns that the bank information will be used only for this single transaction and to store the information permanently to reuse, go to Profile and Settings. However, nothing under Profile and Settings allows for that and there is no apparent information about a different way to do it. When I contacted Chase, I got mostly confusion and no resolution. By the way, part of the reply, such as it was, has been voice mail supposedly from Chase ( seemingly really from Chase ) asking me to call the person back at a number given. This is, of course, an awful practice because it lends legitimacy to scam calls but I called back once, anyway, got voice mail, left a message, and did not hear back.

It may be slightly cynical but I suspect Chase and/or Amazon may be intentionally creating some friction in getting cash back to a bank account in order to steer customers to redemption options that are cheaper to those companies in some way.

Company response to consumer: In progress
Consumer complaint received 2021-12-20
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Aldous & Associates , PLLC XXXX XXXX XXXX System XXXX XXXX XXXX XXXX, Suite XXXX, Washington XXXX District of Columbia, XXXX To : The Office of Registered Agent for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Aldous & Associates , PLLC, Inc. has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was told, on a recorded line, by a MANAGER at BOFA that while I was STILL IN MY TRIAL MODIFICATION, nothing would be reported to the credit agencies, because I am STILL IN TRIAL MODIFICATION until the end of XXXX. I have NOT opted out of the modification AND I am covered by natural disaster protection as well. It is literally CRIMINAL that any reporting has been done. I PAID AS AGREED in XX/XX/2023 and have until the END OF XXXX to pay for XXXX. 
You have just created FAR more problems for BOFA as this will be added to a lawsuit since you have done so many illegal things since the HAMP denial to now. Lawyers field day. 
FIX THIS NOW as it is WRONG and not as agreed by BOFA for modification. 
CALL ME NOW! You guys are straight criminal.

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 2022-08-18
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2023, sent and dispute letter containing several inquiries that were requested from a third party without my permission after car shopping. It has been over 60 days and I've yet to have received a response from Experian regarding my dispute. Since these inquiries were ran without my permission or prior consent then they should be removed from my credit report expeditiously in addition to Experian not responding to my dispute within 30 days in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX  XXXXLate/Closed Late Date XX/XX/XXXX, XXXX XXXX  XXXX XXXX .... Date Opened XX/XX/XXXX XXXX XXXX XXXX-Late/Closed Late Dates 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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 received a letter today dated XX/XX/2022 from Transunion stating the following : " We have complied with your request to remove the fraud alert from your credit report ... '' I never requested that the Fraud Alert be removed from my credit report. I did not, at any time, give permission for Transunion to remove the existing Fraud Alert from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation