BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Dividend Finance is attempting to collect on a loan I never signed for nor agreed to. They disregard any and all information from me. Not only did I never sign for nor agree to the loan, but I never received the item/service the loan is for. You can read more about this in my previous complaints to Dividend Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Incorrect information reported and errors

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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX not mine US DEP ED XXXX not mine XXXX XXXX XXXX XXXX not mine AS REPORTED, THESE ARE NOT MINE Please send me dispute results and a complete updated copy of 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 2023-12-11
Company: Atlanticus Services Corporation
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account XXXX # 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 2023-07-24
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
American Express National Bank closed my account and did not return my funds. I called on XX/XX/XXXX when I was unable to transfer funds. They informed me that the bank had decided to close my account on XX/XX/XXXX. I made 3 successful deposits into the account ; XX/XX/XXXX for {$4000.00}, XX/XX/XXXX for {$20000.00}, and XX/XX/XXXX for {$50000.00}. The account had been open since XX/XX/XXXX. When I asked how I would be able to recover my funds, they informed me they would not send me my funds and that I would have to contact the originating bank to have the funds reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/23, I had sent a domestic wire transfer from XXXX to Bank of America. 

Unfortunately, there was an error and the money was returned. However, when the money was returned {$45.00} was taken out. 

I called both Bank of America and XXXX multiple times and both institutions confirmed that they did not charge this {$45.00} ( or any fee ) and no explanation was given for where this money went. 

Additionally, as a Preferred Rewards Member with Bank of America, all wire transfer fees are waived for me and XXXX does not charge wire fees. Neither institution has any disclosures of {$45.00} charges for any wire transfers that are returned.

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 2023-07-08
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:
I was victims of identity theft, I have had a lot of accounts open up under my SSN. Such XXXX XXXX XXXX XXXX XXXX XXXX OF THE ATTY GENER I have addresses open up under my SSN. This has set me back tremendously dealing with these accounts and addresses Its bring my credit score down i cant get car or house.

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 2023-04-17
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to contact state line collections in XXXX Wisconsin for medical bills. I talked to a lady today at XXXX XXXX. I asked her what bills I owed from XXXX XXXX XXXX. She then said that there is a XXXX XXXX on my account. I was super mad saying I dont have any kids and that is so hurtful to me. She then asked do I have any family members named XXXX. I said there is no one in my family named XXXX XXXX. I said my nephew goes hunting for deer but that is the hunt we do. She then puts me on hold for like 2 minutes comes back and says I realized I had you on hold. I said listen I am turning you in to the government for fraud. I can not express how hurt I am. Every which way I turn there is someone trying to hurt me. I want proof of these medical bills. I asked her what is hunters date of birth. She said she cant tell me that information even though this fake XXXX is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-07-11
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: 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: ENCORE CAPITAL GROUP 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ca XXXX, XXXX You are in an Violation of The Fair Credit Reporting Act ( account number XXXX & midland credit management XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct vlolation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: JTM Capital Management, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi, My debt was sold by XXXX XXXX XXXX , XXXX to JTM Capital Management , LLC. I managed to find their contact information through the XXXX ( XXXX XXXX XXXX ) and called repeatedly with no answer and no call back even though the voicemail promises a call back within 24 - 48 hours. Through more searching on the XXXX, there have been numerous complaints about JTM Capital Management.  XXXX published on their website that XXXX is under investigation and has not been compliant. Their website is not credible and there is no other way to get to them. I am devastated by this experience as a person that is trying to improve my credit / financial situation ; because this is the same situation as XXXX XXXX XXXX , XXXX, I am inclined to think that this is a scam of some sort / I don't owe this debt. I am seriously questioning the validity and credibility of these two companies. I honestly did not think it would be this difficult to pay something I owe. 

Please refer to this link to the XXXX  regarding JTM https : XXXX # Alert If you're able to help shed light on this situation, I would greatly appreciate it.

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 2023-07-11
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-07-08
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian has been allowing my information to be released and I have been breached by the company and the report has not been updated to reflect the status of my account as payment is not received as paid but XXXX XXXX account is still showing up as not paid and my information from the accounts that are 7 or more years old and closed are still being used and my information on my background is not accurate because I was never convicted of the crime it was dismissed and the case is closed but the report is still being used in the account with experian and I dont want to be held accountable for the information that is being used

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 2023-12-08
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Back in XXXX, I was given an AMEX e-gift card from my employer. I was able to use part of the balance before every single retailer denied the card. Online and in store retailers all denied the card, including big box stores like XXXX, XXXX, online at XXXX, grocery stores, XXXX XXXX, everything. I called AmEx customer service 6 different times. They all said to keep trying retailers until someone accepted the card, but that it was active and available to use. A supervisor told me the exact same thing. I can not use it anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed a fraud claim with Bank Of America after {$2600.00} was illegally withdrawn from my account using my PIN number on XX/XX/2020. Bank of America has since determined that those withdrawals were legitimate and have refused to divulge how they have reached that conclusion with me. Furthermore, they have closed my account disallowing me from receiving any benefits from the EDD since I have filed my claim. I have not been reimbursed and every time I contact them, I get a different response. This all violates their own card holder agreement. The principal reason this fraud is occurring to so many people is that Bank of America has issued EDD debit cards without security chips that encrypt sensitive information leaving them vulnerable to fraud via ATM skimmers. Bank of America is avoiding blame, refusing to see this through, and due to their own negligence have further compromised my situation by unjustly closing me account making subsequent payments from the EDD that I am rightfully and legally entitled to unavailable to me due to the banks decision to close my account and offer no recourse. I have filed a police report regarding this matter, the media has contacted me regarding this matter, and I am now reaching out for help to pressure Bank of America to act with integrity. Please help.

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 monetary relief
Consumer complaint received 2023-05-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Navient on XX/XX/2023 to see if I can get it for parents from my private student loan because I'm unemployed. An incompetent agent incorrectly told me that my loan was in some sort of lawsuit and I didn't know any money at the time. So month later I start getting the harassing emails and robo calls. Then I get charged a late fee. Navient posted a reply on this site and saying that the agent gave me misinformation but yet I'm liable? This company is a fraud. I will be calling them because they need to give me back my late fee and take back any threats to report me to credit agency because this is their fault. They admit to have incompetent people working there they give me wrong information. Everything they say on the phone to me is recorded so they can not deny it. See photo attachment to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Federal Cash Advance, LLC of Oklahoma
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I cancelled the loan within the cancellation period of 3 days at CashMax in XXXX XXXX, Texas, paid the loan back and they gave me a lien release but are now refusing to give me my title. They keep saying it hasnt come to them in the mail which is a lie. It doesnt take over a week for the title to come from XXXX which is only an hour away. When I paid the loan, XXXX XXXX said i could get my title the same day, so we drove all the way to the XXXX Texas DMV but were told we had to wait until CashMax got it in the mail. Then XXXX said it would take a week. Its been over 2 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-04-20
Company: Genesis FS Card Services, Inc.
State: GA
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 customer service

Complaint:
My account was blocked because they stated it saw suspicious activity I called gave them my information to verify me. They stated they needed my ID I asked to speak to the fraud department. They stated to me that the fraud department do not accept phone calls. I even provided them with the checking and routing number that I use to pay my monthly bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
State: FL
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:
On novemebr XXXX I purchased an item to be shipped by XXXX for {$470.00} using my chase credit card. I just found out the company went out of business today on XXXX XXXX and chase will not assist me with getting money back. Credit card companies have no liability in this country it appears

Company response to consumer: Closed with explanation