BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: MD
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 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 2018-09-14
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
After being advised by XXXX that an unauthorized transaction in the amount of {$39.00} effective XX/XX/2018, needed to be resolved by my financial institution ( PenFed ), I filed two disputes to have the charge investigated and my account credited. Confirmations on XX/XX/2018 and XX/XX/2018 from PenFed advised an analyst would contact me within 21 business days. This never occurred. Three follow-ups via phone ( the latest on XX/XX/2018 ) and two follow-ups via email ( the latest on XX/XX/2018 ) yielded zero results. No agent of PenFed has contacted me regarding this charge. In the meantime, when charges are in dispute consumers are not responsible for the charge, yet the institution auto-debited the amount upon my statement due date.

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 2019-08-05
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019, I received a call from the XXXX Store in North Carolina regarding a suspicious online order done in my name with my credit card from Elan Financial Services. I live in Massachusetts but the products were being shipped to an address in Kentucky. I immediately contacted the credit card company and was told that someone had called earlier that day to change my mailing address to the Kentucky address used by the scammer. I didn't receive any calls or emails from Elan Financial regarding the address change even though my Alert on such notification was set to Active. Also, if Elan Financial Services had done their due diligence when verifying my personal information, they would have noticed that the caller would not have been able to verify the name on the credit card. My legal name was changed and I never did change the name on this credit card. The name the scammer used to order the products was my legal name. This institution takes customer personal information security lightly and did not do their due diligence when it comes to security.

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 2019-06-19
Company: EQUIFAX, INC.
State: NV
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I used an Equifax report on their website to see my credit score in XX/XX/2019. 

Apparently, they continued charging my credit card on a monthly basis which I discovered in XX/XX/2019. 

Unlike many other providers of subscription services ( e.g. : Utilities, wireless operators, banks, etc ), Equifax deceptively does not provide any monthly billing statements or any other communications showing a customer that they are being recurrently charged, which is clearly aimed at misleading and deceiving customers so Equifax continues billing them for services they do not use or need for as long as possible, and then stonewalls when consumers ask for a refund. This is a bizarre practice for a leading CRA that clearly requires a regulatory action against the company, and might prompt a class action lawsuit. 

I called the company to cancel the service in XX/XX/2019 and explained that I did not use it since XXXX ( which they can easily verify because they log the transactions ). However, they refused to refund XXXX-XXXX charges. 

They transferred my call about 4-5 times for about an hour to random individuals for no apparent reason. When I called again and asked to speak with the supervisor, they hung up on me. When I called again, they connected me to somebody who introduced himself as XXXX, a supervisor, who claimed that they do not have a refund policy ( which is hard to believe for the company of their size ), acted highly unprofessionally, and subsequently refused to connect me to his manager, claiming that the manager was not in the office ( hard to believe that nobody is managing their call center, particularly given that I called during regular business hours in XXXX where they are headquartered ).

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2018-03-08
Company: KEYCORP
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
( Short version ) A cashier check from Key Bank was issued to me in the amount of {$5400.00} for a mortgage credit balance as of XX/XX/XXXX. 

This cashier check was dated XX/XX/XXXX. The memo line on the check identifies as credit balance to my mortgage account number. 

On XX/XX/XXXX, this cashier check was cashed by my personal bank, XXXX XXXX XXXX. This is the bank where my checking and savings account is held On XXXX XXXX, XXXX XXXX XXXX was informed of a stop payment on the Keybank cashier check and in turn XXXX   told me this. 

No reason as to why ... .Initial thought was it being cashed 30 days past issue date requireing a replacement check. Prio to cashing the cashier check, I walked into a local Keybank where the branch manager confirmed the check was still valid. 

From XX/XX/XXXX and up until XX/XX/XXXX, many calls were placed to Keybank and their representatives. Nobody could give me information. The only progress made was when they asked me to fax them information that the check was cashed. I did so, but again, no answers. Not until XX/XX/XXXX when I called and informed them I wanted an answer by the end of the day because I was filing a claim. Finally ... .. information. 

I was told by a supervisor that the information she had was the cashier check was sent in error and my attorney was advised of this and not to cash it on XX/XX/XXXX. Yes, the date was repeated at my request. 15 days after it was cashed, I am told my attorney was advised not to cash it. 

I havent heard from my attorney since XX/XX/XXXX and last conversation we had was he hadnt heard back either if the check needed to be reissued. 

For 2 months my checking account has been held hostage with a negative account balance. It has incurred over {$300.00} in fees. Just recently, encompass has set it aside so I can use my account until Keybank honors their cashier check. 

Please re-issue this cashier check and honor it as it was issued on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Good day, Ive checked my coinbase wallet and all my money in there was gone I have a total of XXXX ETH equivalent to XXXXphp in my coinbase wallet but i havent done any withdrawal transaction. 

I tried to email them several times but no response since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was notified by XXXX XXXX that someone using my name and SSN had opened an account with BB & T bank in XXXX NC. After some three hours over two days I spoke with people in their fraud Dept. who were difficult to understand and seemed incapable of comprehending the simplest issues such as I was not the person who opened the account and could not just go to the branch to close the account if I didn't know where it was let alone that California is not near North Carolina. 

Also I thought it was strange that they would ask detailed questions regarding MY credit and bank accounts. After I refused to disclose any of that information she said that she could not help me any further. I asked that they send a letter to me confirming that I had informed them that the accounts were fraudulent and that I asked that they be closed, She replied that she could not.

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 2022-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, I was banking with Bank of America since XXXX and all of a sudden my account was closed in XX/XX/XXXX with a balance of {$28000.00}. I have not received my money yet and whenever I call customer services or visit any branch they simply say we have no idea as to when would I receive my funds. 

I dont see any fraudulent transaction, chargeback or any complaints on my account, still without any notice or anything the account was closed. I have also not received any letter or any details as to why the account was closed and whats happening with my money. 

I would really appreciate if someone can look in to 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 2021-08-20
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Got a XXXX XXXX  XXXX  from credit acceptance in XXXX fell behind on payments but car ended up flooded in hurricane Harvey..had no insurance..company wrote car off and got paid plus wants money from me still

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 2023-06-05
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  account is closed I have repeatedly disputed the closed account as its showing up on my credit as open and verified. 
I have printed proof that the account is closed as Experian keeps verifying the {$16.00} as open and its closed with the next due date in XXXX!! Experian doesnt check anything yet they continuously update account as verified and remains on my credit.. I read the ucc laws governing my rights and I will file a law suit thank you

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 2022-05-05
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of XXXX I inquired as to why XXXX had not taken my XX/XX/XXXX auto withdraw as scheduled. My account was blank and I had received no email or physical mail indicating my loans had been switched to a different servicer. I figured out my loads were sent to Aidvantage. I called Aidvantage and complained about how no one notified me and that I had a payment post-due. Am I now in default for something I did not cause? Is the XX/XX/XXXX payment still required to put my account into the green? Rep told me " no, because the switch happened while the payment was due, you will not owe that payment ''. I was highly doubtful. So I set up my Aidvantage account. And I was overdue for that payment. And Aidvantage had access to my banking information that I never authorized. I immediately called back. The rep I got the second time informed me that a ) the former rep was mistaken and I need to pay the overdue amount immediately. And B ) that I shouldn't worry that Aidvantage had my banking information without my consent because they got it from XXXX. I paid my overdue balance that day, XXXX. In XXXX when I began loan repayment, my accrued interest was added to my principal. Meaning through the covid measure in place. I no longer had accrued interest and my current interest rate is 0. However, my XXXX payment, XX/XX/XXXX payment, and XX/XX/XXXX payments all have {$340.00} of {$500.00} applied to interest. The remaining {$160.00} is all that is being applied to my principal. I have tried calling and emailing Aidvantage and can not get resolution, a supervisor will not return my calls. They are telling me I have accrued interest, but I have documentation from XXXX stating I did not as of XXXX because it was applied to my principal. Also, the Aidvantage website does not have any accrued interest documented on my account, and I have 0 % interest. Aidvantage is committing fraud against student loan borrowers. Furthermore, it had been 3 full months and the student loan has not been reported to credit agencies. At any minute my score will tank which will negatively impact my ability to find a new place to live. It's terrifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: LOGICOLL, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have already made a previous complaint, company responded with false information and I have been met with harassment since then. Ive spent 8 hours on hold and the phone went unanswered for the duration of the day, it is not possible to get through to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 2023-06-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 Equifax received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX of XX/XX/2020they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the 1629e ( 8 ) debt collection practice act.

I up to this date have not heard any response from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I've received several notices from Calvary SPV for accounts that have been in default due my failing health. 

CALVARY bought debts from a 3 cards and entered judgments against me XXXX XXXX - which was dismissed XXXX XXXX XXXX - Entered in the amount of {$5300.00} XXXXXXXX XXXX- Which was entered which they are now trying to garnish wages from a Job I no longer work at. and I am paying the debtor directly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: AL
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:
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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