BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Genesis FS Card Services, Inc.
State: VA
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:
I have one Indigo credit card, issued by XXXX XXXX. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to Indigo customer service, but they said, they can not correct the error that I need to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, Diversified Consultants , Inc is attempting to collect a debt. While I do not remember the debt and has not refused to pay, I requested that the collector validate the debt under Fair Debt Collection Practices. My final letter to the collector was sent via certified mail ( cert # ending in XXXX ) on XX/XX/2019 requested the aforementioned. Collector has opted NOT to communicate with me but communicate directly with the credit agencies AND provide false and/or unverified information despite my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Eastpoint Recovery Group, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling family members and leaving voicemails with personal information. 
Calling wife 's work phone. 
Never sent written information about alleged debt. 
Leaving false claims in voicemails. 
Calling repeatedly. 
Threatening to take adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate XXXX has already removed this account due to error

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 2023-10-06
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that MOHELA thoroughly assess the eligibility of my account under this regulation.

Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations.

By Section 611 of the FCRA provides your rights to dispute inaccurate information on your credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries on my credit reports are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries on my credit reports are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-13
Company: DISCOVER BANK
State: MD
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:
I would like to dispute the transaction with XXXX, in the amount of {$1900.00}. The reason is that the item was returned but no refund been issued. I have contacted the XXXX to open a claim for package lost and the merchant has approved it on XX/XX/2021 - see documents as attached. However, the credit card company ( Discover ) has never issued the refund and denied the dispute case without providing any valid evidence- they simply mentioned the transaction was found to be valid but did not follow-up on the issues was claiming for. 

As a valued customer, I have to report this case to CFPB to protect myself as a victim to this transaction. Obviously, the XXXX was responsible to pay for the package lost but not the customer, and as the merchant has already approved the claim, the credit company has to provide the refund without any delay. On the contrary, Discover provided the fake evidence showing the charge was valid but not that did not solve the problem. I would appreciate if CFPB could step in and investigate the case on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I made crypto currency deposit to Robinhood. They say they can not verify the legitimacy of the funds and so closed my account with my funds still stuck there. 

Now they say they are unable to return the money to me. Can they return it to the depositing source then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received results f re om experian dispute. I have subscribed to their plan for almost XXXX Iam XXXX and they want me to go to the police for a account on my credit report and they refuse to tell me what information this company provided them. Experian keeps saying the info is valid. I requested a dispute to remove it. Now the information from the negatively reporting company is even more recent than prior to my complaint. The company name is XXXX XXXX. I asked experian to require the company to furnish what they have establishing my agreement they have not. I pay Experian to monitor.

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 2019-12-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan for a new vehicle was refinanced out of USAA. USAA received payment from the new bank which the loan was received from. USAA then proceeded to continue to charge my automatic payment amount for $XXXX  on XX/XX/2019 despite the loan being paid off on XX/XX/2019. When speaking to USAA they would not refund this payment until they received it in their bank and I was instructed to call 2 business days later. A full business week has passed since the incorrect debiting of my account and they still will not issue a refund since they say they have not received the funds despite it being removed via automatic payment. The funds are being deposited into a loan account that has already been closed and thus I do not have access to see if it has arrived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: MOHELA
State: FL
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:
I was told by Dept of Ed on XX/XX/XXXX to apply for the new XXXX XXXX. I applied on XX/XX/XXXX, and then logged in to Mohela to see I already had a payment plan in the system ( which was not the case before ). I called Mohela on XX/XX/XXXX to cancel the new IDR payment plan request. I was told by the rep that I wouldn't need to pick a new plan until XXXX. I called back on XX/XX/XXXX to confirm the new payment plan would be cancelled, and I was told yes. 

XXXX XXXX I got an email from Mohela that some of my loans were in administrative forbearance - I did not ask for this. I called several times to find out why, as I would like to repay ALL of my loans not just some, and was not able to reach anyone. 

When I logged into my Mohela account on XXXX I see that my payment amount is now double the cost of what it was last month. A surprise increase by XXXX XXXX dollars. I called Mohela several times this week and did not get through until yesterday, XX/XX/XXXX. I was on the phone with the rep who said she was going to have a supervisor review my account. I was told to continue holding. After XXXX minutes, the rep hung up on me. I know for a fact she hung up because the phone was on speaker and resting on my desk, I did not touch it at all. The rep said during our call that she would call me back if we got disconnected, but she never did, so she 100 % purposefully disconnected. I did some research and I am far from the only one that Mohela has hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: JPMORGAN CHASE & CO.
State: AL
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:
I had a credit card with Chase bank in which a few weeks after receiving the card, a fraudulent transaction was made to 'XXXX  XXXX  ' on XX/XX/2019. The charge was for almost {$6000.00} and I disputed the charge. 

I spoke to several customer service, security team etc agents and nothing was done until I received a letter a few months ago claiming that " They had received my fraud claim for a purchase of around {$460.00} on XX/XX/2019. It was to XXXX XXXX  but it was for the wrong amount and the wrong date. I NEVER even made a purchase of ANY kind on XX/XX/XXXX, and my credit card statements reflect that. 

So I filled out the fraud claim statement but told the fraud team that this was the wrong amount and the wrong date. The agent I spoke to stated that it 'was fine and they would take care of it ' Months later, this fraudulent charge is STILL showing up on my account as of today. Even more so ... .Chase has been charging money for the outstanding balance payment AND still charging me interest for the account. Even while their investigation was going on, they are now even charging me a late payment after I spoke to an agent and said I refused to keep paying on a balance in which I made NO charges. 

I still have the fraud claim letter and my credit card statements PROVING that the mistake was on THEIR part. And they closed down my account as if I was the one to blame. This is beyond unprofessional and I am upset about being ignored and taken advantage of. I have still made payments before now because I figured that Chase would reimburse me for my payments and plus I didn't want it to show as a late on my credit report since the process of dealing with the credit bureaus is enough of a pain and would take a lot of unnecessary time. 

Please have Chase delete this fraudulent charge and I would like them to restore my account. The fraud was NO fault of my own so there is no reason I should be treated as such.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: MOHELA
State: WA
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:
In XXXX of XXXX I submitted signed certification of XXXX and XXXX XXXX counts. I worked for a state agency in the past that qualified under the XXXX and submitted the verification in the required time frame along with current employment information of my current XXXX employer. I submitted these documents in XXXX of XXXX. My payment counts towards my XXXX were never updated. I sent an email to my student loan servicer in XXXX of XXXX inquiring about my updated payment counts and when I could expect to see accurate payment counts reflected on my account. It said they would reply in XXXX business days. I have yet to receive that reply and my payment counts are still not updated. When I look at submitted documents in my account it shows those certification forms as " duplicates. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
Please remove this account from my credit report as it is fraudulent and not associated with me.

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 2021-12-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs XXXX has already removed this account due to serious errors in reporting

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 2021-11-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX account- i have never done business with them and credit bureau has failed to provide any documentation with my signature after being requested, item was removed and then reinserted 2days later, it is also being reported as a closed account now, at first it was reported as a collection but they keep changing its status .. i have never opened an account with them, therefore i can not have a closed account this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 2019-12-11
Company: Innovis
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TD BANK US HOLDING COMPANY
State: MD
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  account # XXXX has, violated my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs this account has already been deleted by XXXX due to obvious errors in reporting

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 2023-03-15
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation