BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
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 have been attempting to communicate with Experian about this issue for six months. They have failed to comply with the law after multiple attempts. There is an account they are stating is mine and has been " verified '' and continues to fail to show me the verifiable proof that is required by law.

FCRA Section 611 Procedure in the case of disputed accuracy ( 15 USC 1681i ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any investigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer agency shall : ( I ) Promptly delete that item of information from the file of the 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 2022-03-01
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report on XX/XX/XXXX and I noticed some late payments posted on my consumer reports from XXXX. 
XXXX is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


I did not give XXXX written instructions to furnish this on my consumer report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from my consumer report related to these account listed below, this agency is in violation of 15 USC 1681. 
Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of all late payments of the above referenced account, and update those corrections with the XXXX will result in legal actions against XXXX for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Neglegent establishment of identity fraud 3. Fair Debt Collection Practice Act 15 USC Violation 4. Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: NC
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 have sent multiple letters to XXXX National Consumer Assistance Department XXXX  Consumer Relations, and Equifax Credit Information Services about multiple unknown collection accounts that have been reported on all three credit reports. <P/>XXXX National Consumer Assistance Dates : Certified Letters : X/XX/2017,XX/XX/2017. Online disputes : XX/XX/2017, XX/XX/2017, XX/XX/2017,XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} closed unverified ) XXXX Consumer Relations Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} open unverified ) Equifax Credit Information Services Dates : Certified Letter : XXXX/XXXX/XXXX. Online Disputes : XX/XX/2017,XX/XX/2017, XX/XX/2017,XX/XX/2017, XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ), XXXX XXXX XXXX XXXX  ( {$160.00} closed unverified ), XXXX XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with XXXX, XXXX, & Equifax credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only stress but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I sent the below letter to Capital One 's executive office on XX/XX/2020, and it appears they are refusing to comply. I am also paying a settlement of {$1700.00} to them and would appreciate Capital One removing all information from their system so I may apply for their products at a later time, should the need arise. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To whom it may concern : While checking my personal credit reports, which I acquired from XXXX, I noticed numerous inquiries made by your company. I am not in the market for Capital One credit or auto finance products, nor was I.

I did not authorize anyone employed by your company, or any subsidiaries of your company, to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry without permissible purpose attached to said inquiries. This is a serious breach of my
privacy rights.

The inquiries in question are on the following credit reports : XXXX  : Capital One Auto Finance, XX/XX/2020, Capital One Auto Finance, XX/XX/2020, Capital One Auto  Finance, XX/XX/2020 and Capital One Auto Finance, XX/XX/2020 | XXXX  : Capital One Auto Finance, XX/XX/2020, Capital One Auto  Finance, XX/XX/2020, Capital One Auto Finance, XX/XX/2020 and Capital One Auto Finance, XX/XX/2020 I request that you mail me a copy of my wet-inked signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. 

If you can not provide me with proof that I authorized you to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. 

Please send me a written confirmation that you have complied with my requests. 

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I made a purchase for plane tickets in   XX/XX/XXXX    . The trip needed to be changed due to terrorist activity, which is a covered reason under the terms and conditions of my credit card.  Barclaycard  referred me to  XX/XX/XXXX . When speaking to    XX/XX/XXXX they told me that prior to   XX/XX/XXXX     they did not handle claims against this card, so they referred me to  XXXX  : A  XXXX   XXXX . I submitted all necessary documents to  XXXX  who then denied the claim based on the reason that "  Terrorist Action  is not covered ''. I called them and sent them screenshots from the  Barclay Card  website showing them that indeed  Terrorist Action  is listed as a covered reason. The case was reopened, and after weeks of back and forth communication,  XXXX  sent me back to Barclaycard as they said i needed to put the claim through them. When speaking to  XXXX  again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to  XXXX . I have not contacted  XXXX  again but will be and will also be closing my account with  XXXX . The runaround i am receiving is terrible business and deserves to be escalated to all levels.  <P/> I have all of the necessary documentation detailing the above, including written correspondence with  XXXX , screenshots from the  XXXX  website, all necessary receipts etc. I can provide if necessary.

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 2020-09-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have maintained a checking account and a United XXXX XXXX credit c ard with Chase for over 10 years, and utilize the credit card almost daily, as my job as a Management Consultant requires that I travel every week. Chase recently closed my checking account as well as my credit card without any warning
.

I received a call a few months ago from a Chase Branch Manager about a legitimate wire transfer that I initiated, and was questioned about. Given the fact I am first-generation American and have family that resides overseas, should I be forced to not be able to transfer money to and from family because Chase thinks it is fraudulent? I believe this is absolutely discriminatory and appalling behavior by Chase.

I have contacted Chase multiple times, and they have blatantly refused to provide any reasoning as to why my accounts were closed, other than we can close it if we want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I made my month payment to my loaner. on time but the payment was never apply to my bank account and they told me the bank didnt approve the payment!! When i called again they told me the have the wrong bank account when i been making the payment with the same bank account.they been changing the answer on every single call i did!!! When i called told them to make sure why they didnt take the money out and they gave me a different story i was told that I didnt have enough money when i know for sure i did have the money to pay, the loan now they are charging me late fee and my credit score went down because of that.i just want the bank loaner to fix the payment to make sure they take the money out the bank account and dont over charge me, to fix my credit scores!!! Thank you so much i hope you can help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I pulled a copy of my credit report and noticed fraudulent accounts. it is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is that I recieved an offer to settle a debt from XXXX XXXX XXXX XXXX, on behalf of Navient Solutions, but they refuse to communicate or even acknowledge the reciept of negotiation requests from me or my lawyer. I had my lawyer respond to the settlement letter and reach out to both the collection agency and Navient on multiple occasions and both agencies refuse to respond. Each time I speak to Navient about the attempts to negotiate, they claim there is no record, so then we send more letters and my lawyer attempts to contact them both.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I want to report serious issues I encountered with Experian credit freezing service and policies. 
I wanted to apply for an XXXX XXXX card in a process of purchasing International flight tickets ; therefore, I lifted Credit Freeze on XXXX and XXXX while I placed a freeze with these two companies. I was denied the credit card due to a Credit Freeze in Experian, which I did not place to my best knowledge. I keep paper records and do not have anything, nor I remember calling Experian. 
My wallet was stolen in year XXXX. I reported this to the police and three banks I had credit cards and bank cards with. I had credit frozen by XXXX and XXXX personally at that time. Probably one of the banks or credit agencies froze my credit with Experian as well. 
When I wanted to Lift the freeze I went to the Experian.com web site. Four out of the five questions I had to answer None because the information was not valid. The freeze was not lifted as a result of incorrect information submitted XXXX/XXXX/XXXX @ XXXX PM. 
I called Experian XXXX/XXXX/XXXX @ XXXX PM and was told my Lift is locked due to wrong answers given and that it will take three business days to unlock it after I submit an identification proof. I submitted a copy of my drivers license as requested to the Experian.com Upload web page @ XXXX PM. 

I called Experian Friday XXXX/XXXX/XXXX @ XXXX PM and found out to my deep disappointment that they are closed due to the Holiday. Their services list as working on Saturdays and Sundays as well. It is not Holiday yet, it will be on Monday XXXX XXXX XXXX. 

This is unacceptable. The International flying tickets I need to buy were down to the last two seats today in the morning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2017, I received a settlement check from XXXX XXXX XXXX for repairs on the subject property. It is the common practice for the lender to either endorsed the check and return to the homeowners, pay directly to the contractor, or issue draws upon receipt of work completed. Pursuant to the promissory note, the homeowner has every obligation to protect the property. The check was sent to servicer BB & T multiples times to no avail. The servicer claims they can not find my account on their records. XXXX XXXX has issued more than 4 checks, and all have expired due to BB & T negligence. On XX/XX/2017, my line of credit with BB & T reached its maturity date. I meet with BB & T officials to either extend the credit limit or refinance. While the application was on going BB & T filed a foreclosure action then said could not proceed with the application. Ive never missed any payments in fact till today I'm making payments and being return by the servicer. The servicer is using this excuse to claim they can not find my name or loan number with their company. My roof needs repairs before it falls on my head.. See attached BB & T correspondence refusing to even acknowledge that I have

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 2021-04-15
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:
fraud account never open account r had a loan

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 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have sent multiple letters to XXXX National Consumer Assistance Department TransUnion Consumer Relations, and XXXX Credit Information Services about multiple unknown collection accounts that have been reported on all three credit reports. <P/>XXXX National Consumer Assistance Dates : Certified Letters : XX/XX/XXXX,XX/XX/XXXX. Online disputes : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX (XX/XX/XXXX {$1100.00} closed unverified ) TransUnion Consumer Relations Dates : Certified Letter :XX/XX/XXXX. Online Disputes :XX/XX/XXXX, XX/XX/XXXX. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX (XX/XX/XXXX XXXX {$1100.00} open unverified ) XXXX Credit Information Services Dates : Certified Letter : XX/XX/XXXX. Online Disputes : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ),XX/XX/XXXX ( {$160.00} closed unverified ), XXXX XX/XX/XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with Transunion, XX/XX/XXXX, & XX/XX/XXXX credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only stress but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2021-04-15
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint involved a credit card under my wife name who is a victim of identity theft. we reported a fraudulent charges on our billing statement and was told it will be investigated but instead continued to mail us statement every month with demand of continued payment while waiting for their investigation which never happen and now we received a letter saying it is in their collection department. Hoping someone can help us thank you so much.

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 2022-03-01
Company: Receivable Recovery Services, LLC
State: PA
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 have notified XXXX that the receivable recovery account on my credit report is a result of identity theft. I sent a 605 identity theft letter as well as a ftc identity theft report. According to the federal law XXXX has 4 days to block the identity theft account from my credit report but they have failed to do so. It has been well over 4 days and XXXX is refusing to comply with the law. I also have a tracking number to prove that the notice was delivered to XXXX. 

Tracking number for experian : XXXX Tracking number for Receivable recovery : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Public record information inaccurate

Complaint:
My name is XXXX XXXX. On XX/XX/2021, I obtained a copy of my credit report. I discovered inaccurate information. I tried to reach out to XXXX XXXX which has an account with Portfolio Recovery. I was unable to attain any information regarding this account. I did not sign or authorize any documentation with Portfolio Recovery. I have no debt with this company. I am demanding and requesting documentation and proof of all contracts signed, as well as statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Midland Funding is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations.. Yet on the credit reporting they have wrong dates and they are showing I made a payment in 2015. That is absolutely erroneous. The debt is past the statute of limitations and them continuing to update false information on my report is a violation of the FCRA. I have contacted my attorney as well.

Company response to consumer: Closed with explanation