BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I reached out to Experian XX/XX/16 to update my personal information and delete old and outdated information that was reporting on my consumer report a couple addresses and jobs XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX They only detected the job so could you tell me why was the job deleted but not the out dated addresses I would love to here the excuse better yet no I wouldnt As a Consumer, I have certain rights and my right to privacy has been violated. I did not give them or anyone else Permissble Propose by law to report, sell or furnish any of my private information to any third-party reporting agencies. My rights have been violated according to XXXX law 15 USC 1681b ( 2 ) this is identity theft better yet Aggravated identity-theft I would love for you to step in and hold them to the law Delete this inaccurate reported information never to return again

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Someone other than me tried to open a store credit card in my name through XXXX, XXXX XXXX, XXXX and XXXX. I believe only the XXXX XXXX charge was accepted, and that card was used for over 700 dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. XXXX and TransUnion require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with XXXX XXXX and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.

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 2017-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America 's vendor cut down a tree at my house and I was charged for the cutting and removal thus the charge increased my mortgage balance. I was charged for the cutting and removal. The tree has been laying on my property for months ( see attachment ). I was told that the tree would be removed months ago, but nothing has happened.

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 2023-02-02
Company: EQUIFAX, 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 asked to have an account with XXXX verified ( {$4600.00} ) as I could not contact the creditor to verify the loan amount reported. I found out recently this company/creditor does not exist and the account is still not verified or updated with accurate information by the credit bureau XXXX Other credit bureaus have removed this information due to inability to verify accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: LA
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 reporter act XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 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 your account without my written instructions.

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 2021-05-20
Company: AES/PHEAA
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with FED LOAN and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that FED LOAN claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. FED LOAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Credit report agencies are reporting different information about an account on my credit report. They are reporting different " last reporting dates " and after the account shows that it had been charge off one of the agencies is still reporting OK Payments after 2 years that the account had been Charge Off..

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 2022-08-10
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:
back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports

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 2022-01-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian, XXXX XXXX XXXXXXXX, XXXX, TX XXXX Experian has been wrongfully reporting wrong information on my credit report. I have been disputing this Bankruptcy information for over six months. They buy information from a third party called XXXX XXXX which is very inaccurate.I will follow up with this matter with the NJ attorney general. New Jersey Bankruptcy court does not communicate neither provide information to the 3 credit Bureaus. I have attached a court document to prove my case. In addition, I attached a utility bill.

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 2023-02-04
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, XXXX and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of ED/Aidvantage . My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from Aidvantage thus zeroing out these amounts with Aidvantage. 
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under Aidvantage that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the Aidvantage balance should be XXXX. 
My XXXX report shows the correct XXXX amount of XXXX and an Aidvantage balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the Aidvantage balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and Aidvantage balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and Aidvantage balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED AIDVANTAGE to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and Aidvantage reported the same information that I have relayed here. Aidvantage reports that my loans have been transferred from them to XXXX and are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Aspen National Financial, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls from this company saying they are attempting to collect a debt. I have no debts. I called them back at their call back number to request the stop calling. An individual by the name of XXXX XXXX spoke with me and said I would have to send them a letter stating I have no debts. XXXX XXXX then tried to obtain personal information so I terminated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2023, I received a notification from Chase bank that a new wallet account was successfully set up ; I did no such thing, so I immediately logged on and saw XXXX pending charges ( in XXXX no less ) that totalled {$4500.00}, so I immediately called the bank to report the fraud. It was the same day, and Chase set up an investigation. I have never withdrawn money from my account so egregiously. They credited my account, but then concluded that I authorized these charges. They then took back the money, including exchange rate fees, and overdraft fees. My account stands at a negative balance and Chase is threatening to report this to XXXX or more reporting agencies. 
I have spoken to supervisors, filed identify theft report, a police report, and am waiting a second investigation. However, I've had to open new accounts elsewhere, totally disrupt my life, and take XXXX in order to deal with what seemed to me to be a fairly obvious appropriation of my debit card. 
It's going on XXXX month of this back and forth with Chase. I've been with them for over 10 years and a quick review of my accounts would reveal that I've never spent money so frivolously or put myself in such jeopardy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-01-31
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: Account status incorrect

Complaint:
I had an account, in collections, that was paid in full, but it is still showing as open on my Equifax report. I contacted the collection agency to verify and they told me it was a reporting matter on Equifax. I contacted Equifax to resolve the matter but I have not heard back from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On or about XX/XX/XXXX, a retail installment agreement was made between XXXX/Bridgecrest and XXXX XXXX XXXX XXXX The agreement included GAP insurance which covered and indemnified the full amount of the retail installment agreement. The vehicle named in the retail installment served as collateral along with the security interest in the note which subsequently turned into a security after 9 months. Bridgecrest executed an involuntary repossession on the vehicle on or about XXXX XXXX. However, after a vehicle title search and UCC 11 search, Bridgecrest had not perfected title nor security interest via perfected lien, on the vehicle. Additionally, after further research, Bridgecrest received indemnification of the retail installment contract via the GAP insurance payment filed by Bridgecrest on or about XX/XX/XXXX thus eliminating any monies that may have been alleged to be due on the contract. However, in XXXX, after filing numerous complaints against Bridgecrest, Bridgecrest continued to assert that there was a remaining balance outstanding on the contract ( See responses to previous CFPB complaints by BRIDGECREST ). These responses evidenced Bridgecrest 's failure to properly address the concerns raised in both complaints by victimizing the complaintant with a recitation of the history of payment transactions with no evidence provided for such transaction history. 

Bridgecrest also failed to properly file a 1099C with IRS, and forward the appropriate documentation per tax codes and IRS policies, as the alleged debt was over 3 years old and had been " charged off '' according to Bridgecrest 's accounting records. Bridgecrest has also violated the Security Exchange Act by not properly reporting the security transactions it engaged in, and failing to disclose such transactions per TILA. Bridgecrest has also failed to provide me with the full accounting of this contract according to GAAP and GAAS, despite numerous complaints and requests to do so. Bridgecrest has been willfully negligent and violated federal and state laws, along with violations according to the Securities Exchange Act. ( The latter will be reported directly to the SEC ). BRIDGECREST further violated by executing an involuntary repossession on a vehicle in which they had not perfected a security interest nor title, thus committing fraud and theft just to name a few federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Principal reason Im writing this complaint is to have the 30 day late removed from XXXX Transunion, XXXX 

XXXX credit card reported a 30 day late for the month of XX/XX/2020. 

This was during the pandemic and since we in NYS were under a stay at home : " On Sunday, XX/XX/XXXX, all non-essential businesses statewide closed when Governor XXXX announced the " New York State on PAUSE '' executive order. '' It made it extremely difficult to make a payment, XXXX was under seige by the cornavirus with people XXXX everywhere. 

Below is the order issued by Gov. XXXX. : https XXXX XXXXpause I tried to explain and also written a letter to XXXX regarding the situation and they would not remove the late from all the credit bureaus. 

This is unfair for a lender and credit bureaus to report a late during a city and state lockdown. I would like it removed as its damaging my credit score. 

Note : Account is currently open and in good standing.

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 2021-03-05
Company: CrossCountry Mortgage LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX We refinance our home with CrossCountry Mortgage LLC this was a Cash out when we close with the title company Cross Country told them to give us all the money but to hold back {$2400.00} and that CrossCountry would put it into Escrow. When I notice that we were missing {$2400.00} I call CrossCountry and I was told yes we have it in Escrow. I told them to send me the funds ASAP. I never got it. So as you can see I have written them 10 times begging for our funds. then in XX/XX/XXXX I sent the head office of CrossCountry a letter telling him that if I did not get our {$2400.00} that I was only going to send XXXX of the XXXX payment and that they would take the rest of the payment out of the escrow account. So that is what I did XX/XX/XXXX. CC reported to all three Bureau 's that I had missed a payment causing my XXXX  dropped XXXX points. They have cause us all kinds of problems. Then I got a litter from CC telling me that they had raise our payment XXXX because out Property Taxes had went up. Now this was XXXX per month for one year. I went to the XXXX XXXX to see if it was true. that would have ment that our taxes went up {$1100.00} a year. XXXX XXXX told me no you P/Taxes only went up {$61.00} for the hold year XXXX. I sent the head office of CC that they was not to raise our Taxes XXXX each month, that they was to have taken the XXXX out of our escrow account. 
CC just wanted to rip if off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has unlawfully closed my account without reason and held my funds for nearly 3 years which is well passed the 180 days that was promised in the user agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Agency continues to report this closed account.The account was paid and closed several years ago. This action is causing a tremendous damage to my personal credit with continuously reporting an account that was paid as agreed and closed years ago. It would assist me tremendously if you could make an adjustment and remove this negative payments and reporting entry from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One Bank on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Someone used my Home Depot credit card which is underwritten by citibank. They went into the store without the card and charged a {$3300.00} refrigerator. I have disputed this charge multiple times and customer service refuses to return it. They are referring me back to the store, and the store is referring me back to citibank. They are now attempting to sue me for a purchase that I never made. Someone has been using my name for years for the purposes of identity theft fraud. Please see attached FTC affidavit!

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