BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: Levy & Associates, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called XXXX XXXX  to get information on an collections account that I supposedly have with them and was told that their company has no information on my account and referred me to Levy Law Firm Co. , LPA. Made several attempts to contact Levy Law Firm Co. , LPA and have had no success. Even though XXXX XXXX says they have no information on my account, they continue to report me negatively on my credit reports. How is it that a company that no longer has access to my account be allowed to do that? This is an unseemly situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/22 I contact Experian to dispute my incorrect my last name XXXX XXXX that was on my credit file. I was told I could not remove the my previous last name because it has to keep the history. I had contacted XXXX the same day and they removed my previous last name with no problem. 

Theyre keeping the last name because its attached to XXXX XXXX XXXX XXXX account that I have no idea who it is it or the creditor XXXX of the collection not on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Experian Information Solutions Inc.
State: SC
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:
Experian still has an AKA listed which I have disputed several times the name listed is XXXX XXXX XXXX which is NOT me nor has ever been.

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 2021-11-22
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX provides cell phone insurance  for lost/stolen or damaged to your cell phones with their US Bank credit card. After reading through the benefit I cancelled my cell phone insurance through my cell phone carrier XXXX. Part of their exhaustive claim process is to include : receipt for new cell phone, receipt for original cell phone, proof the cell phone bill is paid by XXXX XXXX, proof of credit card statement. Once all of this was submitted and accepted they denied the claim stating that the item mysteriously disappeared and due diligence. One could make that argument that anything lost or stolen could fall under this premise. If they would have highlighted these terms consumer could be more wary of a bait and switch scheme. After the claim process was started I received a letter that they will not be offering this benefit after XX/XX/2022 most likely b/c they had hooked enough customers to receive a credit card. I've given all documentation needed for a legitimate claim an am asking they fulfill their obligations. They have stopped communicating with me and are no longer returning phone calls or certified letters ( USPS tracking # XXXX ). My claim # is a XXXX their address is Program Administrator at XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio 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 monetary relief
Consumer complaint received 2021-11-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: GA
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  Balance : {$12000.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX  XXXX Balance : {$9800.00} 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 Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2017-11-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XX/XX/XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted letters to XXXX and TransUnion regarding several outdated accounts XX/XX/2023 and XX/XX/2023. There are several accounts that are beyond the statue of limitation and still reporting that should be removed. The letters were sent certified mail. This is harming my credit and causing me to pay more in interest. The credit bureaus have removed the accounts and then added them further damaging my credit score. This needs to be corrected immediately.

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 2021-11-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was the victim of a scam. I thought I was talking to an associate on social media about doing bitcoin mining. She then put me in contact with someone else on XXXX page name XXXX. I decided to try it and they instructed me to purchase {$3000.00} of bitcoin then had me send to an external wallet that put the funds on this website XXXX. After the funds were supposedly there they started asking me to double my investment amount which led me to thinking it was a scam. I contacted my bank and put in a dispute. I also attempted to try and get them to return my funds but I was advised that Id have to pay {$4000.00} to get the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been with AMEX for a year now, and yesterday XX/XX/21 I tried to do a credit limit increase but they declined. This was not the first time I tried to increase my limit. This is my XXXX time attempting to increase my limit. However, when I logged into my account yesterday, I was eligible for a product upgrade from the XXXX XXXX to the XXXX XXXX. Then, when I logged in my account today, I was able to upgrade my card yet again to the XXXX XXXX. Its sickening how I can get a product upgrade XXXX times in less than XXXX hours apart, but cant get a credit limit increase. Not to mention, the credit limit that I was given doesnt match the status of my card level nor does it fit my basic needs anymore. It was fine in the beginning because I was just getting in. Now that I have proven myself, my request should be granted with no issues. What I have asked for is nothing compared to what I know some people have asked for. Honestly, I feel like AMEX is XXXX. Im not the only person who is dealing with this issue. They give you a bunch of excuses as to why they cant do it, instead of looking at the overall picture. If you can upgrade someones product XXXX, then you can give them a simple credit limit increase. Im beyond frustrated and feel like Im being racially profiled. Also, when I asked for my new card to be shipped out in XXXX to XXXX business days, they cant do it. Thats something else that I dont get because when I switched from my AMEX XXXX to my AMEX XXXX, it was definitely done. Its all the rules and regulations for some customer and changes for a certain group of people and that is what this all comes down to. I have other high limit credit cards so I dont want to continue to hear these same excuses. AMEX tells lies when they say they want to build a relationship with their customers. This only applies for the XXXX race. Im sick and tired of this merry-go-round with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
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 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 2021-04-02
Company: EQUIFAX, INC.
State: GA
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:
Please see Attached FTC report. Its a number of inquiries on my credit file that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On or about XX/XX/2019 Navy Federal restricted all of my accounts with its financial institution stating that I breached contract. In XXXX I allowed my mother XXXX XXXX XXXX to sign into my business online banking and sign a business check on my behalf. XXXX XXXX XXXX at the time and still is due to personal reasons is my power of attorney. Under a Power of attorney no laws or contracts could have or have been breached. Navy federal restricted all of my accounts both personal and business which prevented me access to online banking, daily transactions with my checking and savings account, credit cards and lines of credit. Navy Federal Credit Union is in violation of adhering to GAAP principles and is obstructing the banking system. I have made several attempts to overturn this matter with the security department & have been informed this decision is final. I intend on pursuing this matter also with the Attorney General and the FTC. Attached please find Affidavit of truth and POA that was in place at the time Navy Federal stated that I was in violation/ breach of contract. Navy Federal still has all of my accounts open but I have no access to them but they still want payment on said restricted accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: WELLS FARGO & COMPANY
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:
Apparently there has been a data breach which is the reason why I filed out the identity theft report with the XXXX County Police Department as well as the FTC report because I did not authorize these inquiries on my credit and I need to get these inquiries removed from my credit report immediately.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 they violated my rights. 
Please delete the following items : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.

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 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 contacted XXXX to inform them that they had information on my credit report that did not belong to me. Someone else 's name, address, jobs, and credit info was on my report. I expressed that I had the same problem with XXXX and they found someone else 's SSN on my report. XXXX pulled it from my report and the problem was solved. TransUnion told me that was not possible and to just dispute everything that was wrong and that was the best way to remove it. I did XXXX times and only a few things were removed, but not the names or jobs or most of the credit info. I contacted them many times explaining that the info did not belong to me but they told me that the info they had was what the companies were reporting to them. I called a few of the companies and none of them had any record of me having contact with them. I tried to get them to send something to TransUnion to let them know but they stated that because they had no record of me it was nothing they could do. Finally I requested someone higher in TransUnion call me and I told them what happened. They told me that I had XXXX SSNs on my report and that they would have the one that did not belong to me removed. This was after XXXX months of me trying to tell them that was the case. They sent me a full credit report and to my astonishment they had removed the wrong XXXX. I confirmed my SSN with the man XXXX times before we got off and it was still wrong. They refuse to remove it and put mine back and told me I had to prove my SSN before they would. They only option they gave me was to send a copy in the mail which I do not feel comfortable doing as I am constantly receiving mail that does not belong to 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 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been fighting with this company fair credit and outsourcing since 2019. I have sent police report, and XXXX to XXXX numerous times and this debt is still reporting to my report. I have all receipts that are certified and I am sick of them still reporting to the brueau. I also sent to XXXX the court documents from the courts stating the case was dismissed due to lack of evidence. They need to remove this XXXX from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Meade & Associates, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Meade & Associates XXXX XXXX 2017 after reviewing Credit report I told them that I never wrote a check to XXXX for {$90.00} & {$60.00}. I gave them the last XXXX digits of my social XXXX along with date of birth. I have never had a joint bank account with a XXXX XXXX my wife name is XXXX XXXX. XXXX. They said they could see from the information that this was not me. They said that I would have t contact XXXX to have it removed I did XXXX said as of XXXX/XXXX/2017 that they belong to me if they send me a copy of the checks I can prove these checks are not mine. I contacted XXXX to see were the checks were drawn from spoke with XXXX XXXX said she would Email me or call that was Friday please call XXXX XXXX and tell them to send me the copies of the check and to send info to XXXX to remove from my files. Ps. I told XXXX XXXX never stay on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: MOHELA
State: GA
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 XX/XX/XXXX, I submitted my PSFL Limited Waiver. I received confirmation from Mohela that they have considered my previous unaccounted-for payments to the PSLF program on XX/XX/XXXX. Upon review, I saw that Mohela had made an error. It ended my employment with the XXXX XXXX on XX/XX/XXXX. However, XXXX XXXX is still my current employer. I called Mohela twice and was on hold for multiple hours with XXXX response from an agent. I submitted a request for correction via their secure messaging as well. Finally, on XX/XX/XXXX, I submitted a fax requesting them to correct the stated error. I sent them the supporting documents with my fax as well. I have yet to receive a response from Mohela, and the deadline for the PSLF limit waiver is Monday, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation