BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-02
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
LexisNexis has been notified of mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX COMPLAINT Violation : The three credit bureaus within the past 30 days has stated LexisNexis has provided my information that is under a security freeze in violation of Florida 501.005. 

The 2018 Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS Chapter 501 CONSUMER PROTECTION View Entire Chapter 501.005Consumer report security freeze. 
( 1 ) For purposes of this section, a security freeze means a notice placed in a consumer report that prohibits a consumer reporting agency, as defined in 15 U.S.C. s. 1681a ( f ), from releasing the consumer report, credit score, or any information contained within the consumer report to a third party without the express authorization of the consumer. This section does not prevent a consumer reporting agency from advising a third party that a security freeze is in effect with respect to the consumer report. For purposes of this part, the term consumer report has the same meaning set forth in 15 U.S.C. s. 1681a ( d ). 
( 2 ) A consumer may place a security freeze on his or her consumer report by : ( a ) Making a request in writing by certified mail to a consumer reporting agency. 
( b ) Including information that properly identifies the consumer. 
( 3 ) A consumer reporting agency shall place a security freeze on a consumer report no later than 5 business days after receiving a request from the consumer. 
( 4 ) The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within 10 business days after instituting the security freeze and shall provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the removal of a security freeze on his or her consumer report pursuant to subsection ( 5 ) or subsection ( 11 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Incomm Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The name XXXX appears on the documentation because I purchased the card for a relative. 
The only response from the XXXXisa Vanilla company is to contact their automated telephone system again and again which is useless. 
I have changed my pin on the card numerous times and I still can not use the card. Even bypassing and attempting to use the card as a credit card does not work. 

I again changed my PIN number to XXXX before trying to purchase something. 

Very very recently. I tried to make purchases at XXXX XXXX supermarket in XXXX, North Carolina and each attempt failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX XXXX XX/XX/2017 CHASE CARD Bank XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: ECMC GROUP, INC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
For the last 10 years I have been in communications with ECMC ( Educational Credit Management Corporation ) and its debt collector XXXX XXXX XXXX. Most recently the harassment has been several times a day, receiving 2, 3 and 4 envelopes in the mail every day, email and phone calls from ECMC, yet they refuse to process or even acknowledge the thousands of letters, emails, phone calls, forms, etc I have sent them in the last 10 years disputing the student loans, and requesting a hearing. I have spent hundreds of dollars in countless mailings, by sending them the forms they require for disputing the debt over and over and over again. They have refused to process any of my forms, have no records of my treasury offsets for 5 years, have no record of the payments I made on the loan, and have exponentially increased the face of the loan by refusing to process anything I send. I now dispute the entire debt, and all Federal Loans. ECMC have refused to schedule a wage garnishment hearing, even though they are required by law to schedule one. They have blocked my email and phone number, and continue to harass me on a daily basis. My degree was a worthless con job and fraud, in a field where I am blocked from employment because the degree I earned is no longer a recognized degree, and my state will not allow any of us to be employed as per their laws and regulations. I have been displaced from the workforce for 12 years, and have only earned a max of $ XXXX {$15000.00} or less annually each of the last 8-10 years. They continue to harass me with wage garnishment letters. Taking out a student loan was the biggest mistake of my life. I have attached the threat to garish wages mailing that I receive every day. I have sent the forms back dozens of times, and they continue to refuse to schedule the hearing.

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 2021-01-06
Company: Selene Holdings LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance refuses to take action on our debt affirmation from 2015 bankruptcy. They are placing fees for driving by the house to ensure that we are there and doing the best to keep us from refinancing which we are in a position to now do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 called them on XX/XX/XXXX when the flood of illegal charges began. It started with over {$1000.00} and {$200.00} worth of XXXX and doordash was illgeallly ordered since I saved my credit card on their site. XXXX has a saved conversation of the thief talking with the seller and doordash has the home address of the thief. I contact baked if america and told them everything onXX/XX/XXXX was not my pitches and it had over max my credit card. Please help I am desperate of help I need this card to be fix of credit fraud charges. Bank of America told me to wait 2 days for report and have yet to receive and report for a while. Please help as it looks like they think I order all of this but I definitely did not ... .I dont know what to do anymore

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 2020-07-12
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes XXXX XXXX XXXX ( XXXX  ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state XXXX has been actively pursuing collection of the above-referenced account. However, referencing a XXXX  letter I received in XXXX, and furthermore attached page 8 of my Experian report, page 2 of my XXXX  report and lastly, page 3 of my XXXX  report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile. 

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information. 

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting XXXX remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received over XXXX calls between XX/XX/XXXX and XX/XX/XXXX. Its an automated message that doesnt make much if any sense. I finally called them and reached a human. Was unable to obtain any information as to what this is related to. I do not claim ownership of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
And accordance with the fair credit reporting Act XXXX account # XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank processed an XXXX XXXX XXXX in my name. I received an email with a reference number and a link to details of the card. I clicked the link and entered my private information correctly and it said my info was not matching their records so that's when I knew it was sketchy. I called them and they were very unhelpful. Synchrony Bank is a very low budget sketchy creditor. I NEVER gave them permission to check my credit nor would I deal with these people.

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 2020-06-03
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have used XXXX  for over a year and now PNC has blocked it and I can no longer access my account with the XXXX  app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I never received the {$150.00} Captial One bonus after spending {$500.00} in the first 3 months as advertised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried getting a payoff on my mortgage since XX/XX/2021. So far the company has not provided it. I ordered it online in XXXX. I did it over the phone with the title company on XX/XX/2021 via 3 way phone call. I tried online today and the message said it would be mailed in 5 days. I called today and was told it will be faxed in 2 hours. 
I just need a payoff I have sold the home it is closing on the XXXX and this incompetent company will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I am writing for your assistance in resolving an issue with American Express. I own two Delta-branded products from American Express ; the Delta Gold and Delta Platinum cards. Year-to-date, I have charged {$31000.00} on the Gold Card, and {$28000.00} on the Platinum card. My issue is having American Express credit mileage to my Delta Skymiles account. 

From XX/XX/XXXX to XX/XX/XXXX, I spent over {$25000.00} on my Gold Card. This resulted in Delta waiving the MQD ( medallion qualifying dollar ) requirement toward my elite status with Delta. In XX/XX/XXXX, I applied for and was approved for the Platinum Card. 

As part of a promotion, I received XXXX bonus miles and XXXX MQMs ( medallion qualifying miles ) when I spent more than {$4000.00} on the card in the first four months. I reached this threshold in XX/XX/XXXX, and the bonus miles and MQMs were credited to my Skymiles account. 

According the cardholder agreement, I am supposed to receive an additional XXXX bonus miles and XXXX MQMs when I spend at least {$25000.00} on the Platinum card during the calendar year. I have reached the spending threshold but have not received the bonus miles or MQMs. ( To clarify, I have spent at least {$25000.00} on each of the cards this year, for a total of {$59000.00}. ) I confirmed with American Express the end of XX/XX/XXXX that I am eligible for the additional bonus miles and MQMs based on my Platinum card spending, but they have failed to credit my Skymiles account. Multiple calls to American Express and Delta have been unsuccessful in resolving the issue. 

Customer service reps seem confused by the fact I have already received XXXX MQMs this year ( in XX/XX/XXXX ), but that was a result of a separate promotion based on card spending in the first four months. I am absolutely eligible for the XXXX  MQM bonus as a result of spending {$25000.00} during the calendar year. The language in the cardholders agreement is clear and unambiguous. I am frustrated by American Express failing to honor the terms and conditions of the cardholders agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Avant Credit Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am currently finished paying a loan-off that I have had for 48 months. At the end of my loan i noticed i still had a remaining balance of {$1500.00}. I called regarding my loan a year ago because the balance wasn't adding up to be paid off according to the payments i was making. They told me I wouldn't owe a balance and that I would have. resolution team reach out to me via email to tell me what was owed if I had anything owed. When I initially got the loan the company accidentally set my loan date on the XXXX instead of the XXXX. XXXX asked me to call in and had the date changed in order to have my payments come out on the correct date due to their error. At no point was I told that I would have a balance left or I would have to pay anything extra at the end of my loan. If I would have known that my payments should had changed in order to fit paying off the balance on time. XX/XX/XXXX should have been my last payment. I called in XXXX of XXXX to verify if something changed as far as my balance and I was told that they did not see anything at that I would receive and email. This is not fair to me. I was proactive and you are not able to speak to an supervisor they make you wait for an email. have never missed a payment and been on time. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}

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 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. XXXX failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting. nobody wants to grant me a loan because of this. 

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 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 2022-10-12
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Navient Solutions, LLC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated XXXX XXXX Date Opened : DATE XX/XX/2002 I don't have contractual relationship with this company. I don't recognize this Account. Please provide me the name and address of the original creditor. 
Account NumberXXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Tennessee, Contracts, oral or written, and Promissory Notes have a statute of limitations of 6 year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
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:
On XX/XX/20 Experian business CRED. has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 non-monetary relief