BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I sent Department of EducationXXXX a certified letter disputing XXXX ( XXXX ) loan accounts. 
Amount # XXXX {$5500.00} Amount # XXXX Department Of Education has " No Permissible Purpose ''. Also they have infringed upon my right to privacy as a consumer, which are both federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I didn't authorized a hold of {$260.00} from XXXX XXXX in XXXX, Georgia. My card evidently being held previously, or being used by a family member. I don't know have a clue! I know why American Express won't stop this transaction when it is on hold. I need to pay for my for my XXXX medicines. This is the second time filing a complaint against American Express Serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
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: Account information incorrect

Complaint:
This complaint is in regards to the XXXX XXXX XXXX Account number XXXX opened on XX/XX/XXXX is factually incorrect. The vehicle regarding this loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account from my credit file. 
According to the rules and guidelines of the FCRA, monthly should not exist after a repossession has occurred.

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 2022-02-04
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the federally protected consumer and natural person enforcing my federally protected rights. I have more evidence which shows American Credit Acceptance in violation of my rights. 

I previously submitted an affidavit of truth to American Credit Acceptance sent on XX/XX/2021, received by American Credit Acceptance on XX/XX/2021. This Affidavit of Truth went un-rebutted. 

I then sent a Notice of Opportunity to Cure and Notice of Default alongside an invoice to American Credit Acceptance. 

The response received left me injured as American Credit Acceptance used so much obscene and profane language by alleging that I owe an alleged debt, and stating unless I made a payment towards this alleged obligation they would repossess the vehicle, although they have yet to provide proof of the obligation which has caused so much anguish and mental stress. 

I am truly saddened to have experienced the torturous business practices of American Credit Acceptance. It is with regret that due to the willful noncompliance and continuous violations of my rights, I may never do business with American Credit Acceptance again. This is my final attempt to resolve this matter before litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
When I investigated my credit report, I realized that some of the information was erroneous. There is no name associated with this file & needs to be deleted due to inaccurate information XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-01-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter from Synchrony Bank dated XX/XX/2022 stating that I requested to open a PayPal credit account on XX/XX/2022. 

I did not attempt to open a PayPal account on XX/XX/2022 nor have I ever applied for a PayPal account or any account with Synchrony Bank. 

The letter simply says we were unable to verify your identity but there is no contact information, phone number etc for finding out more about this alleged application or request to open an account.

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 2021-02-03
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom it may concern, I have an problem with Chase Amazon credit card. I was carrying a high balance on this card for some time. My account was in good standing. I received a bonus check around the end of 2020 and decided to use that bonus money to pay down this credit card bill. I paid approximately XXXX and brought that debt down and Chase briefly made that credit available. 

There soon after Chase reduced my credit line to approximately XXXX My issue is will show up as a decreased credit by a CC company and not a valid debt satisfied. One is beneficial to my credit rating the other is benefit to to Chase. I believe it is the policy of the Chase card to unfairly decrease my credit and keep me from enjoying the improved credit rating and further Chase will refer to the decreased credit rating to charge a higher interest fee or penalties. 

Can you assist me with this matter and tell me if I am able to address this in any way? 

Thank you, XXXX XXXX documentation available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cash app user name is : $ XXXX My phone was stolen earlier this month ( XXXX ) and I filed a formal police report, I was able to recover my phone and once I did, I noticed several funds missing from my cash app account. I then reviewed the itemized transactions and I noticed that I same individual that stole my phone ( XXXX XXXX ) was listed on several of my cash app transactions along with another individual that I don't know named ( XXXX XXXX ) my phone was used to iniate funds transfers from my cash app account to XXXX XXXX and XXXX XXXX for a grand total of {$2100.00} my account was almost completely wiped out. I immediately filed a police report and contacted cash app with the confidence that they would investigate the matter and issue my funds back to me, and per federal guidelines provide a provisional credit for the funds while the investigation is ongoing. I have not been contacted by cash app requesting any further info from me, they haven't asked for a police report number or anything whatsoever. I'm not sure how they can possibly conduct an investigation with very little information. If that's the only info they want to conduct an investigation then it's virtually impossible to not approve my claim and resolve it in my favor because any other outcome besides that would advise me that no investigation could have possibly been conducted and I would hate to find out that they just deny most claims without any type of investigation. I demand some answers, I request and demand a provisional credit while the investigation is in process. I've also submitted an affidavit stating that I had nothing to do with these funds leaving my account and these transactions were completely unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir I wish to complain about my escrow account from XXXX and XXXX which was reported from Wells Fargo a {$7200.00} shortage. 
When I first learned of this issue this year, I immediately contacted Wells Fargo on XX/XX/XXXX, and was told that they would start investigating my escrow account from the past two years. I paid last years shortage, but when this year was short as well a red flag went up. However, now we are approaching XX/XX/XXXX with no progress resolving the issue. My mortgage has a {$500.00} increase with the new calculation from Wells Fargo. I am looking forward to your assistance in this matter. 

Sincerely, 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 2021-02-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email about a problem with my XXXX acct. There was a balance that needed to be paid so I contacted the number on the email and followed instructions to set up my bank to pay. I was instructed to enter my bank acct # and was asked to perform " TESTS '' which deducted payments from my bank to two names and emails. Two amounts XXXX XXXX XXXXere sent to XXXX XXXX XXXX, XXXX, and XXXX  amounts XXXX, XXXX  to XXXX, XXXX. I was instructed to perform these transactions under the understanding I was fixing the connection to pay my bill. My bank said since " I '' made the transactions they went through and the money is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have grown tired of Experian not following the law and the CFPB not requiring them to follow through adhere to timelines and follow Fair credit reporting laws as well. 

Attached is proof that they have received my dispute along with all of the evidence they keep asking me for that I keep providing that is breaching my identity even further. I have uploaded mailed faxed and emailed copies of identification and everything that they have requested from me with evidence attached that they have received it on XX/XX/XXXX. They have failed to respond to multiple complaints thoroughly or investigate them thoroughly. I have contacted a lawyer because they are the breach of my data and why my identity was stolen.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: TX
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:
Please note that I am the author of this complaint This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list below was violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX  : # XXXX, XXXX  XXXX # XXXX, # XXXX XXXX  / XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX/dept of ED # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than SEVEN YEARS 15U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Mobile phone was compromised and there were 3 separate XXXX  transactions that was made using my mobile account. I called chase to report the situation the next day. Transactions are : XX/XX/2021 - {$820.00} XX/XX/2021 - {$400.00} XX/XX/2021 - {$780.00} After reporting, Chase locked my online account and filled a claim. They confirmed that my account has been compromised and that I will receive a refund within 10 business days. I had to create a new online account and change my username and password as instructed. Today, XX/XX/2021, I called to follow up with Chase and said my claim has been denied due to transaction happened with XXXX. I escalated the claim to the claims supervisor and was told that they can not do anything or refund me because there were no suspicious activity that they can see on their end. The claims supervisor asked me to file a complain with CFPB if I want to but they are not going to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 7 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. 
I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX The second company was XXXX and was late only 3 payments. 
I was late XXXX, XXXX, XXXX XXXX I think the fair solution would be to take all of the late payments off because it WAS IDENTIY THEFT. The theft destoyed my life and I want it back! My mom is XXXX XXXX XXXX and I need to take care of her but I need my credit back.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX 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, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} ARS ( Original Creditor : XXXX XXXX XXXXXXXX SVCS XXXX XXXX XXXX Balance : {$330.00} ARS ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior XXXX certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

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