BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I submitted a complaint with the CFPB on XXXX/XXXX/2020 about the student loan accounts that needs to be removed. In both XXXX  and Experian response they both was suppose to investigate and remove. it has been 31 days since I submitted this issue. The FCRA only allows 30 days. By law this incident should be resolved and the accounts should be removed. I am asking that the CFPB step in and enforce the law that both companies XXXX  and Experian are not following and abiding by.

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 2022-12-26
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681- XXXX XXXX XXXX Account XXXX ... XXXX XXXX XXXX Account XXXXXXXX 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-Account XXXX ALL LISTED COLLECTIONS HAVE VIOLATED MY RIGHTS. 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 an account without my written Instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of Information Another adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. [ 15 U.S.C. 1681 ] [ 15 U.S.C. 1681 ] ( ALSO ) ) ) ) ) EXPERIAN DOES NOT HAVE CORRECT INFORMATION REPORTED AS ( ALSO XXXX HAVE ONE ) THEY ARE THE BUREAUS OUT OF ALL OF ALL THREE BUREAUS ON MY CREDIT REPORT TO HAVE INCORECT REPORTING/FRAUD/IDENTITY THEFT. [ 15 U.S.C. 1681 ]

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 2021-02-02
Company: Navient Solutions, LLC.
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:
NAVIENT XXXX XXXX XXXX XXXX, XXXX {$4600.00} NAVIENT XXXX XXXX XXXX. XXXX, XXXX {$1900.00} NAVIENT XXXX XXXX XXXX. XXXX, XXXX {$1600.00} NAVIENT XXXX XXXX XXXX XXXX, XXXX {$2800.00} The number of times missed which is being submitted on my credit report looks like inaccurate and or confusing. Kindly have data that the particular alleged account was in fact delayed and you have taken the recommended approaches in order to competently find out your allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im listed as an authorized user on a capital one credit card account I have never used nor had or was aware that I was listed as an authorized user. I have contacted capital one the last 2 years concerning this because this is not right. Nothing has been done. I want this removed from my credit, I dont know the card holder at all who do obtained my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have XXXX hard inquiries pull without my authorization made on XX/XX/XXXX Capital one XXXXXXXX XXXX XXXX XXXXXXXX ( hotel and travel )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Block, Inc.
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023. I had {$600.00} fraudulently taken from my cash app account. At XXXX XXXX and XXXX XXXX {$600.00} was taken out of my cash app account but they refunded it for my protection then again at XXXX XXXX {$600.00} was taken from my account and then that's a transaction go through they didn't protect me I disputed it I gave him my IP address on my device identifiers everything to show they're fraud department that I didn't make the transaction it was fraudulently done it was on authorized transaction I didn't approve it I didn't do it and I want my {$600.00} back. I made a complaint with the FCC with the XXXX XXXX XXXX and I'm making one with you I also made one with cash app and they pretty much denied my dispute on XX/XX/XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Always had money missing or overdraft fees I could never explain. Would Have a certain amount money at one point then my account would be overdrawn. It was a lot of unexplainable activity going on in my account for years.

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 2023-04-28
Company: EQUIFAX, 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX Account # XXXX, has violated my rights.

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 explanation
Consumer complaint received 2021-11-03
Company: Square Inc
State: CA
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:
i have been using the XXXX XXXX app for aproximatley 5-6 years, the last 4 years I have used the tax portion of the appt to do my taxes, here is why : 1. its easy 2. its free I Recently went in the XXXX XXXX app to pull up my Tax Documents from previous years due to me being in the market for buying a house. 
Know Credit Karma Prompts me to download the Cash App Tax app to get my Tax Documents. 
XXXX HAVE NEVER AUTHORIZED XXXX XXXX  TO GIVE MY TAX DOCUEMENTS TO CASH APP TAX*** This is very concerning to me. NOT only have i wasted days trying to recover my Tax documents form Cash App they are giving me a run around to get my Tax documents, and i still have not received them. there is a section on the Cash APP Tax app that list " DOCUMENTS '' however my tax forms are not in there. 

i have never authorize XXXX XXXX to give my tax documents to Cash app Tax. i do have supporting screen shots in my phone i can send the screenshots to an email if you wish to provide me with one.

i am already on my 3rd day trying to work with Cash App Tax and still have not received my tax documents. i want to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
citi locked my checking accnt on XXXX and i have NO access to even check transactions or balance ... have spent HOURS and HOURS on the phone and they lie and refuse to help or even tell me what they are doing

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 2018-03-02
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been working from XX/XX/XXXX to XX/XX/XXXX to consolidate my loans with XXXX, and begin to make payments, as well as take part in Public Service Loan Forgiveness ( PSLF ). Throughout this process, I have been consistently given incorrect information. Originally, on XX/XX/XXXX, my estimated payments were {$150.00} per month. The next day, I was provided a new estimated loan sheet, with estimated payments at {$340.00} per month. I awaited the consolidation process, under the guidance that once complete, my payments would be around the {$160.00} per month mark. Upon completion of the consolidation, I received a new document that stated that my payments are effective in XX/XX/XXXX, and are {$280.00}, vastly different than {$150.00} ( the  amount I agreed to previous to consolidation ). 

I called to explain this, and expressed that {$280.00} was a little too high, and that I wanted to make slightly lower payments ( at {$200.00} or less ). Instead, they stated that they had made a mistake on processing my application, and that it should never have been approved as it was. They explained that my payments are to be {$330.00} ( {$60.00} more a month! ). Because I had called XXXX to work out a better payment arrangement, they found their own error and made my payments significantly more. What originally started as {$150.00} per month estimated, had become almost double by the time consolidation was complete. I requested to unconsolidate and go back to lower monthly payments to two different servicers, and was told that was not a possibility. They offered another option stating that it did not qualify for PSLF, at {$470.00} per month. I realized then that they had no intention of handling this issue with me, or considering their mistakes. I hung up with them, letting them know that I was very upset, and this payment was not feasible for me. I live in Florida, where the cost of living is quite higher than it is in other states. My rent, utilities, and vehicle to get to work ( so I can pay them ) were not considered in their payment arrangements.

The next day, today, XX/XX/XXXX, I received another written notification from XXXX stating that my IDR plan had been approved, and my new payments are to be {$340.00} ( another increase in two days ).

I am at a loss as to what to do anymore. Conversations with them go nowhere, as well as make things worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: AES/PHEAA
State: DC
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:
I have loans with MyFedLoan. They have been at 0 % interest for over a year, but I am seeing in my account that I somehow have {$12.00} in interest. I do not understand how this happened and want an explanation or that interest removed. Servicer has been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XX/XX/2019 disputed the account with Experian to investigate the account being opened as not mine after speaking with XXXX XXXX stating the account was not mine. XXXX  responded Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

The information in which was reported did not reflect my bank - phone - etc. The account was opened XXXX/XXXX/2019. I justified that I had an outstanding Identity Theft Report that created and this account reflected around the same time during ID Theft activity. 

Original Creditor is now pursuing small claims in civil court with no justifiable evidence. Please investigate

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 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/1967 SS XXXX XXXX XXXX PORTFOLIO RECOVERY SHOWING ON MY CREDIT PORTFOLIO RECOVERY STATING OPEN XXXX XXXX FOR THE AMOUNT {$740.00} NO ACCOUNT NUMBER NO ORGINAL CREDITOR INFORMATION JUST DESTROYING MY CREDIT MY NEXT STEP IS TO FILE A CASE FOR DEFERMATION OF CHARACTER PLEASE LOOK AT ATTACHMENT NO INFORMATION JUST HURTING MY CREDIT YOURS TRULY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: MECHANICS BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a representative payee for my son. I was told in XX/XX/2021 that I can not have a debit card. I dont live anywhere close to this bank. We live in MO the bank is in CA. Since they took the card away, I now have no access to the account. I want to know why if social security administration authorizes me to take care of this account why does the bank get to make the decision as to how I pay his bills and manage his account. I have managed this account for 13 years and always had access to a debit card. I need access to his account via a debit card and the bank should not be able to tell us we cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: NY
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:
Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter 21 days prior from due date saying I owe such on such date, Account XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX  XXXX XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX charging me for XXXX XX/XX/2022 in addition to XXXX charges, I did not authorize XXXX to charge me. I was double billed XXXX, XXXX, XXXX, XXXX, XXXX, for which XXXX refunded only XXXX and XX/XX/XXXX.I have requested multiple times refunds for those months of XXXX XXXX XXXX, with XXXX denial per their terms and conditions. I maintain my consumer rights have been violated.

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 2021-06-01
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company is consistently blocking me from making payments online. I applied for a forbearance under the Cares Act and brought my loan back current back in XX/XX/2021. Yet the company has a payment block on my loan after I've made multiple requests to have to black removed. I'm not in default nor have I ever been late with payments. The company also denied my requests for loss mitigation efforts and told me I did not qualify. Yet, they never provided documentation nor asked for documentation. I was merely told underwriting did not approve my request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: CA
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:
CRA VIOLATION / NO KNOWLEDGE OF THE 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 explanation