BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: The Nguyen Law Firm, PLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a notice from a debt collector on behalf of XXXX XXXX, XXXX , XXXX XXXX XXXX, XXXX. for {$300.00}, which includes a principal of {$230.00} + Attorney 's Fees : {$77.00}. The attorney 's fees are being incurred at the expense of the agency seeking further payment and XXXX XXXX XXXX will not be paying these fees outside of what my insurance allowed. I, XXXX XXXX XXXX do not deny or confirm that this debt is a valid debt. I have no knowledge of how this matter was coded or billed. However, I do acknowledge being seen at XXXX XXXX, XXXX, and XXXX  by a physician that constantly mispronounced my name as " XXXX XXXX '' instead of XXXX ( " XXXX '' ). I further acknowledge this bill being paid by my private insurance and in consideration that my quota ( deductible ) has been met, I will not pay or advise further payment from any other source, including but not limited to Worker 's Compensation benefits managed by XXXX XXXX XXXX, wages, retirement benefits, housing, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/2022, I received a credit alert from Experian Credit Reporting that XXXX reported a new student loan onto my credit file. That same day I also received a credit alert from Experian that XXXX also reported that this same student loan 's previous " credit limit '' was {$10000.00} however the " credit limit '' was " reduced '' to {$4100.00}. Due to the incorrect information being reported by Aidvantage ( reported this student loan account as having a credit limit ), this decreased my credit score with Experian substantially, by almost 20 points when the " credit limit '' was " reduced. '' A telephone number was provided on my credit file for Aidvantage ( XXXX ). When I called this number, an automated system let me know that this number was to verify employment with federal workers. Not only had XXXX incorrectly reported information on my credit file ( reported a student loan with a credit limit ), it also lists an incorrect telephone number to get a hold of this student loan servicer. I then looked up XXXX 's telephone number online and spoke to several reps, including a manager who hung on on me. The reps told me to send in a written dispute, however, did not give me any information as to where it should be sent. They also refused to give me their credit reporting department 's telephone number.

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 2022-02-09
Company: DISCOVER BANK
State: CT
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:
I attempted to close out my Discover credit card account in XX/XX/XXXX and as I was reviewing the balance, the representative mentioned interest on a cash advance. Knowing I rarely make cash advances, I questioned it and after speaking with a second person I was told it would be reviewed and I would get a call back. I never did so I called again XX/XX/XXXX and was told that there were 2 cash advances for {$40.00} each XXXX in XX/XX/XXXX and 1 in XX/XX/XXXX and that the interest on them is $ 23.8 % and that none of my minimum payment was applied towards this and that it is their practice to apply the minimum payment towards the lower interest charges and only additional payments are applied to the cash advance purchases and if no additional payment is made then the cash advance just collects interest. 
I questioned how they can allow a customer to collect 23.8 % interest on {$40.00} for 7 years with no reduction and 23.8 % interest on another {$40.00} for almost 5 years with no reduction. The lady just apologized and said she would note my concern but what they can offer is 3 months of credit on the interest. 
I feel Discover is very misleading and the practice makes it difficult for people to pay down their debt especially not knowing this is how the payments get applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: IL
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:
My information was. In a data breach and multiple accounts were opened in my name I have disputed these accounts and they are still not taking it off my credit

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 2022-02-09
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX, I mailed a certified letter requesting the validation of alleged debt owed and the collection agency has not responded. It has been well over the XXXX day debt validation investigation requirement set by the FDCPA, they have not verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: OR
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:
Equifax information services, XXXX and XXXX are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX XXXX  XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX  XXXX  in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with Equifax Information Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX I informed Direct Express and Social Security that my Direct Express card was lost and I needed a replacement. Social Security reported they cancelled the card and would replace it with a new card which would take 7-10 business days. 

I contacted Direct Express after a week and they reported they needed a XXXX Consent based process to begin form with Social Security I contacted Social Security and they told me they don't do this anymore. They requested an ID, Social Security Card and Birth Certificate which I do not have as they were lost also. My Case Worker provided a copy of my ID and it was not acceptable without a copy of the back of the card. So this process ended. 

I received letters dated XXXX and XXXX from Social Security stating it would take 1-2 months for the money to be transfered to the new card. I contacted Social Security again by phone regarding the letters and was told Social Security has nothing to do with Direct Express. 

I contacted the Social Security office XX/XX/XXXX by phone with my Case Managers and I was informed it would be 3-4 weeks before I get my card and Social Security is depositing regularly to the new card. 

Wednesday XX/XX/XXXX My Case Manager and I contacted Social Security to report my concerns that I am unable to access my money with Direct Express. The representative denied that Social Security has anything to do with the process yet the letters explain the length of time 1-2 months that they take to deposit to a new financial card. After I read the letter to the rep she looked further into the problem and assured me the card should come soon. 

Friday XX/XX/XXXX My Case Manager and I attempted to call Direct Express, after waiting on hold for approximately 30 minutes we reached a representative. We were told Direct Express could not help me until we contacted Social Security and filled out the consent form. I tried to explain that the Social Security Offices were closed and I was unable to complete the form. Social Security had already informed me that they no longer use that consent form. 

Social Security did inform me by letter dated XXXX stating my social security number is in my name which was the verification they asked me for. 

I do not have my card and am unable to pay my bills. Thank you for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I went through Loan Depo for a refinance. Loan Depo choose XXXX XXXX to complete the appraisal process for XXXX XXXX XXXX We called to schedule an appraisal but were told by a representative from XXXX XXXX to go online and schedule. So we went online to schedule the appraisal but weeks went by before we heard back from anyone to confirm the appraisal date and time. we had to call XXXX XXXX many several times and still no response from the appraiser or when the appraisal would take place. Finally, the Lender contacted XXXX XXXX, and we contact a supervisor to get a response. Finally, we heard back from the appraiser. The appraisal was scheduled in two days and completed on XX/XX/2022. Two days before the appraisal deadline was set to expire per Loan Depo. The appraisal come back weeks later and we found many inconsistent issues with the report. So we contacted the appraisal company and asked the representative to ask the appraiser to answer some of the concerns we had just to understand why he used the information on the reports as he did since the report did not provide detail. As well as, to understand and get clarity. We again have no response. So we drafted a letter of our concerns and sent that to Loan Depo. Loan Depo put in a request to XXXX XXXX and the appraiser did not address any of our concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address inaccuracies in my consumer credit report issued by Experian. After identifying errors in personal information such as wrong addresses, an incorrect last XXXX social, employment details, personal cell phone, date of birth, and an inaccurate full name, I promptly notified Experian in writing. 

However, their response indicated a mere verification of the information, which was not my request. I explicitly asked for the removal of the inaccurate details, backed by proper documentation, including my social security information, military ID card, and proof of address. 

I kindly request your immediate attention to correct these inaccuracies on my Experian consumer credit report. Your prompt action in resolving this matter is greatly appreciated.

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 2020-03-05
Company: BARCLAYS BANK DELAWARE
State: CA
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:
In XXXX I signed up for a Barclay Cards XXXX XXXX branded card as I knew I would like to travel and accumulate miles through either paid travel or through the use of their milage program. I also signed up for the XXXX XXXX XXXX XXXX card a few months later. I've been a loyal customer of both banks for the past 6 years, never once any issues with paying the accumulated debt. I had built up over XXXX miles with XXXX XXXX through various means which included normal spending on the 2 banks credit cards, opening a checking account, etc. In late XX/XX/XXXX my XXXX XXXX account was frozen, in XX/XX/XXXX I received an email from XXXX XXXX that my account was not canceled and all of the miles I had worked to earn was gone. I have since closed my XXXX XXXX  accounts as they are pointless to have and tie up available credit. The Barclay Cards account is still open and I was going to close it once I had paid off the balance. However, I'd like to know if there is anything that can be done to have my XXXX XXXX restored. I was trying to buildup the miles to use in my retirement and now I have nothing.

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 2023-08-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My CD with Chase Bank in XXXX XXXX matured on XX/XX/2023. I spoke with my Private Client Rep, XXXX XXXX, & advised her to transfer my money, ( {$20000.00} ) into my checking account so I can pay a few bills & buy some stock. It's been 8 days since, & nobody seems to Know where my money is. I've spoken with approximately 12 people every day, several times a day, for at least 5 hours. I have over {$200000.00} tied up with this bank & still nobody has a clue where it is. Each person I talk to assures me that my funds will be available that day or the next day. Still no answers... .PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These inaccuracies have a significant impact on my financial standing, particularly my chances of owning a home. I understand that errors can occur, and I have researched the dispute process and acknowledge the required investigation timeframe of thirty days. I am puzzled as to how your bureau verified these accounts while other bureaus have successfully removed them due to errors. Therefore, I request the immediate deletion of these accounts from my file. The following errors have been identified XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2020-12-17
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax will not provide my free credit report through XXXX They are requiring me to pay additional money because they are requiring me to mail something in by USPS and make copies of my personal documents in order to supposedly access my credit report. The other credit bureaus on XXXX have returned my report without any issue. Only Equifax is stonewalling and violation the law and regulations governing free online access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I understand that errors can occur, but these mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. The other bureaus have already honored my request to remove the late dates and negative status of this account. However, your bureau is the only one that has not updated my payment history. I request that the late payment markings be updated to reflect my accurate payment history. I have identified the following errors in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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:
Transunion refused to delete fraudulent inquiries reporting from XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. Transunion customer service would not help and take care of the fraudulent negative inquiries reporting to my credit report.Transunion file number is 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 2023-11-28
Company: Experian Information Solutions Inc.
State: CT
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please remove these files. 
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 explanation
Consumer complaint received 2019-10-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I was looking for a loan.I pulled my credit report and under loans that I pre qualify for is One Main Financial.I filled out info online and was approved.They called me and said I have to come in there office at XXXX XXXX XXXX, XXXX mi.,XXXX and to bring documents including Car title.After the loan officer ( XXXX XXXX ) took my info she said this loan is a unsecure loan but need a copy of title.ShXXXX took my title and never gave it back and told me that they will mail your title back to you.After signing, XXXX said this ia car loan.They lied to me.I never received my title to this day.The day I signed documents was a very hot day and the loan office air conditioning brokXXXX down and was rushed to get loan done.Just recently, I had someone look at this loan and was told, this loan is a very bad loan and its secured.This whole time I thought this loan was unsecured.And because this is a bad secured loan, My auto insurance rate has gone up.Therefore, this loan is very bad and should have read everything in detail and should of declined offer.Therefore, they lied to me to sell the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted this company several times. Each time my request is the same. I requested the removal of comments from an account. 

This is a violation of FCRA!

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