BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX 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.

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 2021-01-08
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made two payments by mistake via phone and online service for this specific provider. In effort to fix this issue I asked for a payment {$2000.00} made in error to be refunded. The payment was refunded for {$2000.00} via ACH on XX/XX/2020. My bank statement shows the correct payment made on {$1900.00} was payed and posted on XX/XX/2020. A notice was sent to me stating that I am missing two payments on XX/XX/2020. I called the shellpoint mortgage servicing to speak about this problem. They told me a check for {$1900.00} was issued and sent to me by XXXX XXXX. I never requested both payments to be refunded. Only one. And I never opened this mail either or cashed the check. She helped me by refunding the fee charged for this month and was very helpful in the matter. I have had many issues with this company and their process. They seem to have a problem with communicating and following up on matters. I want someone to be held accountable for these type of errors because its very upsetting and scary to get notices like this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notice through XXXX XXXX  that I have a derogatory mark on my account effective XXXX XXXX 2022 from Wakefield and Associates. Original creditor XXXX XXXX California. I have no idea what this is and have not received any notification of this due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: ID Analytics, 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:
I am beyond exhausted trying to work out this situation of the false reported information on my report with XXXX XXXX. I just received a letter today dated XX/XX/2018. I sent XXXX XXXX my identifications and my police report and their credit report they had specifically sent to me showing the negative account that is not relevant to me. I also sent them a affidavit from XXXX notarized which XXXX had already resolved the situation as proof to them and all requested documents by them as well in addition to my identity theft affidavit signed and notarized. I have called them and left them several messages as they do not answer their phones or can you speak to a representative unless they received your message on their recording. The item reporting on my report is not my account ; I've sent all proof which XXXX has completely ignored and used a tactic to purposely delay investigating this to have this removed off of my report. Instead they sent me a letter requesting my driver 's license because they claim they can't see it when this is the same exact copy they received when sending me my original report so this is obviously some ridiculous tactic they're using. They're also stating they need my address verification.. XXXX XXXX has my driver 's license that has the primary address on it and they also have my mailing address at my XXXX XXXX address which I noticed in my report they only have my XXXX XXXX and not my primary address which they need to include. I need my full disclosure report not a partial report.. I need my entire report. This false reporting account needs to be removed off of my report otherwise I will sue XXXX XXXX XXXX for Defamation and I will also sue for willful injury and financial injury under the FCRA SECTION 623 LAW. XXXX XXXX needs to delete and remove this account off of my report and provide me with an updated Report with my addresses on them. This fraudulent account needs to be removed off of my

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 2022-08-31
Company: Block, Inc.
State: NY
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:
Since the beginning of the month of XXXX my internet service has been laggy, buffering, or not connecting at all which still continued to occur after making a payment to my internet company using my CashApp prepaid card. As a result I disputed that payment and explained to CashApp why Im filing a dispute however they provided no information where I can submit actual proof like screenshots to show my side but instead they heard one word from the internet company and immediately took their side. Not fair and also not legal for this type of issue. Attached youll see an email from the FCC way back in XX/XX/XXXX when I originally submitted my complaint about my horrible internet service

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
previously i filed a complaint against American express because they keep denying me due to a old bankruptcy with your help they called me and issued me the new card then supposedly fixed the problem. they indicated it was a internal issue. well i called them and tried to replace a card I 've had with them for 3 years with no balance with a cash back card. they said i would have to apply for the new card and then cancel the old card. well i did. guess what. denied due to a so called bankruptcy again. they sent me it in writing and i quote ( filed bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX I borrowed emergency money from my pension from the state of NJ in the amount of {$3000.00}. I used the mobile application for bank of america. It said the funds would be available after XXXX XXXX the next day. The deposit was made on XX/XX/2018 so the funds should have been available on Tuesday XX/XX/XXXX. I get another alert the next day saying there was a 10 day hold until XX/XX/XXXX. I immediately called the bank. They said they couldn't stop the transaction or lift the hold. I wanted to know why I was not alerted at the time I deposited the check as to the hold that would be placed on the check and given the opportunity to continue the transaction. I was also told the funds would be available the next day. then to be told it would be 10 days. I have lost so much money. Funds have come back, I have late fees, I could not pay anything. It is a state check it should not have a 10 day hold. I should have been alerted at the time of the deposited and given the opportunity to go deposit the check somewhere else. As to not have anyway to rectify this and to hold on to that money for ten days seems to me severe and unacceptable and false information was given to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I received a mailed document to an old address XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am being contacted about loans from Navient : Loan Number : XXXX Amount : {$8300.00} Loan Number : XXXX Amount : {$1400.00} Loan Number : XXXX Amount : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX should provide me a payment history for all loans listed and payment options. At this time I am only able to make a payment of {$25.00} for XXXX XXXX. 

Please do not contact me via mail instead contact me via email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 an extension agreement was approved on my account! I made those payments as agreed and this company reported to the credit bureaus that I was late when in fact I wasnt. Ive called multiple times and today I spoke with a representative that said she didnt see the extension on the account only a catch up arrangement, she put me on hold after I asked for a supervisor and rerouted me to the main line where a representative hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : Please provide proof of claim of said account XXXX Provide contractual signatures and agreements of said account with your office. 
If no such documents can be provided then by fair debt collection laws you are unjustly harrassing and unlawfully attempting to collect monies not owed to you. 
You have 15 days to remove and cease and desist all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist is holding my check for no reason. I deposited a printed check in the amount of {$1300.00} after my account was 90 days old, the check got put on an administrative hold which means someone physically put a hold on it it wasnt the system. The bank refuses to credit my account temporarily in the mean time and they will not give me any information regarding my money.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX 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.

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 2022-08-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been sent a letter in the mail demanding {$1600.00} - I will not pay this & I am disputing the validity of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed a zero balance collection from Credit Protection, XXXX XXXX XXXX, XXXX TX XXXX. The debt was paid in XXXX of XXXX. I sent letters to ask for removal and received no response. I then disputed the amount with XXXX. When XXXX intervened, Credit Protection reported/updated my account as a new collection as of XXXX, resulting in a XXXX point decrease in my credit score. Even though the balance is {$0.00}, the incorrect date of last activity severely damaged my credit score. XXXX is also disputing on my account. The confirmation number 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 2023-12-02
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 22. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
So first, I saw an additional XXXX in my student account coming out of no where. They first told me they were taking it off my subsidized loans which I did not see being taken off. Then I was told after a XXXX minute conversation, of them trying to convince me that I was getting the benefit from this, which I completely disagreed since it had nothing to do with me or my loans. That I would not see those charges after Tuesday. Then when I look at my account today ( saturday ), I see XXXX being charged in my account. I am so confused, I am not going to be earning enough money to pay off random money that is being sent to my account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested proof of debt, documentation that proves it is my debt numerous times and I receive nothing in return. I have disputed with XXXX XXXX and XXXX to get the items removed and they are never removed. I am owed proof of debt and they can not provide it. They keep changing the dates and amounts... ..I am owed proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2021-09-23
Company: AMERICAN HONDA FINANCE CORP
State: CA
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 have requested an investigation on several accounts with XXXX, XXXX, an XXXX. The investigation took well over 30 days and this has caused me the consumer a deal of trouble that these accounts have been inaccurately reporting. I gave the credit reporting agencies 30 days to comply and they failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 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.

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