BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: MP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2021 I contacted Experian 's chat line to discuss their algorithm. My concern is that they are adding and subtracting points based on my use of my credit during a period before the payment is due. I pay 100 % of my balance due each month. I do not use more than 30 % of my available credit line. But, Experian is using the amount of credit on an account that is charged during a billing period. I asked Experian about why this is included in their algorithm and they stated the following : " The algorithm is calculated by an automatic system. However, I insist for you to reach out to a credit advisor. They can give you details about why the score changes on your credit report occurred. '' Candidly, I do not believe that I should be required to retain a credit advisor to provide an answer to the question about changing my credit score based on my balance during a billing period. The balance of outstanding balances due that are in arrears after payment of the balance due should be the factor. If a consumer pays 100 % of the balance due each month, there credit score should not be affected by the outstanding balance that is not due during a billing period. My credit score has been increased and decreased based on the balance during a billing period.

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 2018-01-31
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop  all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 my wife deposited {$1500.00} into a Bank of America ATM into my checking account. We used a drive thru ATM which was loacated outside the BofA branch on the corner of XXXX and XXXX in XXXX, TX. The ATM only credited me for {$500.00}, leaving me short {$1000.00}. I escalated this immediately to bank of America claims department and didn't think much of it as I was sure they would find the extra funds in the atm and return my money to me. This was not the case. The claims department sent me a note on XX/XX/2018 stating they could not find the {$1000.00} and bank of America is now unwilling to give me my money back. I have since escalated this twice to no avail and I truly feel robbed. I have made multiple ATM deposits and have never experienced this kind of ridiculous service. I'm appalled that BofA won't continue to research this and very frustrated that I'm on the brink of losing {$1000.00} of my hard earned money. The image that I have attached is the receipt of what was credited to me as well as the ATM id of the machine that stole 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX 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 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 and other adverse items 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-06
Company: A.R.M. Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX is reporting inaccurate information on A.R.M. SOLUTIONS, INC. ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, 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:
Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 45 days and no response. 

The following items do not belong to me ( Fraud Account ) - XXXX XXXX XXXX XXXX ( XXXX ) - Bal : {$100.00} Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX XXXX  University from XX/XX/XXXX to XX/XX/XXXX. My parents did not have enough money to send me to school and I did not get a lot of money through Financial Aid so I was forced to get student loans to better myself. I was able to get a couple Federal Loans through the school but the amounts that they approved me for did not come close to covering room and board, books and tuition expense so I applied with my grandma as the co-signer through XXXX. After college I had numerous student loans that each had to be paid individually and the interest was variable and was killing me so I in XX/XX/XXXX I got online to see how I could consolidate my loans. Some were private and some were federal. I found a site XXXX XXXX who got me in contact with Navient. Navient financed my loans and no where in the entire application did it say that signing up with consolidation would I lose out on my XXXX tax deduction for student loan interest. They are not sending me form XXXX so I called and their customer service will not help me at all. I feel like I have been done wrong here and all I am trying to do is pay back my loans. I have been paying for almost 10 years now and this company is completely taking advantage of me and my hard earned money ... can someone please help me or direct me in the direction. Nothing that I signed said anything about not getting this tax advantage. Why would anyone sign away that advantage because it is the only perk to spending thousands in interested every year. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my XXXX loan thru chime a month later they suspended my account I sent them info then they closed my account and said Im not eligible for a refund. I tried to call and received a voicemail with no outlet to speak with anyone. Now Im stuck with my bills growing rent food and kids with no money. 
I had XXXX dollars in the spending and a lil in my savings it wasnt a lot maybe 40 something dollars XXXX XXXX 2020 my account was put on hold XXXX XXXX 2020 it was closed stating I wasnt eligible for a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: TN
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/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that XXXX XXXX XXXX is reporting late payments tarnishing my consumer credit report when the car was already paid for.

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 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a pre-paid debit card from Bank of America which has been locked since XXXXThis card has over {$20000.00} and I need this card unlocked. I have been calling Bank of America everyday but no help. 

Please help me resolve this issue, BOA has held a large amount that is ours. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 received recently onXX/XX/XXXX a notice/attempt to collect a debt from XXXX XXXX XXXX XXXX.. I sent midland via certified mail onXX/XX/XXXX a debt validation request letter. I received from midland on XX/XX/XXXX pretty much the same document which they sent in XXXX as a response for my request for validation. The package included a simple statement from midland saying they found their information in their notes to be correct. Midland also sent me a letter which anyone from their office or outside of their office could have typed which looks suspicious in nature saying midland purchased a debt of {$740.00} from XXXX XXXX  for a r us credit card ending in the last four digits of XXXX. Midland failed to provide sufficient proof of this debt owed and or rights to collect via an original signed contract by myself. I requested debt validation under the Fair Debt Collection Practices Act, which is established as consumer legal protection against abusive consumer collection practices. 

I am requesting that midland stop all deragatory credit reporting to all three credit bureaus and that midland removes the deragatory Collection account from all bureaus as well as cease and desist collections attempts and contact as they were offered legally the opportunity to validate this debt and failed to do so.i have also filed a complaint with the Illinois Attorney generals office under reference number XXXX. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Kinum, Inc., Indianapolis, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

KINUM ( 09 XXXX XXXX XXXX ) account is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: FinCo Services Inc DBA Current
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I placed three online orders on XX/XX/XXXX ; two with XXXX and one with XXXX. All three orders were almost immediately cancelled by the merchants as soon as the orders were placed on XX/XX/XXXX. On Wednesday, XX/XX/XXXX, I reached out to both merchants as I was being advised by my bank ( Current, dba XXXX XXXX XXXX ) that the merchants had not reversed the charges and they were still in a pending status. Both merchants confirmed via written online chat that they had indeed cancelled the transactions and reversed the hold amounts, with that reversal being sent to the bank on XX/XX/XXXX. XXXX went so far as to give me the date, time, and actual reversal code that was sent to my bank on XX/XX/XXXX. I reached out again to my bank today, XX/XX/XXXX to advise them of this and request that the three transaction amounts be released and the nearly {$1400.00} returned to my account without delay. 
Again, I was advised by my bank that they hadn't received anything from the merchants yet and the transactions were still pending. I even included a copy of the screenshot of my chat with XXXX where they give the exact date, time and code for their reversal, and yet my bank is still unwilling to issue a reversal of the holds and return the money to my account, even after being given written proof from the merchant. 
The merchant is blaming the bank, the bank is blaming the merchants ; meanwhile, I am still waiting for the {$1300.00} to be returned to my bank account with absolutely no resolution, and an unwilingness on the part of my bank to do anything to assist with resolving this issue for me. 
Again, I have written confirmation from both merchants that they have already cancelled the transactions and issued reversals on the hold amounts, and I feel that my bank is fraudlently holding on to my money for their own benefit and gain. 
I would like my money back in my account without any additional excuses or delays on the part of my bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Paypal Holdings, Inc
State: WI
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:
Paypal transaction Afternoon XX/XX/2019 I received a text message about an amount of money being sent. Paypal sent me a text message to reply yes or no to confirm suspicious transaction. It opened a case then a comment was left on " spoof case created via IVR XXXX ''. I did not make that comment. 
I change my account information immediately. 


The money in the transaction was pulled from my banking to paypal to a sketchy account. 

This is the transaction ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I learned through my credit monitoring company that Capitol One pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: EQUIFAX, 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:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: PMR Progressive, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep mailing me now for months and months saying I owe a debt which I do not. They call my cell phone AT LEAST 6 times per day. I have reached out to them via email and told them FOUR TIMES this debt does not belong to me but they continue to harass me. Today, they called my work, I told them to stop calling me, got a manager on the phone who proceeded to argue with me AFTER I told him to stop calling. I emailed them again immediately after the call and told them that I will be retaining a lawyer for abuse, fraud and harassment. The company is XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-01-31
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The payment history indicates that I have paid over {$4000.00} in principal on my {$5000.00} student loan yet Navient is still stating that I owe {$2300.00}. It appears that I am being overcharged therefore I am requesting a break down of how this current amount was determined along with a recalculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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: Account information incorrect

Complaint:
I have tried numerous time to dispute the late payment information on my account with both the lender ( XXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XX/XX/XXXX-XX/XX/XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.

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 2020-11-10
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Specialized loan servicing committed identity theft and fraud when they stole my identity and reported to all credit reporting agencies that a payment was made by me on a fake mortgage debt on XX/XX/XXXX by me and then sold the fake debt and fraudulent account without any verification for their Prior errors and blatant fraud to further the racketeering scheme for XXXX XXXX and XXXX XXXX to cover up its phony records it creates for XXXX and XXXX XXXX XXXX aka XXXX XXXX after they cook the books for XXXX XXXX XXXX with crooked lawyers to illegally foreclose on my home and business with fraudulent accounting where Sls is fabricating false records on case XXXX ca XXXX in Florida to cover up the Fraud, XXXX XXXX has constructed for XXXX to steal my homes equity and extort me for money not owed because they create fake reporting and make fake payments and commit forgery, identity theft like on XXXX XXXX on my record to keep the fraud alive for XXXX, XXXX, XXXX and XXXX in XXXX so they can get money from the government share loss agreement and make false claims for damages and steal homes disguised as business as usual in violation of state XXXX and false claims act laws And state penile code laws. I request a written response

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 2021-11-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I asked Chase Prime Visa to dispute a charge of {$350.00} for a defective product. Posted on or about XX/XX/2021. I called 3x and asked them to send me a form in the mail so I would be able to dispute these charges. They refused to do so. They called me on XX/XX/2021 at approximately XXXX and Chase Prime Visa said they would not dispute this charge. They did not give any reason for not disputing this charge.

Company response to consumer: Closed with explanation