BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
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 late 2022 I was a victim of credit card fraud. I became aware when the credit card company began collection efforts. When contacting the company, I was asked to provide a list of information for their investigation. That list included copies of two months of checking account statements and if we suspected someone could have accessed my personal information. That was sent to a XXXX XXXX for their company at their request. When no action was taken, I called to follow up. They claimed they had yet to receive it. They asked to be sent to a second suggested XXXX XXXX XXXX which I did. That second communication to them was verified received, yet they claimed they never received it. They then suggested it be sent by fax to their fraud department, and that was done. On XX/XX/XXXX, they verified by phone it had been received but would take 15 days to upload in their system. On my XX/XX/XXXX follow-up call to them, they then said it had yet to be received and asked for the fourth time to fax a different fax number which has been done. 
They need to be more truthful about receiving the information THEY requested.

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 2022-12-27
Company: Self Financial Inc.
State: NJ
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:
To Whom it May Concern ; This is in reference to the Consumer Report sent by SELF FINANCIAL. While checking my credit report, it came to my notice that SELF FINANCIAL has furnished an account ACCOUNT #XX/XX/XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF FINANCIAL will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX  ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I have not surrendered my consumer or privacy rights by giving SELF FINANCIAL permission to communicate and disclose MY NON PUBLIC PERSONAL INFORMATION WITH NONAFFILIATED THIR PARTIES Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged. Please do not provide me with statements, payment history, or any other specific details pertaining to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request.

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

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 2023-03-15
Company: AMERICAN EXPRESS COMPANY
State: MI
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 been having ongoing issues with my credit card company American Express. They have been doing a poor job with delivering accurate information of how much I owe. Ive also stated to them that I have fraud on my account, and that I am unable to go to all the transactions to alone. It seems as though the Fraud is probably coming from a card that was cloned or skimmed. Or it could be coming from a hacker, which has been altering a lot of my financial records. 
American Express refuses to assist me and they also refuse to dispute a lot of my charges. They also have a habit of cheating me on the phone for so many periods of time transferring over and over and over to different departments, and to hear my complaint, and finally deny any services to assist me. A lot of times this is really aggravating so it discourages me from calling for assistance. And because I dont call because of their tactics I end up losing the amount of time needed to file a dispute. 

So time goes by, I get more frustrated and call to get assistance, and they deny me again. For this reason, there has been a lot of transactions that have not been disputed which has caused balance to be so high. 

I feel that I am retaliated against and discriminated because every time I do conduct a dispute the credit is not applied to my account where its available to be used. 

They have been holding my credit hostage, leaving me without any availability of funds to use my credit card. And they have all sold caused me to pay a higher amount of payments because of all the transactions on my account that I was not able to dispute. 

I dont think its fair that if I have a dispute a transaction that they restrict my accountant suspend it mean wild investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: T.S. Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have contacted XXXX  on several different occasions to remove this information because i went to court twice and showed proof to the judge and he dismissed the case in my favor that i owed this apartment complex nothing now i have a pending lawsuit against them. XXXX  is the only credit company that has not remove this from my credit report stating that it is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We deposited a check in the amount of {$220.00} on XX/XX/2023. The same day the bank made an adjustment and debited our account for {$61.00}. When questioned they told us that because the check was from XXXX, the adjustment was because of the difference between dollars and euros. The check was clearly made out in dollars. See case # 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 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A person named XXXX contact me by XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX she like my photo and ask me for use it to do an art project for a client with the cost of XXXX, I will cut XXXX of it for me, she ask my name my bank and my email, also she told me the check need to be nominal me because I should process he for use my image without permission, she send me XXXX check of XXXX dollars and one more of XXXX it was in my email I did the deposit, my bank completed the deposit and I send her part with the total of XXXX, at first was pending and she ask me to call my bank and ask to complete the payment, then my account was closed by the bank and I realize that I was an victim of scammer. My bank send me the bill and denied my 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 2023-07-18
Company: Experian Information Solutions Inc.
State: NY
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2021-09-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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:
Experian is reporting 2 State of Michigan Friend of the Court collection accounts. They have reported them in excess of the time allowed under the 1974 Fair Credit Reporting Act. One account has been reported since 2003.

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 2020-04-25
Company: Consumer Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have tried to reach out to the creditor and no response since XXXX of 2020 for the amount of {$8700.00}. this is causing many difficulties in my credit to purchase things for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 2021-10-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was burglarized on XX/XX/2021. The identity thief stole my XXXX XXXX, and using the phone the thief used 2-factor authentication ( which he had access to as he had SMS and email in phone, effectively making it use 1 factor ) to change the XXXX password. He then entered my Coinbase account using the password he created. He transferred my cryptocurrency, worth around 3k, into XXXX and transferred it. He also transferred XXXX from my bank account, and I have an outstanding balance of XXXX USD to XXXX. I reached out to XXXX within hours to lock my account. I recovered the account and changed the password after 4 days of emailing with XXXX ( who do not have live agents to help ). I then saw what had been done to my account, and have been reaching out to XXXX to revert these transactions or restore my funds after faults in their security ( only having 1 factor in 2FA and allowing huge transfers immediately after a password reset ). XXXX has been auto-responding to me, and have said they will take no action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NJ
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 an account with XXXX The payments are automatic and current, as per my credit card statement. The company XXXX XXXX XXXX has reported that I have not made any payments toward the account in question resulting in a negative effect on my credit report. 

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 a 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 explanation
Consumer complaint received 2018-08-05
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 was paid

Complaint:
I have disputed this collection with the credit reporting agency and they reported you confirmed the account as reporting valid. There are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I demand this account be thoroughly investigated and removed from my all my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2021 I made a purchase for a pair of shoes to attend a funeral out of state. I used my Kohl 's XXXX XXXX to make this purchase and the total was {$69.00} after the item had not arrived after a week I called to inquire about my purchase and was told my order had been lost. I asked that they refund the entire amount back to my Kohl 's charge which would have made the balance on my account {$0.00} on XX/XX/2021 Kohl 's refunded {$59.00} leaving a balance of {$9.00} which was determined to be the shipping charge plus tax on shipping. When I saw this I made XXXX phone calls to Kohls to resolve this issue and was told it would be XXXX  days before the credit would be issued due to system policies. Waiting XXXX days would mean that I would be late on the payment to my account and that I would have to pay for a service that I never received. I asked to speak to a supervisor was placed on hold for XXXX minutes and when returned to a live agent again was told not to worry, though this is my credit history and credit reporting we are talking about. I asked why it was taking so long and why I had to go through so much work to get my refund when it wasn't done correctly to begin with. They didn't seem to care. So now I have the payment scheduled for the due date so that I do not get a late fee or a hit to my credit report. All I am asking is that a consumer not have to wait XXXX days for a refund on a store credit card when they control the system. I feel as if they are being deceptive in business practices and forcing consumers to pay unjust late fees or to just pay a fee to make money off of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My request for a payment plan, for my private student loans through Navient, that would result in lower monthly payments was denied. There is no literature that is clearly and plainly available to borrowers describing the terms and limits of repayment options, which leaves borrowers confused and with little to no recourse if their request is denied, as mine was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2023-03-15
Company: JPMORGAN CHASE & CO.
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation