BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: United Credit Education Services
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
After signing up with United Credit Education Services ( UCES ) I realized that I would have to handle the paperwork regarding my credit repair. I was responsible for mailing dispute letters and sending their company any updates regarding my credit reports. I would then have to send them this correspondence and await for additional dispute letters to send myself. This information was not brought to my attention until after I paid my {$100.00} sign up fee and $ XXXX monthly fee ( {$180.00} total to start the service ). I was not pleased, but was aware of their full refund option so I kept the service awaiting for items to be removed from my report. My first dispute letters were mailed to me and I sent them to the bureaus. The second dispute letters were submitted to my account via PDF which is password protected and I was never provided the password to access. Now, after 3 months of service and with no changes to my credit report by their service I have requested a refund. Their site and the representative I initiated this service with stated there is a money back guarantee and their website indicates they offer a full refund if not satisfied with their services. The specific language regarding is below : Once you get started with our proven approach to credit restoration, you may begin to see exciting results within the first 60 to 90 days. With your ongoing participation, you can continue to experience improved credit throughout our credit restoration process. UCES understands that every financial scenario is different ; that's why we back our service with a Satisfaction Guarantee, taking every step to ensure a positive experience. Extended service times, other product offerings, and money back options, up to and including a full refund should we not meet your expectations. What do you have to lose other than your less than perfect credit? Individual results may vary. 

I have reached out to Customer Service and to no avail will not receive any refund for their services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-09
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a collection from 2015 on my credit report which has plummeted my credit score that I have worked for five years to rebuild. 
EXPERIAN makes it impossible to reach a human being, blocks me from signing into them, lies about having called me and refuses to remove a collection from almost five years ago that suddenly appeared on my credit report this year. A ) There are two people listed on the account that I have knowledge of, B ) They never billed me after sending me a FINAL BILL in early 2014 & C ) the account was supposed to have been switched to someone else! 
I have gone back & forth with Experian for three weeks. This is ridiculous!

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 2019-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
I have made a complaint with you all ready. My name is XXXX XXXX I am have dealings with USAA. This is my complaint ID with you- XXXX. 
I recieved a call from USAA on XXXX stating they are closing the fraud case they state they do not see where I requested to have my aiuthorized user removed. Just because they supposedly did not note it they are now making me pay for all the fraud charges she put on there an she is getting away with it. USAA had sent me a check for damages put a stop on the check put amount towards that balance this is wrong in every way an she the one that put herself on as aurthorize user gets away. They also sent me a new card I never activated it some how it got activated and got XXXX charged on it and USAA only thing they would tell me is someone activated it from a mobile device. This is wrong where is justice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09
Company: TD BANK US HOLDING COMPANY
State: WA
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:
XX/XX/2018 XX/XX/2018 Target Corp No open account, did not apply, did not share information. 

XX/XX/2018 XXXX No open account, did not apply, did not share information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: JPMORGAN CHASE & CO.
State: WA
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/2019, I was denied a credit card for amazon.com visa signature card. The reasons given were that I do not have a credit history and insufficient balance in deposit. I checked my credit report with XXXX, the agency used to look at my credit. 

The report from XXXX has no information on me, despite two other agency 's having information on me ( XXXX, for example ). When I attempted to file a dispute with the report, I was sent back and forth on the website and was unable to correct anything. 

My name is on my parents line of credit ( Chase ), which is the same bank that amazon.com does their banking. This information was not sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally Financial received a payoff for a totaled vehicle in the amount of {$16000.00} on Monday XX/XX/2019 at XXXX XXXX. Signed for by XXXX I have repeatedly called and for some reason they will not mark the loan paid, they are telling me something along the lines of this process takes 7 days. 

This is ridiculous, they have their funds, they need to release the loan, so I may apply for a new loan and go buy a new car.

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 2018-04-23
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: Information is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have no knowledge of this debt.they have tried to contact me via my employer that I currently work at. They have not been able to provide me with any knowledge of this debt or ownership of his debt even after asking several times of the terms of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX University dealt with Bank of America the lender who was the original lender who serviced all 12 loans before selling them to third party. The bank employees along with the employees at the university in the financial aid dept. under administrative XXXX XXXX, who handle all paper work and signed off on. Attached are some of the documents I was able to get. First time every taken out student loan in 2007. 

1. Refused to give me copies of all 12 loan application certification completed by the university. ( 2 ) Refused to give me copies of all 12 Bank of America Federal student loan Disbursement Notices ( received from XXXX are attached ) ( 3 ) The 4 Bank of America Federal student loan Disbursement Notices you can see how grade level changed from ( 3 ) to ( 1 ) to create ( 2 ) new loans ; funds that were part of the ( 2 ) unsub/sub loans from XXXX. ( 4 ) Funds were not sent back to the lender attached are the GL of the $ amount and XXXX XXXX deposit slip listing XXXXXXXX XXXX that the funds went to. Employees under administrative orders to charge part-time minority students full time tuitions and other fees then falsify loan certification so that loans taken out. 

All done for profits and kickbacks. Since I file a complaint against the University of all the employees misdeeds, I was informed that my college files had been destroyed. Due to the fact that I have repeatedly requested copies of my entire college records under my ( ssn ) and the two student ID numbers created by registration. XXXX and second number ( XXXX ). 

( 5 ) Changing student separation dates every 3 months just to create more unsub/sub loans with B of A. Neither the bank unable or wont give me the loan documents because they know I never even signed any loan documents nor have I approved the financial institution to be my lender or given the University permission to use them. 

XXXX & XXXX : BANK OF AMERICA, XXXX Bank of America used not just one branch to process all loans other branches listed on federal student loans were # XXXX, XXXX, XXXX XXXX All loans were reported on credit report crediting has increased and listing loans as a line of credit and not student loans before they sold loans to third party. 

XXXX XXXX resolution specialist, regulatory complaints department rep for Bank of America stated they never did federal student loans and they have know loan documentations at all nor any information even though they were the original lender of my loans and reported to all three credit reports as well.

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 2019-11-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This compliant file against the law frim of XXXX XXXX XXXX, PA XXXX XXXX corporate office in XXXX FL. Who is the represent of America Express company Here are the fact America Express is a company were the member had to pay a member duties of XXXX per year. card number XXXX is a gold card. XXXX XXXX NO reason the closel the card base on these fact that they request financial statement for the year XXXX and give the client just 15 day to send the finical report to them. the client could not produce the financial base on the fact that XXXX was out commission for a year. America express just had bill the client the card for XXXX membership fee. which in fact that shall be refund back the client. the client have never missed any monthly payment or late that America express request over since the card was issue back in XXXX. the evidence will show that there are two card that have a XXXX per card per year membership fee. Which is XXXX that America express just bill the client for. America express need to refund those charge. and this account is not past due on the second card number is XXXX but America express failed to put that card in collection why? we just pay then on or about XX/XX/XXXX for amount of XXXX and the pay ment was XXXX and pay them on XXXX XXXX XXXX forXXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX XXXX which is XXXX in one month. CFPB need to invesgatin America express for take there client money and then close there account. that unfair practice. please have America express to produce and presented a validate document of this debt by a sign date personals Guarantee by  the owner of a LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EQUIFAX, INC.
State: WA
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/2019, I was denied a credit card for XXXX visa signature card. The reasons given were that I do not have a credit history and insufficient balance in deposit. I checked my credit report with Equifax, the agency used to look at my credit. 

The report from Equifax has no information on me, despite two other agency 's having information on me ( XXXX, for example ). When I attempted to file a dispute with the report, I was sent back and forth on the website and was unable to correct anything. 

My name is on my parents line of credit ( XXXX ), which is the same bank that XXXX does their banking. This information was not sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX Apt XXXX, XXXX, GA XXXX ; I've never been to XXXX, GA ever!

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 2022-08-12
Company: Experian Information Solutions Inc.
State: NM
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:
Im submitting a complaint to you today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and I'm done with it. Per FCRA section 605b Credit Reporting Agencies are required to block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. It was opened on XX/XX/2019 with an amount of {$3600.00}.

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 2019-11-09
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: Other problem

Complaint:
XXXX Credit Card from Barclay have changed all there benefits after people signed up. These changes are not a simple tweak but seem more like a tactic to issue cards with wonderful benefits then change all the best benefits shortly after they have enough people signed up. 

Is it legal to offer 4 % cash back on meals, then with 30 days notice change it? 
Can you offer {$50.00} annual bonus to people then decide not to offer it anymore? 
And many many more changes. 

If this is the way were being offered services then change a few months ( a few weeks for some people ) after we sign up, then we need to change the law. 

XXXX/Barclays Credit card changes : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a collection account on my credit report that is not an account of mine. The only account I've ever had with XXXX was paid in full, with documentation provided. Not only does this account/collection still appear on my credit report incorrectly, it's been updated to show a payment of {$270.00}, which I also never made. Experian has not updated/removed this account, and the debt holder refuses to acknowledge that this is an erroneous charge/account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

MACYS/DSNB Account number XXXX Account status Closed Date opened XX/XX/ 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 2020-09-12
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I sent a letter to all 3 bureaus regarding inaccurate items on my credit report. Now it's XXXX and I've yet to receive a response nor those items removed. I dont really know how to file disputes but after all of this time it seems like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been well past that time frame and I demand these items be removed immedately or I will be forced to file for litigation. This is my second time dealing with a credit bureau. The first was when the Equifax data breach occured and I was afraid my information may have fell into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX Navient pursued me to refinance my current loans with them in order to receive better loan services. They stated that this would not effect my ability to ask for the public service loan forgiveness program. As the years passed I inquired about how many payments have qualified for this program and began working with the XXXX  XXXX XXXX  agency as of XX/XX/XXXX. The XXXX  XXXX XXXX  agency stated that none of my payments would qualify before XX/XX/XXXX due to Navient putting me in the wrong repayment program. I have thirteen years of public services and had over 120 payments but due to Navient 's lack of ethic they placed me in the wrong program and now I do not benefit from the payments I made. I am asking for the payments before XXXX to be counted in my total of 120 payments to attempt to qualify for the public loan forgiveness program which I have already been accepted due to my job and service. I am just wanting the payments to qualify that i have already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: AL
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:
HI 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 LETTERS FOR REFERENCE

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