BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received 800 dollars from XXXX XXXX  because I gave up my seat. I used XXXX and had it placed in XXXX. This works. I used XXXX in XXXX which i have been using for my XXXX XXXX with no issue. 

The remaining XXXX dollars I placed in two American Express CardsXXXX XXXX. They would not work at all. I tried to use it at XXXX no luck. I tried to use it at XXXX XXXXno luck. The online information says the money is there but I can not access it. 

I tried calling XXXX today finally and they said that they could not retake the money on the cards they suggested that I call the company. I called American Express and they do not have customer service for that specifically. I called them last week and today. 

The person I got onto finally on the phone for American Express could not help at all. I am exhausted and I would like my money back- a total of {$400.00}. I feel that American Express Card has been behaving like a scam company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Creditors not able to pull my credit report from Equifax. There is no freeze nor lock on my account and Equifax wont investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Duvera Billing Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I used the company through a furniture store to buy a mattress. I was told there was a 27 % APR. After I signed everything they switch it to a 200 % APR. My signature is not on anything that has that 200 % APR on it. The loan was for {$1500.00}. Ive paid them about {$2500.00} and they say I still owe them {$1300.00}. And now my credit score has gone down significantly because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine

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 2023-04-13
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
their charging a hospital bill wich it was paid by insurance and they said i had a diffrent insurance i send them copies of insurance cards and they said its not the right one and i also never recieved a bill from hospital

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 2022-12-21
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Requested forbearance/payment deferral with Capital One in XXXX, 2020 due to COVID-19 and was approved for a 2 month deferral to XXXX, 2020. In XXXX, 2020 Capital One showed a 30 day late on my credit report which lowered my FICO score XXXX points. ( I had requested the same with 8 other credit card companies and was approved with all ). I, immediately contacted Capital One, by phone and letter, and they refused to remove the 30 day late. ( I have never been 30 days late on ANY of my credit cards XXXX. At this time I was in the process of refinancing my home. The FICO score lowering made me " NOT ELIGIBILE '' to complete the refinance loan. I have been with Capital One for 10 years and have never been late. Please Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are unauthorized and have no purpose being on my credit 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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
As far as I know the issue is happening because I deposited a check that was fake which I didnt know was a fake check as someone was trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 6th 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 alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX  XXXXBalance : {$0.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX XXXXBalance : {$990.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO 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 non-monetary relief
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, XXXX account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day XXXX will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XX/XX/XXXXI was denied information from XXXX on a email address they had on file that was not mine. I never had another email withXX/XX/XXXX other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope

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 2019-08-16
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: Account status incorrect

Complaint:
XXXX I opened a loan account with XXXX XXXX while on XXXX XXXX for the military. Around XXXX I was removed from my home due to a divorce issue and was allowed back into my house on or around XXXX during this time I didn't have access to any of my personal belongings and was not allowed within 100ft of my home after returning home I quickly called XXXX XXXX to fix my account status with them on XXXX. A promise and an agreement were made over the phone that my account would return back to normal after I made a large payment to the company with a total of {$720.00}. With this agreement being made I paid in full the amount of {$720.00}. After continually receiving monthly statements in the mail over the course of several years and after quite a large number of life changes I check my credit score and found out the company never fixed my account and continued to send me monthly statements in the mail. I have contacted the company on a lot of occasions trying to find answers after being lead on a while goose chase for quite a long time I was automatically forward to the collections department. The last to individuals I had contact was a woman named XXXX, XXXX which then finally forward me to a supervisor after several emails back and forth. The supervisor named XXXX, XXXX didn't even look into the matter he just downright denied any actions or promises made by the company or individuals i then had to beg the gentleman for a copy of my payment history. After contacting several lawyers within my area they said that it would be in the best interest of my case in order to try and resolve this matter privately first. I would like to resolve this with the company before i proceed with any other further actions. I would just like the company to switch my credit back to regular account status as promised and the correct monthly payment history corrected on my credit 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 2023-04-13
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: Account information incorrect

Complaint:
Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Account Name : 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 - These accounts are inaccurate. The days late is inaccurate. Experian is reporting different information than XXXX and XXXX. Since credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, Experian SHOULD NOT have different information than the other two credit reporting agencies. They said they have verified these accounts as accurate, so how is it that they have actually verified these accounts if they are still inaccurate? Furthermore, I have repeatedly asked for information regarding how they have verified my account and who they spoke to in order to obtain accurate verification. Experian has failed to respond.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my TransUnion or XXXX  report so I am filing a complaint. They only responded to the XXXX compliant not the other bureaus and the information provided is not accurate. Thanks 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 2023-07-24
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency called Harvard Collections is on my credit report they claim I owe XXXX dollars for overpayment of cash assistance with the Illinois department of human service, the name they gave is not the legal name I use the last name the have is not my last name and the address they provided is an address I have not lived at in over 30 years. I have not lived in Illinois in over 30 years and I have NEVER collected any cash assistance from the state of Illinois .I contacted Harvard Collection and spoke to a so called manager XXXXXXXX XXXX she gave me a number to IDHS collections department XXXX and upon investigation I found out that the number was not to the Real IDHS collections XXXX I called the number and they could not verify any of the information they had no knowledge of ant debt owed by the name or account number Harvard Collection had provided with them placing that on my credit report is fraudulent and needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Account status incorrect

Complaint:
I am being profiled and discriminated against by all three credit bureaus, namely XXXX, XXXX and Equifax. I already have two open complaints about XXXX and XXXX bad reporting and violations of the FCRA. 

I received an email on XX/XX/XXXX from Equifax stating here are your results from your XX/XX/XXXX dispute. Coincidently the documents that I submitted in my complaint to CFB does reference a copy of my Equifax XX/XX/XXXX credit report. I used my Equifax XX/XX/XXXX credit report to validate incorrect reporting on behalf of XXXX and XXXX. 

Equifax changed closed accounts to open accounts. One closed account that is now open is called XXXX XXXX XXXX, which has been closed since XX/XX/XXXX ( see attachment ). The other closed account which is now open is called XXXX XXXX ( see attachment ). Also please make note of the attachments showing no collections on my credit report sinceXX/XX/XXXX. I made a dispute on XX/XX/XXXX about one account, which was the only collection that appeared on my credit in XX/XX/XXXX. This collection was called XXXX XXXX XXXX, which was removed from my credit report ( please see attachment ). Also see attachments of all dispute request. 

Also this XXXX made an inquiry on my credit in XX/XX/XXXX ( please see attachment ) This profiling and discrimination is causing undo harm to me and my reputation. I am also going to purse legally for such discrimination and violations of the FCRA on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX : XXXX I asked all three credit bureaus on XXXX different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XX/XX/XXXX, XX/XX/XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

Experian- is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX. 

XXXX is reporting the collection account as a collection, last active date XX/XX/XXXX XXXX- Is reporting the collection account as open with a past due balance and balance, payment status Late XXXX  days, open date XX/XX/XXXX. Date last active XX/XX/XXXX. 


Please delete all unverified collections immediately.

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 2022-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We lost our home 2011 due to Wells Fargo denied to refinance our house

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 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
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 XXXX # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXXXXXX and 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: FIRST PORTFOLIO SERVICING 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 status incorrect

Complaint:
XXXX XXXX Vervent inc. have been willfully and unlawfully violating my rights as a consumer and I have proof. XXXX XXXX / Vervent have been attempting to collect a debt and reporting negatively on a closed account that was previously deleted off of my credit report. Somehow without my consent XXXX XXXX Vervent and XXXX reopen a closed account and Negatively impacted my credit profile, bringing harm/ pain and suffering to my/ family 's livelihood. 

In a previous complaint back in 2021, XXXX XXXX Vervent resume responsibility of my presumption calling it an " oversight '' ( please see attached letter as proof where they admitted to me closing the account and them ( XXXX XXXX  ) continued to bill my authorized cardholder 's account, which is illegal ). please see pictures as proof of deletion after the first complaint. This is Fraud and against the Law Pursuant to 15 usc 1692 and many more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account isnt correct and needs it to be removed

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 2021-05-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian credit report showing one auto loan information incorrect. This account already closed. But showing open status. I 3 times disputed Experian credit reporting company. They are didnt fix that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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: Information belongs to someone else

Complaint:
Consumer has been notified previously of dispute and EXPERIAN is still in violation and reporting fraud on consumer report. The company XXXX XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of account listed as XXXX XXXX XXXX XXXX. XXXX : # XXXX, XXXX, XXXX, XXXX, and all other accounts XXXX may or may not have alleging debt owed using consumer private information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation