BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: IN
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-10-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been working for years to pay off my student loan debt through Navient. I paid {$230.00} a month for about 2 years with a payment option that i was struggling with. In XXXX of XXXX i was sent documents to fill out to continue my payment plan. I filled them out and emailed them as instructed and they never continued with my payment plan. So, in XXXX of XXXX i had called to refinance this payment plan because it was too much for me to pay. My loan was in default and then forbearance. I have called multiple times to try and work out a payment plan that would not leave me penniless and unable to pay my bills, but they would not let me make payments under a certain amount. My loan total has not gone down despite my years of payment under their suggested payment plan. I simply can not pay their minimum payment to get my loan out of forbearance because i do not have the funds. I was told to make a counter offer and they did not accept it. During the summer months they sent me notices of impending litigation. After those notices i received notices to refinance again. My loan total is {$36000.00}. It has never changed despite my payments. This company does not care about their borrowers financial status. Their repayment options are not helpful in the least. Their financial counselors are terrible. They want to take all of your money and do not care if you do not have any left to pay your bills and life your life in general. I am tired of the harassment of letters and calls. Trying to negotiate a reasonable repayment option is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Aargon Agency, 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:
There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the aargon agency with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect 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 2022-04-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a loan check in the amount of XXXX on XXXX XXXX into my checking using the mobile app. It was accepted by Chase, however they sent me a notification that the check would be held for 2 business days at which XX/XX/XXXX would be the release date. I had already made a fund transfer for XXXX into my XXXX XXXX account and figured it will be in by XX/XX/XXXX, but come XX/XX/XXXX, I get a DIFFERENT notification from Chase, this time telling me it's held til XX/XX/XXXX, in the meantime I've now got a negative balance of XXXX and I was blown away, as this loan check from a lender had already been marked as immediate access by the bank it was released by. Now I called chase Bank 3 x and got the run around, in the meantime I am subject to nsf charges that Chase will apply with 24 hours each day, eating up the funds. I'm pretty tired of their crap. They are to release that money now! There's no fraud here except by them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: JPMORGAN CHASE & CO.
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:
I have Positive Pay for checks enabled on my account. This means that no check should be able to be cashed without my prior approval. I have had 10-15 fraudulent checks attempt to be cashed in the last 2 months. All of them have been rejected, until now. 

On XX/XX/2021, two fraudulent checks were cashed for {$9500.00} and {$4200.00}. I received no notification for these and did not approve them. 

On XX/XX/2021, I noticed these checks and called Chase customer support. Technical support told me that it was a bug on their end and the checks should not have been cashed. After an hour and six cold transfers, I was speaking to the check claims department about reversing the checks. After questioning from the agent, he put me on hold and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Convergent Resources, 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:
There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the XXXX XXXX with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect 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 2022-04-05
Company: EQUIFAX, INC.
State: LA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019 our 2 year CD with Ally bank has matured. On XX/XX/XXXX I've called the bank and told an associate that I would like the CD and the account to be closed and a check of the total amount to be mailed to me. I have the confirmation number XXXX. I was told it would take about a week.. 
On XX/XX/XXXX, not having the check, I called Ally again and was told by an associate that the account was not closed and the check didn't go out and he did not know why. I wanted to talk to a manager but none was available at the time. 
Next day morning, XX/XX/XXXX, I called again and was able to talk to a manager. He could not explain why the account and the CD was not closed as I requested but assured me that the check is already in the mail. I asked why wouldn't they send it by overnight being so late but didn't get a response. 
It's XX/XX/XXXX and I still do not have the check. Moreover yesterday I have received a letter from Ally letting me know that the CD has been renewed for another 2 year term. It's surreal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: Northstar Location Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX customer called the company about a settlement letter for {$1200.00} from the original creditor XXXX company representative called and transferred to manager where he asked for the letter to emailed to him XXXX company representative called and stated that the offer was approved and wanted to set up payment ... planned for XXXX but the company was closed XXXX company representative called in the morning and afternoon ... I submitted the credit card info just to be told there is a problem. They asked for a copy of the letter XXXX company representative called again to offer a XXXX settlement and then transferred me to a manager. I politely said no stating you agreed to one amount just change it to a higher amount when I was ready to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX ( Original Creditor : XXXX ) XXXX ACCT SERVICE ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: LA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-07-07
Company: AMERICAN EXPRESS COMPANY
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:
Kindly review the document attached to this email, in support of andregarding my complaint against American Express as follows : I was told by   XXXX   XXXX   Tutoring that they did not receive a charge on my card in the amount of {$700.00} from American Express. As a result, I sent them a check for that amount plus another amount for another service. When I contacted American Express after seeing that I was charged the {$700.00}, American Express was supposed to give me a credit but did not. I am demanding American Express give me my {$700.00} credit on my card as I was told they did not give the money to   XXXX   XXXX  , I paid   XXXX   XXXX    separately, and I h ave all of the documents to prove it.  <P/><P/> Desired Outcome : Permanent {$700.00} credit back on my card, as I already paid   XXXX   XXXX   via check since I was told American Express did not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: NC
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 recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I feel like I got scam by the car sales man from XXXX XXXX XXXX  '' that sold us this car. This loan was super high interest. And when I notice that the sales man told me and my husband not to worry, because if you pay your loan for three months straight without missing a payment. The loan company will be able refinance the loan for a lower interest rate. So we followed the sales man instructions. And pay our car note on time for three months. And of the third month I called the loan company and tried to refinance, they told me that our credit is not good enough to refinance a loan at this time. They said tried calling back in about six more  months. So I was super stuck after that, because I couldn't afford to pay this high car note for another 6 months. I had to pay about XXXX a month on this car plus insurance. The car was about XXXX and we was charged about 35 % interest rate. We told the sales man that we could not afford to pay XXXX every month for 30 months, but he reassured us that we will be able to lowest the monthly payments in 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Affiliate Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The calls began in early XXXX. I was contacted for a medical debt for a 2 years old date of service. I did not know of any debt ; I called my insurance company, and they confirmed that the bill for a visit was paid. However, upon further investigation, I found that I was billed separately by the Dr. of the visit. Each time Affiliate assets solutions contacted, to collect the owed debt, they never discussed whom I owed until I asked. I requested a written statement but was denied as they have attempted to send me mail in the past. However, that is not true, and I have yet to see a written letter from this group. XX/XX/XXXX, I was contacted by this group and asked for more information, but they refused to give any further information. Today ( XX/XX/2020, at XXXX ), I contacted affiliate asset solutions ; they were rude and continued to harass me for a payment that I do not understand. I asked if they had any information about the group that is trying to collect, and how I could get in contact with that group was told no. Again, my loved ones and I have received repeated phone calls, dealt with rude and standoffish behavior. I did not receive enough information to verify the debt ( what this debt was for, the location and who was the Dr. ),  dispute me asking for a written statement affiliate asset solutions did not give me a notice of right to dispute. They did not have any information for my insurance company to contact them and pay for this bill, but my insurance was able to go around and fix the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: NY
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:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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