BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am requesting that Experian remove the address listed on the Experian Credit File, history : XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: Medical Data Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called XXXX XXXX hospital, financial department and could not reach assistance to verify the correct number for medical data systems. I have reached out to them twice via email with no response. I want to pay a debt of it is truly mine but can not reach a person to help me research this bill.

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 2016-04-27
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested several times validation and nothing has been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Monterey Financial Services LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Bill for services provided by XXXX ; toal of XXXX, apid XXXX. Third party lender ( Monterey Financial Services ) financed a remaining balance of XXXX on bill. After 4 payments of XXXX ( total of XXXX ) paid so far, called for payoff amount and was told it was XXXX! Nearly 200 % profit on a 14 month loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I lost my job and fell behind on my cable bill, I owe {$120.00}. XXXX XXXX sent the bill to collections and ever since I have received calls daily, at times 3-5 times a day. I told the XXXX collectors that I JUST started a new job and that as soon as I have enough money I will pay them, the calls then slowed to 1 call every other day. Now I am receiving the calls from a XXXX NY number for the same bill and I told then the same thing, I will pay the debt as soon as I have the money but they continue to persistently and annoyingly call. I work vigorously long hours at a physically demanding job and I 've been woken up by then calling at XXXX several times now and they will not leave me alone.

Company response to consumer: Closed
Consumer complaint received 2015-07-28
Company: Netspend Corporation
State: MD
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
NetspendXXXX XXXXMy card was hacked a year ago during a breach with XXXX XXXX. Netspend notified me and sent me a new card and my old card was supposed to be cancelled. I noticed on two different occasions that the card was still active so I called customer service and attempted to speak to the customer service. I say attempt because the only english they seem to speak is what is written on their script but they assured me the card would be cancelled. Well here we are a year later and the card that was supposedly cancelled got used in XXXX about 7 times within 15 min and took {$600.00}. I immediately called when I got the text alerts ( the charges started at XXXX and I called at XXXX same day ) and told them not to approve the transactions which were still pending. Again the lack of understanding english was a huge barrier and three different customer service reps told me different things. I finally got someone from corporate to call me back three days later and she stated since this was clearly their fault my money would be credited by the end of business. Here we are and no money. I am unable to talk to the corporate office again they told me they cant transfer me, my money is no longer pending but paid to the company in XXXX, and now they are telling me it can take up to 60 days to see my money because it was posted I had to file a written dispute that must be investigated. They admitted to me that this card was part of the security breach and should have been cancelled but there was nothing they can do to help me and they refuse to transfer me to corporate again. This is outrageous, never have I had such difficulty when a company clearly dropped the ball. Now my mortgage is going to be late and I have no idea when I will see my money. They refuse to allow me to speak to an American or give me the corporate number. Total I have spent over 5 hours on the phone and all I get is some foreigner reading off a script. They will not give me their names either when I speak to them! I am wondering if I should contact an attorney.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Netspend Corporation
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Received an un-solicited card in the mail. Could not reach a person to resolve the matter. All calls went to machines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
My family and I found a beautiful short-sale home from Chase Bank in XX/XX/XXXX. We placed an offer that was accepted by both the seller and the Chase bank but, in XX/XX/XXXX Chase came back and requested more money. At XXXX we offered {$260000.00} using a VA backed loan with the seller covering all closing cost at 2 %. When chase came back requesting a final offer in XXXX, we raised our offer to {$270000.00} with the seller covering closing cost at 3 %. This was accepted and on XX/XX/XXXX we went to settlement and close on the home, all documents were signed and I was given the keys to our new home. However, a couple hours later my realtor and broker called to inform me Chase did not accept the HUD-1 statement and wanted more money to the tune of {$3500.00} ( {$2000.00} escrow and an additional {$1500.00} ). As a XXXX and wounded veteran I was appalled by the GREED and DISHONORABLE behavior displayed by employees of Chase bank that are willing to let another veteran ( the seller ) go into foreclosure for {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: Transit card
Issue: Unauthorized transactions/trans. issues

Complaint:
To whom it may concern ; My name is XXXX XXXX and I am a previous Netspend cardholder. On XXXX/XXXX/2015 I filed a claim for unauthorized charges. I received correspondents in the mail on XXXX/XXXX/2015 informing me that claim # XXXX was found in my favor and {$180.00} would be refunded to my account. Unbeknownst to me, my account was closed on XXXX/XXXX/2015 without reason. I was never informed of anything suspicious on my account nor was I informed that my account was even being closed. On XXXX/XXXX/15 I tried logging into my Netspend account only to receive a message to call customer care because my account was locked. At that time they informed me that my account was closed and the funds were issued to a check and sent out to my address on XXXX/XXXX/15. I have yet to receive anything in the mail and any helpful answers for Netspend Customer Care. I even opted to have the check canceled and the funds put into a relative 's Netspend account. I 've read numerous accounts and complaints about closed account owners never receiving their check as promised. I can not afford to be one of those. If the check was sent out from Texas on XX/XX/XXXX, I should have received it by now. I just need my funds returned please. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Silver Cloud Financial, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I had a bad check cashed on my checking account, as a result, my bank blocked my account. I opened a new checking account, but I felt uncomfortable giving my account and routing number to  Silver Cloud Financial.  I called to make another way to pay them, but they wanted my ACH number. They would not offer sensible alternatives, they said i could mail them a money order, and I said that was too inconvenient They said Bank  of America  card would not process their payments, finally they suggested a prepaid card   XXXX   XXXX  . After getting the card, I called to make the payment. After speaking to  XXXX  and  XXXX , who both said I could use the   XXXX   XXXX   XXXX  , when I called to make the payment, they gave me the run around. They bounced me from  XXXX , to  XXXX , back to  XXXX , and finally,  XXXX  who finally processed the payment.  XXXX  took the payment but hung up and would not confirm that the payment was received. After calling back several times,  XXXX , said the payment was received and said my next payment is due on the   XXXX   XXXX   XXXX   XXXX  . I want to pay this loan off with no additional charges except the  XXXX  they say I still owe, My original loan was for {$500.00}. I have paid them  XXXX  so far. I usually would pay them in less than 30 days, but due to a financial emergency I could n't pay, so I agreed to payments. I did know the charges were so outrageous as they are..

Company response to consumer: Untimely response
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support 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 2015-06-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed numerous CFPB complaints since XXXX of this year about XXXX XXXX Card and Experian 's reporting of it, yet false reporting on my Experian credit report continues. Specifically, there are XXXX XXXX XXXX XXXX previous CFPB complaints about XXXX Bank XXXX # XXXX ; # XXXX ; # XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX previous complaints about Experian XXXX # XXXX ; # XXXX ; XXXX ), for a total of XXXX XXXX XXXX XXXX, separate previous complaints about XXXX them since XXXX of this year. 

Why has the CFPB allowed the false reporting on my Experian report to continue? 

On an Experian credit report for me dated XX/XX/XXXX ( report # XXXX XXXX, XXXX malignant refuse is scattered throughout the report. On page XXXX, a charge off from XXXX XXXX is shown in XXXX of this year. Yet, again, on page XXXX of the same report, XXXX XXXX 's dirty litter remains on my credit report, when it is shown that it received a copy of my report on XX/XX/XXXX 

In view of the systemic, wanton lying on the part of XXXX XXXX, XXXX Bank and Experian, as documented in XXXX complaints now, I ask the CFPB to sanction all XXXX of these bad actors in the credit, credit reporting, and financial services industries. 

All XXXX of these institutions should be shut down immediately, all of their receipts should go to a special master and they should all be fined heavily for their wanton violation of fair credit reporting laws. 

All reference whatsoever to XXXX XXXX in my credit report should be eliminated once and for all, and all sewage streams that continue to try to dump refuse about it into my report should be permanently XXXX and denied any further access to my report. 

Experian should be fined daily, with exponentially increasing amounts, for its failure to implement these corrections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2017-02-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX of 2016 I was the victim of a cell phone ( smartphone ) theft. The police report is attached. Due to that there was a avalanche and domino effect of low level identity theft. I am not rich therefore there is n't much for a thief to take. However, what I have I am proud of an I take honor in maintaining. The person who took my phone ( I 'm assuming ) was able to deplete my checking account as I had several virtual cards and other sensitive information there for the taking, unfortunately. This left me without funds other than what was in my pockets or at my home. I eventually was able to have every penny given back to me but it was weeks before this happened completely. I had to block my bank account to prevent further damage and as a result could n't pay my Chase account in a timely fashion. As a result, the payment was late and I went from a great customer to a one with a 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan started with XXXX XXXX and Navient became my servicer and failed to contact me to notify of the change. I was in default I was asked to pay 9 months straight to clear my credit when I called to have this consolidated via XXXX. I paid the 9 months on time and then they told me the loan was transferred to someone else and they could n't fix my negative standing with the bureau. It 's been difficult for have any reliable and useful help from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2016-10-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft and the person who stole my identity had used my social and had my credit ran to receive services. Detailed list includes the XXXX hard inquiry in which they got approved for services fraudulently is still on my credit report even though this was reported as fraud with my sheriff 's dept and an affidavit from FTC was submitted. This item is being used by someone in XXXX and the service address is showing XXXX. I live in XXXX and dont live in XXXX. Another one, XXXX XXXX, I dont have any credit cards and havent applied for any credit cards, and someone is applying every few months with XXXX XXXX, again, this is fraud and the credit reporting companies are refusing to remove this item. I have sent letters in writing with copies of my police report with XXXX County Sheriff # XXXX and my signed affidavit from the FTC has been submited to each company I have disputed with so these need to be removed. There are about XXXX accounts between the last year that this person used my social to obtain a hard credit inquiry for and also XXXX collections account from XXXX for XXXX that was confirmed fraud and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XX/XX/2016. Navient received a check I sent them for {$15000.00}. I know this because I have a return receipt from the the post office which is dated and is stamped by Navient. I called on XXXX/XXXX/16 around XXXX to enquire why the check has not been posted to my account. They said they have n't recieved it. I spoke to a supervisor by the name of XXXX. She asked me to fax them the return receipt and to verify if the check had been cleared with my bank. The check has n't been cleared.I faxed the receipt to them today. She also said it would take XXXX business possible days for the process. I told her that I wanted to pay Navient as soon as possible and on I do not wish to wait that long. I am now paying for the {$15000.00} loan with my bank as well as Navient.. I need to get this done asap..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been contacted by Monterey Collections claiming I owe a debt for annual maintenance fees for a timeshare unit in XXXX. I timely responded to their initial correspondence requesting proof of debt, including signed documentation proving I am personal liable to pay this debt. 

Such documents do not exist as I am not the original owner and never signed any. I bought this unit in the after market and at that time only assumed the then current year 's maintenance fees which were paid at the time of purchase. 

They have not supplied me as requested any documents showing a legal responsibility to pay this ongoing fees for some undetermined time and have been reporting to the credit bureaus a debt that I do not owe, thus negatively affecting my credit. 

I have disputed the debt twice with the credit bureaus and each time they have sent me as letter which is attached stating : " Please note that per the FDCPA, you had 30 days from the date you were notified by Monterey that your account had been placed with Monterey Collections, to request to dispute this debt. You were notified by Monterey Collections on XXXX/XXXX/2013 and were sent notifications at that time. You failed to request for verification within the necessary time frame. " I have responded to both of these letters that this claim is false and sent them proof in the form of a letter on their company letterhead that is dated within the 30 days of their original collection attempt letter acknowledging my receipt of my request for debt validation ( also please find attached ). Even though I did timely respond, they continue to hid behind this excuse and continue to falsely report this debt. 

This company has ignored my repeated threats to file a complaints which is why I have been forced to finally do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Same issue but now pushing credit cards even harder. Experian show on my Experian account that my credit score is XXXX while on the first progress credit card it shows XXXX which is in line with the 2 other reporting services. They keep showing me the XXXX to hope I will accept more credit cards and personal 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 2021-12-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My venmo account has been frozen and I don't know why, they refused to tell me why and now my {$2000.00} is in the app and I can't have access to it, my account was frozen on the XXXX of XXXX and I submitted my drivers license and it still hasn't helped me to recover my money, even when my account is verified I still can't Get my money

Company response to consumer: Closed with explanation