BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 was staying at a place called XXXX XXXX XXXX located in XXXX Fl. XXXX XXXX XXXX is a property of XXXX XXXX. I was making payment online through their website for the rental I was renting. I made several Payments monthly from XX/XX/2022 through XX/XX/2022. I was using my debit cards from 2 different Bank of America accounts depending on which account the funds were available in. On XXXX or XXXX the day was our last day in the RV park as the unit was being rented out after that. I had gathered everything and had expected to see a final bill and what was owed after a walk through of the unit was completed. Nothing was received, instead a payment was taken directly from the account with no communication. The woman had called my parents but not my number directly. I disputed with Bank of America as they advised they would research and get back to me with in 30 days. I advised that I had not input my cc number on file to be saved, did not authorize the final payment and everytime I made a payment through the online system I always entered all CC info EVERYTIME as it was never saved! I disputed the charge as Bank of America advised it was legit. well of course but that was not Right of the RV park to take a payment that was not authorized nor was it right that no communication was directly with myself. 2 business in the wrong. And as it appears why and how would my information be available that they were able to process a payment? Is there software saving info with out knowledge and consent by the customer? Are they recieving full CC details on statements? How safe and secure was my information! In addition the woman ( XXXX XXXX ) the assistant Office Manager was or possibly still is also a Mortgage Specialist II for Bank of America. That would be abuse of powers and if she had connections still she was able to pull all bank details including my Debit Card info and able to see what was available. VERY SHADY! My information was not authorized no consent was given and I truly believe that there are laws and violations that have occured and yes the debt was owed but never verified and confirmed and the payment was taken with no authorization and finalization consent. I believe that my information data has been breeched and i would bet that I am not the only one. Someone has/had access to see my full banking information! Date XX/XX/2022 {$1400.00}

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 2023-10-11
Company: EQUIFAX, 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: EdFinancial Services
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I had an account with Edfinancial where I could log in, see what I owed on my federal loans, and make payments. Edfinancial moved all of their accounts over to a new online system starting in XX/XX/XXXX and mine got lost in the process. 

I have tried numerous times to log in online with my social security number and other information and I keep getting told that they can't find an account associated with me. They removed their old portal so I am unable to find my old account information to see if they can find it that way. I have called them multiple times to find out what happened. I have been told more than once that they would get back to me in 3 business days with my account information and they never did. The last time I called them ( a few weeks ago ), I was told that I needed to wait until they transferred my account over to their new system. When I asked how long that would take, the representative couldn't give me an answer. She told me not to worry about it, and that I wouldn't be responsible for a payment until that happened. 

However, Edfinancial is sending me all of these emails stating that I owe them money for my first two payments. They are able to tell me how much I owe. They are able to locate my information to be able to send those emails, but somehow still can't find my information in order for me to log in and start actually paying. 

I am extremely frustrated over this situation. Interest is accruing over the full balance in my account, which means that I am going to owe them more money in the long run. It feels very predatory and deceitful, especially when I am ready to start making payments and had an account with them up until recently. Additionally, I qualify for the PSLF program and can't get that started because I need my Edfinancial account information to use for my application.

If anyone is able to help, that would be wonderful. I have tried my best to work with Edfinancial and they have not been responsive. I feel like I am being taken advantage of and just want to sign up for the PSLF program. Thanks!

Company response to consumer: Untimely response
Consumer complaint received 2023-12-12
Company: MOHELA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The student loan Account from MOHELA Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like XXXX, XXXX, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: MOHELA
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX, XXXX,XX/XX/XXXX, and XXXX, XXXX, XXXX and XX/XX/XXXX, I had late payments on my student loans when I was unemployed, still in school or barely making any money. As of XX/XX/XXXX I have paid all of my loans in full. I called MOHELA on XX/XX/XXXX and they said I need to file a complaint/dispute with them so they can investigate further into the exact reason I didn't pay on the intended date and then they can perhaps proceed to remove my bad credit on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit 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:
Started as a cold call saying that they are partners with XXXX and they can feature my business on XXXX and they need to interview me to see if my business is eligible to be featured. The " interview call '' did not mention XXXX and they started selling chatbots on my website to attract new patients. Despite many times " I said NO I am not interested '' the salesman continued to harass me and offer me lower numbers and deals. His last attempt was to offer a 60-day money-back guarantee if they failed to provide a specific number of new patients. The salesman shared a document with me and started talking only about the money-back guarantee and had me sign. I later received an email with 2 documents, one was a contract saying I have literally no rights as a customer and I can not even report it to my credit card company plus have no right for any refund, The second document was the 60-day money-back guarantee. I found out that they charged my credit card {$4700.00}. I emailed the company immediately to cancel, I kept calling, and no response. Until I spoke with XXXX XXXX who said no refunds even XXXX did not provide any service plus they don't treat customers differently. I found out from their XXXX reviews that they have refunded others. 
I reported the issue to my credit card company, Chase Bank, and they said because of the signed contract, they can not do anything. XXXX informed me that because I disputed the transaction with my bank, I am in breach of the contract.

Company response to consumer: In progress
Consumer complaint received 2023-10-31
Company: Google Compare Credit Cards Inc.
State: UT
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Google does not allow me to redeem my Google Play gift card purchased from XXXX XXXX. 

I provided my receipt and the details of the card. 

However, Google refuses to help with a generic template email : We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute certain information on my credit report related to the following accounts. The discrepancies have been acknowledged by the respective banks as internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, and XXXX XXXX XXXX , XXXX. XXXX. I have attached supporting documentation, to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company by the name of Jefferson is reporting on my credit report, I have disputed this account multiple and it keeps coming back verified without sending me the information I requested.I have never had an account with this company and never gave them permission to report on my credit profile I have request a debt validation letter and a contract and the company will not provide that I would like a debt validation letter and a contract with my signature and a 1099 something. I have noticed multiple violations on my credit report from this company as well, along with their unpredictable reporting. I never have never done any type of business with this company. And will also be suing for defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There was a summons left on the address that I no longer live at for a debt that was charged off XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with Experian and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
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:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: IN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$130.00} ; XXXX XXXXXXXX Balance : {$0.00}.

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 2023-12-13
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX/ XXXX XXXX XXXX closed the location that I used to work out at. I have attempted to cancel this membership at least 5 times. Each time they take the information and commit to respond. They do not respond and another charge would appear. They have disconnected our phone calls several times after waiting on hold multiple times. I finally denied the bank charges after all these attempts of trying to cancel my membership, and now they say that I owe back membership dues. I have never been to the health club since they moved their location two plus years ago and they can see that in their records as my card has never been scanned. I paid and was patient after requests to cancel, and they never processed my request. I am entirely within my right to refuse further excessive payments and the amounts sent for collection are inaccurate and unfair. All requests for calls and contact with me should collection should cease and desist immediately. My credit should be restored and this collection effort should not be reflected on my credit report. It is inaccurate.

Company response to consumer: Closed with explanation