BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: FinCo Services Inc DBA Current
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Am Keep Getting and Error Message and Unable to access my account i contacted current Customer Service and they are Refusing to Fix this Problem with my account or help me gain access to my account everytime when i try to login to Current i keep getting and error we couldnt verify your account please reach out to support for assistance XXXX i have send them several emails asking them to fix my account access and they keep telling me to log out app and reinstalled it i have reinstalled the app several time still cant access my account current is being terrible to me and they are refusing to fix my account XXXX this point am requesting for and investigation for why current is refusing me to give me access to my account on my correct current device please help me with this please at this point i dont know if they are doing this for the fact the account is on hold and they refusing to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NV
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:
After making multiple calls, it became evident that the information provided by XXXX does not match with my records. Upon further investigation, I discovered that the email address XXXX, which was used during the transaction, was created from my stolen phone. Additionally, XXXX claims that the loans were taken out from both XXXX and XXXX. However, despite my efforts to contact both companies, they have confirmed that there is no record of any loans associated with my account. I have attached the emails for your reference. 
Despite presenting this evidence, XXXX is unwilling to remove the fraudulent loan from my credit history. They insist that I am responsible for the loan, even though it was created using my stolen 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 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
According to the law 15 U.S. Code 1681 b - Permissible purpose of consumer reports, A consumer reporting agency can not furnish a account without my written instructions is considered Indentity theft. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I received a copy of my credit report and found the following items to be INACCURATE and has violated my rights XXXX : XXXX XXXX Account number XXXX XXXX XXXX XXXX : Capital one Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX XXXX : XXXX XXXX Account number XXXX XXXX : XXXX XXXX Account number XXXX XXXX : XXXX Account number XXXX XXXX : XXXX XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
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, 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.

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 2023-07-07
Company: KEYCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2023 Went into a KeyBank location at XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX I do not have a checking or savings account with KeyBank, but my work uses this branch and their website states " Non-clients can cash certain types of checks at any of our XXXX branches. Types of checks we can cash. For people without a KeyBank deposit relationship can quickly and securely cash checks drawn on KeyBank accounts, as long as the check is for less than {$5000.00}. '' I have previously cashed checks here without incident. The check I intended to cash was {$2700.00}. I was informed that I can not cash the check since it exceeds {$2500.00}. I informed them what their corporate website says, and that CFPB states on their website " If you are at a bank or credit union where the check is from and you show the identification they require, the bank or XXXX XXXX must cash the check if there is enough money in the account on which the check is written. '' I had previously been required to show two forms of ID ( drivers license and debit card ) to cash the check, and had done so. I asked the employee who I was speaking with if KeyBank corporate website was wrong, or if CFPB was wrong and he wouldn't give me a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The XXXX XXXX card has a {$100.00} global entry credit. I got the card, and used the benefit. Chase did not reimburse the {$100.00}. I called to inquire and they sent me a letter saying since it wasn't automatically applied to my statement that it's not eligible. This is not true. I have followed the rules and do not deserve to be punished because of the company 's arbitrary software rules. I will take this to court if I have to. This is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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 - Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX The above referenced accounts either are completely incorrect in terms of payments dates/or balance updates. Additionally, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX is an account that I have never signed ANY agreements for or personally had services from. These accounts have just been updating balances through each dispute to stay on report. ALL account dates and info is incorrect. 

Examples include Account Name : XXXX XXXX - Account # XXXX, I do not have this account and it clearly states my last payment was well over 2 years ago but the account still shows as " open '' 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 non-monetary relief
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXXL 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 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as we had asked to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that this Law Firm is or has been designated as the XXXX over the property of XXXX XXXX XXXX XXXX Georgia XXXX your firm was given authority over this property then you should be well acquainted with all of the assignments listed in court documents such as we have stood on the premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round. In our files the loan numbers are as follows XXXX XXXX, XXXX XXXX, Bank of America XXXX XXXX VA XXXX # XXXX now we are told that XXXX is once again proclaimed to XXXX party of the property. Yet we have received only XXXX more notices of assignment changes and they are for BOFA MERRILL LYNCH XXXX XXXX, XXXX ( NEW OWNERS ADDRESS XXXX XXXX XXXX XXXX XXXX, NY XXXX ) Now in relations to these assignments it is now a company documented by the Secretary of the State of Georgia first under XXXX XXXX and now XXXX XXXX as XXXX XXXX No. XXXX BOFA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, North Carolina XXXX XXXX 

We have irrefutable evidence that in 2006 our loan was paid in full by XXXX XXXX and was a resale exchange.Irene XXXX XXXX XXXX Bank of America in a written statement That we had a purchase money transaction, and it is evident from their review that the proceeds From this loan was consummated in XX/XX/2006, any extended right to rescind, even applicable Has expired pursuant to TILA Furthermore There is no evidence of a Mortgage documented on any of the XXXX credit bureaus since XXXX file examined by FOIA. 

The XXXX XXXX Department has taken our case and have assigned a XXXX involving the life of our loan and the suspicions of fraudulent activities concerning over the life of this loan.

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 2023-10-22
Company: CAINE & WEINER COMPANY, INC.
State: MO
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, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the the rights to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16665 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-01-27
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Experian continues to report accounts that are the result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX These accounts were previously reporting on XXXX as well as XXXX however after providing both XXXX and XXXX documentation supporting the fact that these were opened due to Identity Theft these items have been removed and blocked from my credit report. I have informed Experian of this as well as the creditors, but all parties remain negligently non compliant. This is my 3rd time submitted a complaint with the cfpb to get experian to resolve this issue, however they continue to tell me the items will not be removed or blocked due to the items not meeting the criteria even though they are the result of identity theft. I have tried multiple times to explain this to them and they continue to force me to suffer through their automated dispute process and send generic responses or allow the creditors reporting this information to continue doing as well allowing them to update the account with snarky comments stating " Completed investigation of FCRA dispute - consumer disagrees '' when in fact they are not even investigating this and the only proof Ive been supplied by either company is a signature that does not look even remotely close to mine. Thier processes are automated and do not do their due diligence in investigating these matters. 

XXXX provided me this confirmation number for the removal and blocking of these accounts and I believe Experian should check with them to ensure they're following the same processXXXX  The confirmation number for the removal of these accounts was 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 2023-10-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/2023 my bill pay account with XXXX XXXX sent my mortgage payment out twice on the same day with different confirmation numbers to Newrez which was received by them on XX/XX/2023. I requested they send one of the payment back, which to be done within 3-5 days. On XX/XX/2023, Newrez informed me they sent a check to me instead of returning the funds {$1400.00} back through electronic funds transfer as received. On XX/XX/2023 when the check never arrived I requested they cancel the check and send it back to the XXXX XXXX via electronic transfer. On XX/XX/2023 the funds had not been received and again Newrez again confirmed it was being processed right then and should be reflected back in my bill pay account by XX/XX/2023. Friday XX/XX/2023 I informed Newrez the the funds still had not been returned at which time, they informed me it was being processed then and should be reflected back in my account within the next 10 days! XX/XX/2023 it was confirmed by my bill pay account ( XXXX XXXX XXXX XXXX ) that the {$1400.00} had not been returned and I was facing overdraft charges. Since XX/XX/2023, I receive one excuse after another for this payment not being returned. Need assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX  Acct # XXXX, XXXX Acct # XXXX and XXXX XXXX XXXX  Acct # XXXX, 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 a account without my written instruction.

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 2023-06-28
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My last complaint for my services was closed due to the lender stating my loans were in consolidation at the time. My consolidation is complete and my loan counts are incorrect. Prior to my consolidation I had XXXX counts in XX/XX/XXXX, which would bring me to XXXX counts to date in XX/XX/XXXX. 

I submitted a new PSLF to show my past public service employers since XXXX and was only granted XXXX counts for XXXX and XX/XX/XXXX. Why not give me the full count when reviewing my new application. My concern is when payments resume I will be forced to make a payment ( when I can not afford it ) and I should be at XXXX payments in XX/XX/XXXX. 

I am requesting my count to be updated accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
I signed up for experian boost They charged XXXX XXXX  XXXX I cancelled whatever membership it was I never wanted that

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,

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 2023-10-23
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Back in XXXX I had called EdFinancial to inquire about an income driven repayment plan. On XX/XX/XXXX, I called and they told me my request was going to be processed within 26 days. I checked my account on XX/XX/23 and I saw that I was still in the standard repayment plan. My process was never processed. I submitted another request on XX/XX/23, and I am hoping to get this resolved before XX/XX/23 as that is when I have to start paying my loans back. I cant afford to pay $ XXXX for my loans. Additionally, approximately 2 weeks ago I called around XXXX and left my number so they can call me back. The wait time was 5 hours and I never got a call back!

Company response to consumer: Closed with explanation