BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I sent EXPERIAN a certified dispute letter with proof of my identity by my government ID and proof of residency with my bank statement in regards to fixing my personal information that was reporting inaccurate address and employment on my credit report and I received my return receipt because they signed for it. I called five times and authenticated my identity through the phone and my email. I waited two month to pull my credit report and EXPERIAN refused to correct my inaccurate information. The representative I spoke with XXXX on XX/XX/XXXX was the most disrespectful person I ever encountered she said she wont be able to fix it due to me not sending in my full social security card. I have proven time and time again my identity but its wasnt to her or EXPERIAN liken. I feel that they deliberately make consumer go through difficult situations for their own satisfaction. I have been trying to get my personal information corrected for two months but each time they failed to do their job. They are violating my consumer rights and not following the FCRA guidelines because of the fact they want to cause me trouble and take me through pure XXXX. Its not right and something need to be done with their unprofessionalism and be held responsible for causing me harm to my credit report by not correcting the inaccurate information. I also recently called on XX/XX/XXXX and let them know of the inaccurate address they refused to remove the inaccurate address still reporting I told the representative my exact address that should be reporting. She told me it will take up to 24/48 hours for the change to be made only to see she erase my current address that I have proven time and time again my residency. She left a address that doesnt belong to me on my credit report and also log in and seen she purposely did this after I ask her have she received my dispute letters. She confirmed that she did receive my dispute letters with proof of my residents but still failed to complete her job. I login on XX/XX/XXXX just to see this address that dont belong is reporting as my current after showing proof of the address.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

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 2023-01-09
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Under the CARES Act, I requested a refund of my student loan payments made during the XXXX pandemic, totaling ~ {$5000.00}, on XXXX. I was initially told that the process could take XXXX weeks during my initial phone call when I submitted the refund request. I called once again for a status update on XXXX and was told by the initial customer service representative that my call will be transferred to a different department, only to be hung up on entirely. I called back minutes later, was again put on hold, and then had my call answered. At this time, I was told that my request could now take up to XXXX weeks to process. At the XXXX mark, which was last Monday XXXX, I called once again for an update. I was now told that my request could take up to XXXX weeks. 

In summation, I get the run-around and bad service each time I call Aidvantage for an update. I'm not sure if my request has even been processed, or when I XXXX receive my refund at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for and received a Discover Balance Transfer Card. The card was mailed to me and I received it and called the number on the card to activate it. After about 10-12 days I got a letter that said you need to activate your card and we need more info. Now this is AFTER I was told it was approved and I have the card in my possession. 

I called the Company on the number on the card and said I wanted to do a balance transfer ( that was the whole purpose of getting their card ) she took all my info, and after 20 Minutes on the phone she said was All Taken Care of.

I got some phone messages that said I need to contact them so I contacted them again. I was told that they needed to verify me. She said they needed authorization to contact the IRS for my last two years of returns. So I did that form and sent that to them. 

Another week goes by and I get more messages and a letter that said you were not approved for the Balance Transfer. WTH?. They said they needed MORE INFO now. 

She sent me a link for me to use my XXXX to take a Selfie and the front and back of my D.L. I did that ... ... they contacted me back and said it didn't work! So I did it again ... ... they said it didn't go through and " if I didn't get them what they wanted they would just cancel my card ''. They gave me an extension and they sent me a form to have Notarized and I had to get a Signature Guarantee also ... ..this cost me time and money! I got it done and emailed it in. I called to follow up and they said that they didn't receive it! I sent it again ... ... so that was sent in TWICE. 

Now another two weeks goes by... ..I have an approved card in my hand and can't use it as they have discriminated against me for some reason. I get a letter in the mail yesterday that says ... ..We canceled your account. We could not Verify you!

Now my Credit Score Drops because of this and I am out of time and money!

So to Recap : Got an Approved Card ... ..got a TON of runaround ... ..now I take a HIT on my Credit score Because of their incompetence!

This is NOT how you do Business! 

WHY DO YOU SEND THE CONSUMER THE CARD AND TELL THEM IT'S APPROVED AND THEN DO THIS TO THE CONSUMER????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a XXXX XXXX prepaid debit card on XX/XX/2023 with {$55.00} dollars on it which has been placed on hold. I have called the customer support number multiple times and have got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted in writing to all three credit bureaus requesting information on several accounts. Under the Fair Credit Reporting Act ( FCRA ), I formally requested to be sent any initial paperwork that I signed that legally they must provide to me within 30 days. 

Nothing was done other than to say your accounts were verified. No documentation was provided as legally required proving these accounts were accurate. 

I am hoping your organization can provide the legal help it was established to do, which is to help American consumers when we are following the letter of the laws under FCRA. 

Thank you in advance for your help. 

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 2023-05-29
Company: CAINE & WEINER COMPANY, INC.
State: MD
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 pulled my credit today, XX/XX/2023, and noticed this account was reporting but I never received anything in the mail about it. As far as I know, all my debt was paid in full to my insurance company so there should not be any unpaid or owed debts to any companies. I do not understand how its reporting when i have never been contacted and to my knowledge, I must get something in the mail before a collection can be reported. i did not even get the opportunity to dispute the debt in any part before it was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX of XXXX, J.P. Morgan Chase bank reported my account as 60 days late, then on XXXX of XXXX it is being reported as 30 days late then the following month on XXXX of XXXX it is being as 90 days late leading to a charge off in XXXX of XXXX immediately after that in XXXX XXXX XXXX of XXXX there is no data available until XX/XX/XXXX which was displayed as a balance update and a Charge off again which negatively impacted my payment history, the data of this account is being incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DRS Debt recovery solutions XXXX XXXX, XXXX  Collection account. {$1500.00} past due as of XX/XX/2023. 
XXXX XXXX  {$1500.00} XX/XX/2023 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1500.00} {$1500.00} 1 Month Individual I sent a written communication for debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: PA
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:
I noticed a credit balance on my account in decemeber. I contacted Chase to understand the reason there was a credit on my account of {$170.00} as of XX/XX/XXXX and they informed me that there was an overpayment. I inquired more and they directed me to submit a balance refund form. I verified that the balance was not a mistake and they confirmed. I filled out the form on XX/XX/XXXX and received the credit on XX/XX/XXXX. 
On my account activity from XXXX there was a reversal of the XX/XX/XXXX payment ( listed as XX/XX/XXXX ). I contacted Chase via phone on XX/XX/XXXX and was informed that there was a mistake and the payment should never have been applied to my account. Due to this I currently have a balance that is owed and Chase is unwilling to allow me to file a complaint or contest the charge. 
They sent me money that they told me was owed to me and are now telling me that it was not my money despite me checking and verifying with them previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An unauthorized credit card account that was opened in my name without my consent. Despite my diligent efforts to report and resolve this matter, I have recently received a letter ( XX/XX/2023 ) from Discover Bank stating that the investigation has been completed, and no fraud was found on the account and I am responsible for the balance of nearly {$50000.00}. They are going to report that to the credit bureaus. I strongly disagree with this conclusion. When I discovered that an account had been fraudulently opened in my name, I immediately contacted their customer service department and reported the unauthorized account. I closed the account and reported the incident to all three major credit bureaus, who subsequently removed the account from my credit reports. I am deeply concerned about this decision, as I have unequivocally asserted that I did not open the account nor incur any of the associated charges. I did not initiate the application process for the credit card account in question. I have never submitted an application, provided consent, or engaged in any activity related to this account. I have never had an actual physical card, so I could not even say the last four digits of the card when i was closing the account. I had to give my social security number to an agent for finding the account. I promptly reported the unauthorized account and diligently followed the recommended steps to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Advance America, Cash Advance Centers, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has a collection on my credit report for {$160.00}. I have not taken out any debt in this amount and I am not allowed to get loans from Advance America so I called them and they said they dont have this record under my matching information and it is not even the right birthday. Wrong XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Someone had contacted me on ( XX/XX/2023 ) about a personal assistant position in XXXX XXXX saying that it was no longer available but they had another position in my area and they said they got my information from XXXX. At first, I was confused because no ones ever texted my number from XXXX  they would email, but then I thought it was legit because they had my contact information. They then sent me a link and said, if youre interested fill it out, I was asking them about the location and they kept saying its remote and then I asked them about it a second time just to make sure and they had an attitude and told me I said it was remote its from home, in an annoyed way and like I would only have to work three days out of the week from home and get paid XXXX weekly. After I had filled out the form they said great you start next week and I didnt hear from them for the next three days and then on Tuesday ( XXXX XXXX ) they had texted me about receiving a check from them. It was delivered around XXXX XXXX  and I was told I can cash it around XXXX XXXX, it was a {$4900.00} check. I had mobile deposited the check into my account because they said that was fine, I want to say about XXXX of it was supposedly released to me thats what I saw in my mobile app. They wanted me to immediately send it to somebody and send them Screen shots of it confirming I sent the money to that person. The person ( XXXX XXXX ). The bank had said the check will be held until the XXXX and then on the XXXX it said it will be held until the XXXX and on the XXXX it said the whole check was getting sent back and all my money was taken out of my account which left me in debt, and the money that I did have went to that person that I sent {$400.00} to. I asked them about it and they told me that I did something wrong with the account and they will send me the money to cover the debt and my weekly pay as well. They told me I would be receiving a check shortly and on ( XXXX XXXX ) I received another check with the same amount that was on the first check and different signature on it, this time I took it to my bank and they told me the check was fake and to not contact the scammer anymore and to block him. Thats exactly what I did and now Im {$340.00} in debt.

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 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
My credit card had {$89.00} transaction on XX/XX/2023. 
I have not used this card in XXXX in Bj 's and any other place. So, I have tried to dispute transactions in online banking, which was denied by capital one. 
After that, I have called capital one to dispute the transaction and in the first thing, the call center has also denied to dispute this transaction. 
At the end, they filed a dispute on XX/XX/2023 and I showed credit for this disputed transaction and again, next day, I showed the debit of this disputed amount. 
Once, transaction is disputed, then, the bank should provide temporary credit and should not charge that disputed amount to the customer, but, here, capital one has denied to provide that temporary credit also. Right after seeing this, I have again called the contact center and they said they will look into this. 
Even after 4 week, I have not received any letters and updates regarding my dispute and complaint. 

Bank should not charge and should provide temporary credit for disputed transactions, but, here, capital one has failed and refused to do that. 
Capital one should refund me back the disputed transaction amount along with interest. 

I have also mentioned during my calls that, I will complain to CFPB and OCC regulators regarding this matters, but, still, there are no any updates from Capital one. 

Here, Capital one is violated several rules for dispute and harming to millions of customer like me. 

I am requesting CFPB to help me resolve this matters and also investigate disputing practice of Capital one. I believed, Capital one is doing harm to millions of customer like me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: Block, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I made a purchase with XXXX online total amount {$260.00} charged using the Afterpay option. The items were later returned and a full refund {$200.00} was processed by XXXX, however Afterpay did not return my full return as they advertised and they have removed the order from transaction history so I could upload proof of this from their platform. Attached I have the returns processed by Afterpay that do not equate to the amount returned by XXXX. Refund all my funds to my form of payment and stop practicing unethically.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: SANTANDER HOLDINGS USA, INC.
State: SD
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:
XXXX XXXX short paid Santander USA. Santander didnt notify XXXX XXXX or myself that it was a balance still due. Santander continued to report delinquent instead of reach out by phone or via letter. Im requesting Santander to correct the credit reporting remarks and account status to reflect closed and not closed charge off. They even released the title to XXXX XXXX  knowing they were short paid.

Company response to consumer: Closed with explanation