BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX have 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 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 2017-08-22
Company: National Processing Group LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On several different occasions an unknown caller has called and said consider yourself served. Left a number and with case number to call. When I called that number XXXX the gentleman told me that I owe a hospital debt and that I have been served? I have never been served and he stated just because I watch law and order does n't mean XXXX. I explained to him that my medical bills have been paid and that I just paid over 3,000. for XX/XX/XXXX and he stated that I owe {$900.00} from XX/XX/XXXX. I said that I would need to review that bill please send it to me. There is nothing on my credit report otherwise. He said that you can not deny you were at the hospital and you need to just pay it now or we will sue. Please have them stop harassing me

Company response to consumer: Untimely response
Consumer complaint received 2019-09-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have provided the reports with all FTC violation on these accounts 4 months later they have done nothing to resolve the breach that XXXX has known and claimed that was their fault please correct my credit so I can go back to my daily life as a hard-working agent that is just providing food for my family

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 2018-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XX/XX/XXXX I was cut a check in the amount of XXXX ... I wasnt thinking due to the fact that bills where passed due and Ive never had problems with this before I downloaded the banking App to deposit said check normally my bank in the past has granted me some money available but they didnt. On the next business day which would have been Tuesday the XXXX I called my bank and they told me I had to wait till it was done processing to have the deposit canceled as I needed money to pay bills. As expected my phone got shut off and the insurance lapses as well and I almost lost power due to Bank Of America neglecting to properly advise me. Since I also bank with the same bank the check was written from I asked if they had cleared it. I had been robbed two days prior and now I had another issue trying to get a state ID. Little to my surprise I recived back pay from another job and a new bank card as I went to try and cash them I ran into another problem apparently fraud had take. Affect and Bank of America neglected to inform me once again that they locked my card becuase of this now I was in panic and worse off then before. I called the number they asked me to call and asked them to unlock the card they placed me on hold over 2 hours before I hung up and called back again I did this several times before I lost it and profanity came out while on the phone with a representative. By gods good grace my other bank cleared my checks and I was able to pay said late bills with penelties. Now Bank Of America said they will hold my funds till the XXXX due to fraud in the area I live in. Thats fine but not understandable considering my other bank already released the funds and now my bank card through Bank of America has to be canceled. So now I dont have a bank card Im planning on closing my account but I fear they will not give me whats rightfully mine if thats the case I will place a new complaint

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 2022-06-15
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  Account # XXXX, DEPT OF ED/XXXX  Account # XXXX 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 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 non-monetary relief
Consumer complaint received 2017-09-12
Company: JPMORGAN CHASE & CO.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I have a XXXX by XXXX card. I stayed at the XXXX XXXX by XXXX from XXXX XXXX through XXXX XXXX, XXXX. After that stay, I discovered that I had been double billed ; once for my stay and once for the stay of another member of the group I was traveling with. 


I wrote to XXXX requesting a reversal of the charges to my card for someone else 's stay, as well as a reversal of all late fees, interest charges, and negative hits to my credit report. XXXX denied my request and found that the charges were valid. 


Of note, I can not have my phone with me at work. I can not access my civilian email from my work computer. I often come out from work at XXXX or XXXX o'clock to find several calls from XXXX, but their call center is closed by the time I leave and does not open until I have been at work for an hour or XXXX. The few chances I have had to complete a live conversation with a Chase rep have not been fruitful ( I have those conversations saved ; I clearly stated that the conversations were being recorded on my end to avoid any legal complications ). I mention that to illustrate some of the difficulty that we have had in communication. 


The hotel 's XXXX admitted, via email, that the charges to my card should have been charged to sI finally got this taken care of-the credit will be processed today. It XXXX take up to XXXX business days to be reflected on your card.omeone else. The XXXX first refused to refund me until another card had been presented, and then told me to do the legwork to find the contact information for the person whose stay showed up on my card, saying that they could n't refund me until they had another card. I provided the contact information to the XXXX. The XXXX responded with : " I finally got this taken care of-the credit will be processed today. It XXXX take up to XXXX business days to be reflected on your card. '' That message was sent XXXX XXXX. I still have not seen any refund to my card, and XXXX is denying my appeal to dispute the charge despite the emails I provided to them showing clear mishandling of the account by their affiliate, XXXX. 


I AM showing that my credit statements are being impacted, my Chase/Marriott card has been cancelled due to non-payment ( for charges I did not authorize and for late fees and interest associated with those charges ). 


I have clearly stated several times that I am asking that XXXX refund me the charges for the stay that was wrongly charged to my card along with all fees and interest associated with those charges. I 'm also asking them to redact the negative credit reports that have been submitted. 

So far I have received absolutely XXXX traction from either company. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a vehicle back in 2018 in my name that the payments was backed up from my understanding the car was repossessed an sold at auction it been reporting on my credit report ever since an I no longer have the vehicle because of repossession an by it being reported late every month it been nothing but a major set back it was financed thought Credit acceptance I think its all fair that we get this problem corrected this been a major set back in my life.Thank you so so much my ex wife was trying to destroy my life now this catching up to me after all these years please.

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 2017-09-12
Company: EQUIFAX, INC.
State: TN
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:
This is about the Equifax data breach. The breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022 at around XXXX my fiance sent me {$30.00} to my CashApp and I hadn't realized that I did not activate my card. I tried to log into my account to activate the card but was unable to do so as my phone had been stolen just a couple days before. I tried to make a new CashApp to get the money back and told CashApp customer service the issue. They will not help me to gain access to my previous account, despite having verified my identity several times using my full name, date of birth, social security number, and address. They even refuse to help get the funds sent back to my fiances account. Also, They have not refunded the transaction despite it showing canceled on my fiances transaction receipt. They are denying us our money and refusing to help correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
Dear Sirs, I have tried to open a bank account back in XX/XX/XXXX. I was denied multiple times by different banks. upon check on the problem of denial, I had seen that there is a " suspected Fraud '' notating by XXXX  XXXX XXXX on my Chexsystem report. I remember having a checking account with XXXX  XXXX  XXXX, never had an issue of any kind. XXXX  XXXX XXXX sent me a letter back in XXXX stating that they will be closing my account without any further notice. I had no problem with that, however, XXXX reported " suspected Fraud on my Chexystem  report which is currently not allow me to open any checking account with any other Bank. 

In XXXX, I disputed the reported directly with Chexsystem, The reporting was updated to " Settled in Full ''. I'm not aware of any amount I owed to XXXX  XXXX XXXX that lead to be settled. In XXXX, the Term was updated to " Settled in full '' and consumer disputes the reported information. Early XXXX, I called Chexsystem and asked them to remove the inaccurate reporting. The rep of Chexsystems stated that XXXX  XXXX XXXX is supposed to remove the reporting. 

I mailed XXXX  XXXX XXXX ( address listed on the report in XXXX FL ) in XXXX to request evidence or at least clarify any of the reporting. Never gotten a response after 60 days. Then I decided to call the number of the department responsible for the reporting, I was transferred to Fraud department, then to Risk Department, then to Closure department. None of these was able to specifically tell me why this reporting is remaining on my consumer report nor why it was reported initially. 

I'm attached a copy of my latest chexsystem dated XX/XX/XXXX report showing the " suspected Fraud, settled in full, consumer disputes reported data.

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 2017-09-12
Company: Experian Information Solutions Inc.
State: NY
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:
I have contacted XXXX credit reporting a few times requesting that they please report my XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my XXXX credit score. I was told I need to contact XXXX and have them report it to XXXX. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to XXXX. I could not get any help. I called back XXXX and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my XXXX credit report.

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 2022-06-15
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For the last two years, Ive requested claim documentations from Truist bank. Ive filed claims for purchases to vendors or businesses that didnt render services or faulty product that was received or damaged. Suntrust would file claim over phone but no documentation would be provided not online/ not in mail/ not over phone. I would call months later or see on my online statement that the claim was denied with no documentation of why or what transpired. I have made multiple attempts to retrieve and resolve these through phone/email/social media communications with the company and just with response enough to look as resolution is being made. Ive lost money and resources because of this and also wrote to the Fdic because since small claims can only go so far and other consumers are complaining and results on web search engines is providing recent complaints and stories from other consumers from Truist/suntrust with similar issues.

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 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have contacted XXXX credit reporting a few times requesting that they please report my XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my XXXX credit score. I was told I need to contact XXXX and have them report it to XXXX. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to XXXX. I could not get any help. I called back XXXX and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my XXXX credit report.

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 2017-09-12
Company: EQUIFAX, INC.
State: TN
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:
This is about the Equifax data breach. The breach lasted from XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 
I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I currently have loans in forbearance with XXXX. Sometime last year I was served by the XXXX XXXX police department for a suet filed against me for the loans with XXXX XXXX Plaintiff Bar number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Roosen Varchetti & Olivier law firm, the law firm that represents them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been aware of having any loans with XXXX XXXX. During the trial they provided loans they ( XXXX XXXX XXXX XXXX XXXX XXXX ) alleged were purchased by XXXX XXXX  XXXX which they claim included loans that were made to me from XXXX XXXX  XXXX I am not able to verify this loan ( XXXX XXXX XXXX XXXX XXXX ). Although I have no knowledge of this loan, the judge ruled in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the trial they had erroneous documents with redacted information that could not be verified by me. Now I am being sued again for two other loans, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which I do not know the origin of these loans ( they are also being represented by Roosen Varchetti & Olivier law firm in XXXX XXXX XXXX in XXXX Georgia XXXX ) XXXX The Attorney is XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, she works in the law firm Roosen Varchetti & Olivier law firm. I have seen where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX was sued by the CFPB for fraudulent loan collection activity and I am confident this is the case with these loans they are claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two inquiries on my credit report that were not authorized with me and these two inquiries should remove from my credit.The inquiries are XXXX XXXX  dated XX/XX/2019 and XXXX XXXX XXXX dated XX/XX/2019 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: NY
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:
I have contacted equifax credit reporting a few times requesting that they please report my XXXX/XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my equifax credit score. I was told I need to contact XXXX and have them report it to equifax. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to equifax. I could not get any help. I called back equifax and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from collector ( XXXX XXXX XXXX about a medical debit of {$360.00} owed from XXXX. I have never heard of this debt and was surprised in XXXX I received a letter of debt. I called the collected and told them I do not know what this is, then a week later I saw it on my credit report. I wanted to file a complaint because I have not clue what this debt is, the collected put in on my credit, that account is from XXXX and XXXX denied my dispute. I have no wear else to go, this is unfair from companies to do this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an 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 non-monetary relief