BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: GA
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:
On XXXX of XXXX I received several notifications showing that my consumer credit score was decreased. It is XX/XX/2021 I havent received any letters in the mail as of why the accounts were re inserted on to my consumer report. I called and asked to give me evident information on the investigation and who was contacted, what day, Ive also asked for the original application of these accounts with my signature. I did not receive any documents, notes, or verification on who opened these accounts. I have sent in certified receipts and I didnt receive any response for disputes and this previous dispute I sent in a police report, FTC XXXX and after 100 days of sending the documents since XX/XX/2021 and it is now theyre trying to dispute it. Its been longer than 90 days that is passed what the federal law says. An agent mentioned that there is no law that is over their policies at the credit bureaus and I was hung up on several times and I had to call back. I called in and I was told that these are my accounts, I asked how. You can not falsely accuse someone of anything, I feel that is a crime of placing that onto me and defaming my character. This has harmed and dismantle my life, and is causing distress and homelessness, I have lost my job, it is the cause of inaccuracy and ignoring my voice and me as a human being. The accounts of XXXX XXXX was removed a year ago. I sent in viable evidence to show that the accounts was identity theft. My personal information was leaked through several breaches, Equifax Breach and several other breaches. With that being said the federal law states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This is the federal law not a policy, mandate, it is a law that should abided not ignored. There for it becomes a major problem when I am treated unfairly of my rights under these federal laws that protects me as a consumer. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2022-07-07
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Navient Solutions, LLC.
State: AL
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:
My Student loans had been in forbearance during a gap ( XXXX ) period that I spent XXXX XXXX in XXXX. Ive since gone back to school. I called Navient, to explain my situation and get info on my payment options during this period. The navient rep suggested placing my loans in forbearance during the gap and that I just needed to make sure and reply to their emails when came time to renew my forbearance. In XX/XX/XXXX I realized I had a late payments for all Navient loans from XX/XX/XXXX on my credit report. I contacted them XX/XX/XXXX and was told that my forbearance renewal date fell a few days before their XX/XX/XXXX reporting date and that they did not receive my request until the first of XXXX, I explained, however, that I had received the renewal email XX/XX/XXXX ( was early morning the XXXX for me in XXXX ) and replied the same day XX/XX/XXXX. He said there must have been an error and started a dispute and asked me to provide him with the emails in order to get it sorted out. I provided both the email I received and my reply along with the original emails. He was very helpful but it took the department until XX/XX/XXXX to reply, after I had called many times and finally spoke to someone higher up. 

After speaking to them the decision was emailed to me and states they can not change the error bc their system shows XX/XX/XXXX and believe the documents I sent have the potential to be faked/edited. So I again reached out to the manager I last spoke to, again everyone I spoke to was very helpful and nice, but stated her hands were tied but allowed me to provide more evidence authenticating the email and when it was sent in case it would change the situation but couldnt guarantee anything. So Ive sent the header using XXXX XXXX XXXX XXXX XXXX, highlighted the IP/time stamps to both the received and sent email ( original ), the message ID, and emails web archive, but as stated I was told they likely wont change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Continental Finance Company, LLC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Verve credit card I have a verve credit card with a {$1000.00} limit with Continental Finance, I have had this account for 1 year, and I pay {$35.00} a month through automated payments set up through my bank checking account. I have never been late making a payment. On XX/XX/XXXX, Continental Finance made an unauthorized deduction from my bank account for {$130.00}, instead of the {$35.00} i normally pay. XX/XX/XXXX {$170.00} was deducted from my bank account without my authorization. I called Continental Finance and they said that I had a late payment so they deducted {$130.00}. I filed a complaint to the XXXX XXXX XXXX  On XX/XX/XXXX I received an email from Continental Finance, stating that if i pay 75 % of my bill of {$740.00} they will close out my account and my bill will be resolved, and I had to respond by XXXX  and If I did not respond to their offer then {$200.00} would be deducted from my bank account as a regular payment and my account would stay open..I responded before the deadline and agreed to pay off my credit card balance and I told them I would pay {$270.00} in 2 payments for a total of {$550.00}, by the deadline of XXXX XXXX XXXX XXXX XXXX  they made an unauthorized deduction of {$200.00} from my bank account. I called Continental Finance and told them we had an agreement and they were not supposed to deduct any money from my bank account, and I also asked about the amount owed because the email they sent me said stated my balance was {$740.00} but my credit card statements said I owed {$540.00} for the month of XX/XX/XXXX. I asked them to send me an email confirming the agreement that we made and also with the correct amount I still owe. The person ( XXXX ) told me that my account was already closed so he couldnt send me an email. I checked my account online and it was still open and I never received any notice stating my account was closed. I did receive a letter in the mail saying there was suspicious activity on my account so they had to cancel my credit card. I have not used that card at all for over 6 months or more, but my XX/XX/XXXX statement shows a transaction made for {$41.00} but it doesnt show where or what exact date of the transaction. 
I have paid this credit card in full already, I do not owe any money, but they keep adding fraudulent charges to my credit card account and deducting unauthorized money from my bank account. I want this account resolved with a XXXX balance and closed. On my statement for XX/XX/XXXX and XX/XX/XXXX it shows {$0.00} credit available but online it shows {$1000.00} credit, I do not have any credit card statements reflecting the amount of {$740.00} owed as stated in the email I received from them 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 2022-07-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 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
Consumer complaint received 2023-09-23
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made 3 purchases this week. One at an airport, one at XXXX, and one at XXXX. All three were showing against my available balance last night when I went to bed. Huntington charged a fee or removed a credit as they do not allow transactions to go through if funds are not available. I made a mobile deposit of {$200.00}. They unlike every other transaction did not make the funds available they are holding it for 4 days. I explained I needed those funds to feed my family this weekend. They didnt care XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have no record keeping of pending credits that may have disappeared. My account had {$4.00} when I made the purchase last night. For {$4.00}. Being poor and having a low isnt a reason to hold someones paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The company is Chase Bank. 
On XX/XX/XXXX Chase Bank did a Claim Reversal : to XXXX Claim : XXXX XXXX on four transaction {$1900.00}, {$1000.00}, {$820.00}, {$100.00}. For these transactions, XXXX said that they didn't have that money and the bank said they didn't have. The bank closed my checking account without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Tribal Lending Enterprise, Inc.
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Earned wage access
Issue: Confusing or missing disclosures

Complaint:
I took a loan from this company for {$1000.00} on XXXX XXXX on todays date XXXX XXXX XXXX, my balance is {$1200.00}. 
I have paid {$1800.00} into this account already, have not missed or skipped a payment so I don't know how or why the balance is so high.

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 2023-09-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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 Barclays credit card ending in XXXX, I called Barclays and told them that there is a fraud on the account and my card was lost, They still added XXXX XXXX - {$250.00} and another charge from XXXX XXXX which is {$30.00}, In addition to that they also added {$18.00} in interest. 

I don't know how many times I would have to call them as they are not doing the needful. 

There is no online platform where I can report this on their website, that's why I'm reporting this on CFPB.

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 2023-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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:
I tried to book plane tickets through Chase XXXX  in XX/XX/2023. The customer service specialist booked the wrong tickets but insisted they were right in their system that left me with no choice but to cancel the tickets and to directly book with the airline. One month went by, no refund to my credit card of the amount they charged, I called in XX/XX/2023 and a supervisor confirmed they had an issue and would refund immediately. Another month went by, still no signs of the refund. I spent a total of over 5 hours with Chase XXXX being put on hold. This is some of the worst customer service experiences I've had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, 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 Account Number : XXXX Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased a used car for {$23000.00}. My annual percentage rate is 10.79 %. I put {$3500.00} as a down payment. My paperwork states at the end of my least I will be paying {$47000.00}. 

I noticed on my paperwork it has a Finance Charge this credit will cost me will cost {$11000.00}. I find this too high and absurd. I will be making Phone calls and complaining & looking to refinance this loan. 

We do not have an account number yet, this transaction just took place this week. Our Dealer is # XXXX & Our customer number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company CREDENCE RM XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDENCE RESOURCE MANAGENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint against Select Portfolio Servicing a few months ago. As a result of this complaint SPS agreed to work with me and to allow me access to homeowner programs that they had blocked me from in the past. I have had a change in financial circumstance and am in a better position to qualify for these programs. We did as they requested and submitted a full package for review to SPS 30 days prior to our upcoming sale date. However, SPS is stating that they refuse to even look at the package because it was received less than 37 days before the scheduled sale date of XX/XX/XXXX. We feel that SPS has not been straight or forthcoming with us. We had not been given a deadline prior to the submission of the updated documents and had been told that they would work with us.

We suffered a true hardship a few years ago but have slowly rebuilt ourselves financially and have applied for help over and over with SPS.  When we finally got them to respond we were offered a repayment plan that raised our payment significantly. We dont know how they came up with these figures, or what type of financial information SPS was looking at, but there is no way that we could enter into that agreement. After months ( that dragged into years ) of attempts to get their attention we were finally able to get reviewed for assistance last summer. However, we were denied due to " not being able to create an affordable payment. '' Through repeated phone calls we found that this meant that we did not have sufficient income. We tried to get information as to exactly what type of income calculations were used and what inputs were used for this evaluation. We never received any of this information. Our property is a three-unit triplex, and we have renters in the other two units, and my husband and I live in our unit along with our XXXX grown sons. We have owned this property for 20 years. 

After the denial in XX/XX/XXXX and the failure to provide us with the income and input information we wrote SPS a letter and also contacted several regulatory agencies ( including the CFPB ). We explained that our financial circumstances had changed and that we want a new review to be conducted based our current and correct income. I am self employed in XXXX  and my business is continuing to grow. My wife has worked as a XXXX XXXX XXXX for 7 years. We receive rental income from the additional units and my XXXX adult children are starting to contribute. We have the financial means and income to afford a reasonable payment and deserve a new review. In fact, when SPS responded to us they encouraged such a review, and a new package was submitted on XX/XX/XXXX. However, their agents told us that they would not even LOOK at our package, because it was received less than 37 days before our scheduled sale date ofXX/XX/XXXX. We have been playing these games and dealing with obstruction by SPS for  far too long!

Company response to consumer: Closed with explanation