BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with a fraudulent collections and fraudulent inquiries

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 2023-05-12
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime bank/ XXXX bank froze my bank account on XX/XX/XXXX at XXXX claiming I broke internal policies. 
No reason other than has been given. 
They requested Proof of identity Photo of ID front and back Proof of Address I submitted these documents and they claimed they needed more information and requested a W-9 I submitted that information and have not received any communication afterwards.

I have emailed 10 times and called multiple times and have been told i should of been updated in 24/48 hours but I have received no updated at all.

Multiple workers have said they will escalate the situation but when I call again the next worker tells me it has not been escalated. 
I need access to my funds and I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have submitted a previous complaint about this company, XXXX XXXX XXXX, and never heard back. During that time, my husband suffered a XXXX XXXX and I was focused on other things, so when I finally checked on the status of the complaint, they had closed it. Their response stated that my name was not on the loan and so they couldnt talk to me, even though I had submitted a P.O.A. previously. 

I had called them dozens of times trying to resolve this matter to no avail. We had MORE THAN repaid the loan, but with interest being raised to 90 %, I could never catch up. I ended up giving them back our car rather than have to deal with these people. 
I basically let it drop, but decided to contact them again about 4 weeks ago. I got an email response again saying they couldnt talk to me. I immediately emailed them a copy of my P.O.A. for my husband and have not heard back from them. I have emailed them about 4 times, never hearing back. 

What they did was unconscionable at a time when all I wanted to do was resolve the situation and my husband could not talk due to his XXXX. The details were in my original complaint that I have attached. 

I really hope you can help, not just for us, but for others in the same situation. Very sad to be so taken but what seemed like a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: CA
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 Equifax and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
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:
To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, 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 2022-05-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified of an account that was in collections. I had no prior knowledge of this debt. The original credit said it was placed in XXXX and is in collections in XXXX? The original creditor is something called XXXX XXXX. I have no knowledge of this company. It is listed on line as a known scam. They falsify owed money and try to scam people into paying it by having it in collections. I do not owe this money. My credit dropped XXXX points. I want it removed and I want XXXX XXXX flagged as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, the I received a letter dated XX/XX/XXXX from XXXX XXXX attorney, stating I have an outstanding balance due on a account from XXXX XXXX XXXX. 

I later received a letter from the same attorney stating that a notice had been filed of Substitution of Counsel dated XX/XX/XXXX, and received XX/XX/XXXX. This is the first notification the had received of a court case ever being filed on myself. 

Upon visiting the XXXX XXXX courthouse on XX/XX/XXXX and obtaining copies of the case, an examination of the records filed in court by the Plaintiff reveal that I was never properly served. 

The service addresses used were was at the location of XXXX XXXX XXXX XXXX XXXX XXXX, Indiana ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. I have never resided at that addresses. 

My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX I had no prior knowledge of a court case having been filed against myself. 

I found out that a default judgement was entered against me on XX/XX/XXXX since I didn't show for the court date, ( again since I had received notification of the court date. ) After examining the records at the court house I filed for a motion to Vacate Judgement and the hearing was XX/XX/XXXX. The hearing has been continued until XX/XX/XXXX since there was only an affidavit filed and a generic agreement filed with nothing to identify me as the Defendant. 

I contacted XXXX XXXX to verify this debt with me well over a year ago since they were listed on my credit report. To date I have never received any verification of the debt. I had only learned that XXXX XXXX XXXX was the original lender by means of the letter they sent to me dated XX/XX/XXXX. 

It seems that XXXX XXXX has violated the agreement they signed on XX/XX/XXXX with the Consumer Financial Protection Bureau regarding the use off Affidavits and obtaining default or summary judgments without the required paperwork with regards to verification of the debt. 

I am not sure what to do as my next court date is a couple of months away and I do not know if the judgement will be vacated. 

How should I proceed with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: CA
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 checked my credit report and found that some of the data were incorrect. XXXX is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issues as needing investigation and correction due to inaccurate reporting in my file. Please correct this. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance {$99000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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 3rd request plaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 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 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 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 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 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: Clear Mortgage Capital, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with Clear Mortgage Capital ( XXXX XXXXXXXX XXXX mortgage originator ) to refinance my home in XX/XX/2021. On XX/XX/XXXX, I was provided a favorable mortgage disclosure of loan fees and credits after lender review of my credit, debt and income. Around XX/XX/XXXX, I was prompted to promptly sign a different mortgage disclosure estimate with a {$1700.00} increased pricing adjustment. After disputing the increased fees, the Loan Officer, XXXX XXXX, justified the increase to XXXX XXXX need to subordinate the new loan because of an existing Solar Panel lien on my home. After I explained that the XXXX XXXX XXXX  company confirms their willingness to subordinate their 6 year old lien and that XXXX XXXX  would be in sole lien position as expected, he later responded that any subordination triggers a price adjustment increase and that I have 12 days remaining to accept or reject the loan. 

After applying for a straight refinance for a minor ( .46 % ) interest rate reduction, submitting all reqested personal credit and financial information, and receiving a favorable mortgage loan disclosure estimate from Clear Mortgage Capital, I was surprised and disappointed to receive a subsequent disclosure increase with no logical connection to my credit, debt and financial standing. My experience from this encounter feels like a " bait & switch encounter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2021-08-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello. My name is XXXX XXXX and on XX/XX/2021, I noticed a fraudulent activity for the amount of {$2000.00} withdrawn from my Chase checking account via XXXX. Within an hour of noticing, I contacted Chase regarding this fraud. The chase representative informed me that it would take 10 days for the claim to get processed. Within those 10 days, I received a text alert stating that a new recipient [ XXXX ] was added or edited to my XXXX contacts. I proceeded to contact chase regarding this matter. A Chase representative informed me to send a screenshot of the text alert to XXXX. A representative also informed me that my claim was denied and closed. Being shocked by the news, I spoke to another representative and she informed me to fax all the proof that my email and social media was hacked that same day to the Chase fraud department. About a week later, I contacted Chase again regarding an update on my fraud claim. During this phone call, I again was informed that my claim was denied and closed. I have been a loyal chase customer for over a decade and a previous J.P Morgan employee. I truly can not believe the lack of customer service from Chase. I am a dissatisfied customer and I would truly appreciate if I can obtain support and assistance from you with appealing the decision from chase bank to deny my fraudulent claim. In an effort to rectify this issue, I will be filing a police report and re-appealing the decision. Feel free to contact me via email at XXXX or via phone XXXX XXXX XXXX XXXX. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account is in the Fresh Start Program anything over 7 years must be removed from credit report. It has been a total of 12 years I contacted Department of Education and they told me they would remove it they also told me to dispute is on my credit so I did the reported it as accurate this account should not be on my credit report it is stopping me from living basically I cant get a house because of this I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, Experian , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail.
Sincerely 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 2023-05-12
Company: Experian Information Solutions Inc.
State: TX
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:
You have have reported transactions on my credit profile between myself XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, according to the FCRA to 15 USC 1681a ( 2 ) ( a ) ( 1 ) except as provided in paragraph 3, the term consumer report does include reports contain information solely as to transaction. My transaction history between I and the creditors are EXCLUDED from the consumer report. Delete all these alleged late payments, ALL items marked late as demanded. My federally protected consumer rights are being violated. I am being harmed financially, emotionally and physically due to these unfair and defamatory remarks. On several occasions I have demanded that the credit reporting agency uphold 15 USC 1681 that my privacy be respected the financial institutions have all failed to provide disclosure 15 USC 6802 Gramm Leech Bliley act, that would allow me to opt out of reporting transactions. we are in an arbitration and there is a charge off from XXXX on my credit profile. I demand that it be taken off. This is my final notice before filing a law suit for injury. I have not been able to find stable housing due to your defamation of charter on my credit profile and I have filed with the FTC aggravated identity theft. As you are acting as the one whom knows more than me what is and what is not valid on my credit report. Although I have disputed According to 15 U.S.C. 1692 ( e ) ( 1 ) is a subsection of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. Specifically, this subsection provides that a debt collector may not : " ( 1 ) use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) The false representation of -- ( i ) the character, amount, or legal status of any debt; or ( ii ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ''

Company response to consumer: Closed with explanation