BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: Bliksum, LLC
State: DE
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:
On XX/XX/2018 I had an installment loan show up on my credit report from XXXX  XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After deleting and reinstalling the app on my cell phone, I have been unable to login. Their web help required me to login so I got no help. I called the phone number I found on the web for them and it goes to voice mail with no rerun call. The letter I wrote them on XX/XX/XXXX, attached, to the address I found in online search came back unable to forward marked XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers : UNIVERSITY XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers : UNIVERSITY XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2022-11-04
Company: EQUIFAX, INC.
State: PA
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:
XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
There's an account that has me as an authorized user that has to be removed immediately. there is also a fraud account from global lending services that is still reporting even after 'I 've sent in all proper documentation because this account was created due to identity theft/fraud. PER 15 USC 1681B I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS INVVALID INFORMATION AND THEREFORE IT MUST BE REMMOVED. I AM NOT ADMITTING OWNERSHIP TO AN ACCOUNT THAT IS NOT MINE. I WILL BE FORCED TO TAL=KE LEGAL ACTION IF THIS MATTER ISNT RESOLVED IMMEDIETLY.

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 2019-01-25
Company: Flagstar Bank, N.A.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 my loan was transferred from XXXX  to Flagstar bank. On XX/XX/2018 Flagstar received my completed modification application from my previous servicer XXXX  and provided me with written notification. I received many documents from Flagstar that it will take them 30 days to review my file and update me on what is needed or if a decision will be made. It has been over 30 days and I have yet to find a letter from Flagstar requesting an extension to review my file or in need of extra time to review my completed file.

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 2019-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One Bank listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom it may concern, This dispute I'm writing for the following information on my credit report and need this information removed from my file. The items deletion are listed below. I am a victim of identity theft and DID NOT open these account on my credit report. I ask the items be deleted to corrected my credit report. I reported the theft of my identity to the Federal Trade Commission and have copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete these items soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Accounts : XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: SECURITY FINANCE CORP
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:
Security finance in XXXX Georgia made up to 6 hard inquiries and ruined my credit. 5 of the 6 were unauthorized. The asst manager at the loan company told me that they didnt take XXXX XXXX card to pay bill. I XXXX XXXX her personally and she paid with her credit card Im assuming. Late payments reported and I feel like Ive been ruined. My credit was ruined during Covid and I have I believe XXXX because of all. I have repeatedly disputed the hard inquiries with the bureaus and Ive had no luck. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is a follow up complaint regarding my previous complaint # XXXX. I was contacted by Bank America after this complaint on XX/XX/ and received a refund of {$180.00}. I have still not received the refund for {$2400.00} despite repeated e-mails and phone calls to the contact at BOA : XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX extension XXXX I have heard nothing for a month from him. This claim is over 6 months old. I am XXXX years old and need the money. 

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 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One let me have a {$200.00} secured credit card. This means its my money that is being used for the collateral. Capital One isnt losing anything out of this arrangement. I lost my job and couldnt get through to make arrangements when I lost my job. That part is on me. When I received the total they charged me for late fees that exceeded {$150.00}. So they charged me for using my own money as credit. I can accept that. I wont accept paying that balance plus my deposit being taken and they still think I owe them late fees. I disputed it with the credit bureaus and showed proof of my payment. The final balance was {$350.00}. My original {$200.00} plus I paid another {$150.00}. That payed it in full. They are still reporting a late fee on a closed account. They closed the account. I wont pay the {$49.00} they claim I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I received a New Chase Debit Card. I did not apply nor did I authorize to open an checking account with a debit card. 
I have contacted Chase Bank. After several attempts to resolve this serious concern, I was informed by a fraud specialist XXXX that he could not give any details on this account because I did not authenticate this information originally. I was advised to go to a branch to apply for a Declaration form. 
Once received send this form plus a police report back to their office so they can close this account. There were notes placed on this account today XX/XX/2021 indicating fraud had occurred.That was all they could do for now. 
I am highly concerned. I am not sure how or when this occurred. The fraud specialist noted it was a data breach in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received my received my credit report on XX/XX/, from Transunion, XXXX, and XXXX. Some information I do not recognize and inquires I didn't not authorize

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 2022-11-04
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Tried to check if my credit was still frozen and could not find the link on the website - ( it is hidden under the tab help ) - this option should be highlighted in bold on their main home page, not hidden in a tab. 

I assumed I had to become a member to check if my credit was frozen and went through with 3 steps including entering my credit card number which I assumed was a security check regarding access to a credit report. I signed up and somehow was charged {$24.00} for free credit monitoring services which is not what I wanted, I just wanted to check on a credit freeze. There was no final authorization page for charging credit cards like all websites do when purchasing something. Very deceptive marketing practice and confusing. Then when I went to cancel my subscription, there was two options at the bottom to choose why I was cancelling. I clicked on the big bold orange highlighted tab that brings you back to dashboard without cancelling service. I went back again and repeated the cancellation process and pressed the white tab ( not highlighted ) that said continue and cancel. Very deceptive and very obvious that they are making it difficult for you to cancel. I had to call and make sure that this service was cancelled.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2022-04-15
Company: Upgrade, Inc.
State: IL
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:
My credit card with Upgrade located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, California XXXX was fraudulently charge {$1900.00}. 

Upgrade is refusing to dispute the charges in accordance to federal law because I am out of state and can not obtain a police report at this time. They are telling me that my dispute will not be processed without this document, and that my statement alone is not enough proof to my claim. Upgrade is further stating that I am liable for the charges even though I am unable to obtain a police report. I am out of state on business and do not have the means to do as upgrade requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to Covid-19 I have lost my income. 

I called Capital One to see if they would help with lowering interest and they said no, they would only allow me to not make the payment this month and I would have to make it for the month of XXXX. 

This is only beneficial to the Credit Card Company, as my 24 % interest will accumulate and come XXXX I will another almost 200 dollars more then before on my account therefore the Credit Card company will charge me even more for the XXXX Payment. 

Everyone is struggling, I need money for food. 
Why aren't these wealthy credit card companies able to put the interest at 0 % or very low to help people in my situation. 

I've been a loyal customer for so many years, never missed a payment.. and in true time of need this company does nothing to help. In fact, it's beneficial for them if I don't make q payment, more money for them the next month with more interest. 

Despicable, I am so disappointed. And I don't know what to do. 
I need to eat, that's number 1.

Company response to consumer: Closed with non-monetary relief