BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: The Lueder Law Firm, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, To whom this may concern within the cpfb I have been a resident of my community for a little over five years now unfourtantly due to covid and a few other factors caused me to fall behind on my HOA dues I am working on arrangements with their attorneys in which i have advised the HOA has done nothing to Handel their responsibility when it comes to the common areas that fall under their fiduciary responsibility and has not had an annual meeting the last three years not to mention my home inspection has made some very important recommendations regarding a huge rotting tree that has the potential to demolish my home if in the event it ever falls the tree has obvious rot around the bottom and leaves that have never been raked up by the groundman for over 5 years not the pool has revised multiple health violations from the city of XXXX and they have been advised to resolve the matter of these health and safety violations and have done nothing, not to mention we all expeienced major pluming issues that needs to be addressed by XXXX XXXX due to the fact the water is orange as in XXXX Michigan XXXX in which is a health hazard. There has also been a concern that the HOA commit may be misappropriating funds which are why nothing is being done about these issues I don't know because I'm, not the bookkeeper all I know is that there are potential violations under the Fair Housing Market Than need addressing however homeowners are scare of the HOA retaliating by harassment, not to mention the homeowner with a mortgage of looking to refinance could have a hard time when the lender looks and see all of this underlying issues that create a potential risk making it hard for those consumers looking for FHA financing pr even a NON-QM loan for that matter. I am standing up for the XXXX community and would like more direct answers on where the money is going if they are not keeping up the grounds and common areas. I have also advised their lawyers as well about the matter and to get it removed as a consumer and homeowner we laa have the right to know if they are handling the funds correctly they never send our balance sheets with the true numbers on it which concerns me also. Please see the attached documents as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went to dealership got approved for a car financed the car paid a down payment on car got my own insurance all to find out I was never suppose to pay a down payment for this car per consumer law code 15 us 1605 finance charge all that was suppose to be include in my fincance charge 15 usc code 1662 state down payments are illegal 15 is code 1635 I have the right to rescind

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/ I received an email from Chase bank notifying me that they received an application for a Chase Freedom Unlimited Card in my name. I did not apply for this card. Since it was already evening I decided I would call in the morning to report the error. Unfortunately, Chase approved the application during the night. I called around XXXXXXXX  on XX/XX/ to report the fraud. Chase 's fraud department informed me that since the card was already approved I needed to call customer service. I then called customer service and closed the account before any charges could be made. Subsequently, Chase provided me with a letter confirming the account has been closed but they refused to include any information on the letter about the fact that the account was opened without my permission. Next I contacted XXXX and placed a freeze on my credit report. I also filed a dispute to have the account and inquiry removed from my credit report. XXXX completed their investigation but refused to remove the account without a letter from the CFPB. That is why I am filing this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: MI
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 XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 2.Account name : XXXX Account number : XXXX 3.Account name : XXXX XXXX XXXX XXXX Account number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
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:
My name is XXXX XXXX and Im contacting you to report that the following collection account and inquiry are not mine and I am a victim of identity theft. Account number XXXX and inquiry from XXXX  XXXX and or XXXX XXXX XXXX  XXXX are NOT mine and need to be deleted from my credit report as soon as possible. I did not make these charges. I reported the identity theft to the Federal Trade Commission, FTC, and have copies of the FTC affidavit. Please charges immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Credit Karma, LLC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account was frozen on XXXXXXXX XXXX XXXX. I bank with credit Karma and there is {$1100.00}. I have spent hours on the phone and emailing and cant not get an answer as to why it was frozen or a timeline as to when it will be available. I have no access to my money to but groceries and everyday necessities to survive. I have children and no way to buy food. I keep getting the same generic email saying they understand and they are sorry but nothing is being done to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection harassments notice from some company called CACI. This is an ongoing problem from 2019 when my identity was compromised. They purported debt in question does not belong to me and it keeps going to debt collection agency to debt collection agency. This is not my debt and I've disputed it time and again with different companies, this one is just the latest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've been paying on my loan forever. It keeps going back up to {$13000.00}. I have a family of XXXX and filed bankrupcy. Called the company and they gave me excuse after excuse. I also asked them about the forgiveness program nd they said I have to pay I dont qualify for anything.. I explained that the school I was going too closed down due to fraud. I shouldn't have to pay back. As I already paid the {$3500.00} I borrowed. 
We need justice and so many people are being robbed by this company. 

My account should be closed..reasons again.. 
Filed Bankrupcy Discharged Fed2018 Fraudulent School closed down I support a family of XXXX My account just was increased by {$5000.00} back to square one. 

They have everything on file as I tried getting this ressolved. 

Please help Desperate mother with faith

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2023-09-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Navy Federal Credit Union account continue to show it as a late payment. They have negatively reported this on my credit report recently after my request to remove false information. It has caused me stress. They continue to report account as negative/late even though It was charged off years ago. This appears to be a stall tactic which has hurt my ability to obtain credit. Also they have purposely listed account as past due each month as retaliation of my request. They are purposely hurting my credit with false information about being late every month. I demand under FCRA that the charged off account be removed. FCRA - you are required to " ... promptly DELETE all information which can not which is not accurate.The Law is very clear. Once they remove the information they can reach me at by mail at XXXX XXXX XXXX XXXX XXXX CA XXXX or XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
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 non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2020-02-14
Company: ZIONS BANCORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
AMEGFY BANK -350 CHRARGED ME UNLAWFULL FEES THAT Following an XX/XX/XXXX lawsuit, four banks - Zions Bank, Amegy Bank NA, National Bank of Arizona and Vectra Bank Colorado NA have now agreed to contribute to a {$10.00} XXXX settlement to compensate consumers who lost out to the 'high-to-low ' re-ordering schemes.XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have wrote to this company and ask him to opt me out and to freeze any unauthorized information that they have on me and they have yet to respond.

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 2020-07-10
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: Old information reappears or never goes away

Complaint:
I was living in Utah helping my parents. I was never served court papers. And never knew court was being held without me. They had to of lied about serving me papers. Its been 11 years ago and there still harassing my credit report. Statutes of limitations are long over and they need to stop reporting to credit bureaus this lie.

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 2022-05-25
Company: Movement Mortgage LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed for bankruptcy XX/XX/XXXX. I am on the mortgage with movement mortgage for XXXX XXXX XXXX, XXXX, NC. I never reinstated. I am not responsible for this mortgage. I was a second co-signer for the mortgage with XXXX XXXX XXXX XXXX XXXX I signed a quit claim deed absolving my rights to the property in XXXX XXXX never received a copy. she won't refinance due to beligerance. I haven't lived at that property since XX/XX/XXXX. I currently rent in a XXXX XXXX. I filed bankruptcy to get off the mortgage. it helped with one credit bureau but not the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Genesis FS Card Services, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called Genesis FS Card Service about they keep billing me and I do NOT have their credit card, When I first got it, I cut it up because I didn't want to use it. They keep billing me and I haven't been the one who is using this account. Every month they keep billing me and I told them that I don't even have their card and asked why they keep sending me a bill. I have been paying every month but this has got to stop. I even told the man that he should look into this because I have NOT been using this account. I just received another bill and my last supposed to had been {$29.00}, and I paid them and wrote on the bill, PAID IN FULL but I keep getting bills from them. The only card that I ever use is my Debit card from XXXX XXXX so why are they people keep sending g me a bill over and over again. I told him to close this account but they haven't, they just keep sending bills to me. The man was very rude when I tried to tell him that I do NOT have their card or charge anything to that account. He just got smart with me and told me to keep paying.

Company response to consumer: Closed with explanation