BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NY
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 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 reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please remove this account 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 explanation
Consumer complaint received 2017-04-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a victim of predatory lending by Chase Bank. I was preyed upon by a Chase loan officer following an accident, XXXX and XXXX. He talked me into consolidating my existing mortgage, line of credit and other debts into a ridiculously unaffordable and impractical 10-year interest-only mortgage that would then become a 30-year variable rate mortgage. In effect, I would have ended up paying off my house three times. 
I realized this within a month and contacted Chase, asking to convert the loan to a 30-year fixed loan, eliminating the 10 years interest-only portion, which would have saved me many many thousands of dollars. They refused to work with me in any way and were completely unmoved by my medical condition and inability to pay off this loan. I know for a fact that the loan officer, XXXX XXXX, falsified documents to secure approval of this " no-doc '' loan. 
Ultimately the sheriff showed up and gave me two weeks to vacate. There were no legal papers served, no notifications or warnings of any kind. 
New York is a judicial foreclosure state, meaning that any foreclosure must be approved by a judge. There were no hearings, no attorneys, no court appearances, and therefore New York State law was not followed. 
In effect, Chase stole my home from me without due process. 
I have contacted them numerous times, and quite mysteriously, all of the documents supporting my claim are " unavailable. '' XXXX XXXX is no longer employed by Chase, and they are unwilling to discuss a settlement of any kind. 
I believe I am legally entitled to some form of restitution for their unlawful actions. 
I have many documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have student loan debt that is now under review for possible XXXX forgiveness, but the complaint that I filed also seeks damages because of damage to my credit and I also seek refund of applicable payments or similar such amounts due to me. My original complaint only partially addressed my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Credit Regulating Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being charged for a vehicle tow and storage on a vehicle that was sold two months prior to said tow. I have supplied evidence to this fact to the company repetitively and they still keep trying to collect from me a debt I do not owe.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I disputed a collection on my credit report on XX/XX/XXXX. A company name XXXX XXXX XXXX stated i owed them {$7000.00}. The account was removed sometime between XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX a new company for the same debt was readded back to my credit report. No letters sent to me stating why.

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 2023-04-29
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: Account information incorrect

Complaint:
On XX/XX/XXXX I received a phone notification that indicated my account was past due. I was not using the account and had paid the balance in full. After looking into the account I found on XX/XX/XXXX that I had, in fact, paid the balance in full of XXXX. When I inquired in XXXX, I was told there was an interest charge of {$2.00} that had been added to the account and then assessed late fees several times. The representative for the company informed me that these fees would be removed from my account by the next billing cycle and the late payments would be removed in 45 days from my credit report. The fees were removed from the account, however the credit report is still affected showing two back to back late of 30 and 60 days. I called the company again on XX/XX/XXXX after finding out that the status of the credit report had not changed reflecting that there were no late payments. I was told first that XXXX XXXX would not do anything further to help. I asked to speak to a supervisor and was then told that the documentation necessary to address the credit report was not submitted in XXXX when I first called and was being submitted now on XX/XX/XXXX and would take another 45 days. 
I am in the process of purchasing a home and put off continuing the process in XXXX as this error had dropped my credit limit on the card and my credit score. Now I am being further penalized by this predatory practice and being told possibly another 45 days. I have nothing in writing and no idea if anything has actually been submitted due to the company 's unethical practices and unwillingness to address the error in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XX/XX/XXXX I received a collection notice from ERC on behalf of XXXX. They are attempting to collect a {$910.00} debt from an account that was fraudulently opened. The dates for this account are XX/XX/XXXX opened to XX/XX/XXXX closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXXDOBXX/XX/XXXX. I have attached my DL for proof of ID Please update my address to  XXXX  XXXX XXXX  , XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: NY
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:
I submitted a Dispute with Chase bank regarding {$280.00} XXXX worth of fraudulent charges and reported my card lost/stolen and had my card shut down. Chase issued a temporary credit and then reported that they have found the charges to be mine. 

I called in to change bank on XX/XX/16 and was told there is no re-open process to re-open my fraud claim and that I would just have to accept the decision. I explained that I would be getting an attorney involved as well as reporting the incident to the better business bureau. 

My account was charged multiple small charges over a span of about XXXX days which should have immediately alerted chase to fraud. These charges were as an example, XXXX charges for {$2.00} at a deli ( should have been flagged immediately as fraud ), several charges from a smoke shop, XXXX years of having an account with Chase I have never shopped at a smoke shop because I dont smoke, talk about unusual spending which is definitely a red flag and additional charge in XXXX XXXX XXXX and XXXX no where near where I live. 

Chase refuses to resolve this dispute as my banking institution. On the recorded call the Agent stated that because XXXX charges in between the fraudulent charges were mine, they declined my fraud claim, which makes absolutely no sense as these charges are from online vendors in which my card is already saved and I did not need my physical card in my possession to make the purchase. Then I was transferred to a XXXX that was equally unhelpful who stated that they just can not find any fraud and why did I wait so many days to notice the fraud charges. 

I refuse to allow {$280.00} of money that I did not spend be taken from me when I have never had any fraud issues in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Lake Michigan Credit Union XXXX # XXXX XXXX dispute case # XXXX AND XXXX First account issue was un authorized transactions withdrawal from my checking account that lmcu refuse to address or refund. 

Second account issue was the fraud from XXXX for XXXX justice # XXXX. This organization has taken my money and absolutely abandon me for the legal services it was hired for. I was hoping that lmcu would have helped me with both issues. Now they have closed my account and refuse to help me with the refunds. I will be mailing my supporting documents. It will not upload to this site.

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 2020-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
There were unauthorized inquires on my Credit Report Capital One requested my credit report on - XX/XX/2019 - XX/XX/2019 XXXX requested my credit report on - XX/XX/2019 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/23 Net credit reported to XXXX and XXXX an outstanding debit of {$8300.00}. On XX/XX/23, a payment of {$8300.00} was submitted to NetCredit via debit card, over the phone with NetCredit agent, to satisfy the debt. Monies have cleared my bank account and have not been returned by NetCredit. A dispute was submitted to XXXX stating debt was paid in full. According to XXXX, on XX/XX/23 NetCredit reported the debt as still outstanding and my dispute was closed stating amount still owed. I spoke with NetCredit rep XXXX on XX/XX/23, he stated he would note account with my concern and credit bureau shouldve been notified of change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed a ceritified letter which I have attached toTransunion to request the proper verification for the below accountsTransunion claimed to have investigated. Instead of sending me what the requested/ required documentation Transunion sent out a letter explaining the dispute process. This is a stall tactic rather than doing what is constitutionally right. Is Transunion saying that they supersede civil and Federal law and are unwilling to provide me the conducted your investigation and provide me with the method of verification for the accounts mentioned in the attached letter that was sent certified to Transunion.

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 2022-11-02
Company: EQUIFAX, INC.
State: NC
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:
this is reguarding a closed complaint # XXXX if clam that be thet they are having trouble to conform my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX*** Balance : {$0.00}

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 2023-03-02
Company: Momnt Technologies, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
my social security number [ credit card ] was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX. 

Application ID # XXXX Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 USC 1691c

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other XXXX would not do anything. Also when I dispute with Transunion it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, XXXX balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my 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 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were initiated on XX/XX/2017 and the investigation completed on XX/XX/2017. 
us dept of education XXXX investigation was begun on XX/XX/2017 and completed on XX/XX/2017. PROOF IS ATTACHED ... .according to FCRA all XXXX accounts should have been deleted from my report yet only XXXX of them was.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX - XXXX XXXX Balance : {$13.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$80.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$13.00} XXXX XXXX Balance : {$160.00}

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
DEPT OF ED/XXXX Balance {$1400.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF EDXXXX Balance {$8800.00} Balance updated XX/XX/2023 This account shows incorrect information on late payment, I have never had a late payment on the XXXX  loan accounts and this is wrong information i need this to be fix i try with the lenders but i haven't receive any answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-02
Company: Comerica
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My social security goes to direct express, this month when my money went in someone went into my account changed my pin number and transferred all my money out of my account, after doing research online this has happened to thousands of other people that have there social security go to direct express.Most say i will never see that money, others say it will take forever, everyone to a man said Direct Express was rude and acted like it was their fault, when in fact they have bad security.

Company response to consumer: Closed with explanation