BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: SC
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/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXXection 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and 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 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I sent XXXX XXXX a negotiable instrument as the holder in due course with instructions to pay the bill and leave the credit card open for future use for personal, family and household purposes. I signed with Surname, given name and the account was immediately closed. XXXX  XXXX is in violation of 12 CFR 1007.2 ( b ) and ( c ). The account is fraudulent due to XXXX XXXX 's failure to include 10-point bold face notice pursuant to 16 CFR 433.2. 

Acct. Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Surname XXXX XXXX XXXX name XXXX XXXX Without Recourse, all rights reserved. UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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 2020-05-24
Company: EQUIFAX, INC.
State: NV
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:
I created a free account with XXXX XXXX and I see some accounts showing on my report that I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
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:
XXXX  XXXXXXXX XXXX Opened fraudulently XXXX XXXX XXXX now was handed to XXXX XXXX XXXX. 
Open fraudulently on XXXX of 2020 per the last credit report. 
Chase bank checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 is unknown inquiries listed on my credit report from CAP ONE NA, dated XX/XX/XXXX and XX/XX/XXXX. I have no knowledge of this company nor did I give consent to authorize anything. CAP ONE NA did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
Received 4 loans from Sallie Mae for education totaling {$33000.00}. Shortly after graduation and repayment began, we were forced to file XXXX  XXXX bankruptcy due to not being able to afford payments. During the 5 year XXXX  XXXX plan we were paying Sallie Mae every month through our trustee. We were just granted access again to online account, Somehow after paying 60 months worth of payments, when we got out of the plan and discharged, the amount was up to almost {$48000.00}. So we gained {$15000.00} in additional balance. How does this happen? How is this legal? And what is the point of bankruptcy if you come out in worse shape than you went in? And during bankruptcy we are not allowed to see our online account and how the payments are allocated, so we have to just take their word that is applied correctly. If we could see interest racking up at a rate of $ XXXX per year, we may have been able to do something at the time rather than just be saddled with 30 % extra debt a the end. Please do something about these predatory loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
XXXX I contacted Navy Federal Credit Union XXXX and requested that a CD be closed and the funds ( {$54000.00} ) be mailed to me as a cashier 's check. 
XXXX Having not yet received the check 3 weeks later, I called the XXXX XXXXXXXX XXXX speaking to XXXX XXXX who informed me that it can take up to 21 business days (! ) to generate the check, and that it should arrive by the end of the week. In case it did not arrive, he gave me Form 170A to fill out to have the check replaced. I submitted the form. 
XX/XX/22 The XXXX XXXX rejected my form -- they did not like my signature. They also provided the check number to include on the new form. No other issue was noted. I submitted a new form via messaging. 
XX/XX/22 The XXXX XXXX messaged me that I must wait 90 days for them to begin the process of reissuing the check! Meanwhile, I am losing $ XXXX in interest on the new CD I intended to open with these funds. 
XX/XX/22 I messaged the credit union that this was not acceptable, that they should stop payment on the cashier 's check, and that their retention of my money will cost me about {$450.00} by the time the 90 days is up before they will even start the " up to 21 business day '' time period to issue my replacement check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new savings account via apple with Goldman Sachs. I had over 3 years the apple card credit card from Goldman Sachs without any issues. I made deposits with my money and it was successfully added to my account balance. So I also scheduled my credit card payments to this account. There is enough money in my account to cover the payments. Unfortunately the bank declined the transfer, and restricted the account. After hours in the hotline and submitting a complain here on XX/XX/2023, the Bank contacted the me and cleared the security concerns. Because of that illegal restrictions I missed my credit card payment and had to pay XXXX USD late fee and XXXX USD intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I don't know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is aquatinted or who may have knowledge concerning any such items of information on a consumers credit record obtain directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. I'm requesting the removal of accounts and or monetary compensation due to violations of my rights. I'm currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore I'm requesting removal and this account violates my consumer rights in several ways. Please remove and provide some update within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2023-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN RECEIVING MULTIPLE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I RECENTLY REVIEW A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS INQUIRIES ON MY CREDIT REPORT. I ALSO PLACE A IDENTITY THEFT WITH EQUIFAX ON XXXX. PLEASE REMOVE THE FRAUDULENT INQUIRIES THANKS SO MUCH I REALLY APPRECIATE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: MRS BPO, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told them that I had been receiving a call from them every day for the last month and a half, and when I answered nobody would say anything. I had told them I was attorney-represented. The representative, without talking about an account or anything, said that my information was also associated with someone else 's account, and she would get that taken off immediately so they would quit calling. Then she told me to have a great day, and she was sorry. When we hung up, my caller ID had changed to ( XXXX ) XXXX out of XXXX, XXXX. True spoofed Robocall. I'm not sure why nobody answers when I answer the phone. The spoofing switchover might be causing it to drop, and showing a second call. I'm just speculating from what I quickly searched online. Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-05-22
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Chime Financial Inc
State: GA
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:
In XX/XX/2023, my chime banck account was hacked. as soon as my money was deposited into my account the hacker kicked me out immediatelyof my account by changing all my personal information for months i have been filing disputes with chime and they keep deniying. the amount stolen was XXXX im on a fixed income unemployed and that inccident has ruined my entire life in every way possible. im atleast a month behind or more on all my bills i have had to take extra loans out to get by i just was evicted with no where to go just waiting to be served. few months before that i started getting notices of being in data breaches i think i have five or six so far still researching. i hhave no clue what to do im a single mom of XXXX and just was barly getting by and clueless to even learn about accounts being hacked or data breaches or anything of sort i have plenty of emails back n fourth with chime the notices of data breaches etc. im lossing my mind seriously from this i cant eat or sleep or leave my house please can someone atleast help me find the right help and steps to take whatever will help me i will go find the emails and notices andd print everything and if someone reaches out ishould have everything together to send best way to reach me is emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - There was a fraudulent charge on my card for {$500.00} from XXXX XXXX in XXXX, Illinois. I got the alert and filed a dispute the same day - I LIVE IN MICHIGAN and do not have a lawn service. The charge was reversed ( temporarily XXXX. They issued a new card, etc. 

XX/XX/XXXX - They reversed the credit and charged the {$500.00} for the transaction back on XX/XX/XXXX AGAIN. They told me over the phone that the vendor provided proof that I purchased goods from them, but could not share that proof with me. Verifying the signature would have been enough to document that it was fraudulent. It was this month that I received a document stating the charge would be reversed, but then received another statement stating the claim was denied WITH NO EXPLANATION. 

XX/XX/XXXX - A gatekeeper of the fraud department opened a new fraud claim for me. 

At some point my claim that was opened XXXX was closed. I haven't received any correspondence since XXXX regarding the claim opened in XXXX. 

I have called back numerous times and nobody can tell me how to get my money back or show me proof that it was me that used my card ( it wasn't, obviously ). 

I even went as far as to contact XXXX  XXXX  XXXX  XXXX, Illinois and the elderly man that answered stated I wasn't the first person to call, that he doesn't take ANY type of card, he didn't even know how to. He is a cash and check only business and he does it on the side, he's retired. I passed this info on to BOA but they just said they would add the note to my file ... 

When I called back today they told me the claims agent didn't do anything with the additional info and closed my claim again XX/XX/XXXX. I STILL HAVE NO COORESPONDENCE. 

This sounds like someone skimmed my card, sold it on the black market and that person is using it OR someone has found a way to act as if they are " XXXX XXXX '' and they aren't. 

I just want my {$500.00} back plus interest. I made the minimum payment hoping they would get it resolved every month from XXXX - XXXX. I just paid the balance off because I have a feeling I'm never going to see that money again. 

I work for a small community bank and I have NEVER heard of a fraud claim handled this way. That charge should have been returned fraudulent. Period.

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 2023-05-22
Company: FISERV INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am 100 % owner of XXXX XXXX XXXX XXXX. My identity was stolen from XXXX XXXX XXXX located in XXXX XXXX XXXX. I never signed any documents or signed for any services to be performed by XXXX XXXX XXXX for me or my company. My mother and I contacted XXXX XXXX XXXX to see why I was in collections with First Data and they told me they had nothing to do with First Data which is a complete lie. I have supporting evidence that XXXX XXXX from XXXX XXXX is giving their sales reps the application subscription agreement for First Data. My Mother and I drove to their corporate office on XX/XX/XXXX at XXXX and XXXX XXXX XXXX they have nothing to do with First Data XXXX First Data has put me and my company in collections for the company XXXX XXXX for over {$3000.00} and First Data is telling me I am personally responsible for the debt. I have since shut my company down as a result of all of this. XXXX XXXX is classified as a financial company and they supposedly leased clover machines to my company that I never received nor requested. They can not even provide a tracking number for these machines. XXXX XXXX is classified as a financial company but they are not registered with your office nor are they registered with the FL XXXX XXXX XXXX and XXXX XXXX ( case # opened there as well with XXXX XXXX ). They are running a business illegal. Why is this happening? Attached please find NAICS codes. In XXXX XXXX XXXX XXXX XXXX XXXX were found guilty for deceitful practices and another case is currently open with them now.

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