BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received alerts from XXXX that this company is trying to open an installment loan using my information. I reported it as unauthorized. I then spoke with the company twice and told them the application in my name is unauthorized and I have continued to receive alerts of the company trying to open a line of credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a letter from Capital One informing they had closed my two credit card accounts, ending in XXXX and XXXX respectively because they claim I used inappropriate language with their associates. 

To set the record straight, I personally did not have any conversation or interaction with Capital One or their associates whatsoever. My former assistant called on my behalf to dispute a late fee that Capital One erroneously assessed to my account ending in XXXX. I was not present for the call or the conversation and am unaware of what was discussed. Additionally, since the assistant no longer works for me, I can not ask him for an explanation. Capital One did not elaborate, they just made the accusation and allowed me no opportunity to address it. 

In the meantime, Capital One closed two active accounts with balances. I have never missed a payment, made a late payment, or behaved in an untoward way to this company whatsoever. Capital Ones poor reputation is quite well known, ( and this outrageous action proves it ) but in spite of this, I was always a good customer. When Capital One closed my accounts without notice, they significantly damaged my credit rating. Therefore, since Capital One took this unwarranted action against a good, longtime customer and wont reverse their decision, it appears I have no choice but to pursue legal action to recover my financial losses resulting from damage Capital One inflicted on my credit rating through their actions.

I trust that Capital One will bring proof of their claim in the form of a voice recording to court. I have a rather distinct accent, so it will be clear to everyone I was not a pert of this alleged conversation or inappropriate language.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XX/XX/XXXX XXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XX/XX/XXXXXXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XX/XX/XXXX # 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

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 2022-06-01
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been undergoing loss mitigation and was set up on a trial plan. I was to make XXXX payments under this plan on XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022. When I attempted to make my payment for XXXX, I was told I could not make the payment, becasue the trial plan agreement had been broken, because I made the XXXX Payment on XXXX XX/XX/2022. I am being penalized for paying early.

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 2023-09-06
Company: Remitly, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent the money on XX/XX/2023 and arrive to the recipient 's bank account on XX/XX/2023 in the amount of {$400.00}. I Sent it using remitely app. However, when I asked the recipient to check his account he said he doesn't see any deposite in his account. The remitely asked for bank statements history and i provided that. I also asked the remitely company to solve this issue and nothing was done. I've asked them to talk with XXXX XXXX which they confirm that the money was deposited to the recipient 's bank account and when he went to ask his bank provider, they said there was no money deposited in his bank. 
Thus, I need your help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a text from JPMorgan Chase saying that my debit card is temporarily disabled, even though I dont have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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:
Accounts opened fraudulently

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 2022-02-14
Company: Consumer Collection Management. Inc
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Consumer Collection reguarding a letter I received to settle a debt on XX/XX/22. I spoke with someoneXXXXXXXX ( I think ) she explained to me that I have 3 accounts. I setup to pay the {$19.00} account on XX/XX/22 which I paid and stated I would pay {$270.00} on XX/XX/22. I asked for a settlement for the third account of {$450.00} and was informed that I would receive a call back with an update on if it was approved. I called back on XX/XX/22 and spoke to XXXX XXXX to inquire about settlement offer and that I was expecting to receive a phone call. I was informed that this agency doesn't call customers back and that she does see the previous note but not an update on if the offer was approved or not. I asked to settlement the third account again and was informed she will send the request in. I asked when I should call back and was informed on XX/XX/22. I received a call from a woman by the name of XXXX who states she was calling regarding my settlement offer and that it was approved for {$310.00} and that I had to pay it by the end of this month in order to get the offer and not have the account be put on my credit report. I stated I was not told this and she states all calls are recorded. I again state I was not told that I had to pay this by the end of the month and I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scamed by someone posing as an XXXX care technician that said that my bank account was being charged for service totaling {$3500.00} and that they would have to reverse the. Payments to me by XXXX They were XXXX to trick me to down load and app called XXXX from there they started stealing money from XXXX XXXX a total of {$17000.00} I called my bank which is Bamk of America immediately unfortunately they said that they could not do anything because XXXX is like a cash payment

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 2023-10-19
Company: Block, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up with SQUARE , INC payment processor about XXXX weeks ago to transact payment for my online Educational content that I sell. 
We were fully approved for the account within a day and we began to process payments. 
Everyday I would get reminders that I need to submit information more information about my business which I did time and time again. 
I received a notifications that I would receive the funds after XXXX days which never happened, and today I received a sudden notification that they terminated my account and they will hold all my funds for XXXX days. 
They are collecting interest on my liquidity and refusing to speak with me on the phone of via email. 
We have a legitimate business which has done over {>= $1,000,000} in volume in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: 2288984 Ontario Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I emailed Money Key 's Customer Service Dept asking them to stop the upcoming ACH debit and future debits from my account. I told them this account was closing and that I would make alternate payment methods on this account. 

I emailed their Cust Serv again on XX/XX/XXXX specifically asking someone to acknowledge receipt of either of my two emails. I specifically stated that any prior ACH authorization that was given, was now rescinded and that they are not allowed to acess my account in any form without my permission. The 1st email was done within 72 hours as is typical time to react. They have intentionally avoided contact in the past. I want ( I NEED ) them to re-credit my account asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX {$5000.00} was transferred from my sons checking account to my business account. 
I did not authorize that transaction. 
XXXX Zelle transactions were taken from the account to take the {$5000.00} out. These transactions were not authorized. 

The bank denied my fraud claim and Zelle could not be reached to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: HYUNDAI CAPITAL AMERICA
State: VA
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:
Dont recognize these inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Premier Auto Credit
State: CA
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:
XXXX XXXX XXXX XXXX XXXX is reporting a collection for {$9500.00} from Premiere Auto credit for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from premier auto credit ... .Allied credit services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. Premier Auto credit refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received communication stating that they had reviewed my account and that I had only made one qualifying payment over XXXX years. Even though zero payments are supposed to count, I filed a pslf form when I was first employed in XXXX My employer is a qualifying employer. They clearly have not made any actual effort to calculate where I stand with pslf. Additionally, they put me into forbearance without my request or knowledge, right before the student loan payment pause took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: LA
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:
To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-04-25
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:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: CA
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 XXXX account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
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: Report provided to employer without your written authorization

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Dear CPBP, I'm reaching out again on a separate but related issue to my original complaint against XXXX  XXXX XXXX ( XXXX  : Complaint XXXX ). 

Recently, I had to dispute an erroneous late payment with XXXX  XXXX XXXX. They reported that I had made a late payment, which was an error but it resulted in my credit score taking a massive hit. Eventually, XXXX corrected that information so now my account is in good standing, and my credit score, which went from a XXXX to XXXX is now at XXXX. 

However, because of XXXX 's actions, there were domino effects. I had an account with XXXX and had been paying off a 0 % APR balance for 24 months. They decided to close my account based on the information Transunion sent to them, which was based on XXXX  XXXX XXXX 's mistake. They closed my account while I had a remaining balance of {$800.00} because of a report they received from Transunion. Currently, that account shows up as a " settled '' account even though I had been making on-time payments and still have till XX/XX/2023 to complete the payment before the 0 % APR ends. 

I would like to dispute the incorrect information on my account and remove the " settled account '' from showing up on my credit report. When I reached out to XXXX, they told me to contact Transunion as their decision to close my account was based on a letter sent from Transunion. When I reached out to Transunion, they told me to contact XXXX. 

I've attached supporting documentation, showing everything that has happened ( my corrected credit report showing the XXXX  account is in good standing, my communication with XXXX  regarding what happened, the alert I received about my " settled '' account, etc. ) I'd appreciate your help once again. 

Best, 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