BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-15
Company: Freedom Mortgage Company
State: NC
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:
FREEDOM MORTGAGE CORP fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). FREEDOM MORTGAGE CORP is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2020-12-20
Company: Lending Club Corp
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: Account status incorrect

Complaint:
I was on a deferment plan because if covid 19- i was reported as being on the plan on credit report with all payments on time. All of the sudden now they reported late payments 2 times this year. I have tried my best to call them and explain and ask for help.i also made all if my payments as they asked me to eventhough i was unemployed, just to keep my credit clean. I need someone to help remove the lates because i feel i have been wronged. I have called them consistently to make sure whatever they tell me to do will keep my credit clean - whatever they tell me i would do as far as minimum payments to keep report clean until i regain employment. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: Credit Karma, LLC
State: CA
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:
Credit Karma has had a temporary frozen dispute since XX/XX/2018 can not get them to correct problem contacted them # 6 times so I can not dispute balances on credit card balances which are usually # 2 month behind So this is keeping my credit scores down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2022, I submitted my Free Annual Credit Report Request Form by certified mail and returned receipt. In included my valid New York State Drivers License as proof of identity. I requested a Free Annual Credit Report from XXXX. Approximately a month later, I received a form letter dated XX/XX/2022 that the information I submitted online was purged from their database and they were unable to investigate m original request. How could they " purged my online information '' when I originally submitted my request by the written Free Annual Credit Report Request Form?

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 2020-02-24
Company: EQUIFAX, INC.
State: PA
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:
Equifax will not remove an over 30 day late from my credit report and I have a letter from the Credit Union that was sending a check to XXXX to pay off a car loan. The check was lost in the mail and they sent a letter about it and I will attach it. All the other credit agencies have fixed this with no problem. I have disputed 5 times with documentation and they will not remove. XXXX even put a note on my account saying it was a mistake. Im XXXX and never had a late payment in my life so this is really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I currently have Fruad accounts and inquiries appearing on my credit report. I have attached an FTC Report for supporting documents.

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 2020-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America pre paid XXXX XXXX  card. On XX/XX/XXXX2020 I had a balance of XXXX. XX/XX/XXXX2020 I had XXXX. I called and was told it was fraud a store in New Jersey called XXXX XXXX XXXX charged my card. Now I was working in AZ that day for the XXXX XXXX so clearly impossible. They canceled my card gave me a credit and sent a new card. XX/XX/XXXX20 I was charged back XXXX when I called they said fraud dept said it was not fraud. After hearing my story they said it had happened to a lot of people they would re open the claim # XXXX call back in a week. To this day I call am on hold for over an hour or told I'll get a call back. After being on hold a hour a recording says try your call again. Each time I call I'm told there are no notes in the system. Today when I said I'd call back Monday I was told not to. That there is no time frame and no way to know when my claim will be looked at because theres a lot of claims. The recording says all calls recorded so there's proof of the appalling service. XXXX at anytime is a lot. But during COVID it is needed even more. Please help me

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 2022-04-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My is XXXX XXXX I am a federally protected consumer and I am filling this complaint against JPMCB XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

Over the course of XXXX Chase has inaccurately and fraudulently furnished false and misleading information on my consumer reports as a means to bring harm to me and my financial reputation. 

Chase JPMCB reported XXXX separate account ( XXXX ) as Charge-Offs on my consumer reports.

I am aware that under 7 CFR 1956.54, A Chargeoff is the writing off of a debt and termination of collection activity. I am aware that when a debt is written off, it has now become gross income pursuant 26 U.S. Code 61. Note, discharging of indebtedness also falls under this code. Lastly, income shall not be reported on any consumer report.

If Chase JPMCB has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

- I would like a senior executive member from your company to send a sworn statement of fact that you did or did not file a 1099C as required by the IRS and/or the US Treasury ?

If a 1099C was filed I DID NOT RECEIVE A 1099C from your company.

- If you did file a 1099C, send me proof such as a tracking number or green return receipt with my wet signature, proving that I did received and that I was in fact made aware of a 1099C.

This company JP Morgan Chase & Co. dba as JPMCB is committing unlawful extortionate means by furnishing this alleged debt to my consumer report as a means of bring harm to me and my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 




XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from 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 explanation
Consumer complaint received 2023-06-15
Company: GOLDMAN SACHS BANK USA
State: VT
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:
On XX/XX/2023, my Marcus ( by Goldman Sachs ) GM rewards credit card account was closed for no apparent reason. I spent over two hours calling and chatting with card specialists who told me that I failed to agree to some document that none of them could produce. They would not re-open my account nor would they allow me to apply for an new one. Then I tried applying for their business card. They approved the application on XX/XX/2023 and sent me a new card. I activated the card per their instructions but on XX/XX/2023 they sent me an email closing my account... again, with no explanation. I called and asked for a reason and they simply told me it was " regulatory. '' There is discrimination going on here and that's why they won't give me an honest answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and Complaint against XXXX, Resurgent Acquisition, LLC, LVNV Funding, LLC and Resurgent Capital Services LLC On XX/XX/XXXX XXXX XXXX  submitted a computer-generated respond to my injury regarding illegal collection of not validated " debt '' where XXXX posed as " original creditor '' for account ending XXXX and LVNV Funding, LLC posed as a current " creditor '' According to XXXX, my alleged loan was originated on XX/XX/XXXX, but XXXX was not able to provide me a copy of my Agreement to pay them, as recorded on their books and records. I demand XXXX to disclose if the loan account receivable was created for my transaction and my payments were deposited on this account receivable, along with a copy of the ledger for this account receivable to verify my payments. Billing statements are not the ledger and are coming from undisclosed to me XXXX XXXX. 

Furthermore, XXXX said that my alleged " loan '' was sold to Resurgent Acquisitions, LLC. I demand XXXX to disclose when my loan was sold to Resurgent, where this transaction took place, the names of individuals who conducted this sale ; and proof of payment for my loan received by XXXX, such as copy of wire transfer receipt, ACH or cancelled check. 

I demand Resurgent Acquisitions, LLC provide me proof of payment made for my loan, sch as copy of wire transfer receipt, ACH or cancelled check, and the name of an individual officer of Resurgent who facilitated this purchase, when and where. I further demand a copy of the account receivable ledger for my alleged loan from Resurgent Acquisitions On XX/XX/XXXX Resurgent Capital Services, LP submitted computer-generated respond where they claimed that the current owner of my alleged loan is LVNV Funding, LLC and Resurgent Capital Services , LP is the Servicer of the Account. 

This respond contradicts with XXXX 's letter where XXXX said that my loan was sold to Resurgent Acquisitions, LLC., not to LVNV Funding, LLC. 

Its unclear to me how LVNV became my creditor and whose account is serviced by Resurgent Capital Services, LP I demand LVNV to provide me validation how LVNV became my Creditor ( and never informed me about it ), and documents in support of their right to file a Claim in my bankruptcy case to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: MD
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont 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, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 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 acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a 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. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im 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 Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; 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 2022-04-01
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or verify that this is indeed my debt.

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 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I received XXXX credit alerts on XX/XX/XXXX from XXXX XXXX XXXX and XXXX. Both indicated that they had received a new inquiry on my credit report. They fraudulently used my full name, address for application to Bank of America for XXXX XXXX XXXX. 

I have since contacted XXXX and Bank of America. I spoke to personnel at XXXX XXXX XXXX and XXXX, instituted a security freeze with XXXX. I also spoke to Bank of America personnel who indicated they would terminate the application. 

Your assistance with this issue is greatly appreciated. 

Regards, 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 2021-07-06
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
On several occasions my credit was ran without my permission. I do not hold any accounts with the following creditors. Please remove immediatey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX keeps sending other debt companies to collect a debt that is not valid or owed. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX keeps using these companies letter after letter using bad tactics to collect a debt not owed.Stop harassing me about a debt not owed. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have XXXX separate student loans with Sallie Mae. Each time I reach out to Sallie Mae, the agents tell me a different option than the previous agent told me when we made arrangements before. 

Throughout my XXXX years of college, I paid interest on XXXXXXXX XXXX the loans. I graduated with a degree in XX/XX/2020 at the height of the pandemic. Unable to find work, I called Sallie Mae to make arrangements for a lesser payment when the loan payments were to commence XXXX months after graduation. 

In XX/XX/2020, I was granted and forbearance and told that when it ended I could request another. When that ended, I was forced to pay nearly {$800.00} a month, but was told that after that, I would have other options available to lower my payments over a longer period of time. That GRP plan recently ended and no I'm told that I must pay {$1000.00} a month, even though I can not afford it, because I only make a fluctuating approx. {$1700.00} a month with expenses. 

Sally Mae is offering ZERO options for young people building a career with limited income to afford student loans and survive, even though I have shown ability to pay a lesser amount. Each time I call they raise the amount of payment and are charging nearly 13 % interest rate. 

It is criminal to not have any options for the customers who genuinely try to pay. Other student loan companies offer a variety of repayment programs, even extending the repayment timeframe. Sallie Mae offers ZERO options which is wholly unfair to consumers dealing with a pandemic, inflation, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation