BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
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:
After checking my credit report back in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency Helvey & Associates advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with Helvey & Associates - I am not liable for the collection of the debt from XXXX XXXX  as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. This has hurt me severely in regards to obtaining credit. Helvey & Associates states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX XXXX  ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Helvey & Associates has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX XXXX I live in XXXX Alabama all XXXX of my years. A credit card was fraudulently open in my name in New York where Ive never lived nor do I have no one to visit there. I was contacted by a debt collector company about this matter and filed a dispute with them. I contacted Citizen Bank about this matter provided them with identity from when the card was open and where I resided when it was fraudulently open. I currently live in XXXX Alabama and serve as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a letter about this dispute and investigation and they stated that it was denied I will take further action in this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2022-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Disputed charge from XX/XX/2022 from XXXX XXXX were I DO NOT hold a policy. Have been disputing this company for months and asked to have them blocked because Bank of America allowed them to continue to charge me. Bank of America put a block only of the dollar amount so XXXX charged a lump sum of all disputed charges into one. Contacted Bank of America to dispute the new charge. They disputed it and gave me a new card. however they put the charge back on my new card. I called a month ago and was told the credit was just not moved over from the old card and that the charge was in dispute they were just waiting for the credit to move to my new card. A month later this charge is still on my account. No on e from Bank of America can help or is willing to help. Have spend a total of XXXX XXXX on the phone trying to fix this with no avail Now I am being billed and recieveing late fees for charges that should not exist.

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 monetary relief
Consumer complaint received 2018-10-09
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Visited dealership on XX/XX/18 and spent 1 1/2 hours in the dealership to purchase a work truck. During this time, we negotiated price, money down, insurance, loan options, etc. During this time, we agreed to a price and discussed loan options so the vehicle would go in the company name. All was well when I left. Received a call from the loan officer at XXXX who said he had good news. I returned his call at XXXX and we went over options. We decided on the option that was best and the amount of down payment. Spoke with sales rep I had been dealing with. We talked about 2 options ( 1 ) they could bring me paperwork ( done this many times at XXXX XXXX ) now and we could sign or ( 2 ) I could come after my meeting. My meeting was done and on my way to dealership the manager calls me and says they sold it to someone else. My main issue is they pulled my credit and offered me terms to a loan. The hard pull will affect my credit. This is a deceiving practice and quite frankly damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
1 ) Amazon gave me a Credit Chase Amazon Card and I used around XXXX {$2.00} ) less than 3 weeks, Chase closed my credit without any reason 3 ) Chase in a very odd action closed all my accounts. They called me a criminal person and in one word, the story of discrimination and racism started. 
4 ) I was paying that XXXX $ monthly and adked them to put it on auto pay 5 ) I didnt have/ still dont have access to any statement including this XXXX {$6.00} ) Chase called me why havent you paid? I said I dont even know where how how much and it was on auto-pay. That said it us not on auto-pay. Again, I gave them i formation and requested the auto-payment. 
7 ) This story of auto-payment is not on auto-payment got repeated many times.

8 ) One day I asked them you don't give me any statement, and I am assuming during closing my accounts some money disappeared. And, told them, why my auto-payment gets frequently cancelled, and you after a few months tell me 9 ) now, it has been 3 months, they have sent me a paper as some kind of statement, it is too interesting that for XXXX or XXXX $ left they charged me more than XXXX XXXX 
10 ) once one of them told me cone to this program and pay, that was a new trick I started paying XXXX $ monthly, but later I realized every single month, they not only charge me, but also this amount of mo ey doesn't exist on their papers. 
11 ) Anyways, I see after 1 year and half, and paying more than that XXXX XXXX they still demand XXXX XXXX 
12 ) I called them, threatened them to see them in the court as during closing my accounts, they harassed me, humiliated me, called me a dirty criminal person without saying which crime and after that they have always been trying to mess with me, charging me, etc. 
13 ) I told them I am not going to pay you and get charged and you have used the dirtiest tricks to rob me.

14 ) They are even ashamed of saying how many times, they charged me whereas I had no idea what was going on.

15 ) Now, I have cone to this conclusion that closing all the accounts of a customer after 11 years of being with them, and this kind of playing around in order to hurt my credit score, etc., not only needs to be reported to a governmental financial organization, but also I have to report and file a lawsuit against Chase Bank, particularly the branch in XXXX, California, XXXX, where they committed those kinds of atrocities against me. The fact being that I have been suffering from an idiopathic harsh complication, and Chase despite knowing that to be exact around the time, I was going to leave the cou try for my treatment in a cheaper country ', on purpose, just hurt me, is extremely weird, I really don't understand the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: PA
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 told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX  Please Delete Immediately

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 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I took the time out t call and reach out to experian, XXXX, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers. 

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 2018-10-09
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland has filed a civil suit aginst me on a debt that isn't mine i was not properly served instead of a certified letter or anything from Midland funding or the court. Instead i received a letter from a attorney asking if i needed legal representation for this court case after doing research on the local courts website i found out i was being sued by Midland funding i filed my answer and sent them a debt validation request to prove that i own this debt and they have failed to do so it has been almost a month and they have failed to validate this debt. there is no contract or chain of assignment or anything else in there complaint. After alot of research i have seen were multiple states including the state of ohio have filed lawsuits against Midland funding for their shoddy collection practices and they have sued many people in violation of the ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. On the XXXX of XXXX, I called and requested that Pro-collect send a letter of debt validation in the mail. They were very rude and not helpful over the phone. I explained that I had no idea about the debt that was being claimed, and asked for a debt validation letter to be sent. They refused, stating that the debt was accurate and can be explained over the phone. I explained I still needed a validation letter, but they insisted that this means that I refuse to pay. I have no idea what debt they are trying to claim. They arent even trying to make a settlement, for whatever debt they say I owe, so I can just be away with this problem. They are very rude and conduct business unprofessionally.

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 2023-10-12
Company: Experian Information Solutions 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:
I am putting forward this complaint as to make sure that these REMAINING fraudulent inquiries in my Experian Credit Report. I am please that ONLY 6 remained in the inquiries that I needed removed. So I am expecting that the Experian Bureau to REMOVE these remaining inquiries from my credit file within 15 days time : EXPERIAN : 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 non-monetary relief
Consumer complaint received 2023-10-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit 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:
This is regarding my Amazon Prime Chase Visa. I have been using it and making regular payment and I am in good standing. When making normal purchases they locked my card without warning. When I went to the XXXX branch to close out my accounts they stated that it was an authorization issue since the phone numbers didn't match. They did contact my wife and she was able to verify the email in the customer settings and my new phone number. The feature to update my phone information is locked. I sent a secure message through the website and they forwarded my issue to the fraud department. They gave me a number to call. I tried calling the number but their phone system does not recognize the last XXXX digits of my credit card. Through another secure message I relayed this message to credit card services and still waiting for a response. 
I had recently switched providers but could not port my new phone number. I gave them my new phone number to contact me, and they have not done so. They did not lock the account due to any suspicious activity but only verify information which I will happily give them if I had a way to contact them. This is a very big bank which deals in a way that's very automated and impersonal and I am concerned that if nothing is done, I will just fall through the cracks so to speak and this will never get resolved. 
I had sent an email to the CEO of XXXX XXXX XXXX  and filed a complaint with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
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:
This student loan account listed as DPT ED/XXXX Account # : XXXX & XXXX is listed multiple times on my credit report all with different information. This means this account information has not been properly verified under FCRA therefore it MUST be deleted. Furthermore, the account in question can not be listed multiple times this is adversely affecting my credit score and credit utilzation because of the high dollar of amount of each account. 

DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2020-09-25
Company: Nelnet, Inc.
State: MT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan that I've been paying off since XX/XX/2007. I've never missed a payment. It was a 15-year term. I just got a message stating that a " periodic review '' ( which hasn't been done in at least 3 years ) discovered I have 4 months to pay the remaining {$2400.00}. 

This takes my monthly payment from {$75.00} to nearly {$600.00} for absolutely no good reason. I have followed their payment schedule, which apparently was not calculated correctly. 

I called Nelnet, no justification given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: NY
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 180 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

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