BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I received a one-page demand letter from the above referenced company. The letter fraudulently claimed that I owe about {$5000.00} on a fictitious credit card account. I contacted XXXX  XXXX XXXX, and they instituted a fraud investigation. I believe I am the target of a criminal attempt to extort me of money based upon my status as a Senior Citizen. I can only imagine how many other senior citizens also received a similar letter. I DEMAND A FEDERAL INVESTIGATION OF THE COMPANY 'S PRINCIPAL, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Home Loan Center, Inc.
State: CA
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 went XXXX XXXX and finished with an XXXX and XXXX. I became severely I'll with a XXXX XXXX causing XXXX  XXXX. I took a private loan from XXXX as a last resort to pay for my final semester as the Federal loans were denied. XXXX XXXX XXXX XXXX ended up closing my bank account with my social security and SSI / XXXX payments and my bank account is shut down I have no access to my bank account and am occuring {$34.00} overdraft fees everyday and don't have money to pay it off. I have been paying student loans and made a large payment of {$1000.00} two-three months before account was shut down and {$150.00} a month on Federal loans since then. I wasn't served properly and never knew there was a lawsuit against me. XXXX XXXX XXXX the attorney filed suit in southern California when I live in northern California. I've lost XXXX XXXX from stress grinding them at night as I cracked the roots. I have had to secure counsel to help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair credit reporting act convergent. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account number XXXX, XXXX XXXX account XXXX, XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX account number XXXX, Sunrise credit services account number XXXX, have 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) SECTION States no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse item of information, other then records of convictions of crimes which antedates the report by seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
Please provide validation method and information for the following account 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 2022-08-28
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ive tried a few times to correct this problem the fair credit act states that they need to provide me proof to these inquirys and have not got a thing i want to see proof of my signature and every thing else in regards to these inquirys if they cant provide my signature they need to get those inquirys off 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 2022-04-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XXXX XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple address that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and notice that XXXX and Equifax did not update my address and also did not remove the inaccurate addresses, so I am now, taking the extra step, because I really these addresses off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Someone has opened a checking/debit account using my name, DOB, SS # and address. 
M & T Bank sent a physical card to my address. They also sent a request to complete an application on an email. 

XXXXXXXX XXXX has sent XXXX emails so far requesting my email address to Complete an application to open a checking/ debit bank account. I have not responded to that email. 

Once I contacted the M & T Bank I was able to get the email address the fraudster used : XXXX M & T Bank has closed the account and guaranteed that another account can not be opened on my name online ever. I need to go to a branch in person if I choose to open an account with them.

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 2018-11-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank advertises quick pay as a convenience. On XX/XX/XXXX I cashed money for my neighbor. On XX/XX/XXXX my neighbor reported her debit card stolen. Chase  automatically froze my account since the quick pay I did for my neighbor was during dates that she reported her card stolen. I have brought Chase all text messages and a hand written note from my neighbor, with her signature & social security number to prove the quick pay was legitimate however Chase still has my account frozen claiming I committed fraud. I missed my last payment to a credit card & my last car payment since these 2 payments were on automatic payment. Also my wages go into that account & even though my wages are more then the disputed amount they have decided to freeze my wages also which are on direct pay. Im having to prove Im innocent, which I have, however they continue to have a freeze until they decide to finish an investigation. They claim my neighbor isnt answering their calls anymore. That shouldnt impact my account since I have provided all text messages where she asks for me to cash money via quick pay & ive provided a hand written note with her signature stating the quick pay was a legitimate transaction. Chase should not be allowed to advertise quick pay as a safe way of banking!! This all happened on XX/XX/XXXX. After providing evidence that the transaction was legitimate, they are still investigating & all my money including my wages that were deposited after the dispute are still frozen. None of my wages nor my account should be frozen!!! This has been a horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-08-26
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX {$730.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXXXXXX {$570.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Monterey Financial Services LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I purchased a set of treatments from XXXX away, they offered a 0 % interest loan through their servicer, XXXX. The loan was for {$4000.00}, the terms of the loan were under a promotion : 24 Months " Same as Cash '' with a promotion end date of XX/XX/XXXX. Per my notice : " Under the terms of your promotional offer, you will pay no interest on your loan if you exercise the option to pay the remaining amount by the promotion end date XX/XX/XXXX ''. 

On XX/XX/XXXX, I received an email notification from XXXX that effective XX/XX/XXXX, servicing of your XXXX account will be transferred from XXXX to Monterey Financial Services, LLC. On XX/XX/XXXX XXXX closed the account and all payment history records and I was unable to log in to the account. 

I made payments totaling {$2100.00} my remaining balance was {$1900.00} as of XX/XX/XXXX. Monterey Financial Services did not have the correct pay off amount and over 8 weeks of correspondence with me, they finally agreed to the corrected payment amount after I sent copies of my bank statements. 

Now, Monterey Financial Services is stating that the original loan with XXXX was accruing interest and my balance is inclusive of this interest, and additional {$600.00}. That was not the terms of my loan nor in the notice of the transfer of service : " This transfer of the servicing does not affect any of the terms or conditions of your contract other than terms directly related to the servicing of your loan. '' I have tried to resolve this issue with XXXX for almost 2 months, and it not right that they are doing this to me or other consumers who did not consent to transferring of loan with only 7 business days for the change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
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: Account information incorrect

Complaint:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continued unlicensed debt collection and harassment. Barclays is bankrupt and I'm in the process of foreclosing on them. The debt is fraudulent because Barclays commited fraud which was exposed by the collapse of XXXX and now Barclays is bankrupt. They are currently in default. I complained to the DFPI about their unlicensed debt collection activity previously. Complaint-XXXX. XXXX of compliance sent me a letter acknowledging that they did not hold the required license and that I would receive no further communication from them. The XXXX said they closed the case as a result of that letter. I just received a letter from a separate debt collector who also did not have a license number. This is extreme harassment. I've had people break into my home twice as a result of the ongoing fraud that Barclays in involved in. 

Cease and desist. Stop contacting me. Pay me NOW! Stop making loans.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: LA
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX # XXXXXXXX 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 XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states consumer reporting agency can not furnished a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX/2022 it was a large amount tranfer from my saving account to my checking account of the total amount of {$6200.00}. My lawyer and i have contact City Bank multiple time, I also have gone sit with bank representive and it hasent been no result.They having done anything.

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 2023-06-09
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, I received an email notifying me that my Checkings Account with Chime was placed on hold due to unusual activity. The email requested that I provide written explanation, identity verification, and supporting documents in order to appeal this decision. I promptly responded to the email, providing the requested information as per their instructions. Throughout this period, I was still able to utilize my credit card without any issues. However, I subsequently received another email notifying me that my credit card account was also placed on hold. The email directed me to contact Chime Member Services for further assistance. 

Upon contacting Chime Member Services, I was informed that, for security reasons, they were unable to provide specific details about the account closure. Additionally, they stated that they could not review the possibility of reactivating or refunding the account until they received valid documents verifying the deposits made. They requested that I reach out to the source of the funds to verify the deposits and confirm myself as the intended recipient. Simultaneously, they suggested that I review the Chime Deposit Account Agreement. 

I promptly contacted Chime Member Services once again, and they provided me with a secure link to submit additional documentation for identity verification. According to their communication, I was informed that I would receive a response within four hours after submitting the required documents. Additionally, I appealed to Chime Review and was advised that I would receive a response within 24-48 hours. However, it has been three weeks since my initial contact with Chime, and I have not received any updates or information regarding my account status. 

Chime has alleged that I violated the Chime Deposit Account Agreement, although I strongly believe that I have not done so. There have been no instances of unauthorized or suspicious activity on my account. The only actions I took were updating my addresses and attempting to add my XXXX XXXX XXXX XXXX to my Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX XXXX You are in direct violation of the fair credit reporting act. Capital one has violated several of my rights.. 15 USC 1681 section 602A clearly states that I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 US C 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report transaction history. Not to mention as you can see from the attached snippet the account is paid off. The information reflecting on my credit is not accurate. It should be {$0.00}. This has affected my mental health greatly, especially since my utilization is high, other businesses would not work with 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