BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Discover Credit Operations Team XXXX Application Number XXXX XXXX I WAS DENIED A DISCOVER CREDIT CARD DUE TO THE STATUS OF AN PREVIOUS ACCOUNT. THE OLD ACCOUNT WAS CLOSED BY DISCOVER WHILE IN GOOD STANDINGS WITH A XXXX BALANCE. 

NOW BEING DENIED BECAUSE MY NAME SOCIAL AND BIRTH DATE HAS BEEN FLAGGED AS REVOKED. 

I FEEL LIKE THIS ACT OF DENIAL IS DISCRIMINATORY DUE TO MY RACE OF BEING A XXXX XXXX. THERE HAS BEEN NO OTHER EVIDENCE TO SUPPORT MY RESTRICTION FROM HAVING ANOTHER DISCOVER CARD OR A REASON GIVEN FOR CLOSING MY FIRST CARD. 


Our credit decision was based in whole on consumer reporting agency. 

XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Type of credit score FICO Your credit score XXXX Date XX/XX/XXXX Scores range from a low of 300 to a high of 850 This information was provided to us by XXXX   XXXX XXXX XXXX XXXX, a consumer reporting agency. 


FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have received a check ( ref # XXXX ) from Chase Bank in the Amount of {$3.00} in reference to a prepaid card I had an outstanding unpaid balance with the State of Tn Unemployment. 

My issue with Chase is now proven that this was a VERY VERY shady & crooked deal. The State of Tn made a seizure of IRS withholdings they were not entitled under the premise that I was not entitled to unemployment checks I received, I was unemployed and records show ... I received checks for every week I was unemployed. 

If I was not entitled to the $ $ why didn't they first seize this {$3.00}, secondly I now see how Chase was wrapped up in this corruption and ANOTHER example of the purpose the CFPB was created.. To combat the corrupt banking XXXX   consumers and leaving us helpless to defend and have equity.. 

I'm owed an outstanding $ 1700-ish plus compounding interest at whatever the rate is for a personal loan of that size!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had my credit checked although I did not authorize it. I have been the victim of identity fraud according to the IRS, and someone was using using my identification to get credit in my name as a fraud said the IRS stating I had an account in XXXX XXXX which I did not have. 
There are inaccuracies on my credit report of other people by Transunion and XXXX  who are listing my father 's debts under my name causing me an increase in my credit and XXXX XXXX listed me for a legal loan which affected my credit and legal loan companies are not allowed to check people 's credit as it is granted based on a legitimate legal case as a commercial loan on future payments on a legal case.

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 2018-06-08
Company: Navient Solutions, LLC.
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 can not recall dates and amounts. However, Sally Mae and then Navient historically have only offered me forbearance and not income based repayment options to the point that I no longer have forbearance left in my agreement. 

This has set up a situation where in when I have financial difficulties Navient threatens my cosigner and tries to have me pay an amount I am never able to afford. I recently have dealt with a five month stint of being unemployed. Navient would only accept payments of close to {$350.00} a month out of my {$1800.00} a month unemployment payment, which I could not afford if I wanted to have a place to live or eat ( I was not eligible for SNAP ). 

In this time they insisted on pushing to get information about my cosigner ( my mother ) they are not legally entitled to in order to try and force me or my mother into making payments we can not. My mother is on a retirement XXXX social security fixed income. 

Further more, when I signed both initial loan agreements I was told that if I made 2 years of uninterrupted payments I would be able to remove my cosigner. When I met that obligation and contacted Navient ( Sally Mae, at the time ) the denied that was ever part of the agreement and dismissed my request. 

I am now at a point with these loans that I now owe more than I did upon my graduation from graduate school due to the interest accrued from the multiple forbearances I was manipulated into taking because of national economy issues related unemployment. 

At the time of filing this complaint I am XXXX years old. I graduated XXXX years ago. I have at least 25 years to pay on a loan that is now structured with interest in a way that I can not practically pay down the accruing interest and pay the debt off. 

What was sold to me as a loan solution has become a burden I will likely carry to my grave because the condition of the loans are as such that I will likely never make enough money annually to pay it off and the plausibility of me saving money because of the interference of this loan is impractical. 

On top of all of this, the stress from dealing with this loan in particular, has aggravated my diagnosed XXXX XXXX XXXX to the point that I am now on the maximum safe dosage of XXXX ( XXXX ) and the diagnosed XXXX XXXX XXXX is wirsenuing every day. Even as I am typing this I am fighting to prevent an anxiety attack because I am actively thinking about the Navient loans and the ruin they have brought on my life. 

Naveint ( formerly Sally Mae ) has quite literally ruined my day to day life, made the prospect of late life destitution inevitable, and has caused and is causing me significan health effecting psychological issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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. 

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 inructions 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 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 explanation
Consumer complaint received 2020-02-18
Company: Nelnet, Inc.
State: AZ
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:
I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXXGLELSI, but it has been transferred many times. On XXXX, it was closed due to transfer on XX/XX/2016. The transfer date for XXXX  is unknown. According to XXXX, it is '120 days past due ' and XXXX list it as '180 days delinquent ' which are both false. XXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-10
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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, these creditors has violated my rights. 

Under 15USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on credit card account under an open end and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and realized that my identity has been stolen. This unpleasant incident has had negative effect on me because I'm currently in the process of buying a new home for my family. I am very upset that this has happened to me and I am urgently asking for your assistance in removing these fraudulent accounts from my credit report. I have included all the required documents for your review. Thank you. Please see attached along with certified letters send to each credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX  in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!

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 2023-03-14
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX XXXXXXXX amount {$5100.00}, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Before the pandemic LVNV Funding and XXXX XXXX contacted me via phone and email threaten to take me to court for a lawsuit. I was getting harassing phone calls daily in the month of XXXX until end of XXXX. In the middle of XX/XX/2020 that is when they send me a court order to attend a lawsuit hearing. They threaten to send me to jail if I did not come to an agreement with them. I was shaken and frighten to be jail for something I know nothing about. The lawsuit cause my XXXX XXXX to go up and my health to decline with stress over the covid-19 and now lawsuits. I have attempted to contact them and was not successful. I left them detail messages and no one returned any of my calls. 

They stated that I owe them two amounts {$1000.00} and {$1100.00} ( LVNV Funding ). 
Sometime last year I heard of XXXX breach as well as XXXX breach. I am asking you to please help me put an end to the harassments from LVNV as well as XXXX XXXX who stated that I owe them {$670.00}. This will mean so much to me and my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EXPERIAN has FAILED to update my credit report from XX/XX/XXXX until current as was explicitly advised by XXXX XXXX on XX/XX/XXXX. Experian has faulty systems and unknowledgeable and unhelpful agents.

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 2018-09-02
Company: FC HoldCo LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been receiving calls so many calls that I had to mute my phone to be able to work or sleep, that I decide to call back to explain that they have the wrong number. 
Ive reach costumer service 3 times and explained they have the wrong number ; In the last call I confirmed that I owned this number for almost 2 decades, I told them only my first name and what state I reside in, asked for them to remove my number from their call database and if it did not stop I would file a complaint. 
I blocked some of their numbers but the text messages started, now my phone is muted except for my emergency contacts, but I need to receive calls for work and personal live. 
The company is XXXX, their text number is XXXX costumer service XXXX Other numbers that might belong to them : 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 2021-03-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX XXXX XXXX and in the summer of XXXX I applied for a business grant with the Small Business Administration ( SBA ), but I made a serious mistake because I did not make sure to study the information on this application well, so I applied for a program, where people already have a business and need help, but it turns out that I do not have a business, I applied with the information of my home address, my personal social security number and ID, so the loan that SBA gave me ( {$7500.00} ) was placed in my personal account, but I have not used that money, since I have not been able to do any business and I want to return these funds to the SBA. 

My bank, which is CHASE, closed my account on XX/XX/XXXX XXXX, which is fair and very correct, but they kept the money of loan all these months, I have called and had two appointments for that, plus my phone calls to both Chase and SBA , but even today, XX/XX/XXXX, I can't get this money back to the SBA XXXX in a call to SBA customer service, the representative who attended me informed the money has not been returned to SBA and according to them, Chase knows how to do this process of refunding the money. 

In the meantime, I am paying the interest on this debt, so that it does not accumulate and I am very worried because on XX/XX/XXXX, this debt must begin to be paid, so what will be happen if the money continues to be held in Chase Bank. 

My application number with XXXX is XXXX XXXX XXXX My ID number is : XXXX XXXX XXXX My phone number is : XXXX XXXX XXXX ( I am a teacher, so I work from Monday to Friday in a school from XXXX to XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
THIS ACCOUNT WAS OPENED WITH OUT MY AUTHORZATIONS CAPITAL ONE 2 late payments {$2200.00} Closed Account info Account name CAPITAL ONE Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Closed. {$70.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2200.00} Balance updated XX/XX/XXXX Credit limit {$1300.00} Monthly payment {$120.00} Last Payment Date XX/XX/XXXX Past due amount {$70.00} Highest balance {$2200.00} Terms - Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XXXX - Current / Terms met XXXX Past due XXXX  days - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher

Company response to consumer: Closed with explanation