BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RENT DEBT AUTOMATED COLLECTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, After so many transaction on our business I already provided needed proof documents and they tagged my account as permanent limitation for unapproved file sharing services. I dont know what kind of file sharing sevices that I violated but I will make sure that all transaction are legit and coming from our XXXX website. 

Please I need to restore my personal account. I want to be honest that I tried to create another account to paypal but they still banning. 

Hoping for your kind consideration on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My account is with BSI FINANCIAL # XXXX I have been having ongoing problems with them trying to increase my payment in multiple ways. 
I recently noticed that they added a coded charge to my account I called BSI to inquire about the charge and they explained that the charge was placed because I needed an additional XXXX coverage on my Flood Insurance policy. 
My current coverage through my insurance company is XXXX which I carried on my loan before BSI bought the loan of XXXX my balance is now XXXX I also have concerns about about their interest charges are higher than the corresponding values on the balance on the loan according to the amortization table I will be happy to provide you any required information Thank You XXXX XXXX XXXX XXXX XXXX XXXX Court XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
We purchased our car on XX/XX/2023 at US Auto Sales in XXXX South Carolina. We made two initial down payments. XXXX was for {$38.00} and the other was for {$500.00}. We then traded in our previous vehicle which took 3 months for the previous XXXX holder to receive payment. We also purchased warranty coverage with our vehicle. We received no formal notice of our account being transferred. Just send an email from the new company that was taking over the loans. After checking our account we found out that none of our payments were being applied to the loan that was transferred to Westlake Portfolio ( who does not have a copy of a signed contract with the wet signature on file for themselves and I ), instead every part of our payment was being applied to interest only. When questioned about it the agents act like they didn't know what was going on and I got hung up on a few times. I also asked about the warranty coverage and was told that I just need to continue paying the amount that I agreed on with you as Auto Sales as they will not be offering the warranty coverage. When transferring our account to Westlake, US Auto Sales did not include the down payment or the previous payments that we paid to them for {$240.00} before they shut down. We are 5 months into our car purchase paying {$240.00} bi-weekly and the loan is reset to what it originally was when we purchased the vehicle. Westlake refuses to do anything about it and no one can give a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
20 separate XXXX charges made by my son ( an authorized user ) within one month on my credit account were treated as cash advances by Chase Visa, even though no cash was involved. Each charge resulted in an additional minimum {$10.00} fee even though most of the charges were less than {$10.00}. Then, BOTH the XXXX charges and the additional fees were charged daily interest at 30 % APR from the date of each charge. These are ridiculous charges and interest for fees that were not communicated based on a link to XXXX app which is not even a cash advance but is treated as such. Additionally, the Chase credit card company says they do not have the ability to set cash advance limit on my account to {$0.00} ( so such charges would be denied ) on a personal account, but could do that for a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: WI
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 a victim of identity theft please remove this fraud inquiry 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 2022-12-07
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
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. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Account Number : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Dear Sir, I have received a letter from Chase that there is account on my name, which was numbered was " XXXX '', I do not have any business with chase on any kind of loan or insurance, there were two credit cards ( ending XXXX  and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the CHASE CFPB Complaint IDs XXXX,XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with chase at all. All of sudden I received the letter from chase that there is a account 'XXXX  ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account 'XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called 'XXXX ( Home Equity of Chase ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against chase and account number 'XXXX  ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account 'XXXX  ', file a complaint against chase, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with chase and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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:
This is my sixth endeavors 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, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$190.00} ; XXXX XXXXT XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
checksysytems is reporting negative information that should not be reported any longer which is prohibiting me from obtaining the products and services I am applying for. i applied for an account with dcu and was denied the account due to information that was reported by checksystems and when i spoke to checksystems they are telling me that there is nothing stopping me from obtaining the account so at this point I got my consumer report from checksystems and cant see any reason why i would be denied but they are also not trying to assist in correcting the problem but the inconsistencies on my report are old and should be removed so my score and report can reflect properly.

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 2019-01-20
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am following up on the Public Service Loan Forgiveness program. In a conversation on XX/XX/XXXX with the Federal loan program ( Direct Loans ), I had inquired about the PSLF. I was advised to make the 120 qualified payments with an eligible employer and to enroll in either the standard payment plan or income-contingent repayment plan. When I submitted my form last year after making 120 payments, my application was denied stating that I was enrolled in an incorrect repayment plan. I made many decisions based on the PSLF, as I completed my graduate studies in XX/XX/XXXX, when the program was first being rolled out and regulations were still being set. I believed I was following rules and would periodically check federalstudentaid.ed.gov to ensure I was on the right path. Being told last Fall that I was not eligible because I was not enrolled in the correct repayment plan was devastating. Is there any recourse for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Professional Debt has been sending me collection notices in the amount of {$1800.00}. This collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; ( COLLECTION XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2019-01-20
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a credit card with XXXX that I keep making payments on but they turned my account over to a collection company. I still dont have the money to pay this debt. 

Hurricane Irma hit this part of Florida and I lost my food in my refrigerator but FEMA doesnt replace food. 

My car has been repossed so I have no way to work. 

I pay $ XXXX to XXXX but since it's not the full amount they turned me over to a collection agency which doesn't help me pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the last several months I contacted Wells Fargo bank including it's Executive customer service dept. several times. Last time I talked to them 2 days ago - on XX/XX/2019. The problem is the same. They refuse to unlock my online account without apparent reason. ID verification in the branch is not good for them anymore. They privet into my privacy more, asking to provide them with my personal information which has nothing to do with my ID or access to my account. Basically, the bank discriminatively ban me from my own account. Bank knowing it is acting unlawfully, refused to provide a written respond to my inquiry in regard to this ban.

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 2021-12-29
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation