BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Shortly before COVID, fedloan servicing contacted me and told me they were increasing my monthly payment because of an accounting error they made. My payment increased from about $ XXXX to $ XXXX. I'm concerned that they have misapplied payments and my balances are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Used postal mail to correspond about an investigation even though I signed up for electronic correspondence. NEVER received the mail and was only made aware of the situation when I was emailed. Told even though I didnt receive the postal mail still held liable for missed payments I was unaware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I asked Rushmore Loan Management if they offered any payment deferral for Covid on XX/XX/2020. They said yes I could defer up to four payments that would add to the end of my loan PLUS a {$150.00} fee. Now they have asked for payments of 4 payments when I only deferred 3 additional they want a new loan plus thousands in fees. This is fraudulent and I have attempted to resolve this without success. They have sent multiple conflicting requests NONE of which in what was originally agreed by their agent. I am XXXX years old and I feel they are attempting to take advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-23
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Selip & Stylianou, LLP
State: NY
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:
I got a letter stating that I have a court date for a judgement from a debt collector Metro Portfolio Inc. who is suing me for a very old debt from a credit card XXXX XXXX XXXX is the original creditor I had when I was in my early XXXX. I am know XXXX XXXX XXXX, so I filled the paperwork saying that the debt was old. We went court on XXXX XXXX and know they are still trying to recover the debt I know there is a statue of limitations on debt collection. Also I always check my credit report and there is nothing on my report about a judgement or any collections account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 I ordered XXXX XXXX XXXX for my home in XXXX XXXX, IN. The initial service installer was professional and did a good job. Over the next few months, I enjoyed good TV service. 
Then the weather changed and that is when I started to have several service interruptions every week. This was very disruptive and was not what I ordered or expected. 
I contacted the customer service department and discussed the issue. They then sent out a second service installer to relocate the XXXX antenna to another location on my property. 
This did not fix the problem, and I called again to cancel my XXXX service. I told their representative that I would wrap up their equipment and leave it on my front poach. 
Several days later I noticed that the XXXX antenna and the equipment package was gone, and I did not think anything else was needed. I paid for each month I received service. 
Last month I ordered a credit report from XXXX, only to find out that my XXXX score had dropped XXXX points to XXXX due to an erroneous collection account by XXXX and Allied Interstate Collections. I deny this collection effort due to the breach of service that I originally thought I was going to get. When I contacted Allied, they said I was being charged for not returning the XXXX equipment and also for an early cancelation fee. I never agreed to pay a cancellation fee for their inadequate service. 
My Attorney told me that I had received a significant harm to my good credit and that I needed to file a dispute.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Fact, notice to all, I am me meaning the name is of me not me ; all likeness and creation is of me and not me, though I is me. I am the consumer in fact, natural person, original creditor, lender, executor, I am the principal XXXX XXXX, I owe no allegiance to another I revoke all prior under signings, underwritings for all matters proceeding. I speak all my facts without prejudice. 

Fact, I consumer XXXX, XXXX was violated by Transunion pursuant to 15 USC 1681b ( 2 ). 

Fact, When Transunion received my affidavit of truth the accounts were removed from my consumer file. XXXX accounts were deleted. 

Fact, pursuant to 15 usc 1681 N -Civil liability for non-compliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Fact, I sent Transunion a affidavit of truth, opportunity to cure, and a finally an affidavit of truth giving them 10 days to respond on the final notice. The notice was received by transunion with an invoice as well. Transunion received my letter the 10 days are past, and my affidavit stands unrebutted. 

I demand double the amount requested. Transunion is corrupted, non-responsive, and was actively committing identity theft. 

Fact this is my last attempt to settle this matter before proceeding to take the ligation route and get a federal court. 
Fact, Receipt number XXXX is my certified mail receipt for default of opportunity to cure. 

Fact, Receipt number XXXX XXXX XXXX, XXXX, XXXX is my receipt for my opportunity to cure. 

Fact, Pursuant to 15 usc 1681 ( n ) I demand XXXX x XXXX accounts that were deleted, and Transunion owes me an additional XXXX for not responding to my demands for they could never prove my accusations as false. deletion is admission. No consent is identity theft. 

I swear all information provided herein I do so under the penalty of perjury that the information I so Affirm to be true, correct, accurate, to the best of my knowledge in ability. 

If this matter is not resolved in the next 10 days i will reach out to the attorney general and federal courts regarding this issue

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 2023-08-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
My account was fraudulently charged!! Navy federal sent me this statement Thank you for contacting Navy Federal regarding the Credit card fraud claim submitted on XXXX on your Credit card ending in XXXX for the amount of {$13000.00}. My claim was denied for whatever reason!! I can not pay for charges I did not make. My purse as well as phone was stolen! Other cards were compromised as well as this one!! Navy isnt helping me! I am not paying for something I did not do! They denied a claim before as well that wasnt me. I cant do this again. I just want my money back!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX has 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: GA
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:
No company nor Equifax, XXXX, or XXXX has replied to me within 30 days.The accounts on this affidavit are not familiar to me and I do not recall consenting to contracting with any or these companies to the best of my knowledge.Under the doctrine of estopel by silence, Englehart v Gravens ( Mo ) 28 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.In attempt to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my hand written wet signature, and proof of you authority in this matter. With no evidence, you must terminate/remove these accounts/correct any erroneous reports of this debt as mines.I have no account with these company's.I ask XXXX, Equifax, XXXX to the listed companies authorization, under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), that the companies have the right to collect the debts which are erroneous to the best of of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The " credit reporting agency '' Experian has repeatedly recommended " credit cards '' to me. cards they are in partnership with and/or being paid to promote on their website. The card offers come via experien with the recommendation that these cards ( for example XXXX XXXX XXXX will " improve your credit score. '' I being a consumer trying to do everything I can to get my credit higher I believe experian. So I get the XXXX  credit card. But I quickly realize upon logging in to XXXX that their prices are tremendously inflated. I realize this card has extremely predatory marketing practices. Shipping rates are insanely high but if you purchase $ 200+ there is no shipping cost. Which is basically a technique used t get people in more debt. Then after not using the card I got an email stating my XXXX account would be shut down if I didn't use my account by XX/XX/2021. KNOWING that a closed credit account will make my credit bad I the consumer feel pressured to now buy something that is insanely inflated just TO KEEP THEM FROM MAKING MY CREDIT BAD by closing my account! this is the very definition of fraud of predatory techniques. So in effort to save my credit I but the cheapest thing I can a set of 6 wash clothes which state {$30.00} INSANE. Then by the time I check out it's now another {$20.00} in taxes and shipping. I am literally being forced to pay {$50.00} for six wash clothes to keep them from denting my credit score!!! How could experian suggest this card to me? When checking out they say there is an error and I should rather call their customer service to check on on the phone. I am at work during the hours they are open. I don't have time for calling customer service waiting on hold. This is the biggest scam. The fact that Experian suggested the card to me lets me know that Experian is somehow benefitting from these scrupulous card companies. How could this be legal? Oh! that's right because our politicians are in bed with the predatory credit card companies which make it legal. I understand this is a government agency and you can't really go after these companies because what they are doing is legal ( thanks to our politicians ).

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 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seveXXXX 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 2021-03-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 multiple fraudulent purchases were made with my debit card. I realized this when I received an email from Chase bank and I immediately cancelled my debit card. The next day I called Chase 's fraud department and walked through my transactions from the previous few days. I learned that aside from the fraudulent purchases that were already made, many more had been attempted before I cancelled my card. 

The successful fraudulent purchases made are as follows XX/XX/2021 - XXXX - {$5.00} XX/XX/2021 - XXXX - {$10.00} XX/XX/2021 - XXXX XXXX {$25.00} XX/XX/2021 - XXXX - {$50.00} XX/XX/2021 - XXXX - {$100.00} 5 fraudulent charges all to XXXX totaling {$190.00} Chase gave me a temporary credit of {$190.00}. About a week later I learned that I had lost the fraud claim with no explanation from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I received a notice, dated XX/XX/2019, that the servicing of my mortgage loan was being transferred from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX to LoanCare , LLC XXXX. XXXX XXXX XXXX XXXX, VA XXXX. 

I never agreed to do business with LoanCare , LLC and have been reliably making payments on my loan through XXXX XXXX XXXX online form. 

It seems that as a result of this action, which was not initiated by me, I now need to change how I make payments on my loan. 

The notice only included information about the address and phone number of the new servicer, but no information about the website. 

On calling the new servicer, their automated system did not recognize my new loan number or SSN. I waited on hold for over 30 minutes. 

The automated system told me to go to www.myloancare.com. When I tried to register there, the system told me that my SSN was invalid. 

This may seem like a small incovenience, and I'm sure these companies do much worse things to consumers on a regular basis, but I have several children and work full time so I don't just have hours I can spend changing my loan payment information at the whim of a company I've never heard of. I used the time I was on hold to write this complaint. 

If they aren't interested in making it easy to pay my loan, maybe they should just forgive it!

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 2021-04-12
Company: EQUIFAX, INC.
State: NC
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 viewing my credit report, I noticed accounts that do not belong to me. These accounts were placed on my credit report without notifying me 5 days before placing th accounts on my report. I have asked Equifax to send me copies of an original contract or bill showing my name, address, and signature. Equifax still has not provided this information for the accounts listed below XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported over {$11000.00} fraud to Bank of America FRAUD DEPARTMENT in XX/XX/2023. My money has still not been replaced, and they tried to deny my claim based on factors irrelevant to consumer protection law. None of the consumer protection and FDIC requirements can be met by the merchants, as they have fictitious websites and do 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