BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: NV
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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  inquired on XX/XX/XXXX and on XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: FL
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: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: NV
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:
Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : Experian : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-09
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Care credit pulled my credit report without my consent. I pay my bill every month, and had a XXXX credit limit with XXXX available credit. After they pulled my credit report without my consent, they decided to lower my credit limit.

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 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 Have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXXXXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
There is illegal collusion between the federal middle district Court in XXXX and Chase Bank. 
In XXXX, a realtor friend of mine warned me that he heard that Chase Bank asked the FBI to get me on " something '' because I refused to answer any of their " Have you stopped beating your wife? " self incriminating questions at their disposition. 
I had never been arrested before in my XXXX  years of life but when the FBI pointed XXXX Glocks ( these guns have no safety and we're inches from my head! ) at me and ordered me to " drop the broom! '' I was holding, I was arrested, handcuffed, leg shackled and taken to jail. 
They told me I had been secretly indicted by a grand jury, that I never saw, and nobody bothered to inform me that I was wanted for bank fraud, ( exaggerating my income on a Chase Bank mortgage loan application ). 
I have a reverse mortgage and social security income of XXXX a year. The XXXX XXXX XXXX XXXX XXXX is taking {$100.00} a month from my social security. I have paid over {$6600.00} so far since I got out of prison in XXXX, but Chase Bank has never answered my many motions to judge XXXX to confirm that Chase received any of my money. 
I have no debts. But my federal judge, XXXX XXXX, put Chase 's XXXX for $ XXXX on my house in XXXX, which is only worth {$200000.00}! 
This XXXX is illegal because Chase Bank never sent me an independent audit proving that they lost XXXX XXXX from my XXXX mortgage foreclosure That's the law requires! 
This Federal restitution XXXX on my homestead in Florida is preventing me from refinancing .Chase Bank never sent me a independent audit ( despite my many requests! ) as a banker informed me, '' They can not just pull figures out of the air and say you owe them this amount! They must give you an independent audit to prove their claimed losses or you don't have to pay them without this proof. '' XXXX XXXX, Chase Bank and XXXX XXXX  also say I owe them the same amount XXXX XXXX for my XXXX foreclosures on XXXX different properties, for XXXX different prices, on XXXX different dates, which is statistically impossible and my judge believed them! 
My many motions to my federal judge to remove his illegal XXXX on my home has resulted in nothing but a veiled threat that the government can seize my home and that my complaint is " trivial '' ( a XXXX XXXX dollar restitution XXXX, Trivial? ) This is a lifetime sentence and is cruel and unusual punishment! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion, XXXX, XXXX, refuse to follow the FCRA laws. They have violated my Rights. 15usc1681i ( 7 ), 15usc1681i ( 5 ), 15usc 1681e ( b ), 15usc1692c ( c ). After disputing accounts and inquiries with supporting documents and they still refuse to investigate or send back verified information.

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 2023-05-31
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Spoke with Navient representative XXXX on today I informed her I could make my payment today. However, moving forward for the next three months I will not be able to make payments due to being out of work. She began asking me personal questions on who can help me make my payments such as my cosigner I told her she is not working anymore she is XXXX. She then asked me if the childs father can make the payment. I find this question so unprofessional and personal this is her second time posing this questions Ive never had a company go down a list of people to help you make payments as if I havent thought of that my own. Then she asked it my parents can help and I informed her they were deceased. She stated there is no forbearance or any program that can pause or stop me from making payments until after my three month leave period and I begin my job back. She told me maybe by next month I can have something figured out to make these payments I find them so unprofessional and insensitive every time I speak with this company. I dislike them they are the worst private loan company a person can have. I get upset everytime I have to answer their calls. They dont care about customers they dont accept payments a customer can make. They do everything like poke in people personal business but accept what they do have to give. They need to be shut down already all the lawsuits they have received in the last couple of years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX : {$490.00} ; XXXX XXXX Balance : {$490.00}

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 2023-07-19
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with Chime in XX/XX/XXXX. I used this checking account without any problems or issues for about 3 years and 4 months. 

My checking account was forcibly closed by Chime on XX/XX/XXXX. I received the following email message from Chime on XXXX  : " your account is not in compliance with its internal policies and the member agreement executed at enrollment The account was closed on XX/XX/XXXX. If there is any account balance due to you, a check will be mailed to the address on file within 30 days '' I do not know which Chime " internal policies '' I did not comply with, but my primary concern is they promised to send the balance of the funds in my checking account to me, " within 30 days '', so that I could deposit my money into another bank. My checking account balance as of XX/XX/XXXX is {$11000.00}. 

I should have received my funds no later than XX/XX/XXXX. But despite my repeated requests, and sending over a dozen emails to Chime, and making countless phone calls to their customer service, I still have not received my money from Chime. 

I need the help of the CFPB to get Chime to send me my {$11000.00} as soon as possible. As of today, they have illegally held my money for 223 days since XX/XX/XXXX. Pleae see the attached emails that I have been sending to Chime, and the replies I have received from Chime since XXXX XXXX 

As you can see, they are deliberately stalling and procrastinating, and coming up with excuses not to send my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Account information incorrect

Complaint:
I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Contacted the bank twice by phone. Reported this account was opened not by me. Gave them all the pertinent information and was told their fraud department would contact me within 3-5 business days. They did not seem that concerned about the whole matter. But it has been reported to the various credit bureaues and my score has been reduced by XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I called Apple this morning and let them know I did not open the card. I was receiving calls for a week and assumed it was spam, come to find out someone had opened an Apple Card with all of my info. They let me know my social security number was required to open the account and let me know I needed to contact this site. 

There were some charges in XXXX Ohio. One for XXXX dollar XXXX XXXX and XXXX dollar XXXX XXXX XXXX charge. 

Goldman Sacks Bank USA has currently frozen the account and let me know to contact you all so that all fraud can be tracked on the account opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : NISSAN-INFINITI LT Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED on my Consumer report! 
Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s NISSAN-INFINITI LT XXXX XXXX ) Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American account can you view the file and confirm to me that is in fact your reporting? And also to the best of your knowledge is this reporting correct? It shows a open date of XX/XX/XXXX when you first reported And then looks like in XX/XX/XXXX All of a sudden it gets removed becomes a new account and nobody knows anything about it. This is im verifiable information and it Hass to be removed and also violations of the FCRA again one of you need to pick who wants to remove it Explain please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
State: PA
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:
CitiCard on XX/XX/2023, reported to all three agencies that an account had a balance and was delinquent. That card was settled with a debt consolidation company a year ago. CitiCard just reported this false information this month. I have reached out to CitiCard, the three credit reporting companies and XXXX XXXX. CitiCard said the balance was XXXX and sent me a letter. The three credit reporting companies and XXXX XXXX said the information was correct and would not change 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 2018-10-29
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018, Nationstar Mortgage LLC dba Mr Cooper sought out and convinced my parents to refinance their mortgage. Their names are Mr and Mrs. XXXX XXXX XXXX, XXXX. They both passed away on XX/XX/2018. This is when this came to light. My parents were both old, XXXX and XXXX, and both had major illnesses that would have prevented them from entering into a contract of any kind on their own. My father suffered from many health issues including early XXXX. This was a case of predatory lending at its worse. They had a 30 year mortgage that they were 10 years into. Mr cooper redid this into a 15 yr mortgage to save 2 % but added nearly 7k to the note. This didn't even make sense. My parents did not enter into any contract unless my sister, caretaker, or myself was present. They preyed on them just so they could make commission. This is criminal. I've asked for this to be searched out before and the NC Attorney General is also researching it as fraud due to predatory lending. Their acct number is XXXX. I am including the clerk of court filing and a notary letter giving any and all permission for me to handle this for the estate.This has cost the children of the deceased their childhood home.

Company response to consumer: Closed with explanation