BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Possible Financial Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. POSSIBLE FINANCIAL Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, 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 have contacted these auto dealers and places about these 34 inquiries on my credit report with equifax. I also contacted equifax and there response to me is they cant do nothing about it. I never signed or agreed to have these inquiries on my credit report. I am very unhappy about there customer service and what they are doing to my life with credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: FL
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 acct # XXXX and Child Support XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a 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 2020-10-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CHARTER ONE/FM has been falsifying records. I opened the account XX/XX/XXXX, and I missed my first payment on XX/XX/XXXX. Charter one has been reporting the wrong dates and numbers to the credit bureaus. They report that I made 3 payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they are unable to show evidence of this or account for this. They also report the collection on XX/XX/XXXX, and they recently put a charge of on my account on XX/XX/XXXX. This is concerning because there has not been any activity on this account for the past 7 years, and now they are attacking me for an account that they have written off. Lastly, it has been past the statute of limitation for this account. This resent attack on my credit on XX/XX/XXXX shows malice. Please help resolve whatever is going on with this account. 

They sent me a letter agreeing that XX/XX/XXXX was my first delinquency. They also state in the letter attached that the account was already charged off in XXXX. This letter is attached to this email. They continue to report falsehoods to the credit bureaus ( XXXX  ), even though they know and have admitted the truth as seen on the attachment. They reported these inaccuracies in XX/XX/XXXX and continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is a complaint against timeshare XXXX XXXX. I've dealt with their employees whom I can't remember the names of, they have my ID during this time, they all claimed to not work on commission and to be something other than a salesperson. They told me I can definitely make money from this timeshare such as earning rental income, they said I can rent it out ; they also said it had some tax benefits or I can also make money if I re-sell it because according to them, the resale value would go up. Everything were just lies. They also lied about maintenance fees, they told me at some point that I will never have to pay maintenance fees again, convincing me that it was actually a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They had me in the meeting longer than what they said it will be. It was supposed to be 45 minutes but it turned and cost me almost 3 hours of my vacation. I was never made aware of all the fees involved. I didn't know how to cancel, they never properly educated me regarding their cancellation process, like how many days to cancel and such. I even requested to cancel but never received help from them. This timeshare is just a financial burden that I really can't use, which was different from what they made me believe it would be, using false and misleading statements in order to convince people, it's just plain fraud. They lied and take advantage of people, coercing, convincing us with enticing unreal sales tactics. I was simply defrauded by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out personal loan from XXXX on XXXX of XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXXXXXX XXXX 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX.as of today, I have made on time payments to XXXX  and @ ) XXXX has been paid to settlement amount. 
XXXX still reports wrong amount of {$10000.00} still active, and reports XXXX, 120 days late. I have repeatedly filed dispute with Experian and XXXX XXXX, but XXXX still reports wrong amount and late payments.

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 2019-02-05
Company: LDF Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I applied for a payday loan in XXXX and was approved for {$200.00} through XXXX XXXX XXXX. I have since made 14 payments totaling over {$550.00}. The original principal had been paid back plus several hundreds in interest yet they still deduct the payments from my bank account twice a week. I was not aware payday loans are illegal in the state of Pa and I have gotten 2 more trying to pay the original one off and I am financially unable to keep making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: JPMORGAN CHASE & CO.
State: AZ
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/XXXX, I bought a used XXXX XXXX XXXX machine for {$1800.00} on XXXX. The buyer offered the machine in excellent condition. When I received it, I spent a few months to complete the necessary equipment to start this machine. When I started it, it turned out that there is a mechanical problem and this machine could not be run by a computer. I bought three computers and cables, tested them and could not do anything. When I contacted the XXXX branch in Texas, they told me that this machine is old, components are no longer manufactured and it is not possible to repair it. 

This seller promised me a refund if this machine will be not working. I made the return of this machine on XXXX, he had money blocked, he asked me to unblock the account, and if machine will be not work, he will give me back the money. I helped him, his XXXX account was unblocked. When I wrote to him that I have no chance to repair this machine, he ignored my messages. 

I demanded from the seller to pay for the shipment of this machine from his house to me and forward for the return. I do not believe him and I can not risk any further losses. This machine takes up a lot of space and I want to get rid of it. 

Because of his lies and deception, I lost several times as much as I paid him. 

I asked the bank for help. I sent evidence of lies and deception. The bank gave me back {$1800.00}, but in a few days he took all the money back and gave it to the cheater. 

This is not the first time. When I set up an account with them many years ago, they did the same. They believed the crook, and I lost {$550.00}, even I had evidence of fraud on paper. They demanded telephone calls from me, because it is company condition. I asked them that my XXXX was weak and that the documents should be enough. Lady from Chase bank customer service spoke with me, but they believed the liar. XXXX the good XXXX spiking person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: FL
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:
Have an FTC on file and credit bureaus have not honored this.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXXXXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$140.00} XXXXXXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX  # XXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my credit score and may be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.

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 2022-02-02
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau XXXX How can it be verified by Transunion- XXXX- XXXX  if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately

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 2021-02-10
Company: Navient Solutions, LLC.
State: DC
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:
This is my second attempt with CFPB for issues with Navient. My student loan payments were increased when my loan was transferred from Sallie Mae to Navient. I complained on multiple occasions, but have not been able to get Navient to talk to me, they just laugh it away, literally. 

When CFPB contacted them on my behalf, they simply say they don't know me ... I pay them every month. REALLY!! you take my money every month and still say you don't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: JPMORGAN CHASE & CO.
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:
I recently applied to a Chase XXXXXXXX XXXX XXXX XXXX XXXX. I was denied for no reason and no explanation, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Chase XXXXXXXX XXXX XXXXXXXX is the right choice for myself as I am now a XXXX member and plan at staying at their properties. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A women named XXXX XXXX friended me on XXXX, sent me a message and we began chatting. Here account link is XXXX XXXX XXXX XXXX XXXX She asked to chat on XXXX and gave me her number and I gave her mine. Here number is : XXXX XXXX XXXX. She first messaged me on XX/XX/2021 and said she lived in XXXX and New York. 
After two weeks of chatting on XX/XX/2021 she brought up the subject of crypto currency and investing in mining in ETH crypto mining in my Coinbase Wallet. She said that it is a safe investment with good returns and she could show me how to do it. She said I could start out with {$1000.00} and would be making {$5.00} dollars per day mining ETH crypto currency and the more USDT crypto currency I had in my Coinbase Wallet the higher my returns. She also said that the mining platform is a part of Coinbase which is safe and secure. 
She instructed me how to set up the platform in my Coinbase Wallet and I added {$1000.00} dollars. I began to see the returns that she promised. She began to message me every day telling me I should add more funds and I am missing out on great returns. By XX/XX/2021 my total funds invested were {$37000.00}. Later that day the total amount of funds was withdrawn from my account without my permission. I messaged her to ask why this happened and she said I would have to deposit funds totaling {$150000.00} to withdraw the original funds which I did not do. I reported this to Coinbase and they said that my Coinbase Wallet was compromised and there is nothing that they can do. 
After researching this I found out it is a scam out of XXXX called XXXX XXXX  run by the XXXX XXXX or XXXX and that many people have had hundreds of millions of dollars stolen. What is worse I recommended this crypto mining scan to two friends who lost {$32000.00} and {$52000.00} from what I thought was a secure investment. 
The crypto mining websites I was using were : XXXX, XXXX & XXXX all of which are registered in XXXX XXXX XXXX Coinbase has done nothing to help me recover these stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to XXXX a few times to update my credit report and they are still showing open accounts that are paid in full : XXXX XXXX, MIDLAND Credit Management. I do not owe this money and have paid off my accounts in XX/XX/2021. They are still showing open. Under the advise of my attorney, XXXX XXXX, I have sent certified letters and still nothing from XXXX even acknowledging my complaint. NOW, the final step once again is to contact you for another investigation.

Company response to consumer: Closed with explanation