BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is an Identity Theft, Fraud, Forgery, mail theft case filed and documented by the FEDERAL TRADE COMMISSION, POLICE AND POSTAL INSPECTOR. On XX/XX/19 I received a call at aprox XXXX am from XXXX at Bank of America. XXXX asked if i was me ( my name ) I stated yes. She asked if I had opened 2 bank accounts online. I stated absolutely not! XXXX proceeded to tell me 2 joint bank accounts were opened online on XX/XX/19 using my name and a person named XXXX XXXX. told her this is fraud, Identity theft and shut this down now. I also told her I do not nor have I ever known any person by this name. She transferred me to the fraud department I spoke with a person by the name of XXXX she stated a pre printed with my name and information solicitation type loan offer check from XXXX XXXX company was deposited into these fraudulent account via an ATM machine. I told her to shut this down it is fraud and identity theft. She stated 2 debit cards were ordered sxpress to my address. I immediately went home to my postal box and discovered via the United states post office there had been neighborhood wide vandalisum, mail theft, master key theft .... Immediately filed with the federal trade commission, police, postal inspector and sent Bank of America all reports and a letter to SHUT DOWN any accounts in my name!!! They continued to leave these accounts open. they continued to allow this fraud and identity theft, continued to send me mailings of these fraudulent account and stolen check forgery, fraud identity theft! they opened this fraudulent account with no Identification of mine, allowed identity thieves to deposit a stolen forged check into an ATM Machine with no identification! check states clearly 2 FORMS OF ID REQUIRED! signature is not mine, email is not mine, phone number not mine, birthdate not mine! 15 calls to BANK OF AMERICA and i still do not have a letter clearing this account and stolen mail check fraud! they should be shut down once and for all.

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 2021-11-30
Company: JFQ Lending, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I refinanced my existing VA mortgage with a VA streamline ( IRRL ) on XX/XX/XXXX. I was promise I would get to skip two mortgage payments and I would receive my escrow reserves of {$6700.00}. 

I received all that but my mortgage is increasing from {$2000.00} to {$3400.00} on XX/XX/XXXX. They are charging me an escrow shortage of {$620.00} and increase my escrow to {$980.00} I am a XXXX veteran with XXXX XXXX XXXX XXXX XXXX and have a partial property tax exemption because of my XXXX. The agent never told me my mortgage would increase by this much and my new mortgage is larger than my original VA mortgage. I tried contacting the company but they will not help me and blame me for the increase. I will lose my house if my payment increases by this much. I never missed a payment and this new mortgage payment is substantially larger than my original monthly payment. All of our conversations should have been recorded by JFQ Lending , Inc . 

The mortgage company is XXXX XXXX XXXX The agent is XXXX XXXX, JFQ Lending , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Bliksum, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a number of emails this morning from LoanMe ( www.loanme.com ) indicating that I had applied, been conditionally approved for, and ultimately funded through a loan agreement and settlement for a {$2500.00} loan with a 139.12 % APR using my name, my email, and a California address that I do not know or recognize. My attempts to get more information from Customer Service indicated that I should send them a police report, but at this time I have no knowledge of why my email was used, if this is a different person with my name, or what checking account number is associated with this loan that was taken out. Customer service told me that neither my name nor email address were associated with the loan number supplied in the emails. This is highly suspicious. I will continue watching my credit monitoring but nothing has been identified at this time. To be clear, I have not taken out any loan and I have credit freezes in effect since XX/XX/XXXX to protect from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: MS
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:
About 5 years ago I tried to clear up some inaccuracies on my credit report due to someone using my information and obtaining credit cards and such. XXXX and XXXX no longer has the information on file. I was just approved for a car loan and went to finish paperwork and then was told my information did n't match, so I went on line to get my reports. Experian has 2 addresses I 've never lived before AND there is a credit card with a $ 13k+ limit that I have no knowledge of. It says I am a joint holder with a XXXX XXXX XXXX. That $ XXXX would have been my new car!!!! 
I have never known anyone by this name in my life. I am assuming one of the two addresses that are incorrect must belong to him. I have no knowledge of this person and have never had knowledge of him. The only way I found this information was by looking at my Experian Credit Report. I called XXXX XXXX XXXX XXXX XXXX and they only wanted to remove the information. I want more than removal. I want this person to pay for using my information and being allowed to gain access to funds that I now can not to buy a car I desperately need!!!!!

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 2017-10-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
i have several loans with Navient and i am enrolled in automatic payment for over 2 yrs making all required payments on time, reading up on what the media has been informing us i do feel i am part of the borrowers that were mislead to multiple forbearances and eventually to forced high payments, i recently called and provided as much information as possible and had my co-signer provide all her information aiming to lower my just raised payment to a ridiculous amount. after calling for an update they tell me i do not qualify for lower payments, i am stressing out and Navient 's way of calculating unbearable amount of high payments are pushing me to a boiling point of stress. please look into their payment plans and consider the real world conditions in which we live in, Navient is attempting to take all my money and preventing me from providing my family with a healthy living. 

PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Gold key credit inc # XXXX Placed for collection XX/XX/XXXX {$95.00} Creditor : medical/ Florida XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The issue is that I paid the {$95.00} and my electronic check cleared in XXXX of XXXX. 

I received a call threatening collections and paid it again. 

My wife showed proof of payment from both bank and insurance web portal and cancelled that payment. 

Sent to collection anyway because electronic transfer went unnoticed by XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-23
Company: Experian Information Solutions 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:
These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor am I a mortgage company.

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 2019-07-10
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I can not give you any information about this company because this company never sent me a bill statement, documents, any Letterhead company letters, in any fashion unto me ever since the debt from XXXX XXXX, that was sold to Jefferson Capital Systems LLC posted this debt on my Credit file. The amount of the debt was {$5600.00} and the balance {$5000.00}, I never paid any difference to this debt that leaves this balance on me to pay. This debt is from a school that I did attend from XX/XX/XXXX and graduate XXXX and then try to go back after graduation to get my bachelor 's degree, but my disability caused me to not be able to continue study and I stopped online school in XXXX. I did try to dispute this debt online with XXXX and XXXX, but I did not get the dispute that I needed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2017-10-02
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
to me in XXXX I made a verbal commitment to a XXXX XXXXl, I ended up sighing for it. When that was happening, I was going through a case, that could possibly lead to some jail time.. which it did end up leading to. I went to school for about XXXX week in a half before i had to go through custody. When I got out of jail, I tried to return to the school, the former lady that talked to me and got me to sign up etc., did n't accept me. XXXX years later, I find out they sent me to collections. My credit is perfect right now because I cleaned it, but I just found out I have a adjustment.. That adjustment effects my life on trying to grow with my family because I am a mother of XXXX kids now and I am trying to become a home owner but I ca n't, and I can figure out how and where to solve this.. and I 'm truly seeking for any help you can do for me. 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Scott Fetzer Financial Group Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a dog on XX/XX/XXXX fo a total of XXXX I put XXXX down in cash by a debit card, shown in this receipt. The amount showing on my credit report is over XXXX. That is not the correct amount. I never agreed to that ad you can see in the document provided by XXXX XXXX, the amount to be financed is XXXX, that is what I sighed. This is wrong and I've displutwd it twice with documents to prove my case and the consumer is still saying it's inccoret. I will be filing a lawsuit against this company for incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
my chapter XXXX bankruptcy was discharged. included in the bankruptcy was a title loan held by speedy cash of Kansas for my XXXX XXXX XXXX. Per the court filings I surrendered the vehicle to the company. Upon discharge of the bankruptcy I have contacted the company and they refuse to take possession of the vehicle and are still demanding payment. I request that speedy cash expeditiously retrieves the vehicle as of receipt and response to the this complaint or be charged ANY AND ALL APPLICABLE STORAGE FEES PAYABLE TO ME AND BE SUBJECT TO ALL REMEDIES AVAILABLE TO ME UNDER FEDERAL AND STATE STATUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While reviewing my credit reports I discovered a debt collection from Helvey & Associates Inc. I sent the company a debt validation request for them to VALIDATE not verify the debt they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement for customer XXXX XXXX. My name is XXXX XXXX. This does not prove that I am the party who they are seeking to pay this debt. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/2018, Inquiry Date Inquire Name Chase Card Business Type Bank Credit Cards Contact Information XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are two additional social security numbers attached to my credit file that do not belong to me. I tried to dispute the additional SS # 's but I was unable to do so without signing up for a product or service of some sort. I have been denied credit increases, had debt added to my credit file and disputes denied because these additional socials that do not belong to me. I shared that I was a victim of identity theft on my credit file, however, the credit reporting agencies keep attaching debt that does not belong to me. I recently had experian remove a debt for over {$7000.00} from the social security administration - I had never been pursued for that debt or received any information by mail or phone call about it, it just showed up one day. I am not sure how many of these accounts are EXACTLY the same as this one.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my XXXX time filing a complaint in regards to my credit reporting for my XXXX XXXX XXXX. In my previous complaints, XXXX Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that XXXX Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.

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 2022-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit balance of {$160.00} that capital one criminals are trying to steal. They are asking for personal information that was not required to open the account and now that I want to close it they want my drivers license copy which is outrageous and complied with against my better judgement. I mailed the copy, I faxed a copy and they can only say it wasn't clear. They told me to upload from a link they emailed me. I emailed them a copy again with a few numbers blocked out, they said they would call me and when they did they rang one time and hung up. They can email me they can send letters to my home but they refuse to mail my credit balance. I do not want to give they counterfeiter fractional reserve scammers my information for the next time they get hacked. THEY CAN SEND MY CREDIT BALANCE TO THE ADDRESS ON FILE FOR 15 YEARS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23
Company: Federal Adjustment Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX continues to report an account that was discharged in my Chapter XXXX bankruptcy discharged in 2013. This is showing as a collection on my XXXX account. I have disputed but they refuse to report accurate information on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX never received any notices, regarding being in default or Bank of America N.A. scheduling a face-to face meeting according to the mortgage agreement clause 9 ( d ), Plaintiff, Bank of America N.A. attached the mortgage to the complaint and redacted the information to conceal those facts of the FHA loan numbers. Bank of America concealed the FHA loan case XXXX. XXXX. Bank of America N.A. did not comply with Title 24 CFR Part 203 Subpart C- Servicing Responsibilities,  including, but not limited to 203.500, 203.501, 203.600 203.604, 203.605 ( a ), 203.614 and 203.616 as stated in the mortgage agreement.yet the are attempting to take my property without compliance to the Federal guidelines or the HUD provisions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: MI
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:
Experian continues to report fraudulent information on my credit report. XXXX XXXX XXXX is an closed account that has been fully satisfied, as detailed In prior months of reporting. 
Upon request for a investigation into my credit file for other alleged debts this debt instead of being removed was updated as derogatory erroneously! I have no debt with this creditor and do not consent to this fraudulent information to be furnished on my report! 
XXXX  alleged account has been removed from my XXXX report as being invalid and FTC report has been filed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company LAW OFFICES MBA A.K.A Mitchell D. Bluhm and Associates, fraudulently has been trying to collect funds from me. They put me in collections with the credit bureaus. I have never done business with or have ever had any relationship with this company. Quick XXXX search of their company and I can see multiple people have been scammed by this company and are going through the same situation. There illegal activity must be stop once and for all. I have an FTC report filed that you will find attached to this complaint. My account number and amount that is fraudulently being reported owed is listed below as well as in the attached documents. 

FTC Report Number : XXXX Agency name : LAW OFFICES MBA / Mitchell D. Bluhm and Associates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$1200.00}

Company response to consumer: Closed with non-monetary relief