BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) XXXX : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the collection agency, they assumed a debt that was less than THREE MONTHS OLD. That is vile. I also have no way of verifying if the total amount I owed is correct based on the information I was given by both doctor 's office and collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an inaccurate account listed on my credit report that I have requested documentation for multiple times but I have failed to receive documents via mail/fax/e-mail. 

The amount the account was placed into what appears to be a Debt Collection Agency titled " XXXX '' with account # XXXX was opened in the amount of {$120.00} on XX/XX/XXXX. The account in reference has been in collections since XX/XX/XXXX in a state which I have not resided in since XXXX. 

I have failed to receive any type of documentation from the credit reporting agency as well as the creditor/original creditors in regards to the validation of this debt. I request a formal investigation into this matter and documentation mailed to me showing the original account opening including photocopies of driver 's license at the time of opening, signatures, and other vital information required to open an account.

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 2018-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim number XXXX. I disputed a charge and Bank of America chose to  believe the merchant over me. They denied my claim and said that the evidence the merchant submitted was compelling and didnt even ask me if I had a rebuttal. XXXX told me they would reduce my cell phone bill but that it would not happen immediately, I said since it wont happen immediately then cancel it. They then said it would show up on my next bill cycle even after I told them to cancel it. This happened in XXXX, XXXX bill cycles have gone by and I have not received the service they claim to have given me. My phone bills are attached along with their email saying they would give me a refund. What compelling evidence did XXXX  give you?? Why didnt Bank of America ask me if I had anything else to add once the merchant refuted the charge? For Bank of America to assume my claim is false just because the merchant responded and said something different speaks volumes on how they really value their customers, and then tell me to fax them some documents and my claim may be reconsidered??? I dont think so. If my account is charged for this amount on XX/XX/2018 I will take legal action against Bank of America and not XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Rocket Mortgage, LLC
State: AZ
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:
On XX/XX/2018, my wife contacted quicken loans to get a preapproval for a home loan for us. She was told that in order to get that done, they will have to pull her credit. She is well aware that I dont want my credit pulled again. She gave her information and they pulled her credit and they pulled mine. She did not give the consent to pull mine. They even got my name wrong on the credit pull. They just use my first name with her last name assuming that we have the same last name. We tried to get it the pull removed but they say my wife should already know that pulling her credit means pulling mine too. They reviewed the conversation and true, they cant find the consent from my wife. They must have used the number from the old file to make the pull. Weve been in contact with the executive office and when she told us that, we requested that she put it in writing but she refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an order on XXXX using my Chase Freedom credit card. The detailed information of this transaction is given as follows : - Date of the transaction : XX/XX/2021 - Order Number : XXXX - The amount I paid to the business : {$1000.00} Details of the complaints : I received the wrong products for my order. The details are explained in the attachment ( XXXX dispute ). I called and emailed to contact XXXX customer service for a replacement of the order starting in XX/XX/2021. I tried multiple times. However, the business did not resolve the problem for more than two months. 

I filed a transaction dispute on my Chase credit card for a partial refund ( I subtracted the matched products from my order and therefore requested a partial refund for the products I never received ). However, the Chase bank denied my dispute. The notice letter is also attached to this request ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company puts their insurance in place even though I have coverage in place. Second year in a row, after going thru their portal they never respond and just place coverage. It is a supplemental policy which in place prior to XX/XX/2022. Yet they still put their own coverage in place via the escrow and will not allow opt out of escrow. I pay for 3 separate buildings on one policy, they fail to even consider it. The charged me {$240.00} this year and {$660.00} last year and would not refund the amount even though I have the coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$620.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-10-24
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX, Advance Financial debited {$220.00} from my checking acct and i just made a payment of {$150.00} the day before is  was due. i spoke with XXXX with Advance Financial and he told me it was due to a missed arrangement on XX/XX/XXXX but it was paid on XXXX. Their process of making the arrangement is you have to directly call them to make the payment instead of having the payment auto debited out of my acct. i have this issue before and i asked to speak to someone who can help me with a better arrangement and all the employees stated is that is what the company can offer. i wasn't allowed to speak with a manager or someone who can better help me with my situation. i have other creditors i have to pay. Covid or not these people are not willing to help you with my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: MN
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:
XXXX and equfax is furnishing wrong information on me and when I dispute they wont take it offThis is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My spouse had filed for bankruptcy around XXXX of 2022. I had no idea that this was something she was doing until my mortgage statements just stopped coming without notice, and the last one received was for XX/XX/2022. I don't remember any specific dates that I made contact with them, but have on 3 seperate occasions asked for my statements to be sent and everytime they told me its the law that they can not send them to me, even though I did not file bankruptcy. I had asked them to send me statements for information, because it's law even if I had filed and they said that is not how the law works according to the cfpb. They claimed that the statements had been forwarded to my wifes lawyer, but when asked they have never received a single statement either. My wife 's lawyer has even sent a letter to the company requesting the statements be reinstated and still nothing. The mortgage company also never sent any of my tax documents, I have been dealing with this for a year now and still nothing, I am done playing can I put you on hold and getting passed off to the next unhelpful rep.

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 2023-08-18
Company: JPMORGAN CHASE & CO.
State: IA
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had accrued loans ( federal and private ) from my XXXX studies ( XX/XX/XXXX-XX/XX/XXXX ). I had then worked for a year in which these were both regularly paid. Starting in XX/XX/XXXX, I then started XXXX school and was no longer working. As I was again a studying and in student status, generally loan payments should be on hold for the duration of the studies, where payments don't need to be made. This had worked with the federal loans ( I was not obligated to pay during this time ), but my private loan lender did not allow this option, citing that I was not attending a certified university that qualified for this break of loan payments, so despite not earning any kind of income, I was still obligated to make the normal payments, although being granted a period of forbearance for 8 months. I have now since finished my XXXX   studies ( XX/XX/XXXX ), and am still unemployed, with almost no income. This again is fine with my federal loans, as I am on an income-based repayment plan, so I am still not burdened with making payments if I am not earning any income. This is again not ok with the private loan agency, I explained this to them, and they offer no options for borrowers who are currently unemployed, no discounted system, or smaller payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer adjustment has not resolved this matter. They put my account in dispute status 3 months ago but never furnished any proof of the debt. I do not owe this debt to my knowledge and have also filed a ftc claim against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting. XXXX  XXXX, XXXX, Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, 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 called Equifax on XX/XX/2017, I spoke to representative XXXX, I explained to her that I have disputed two incorrectly reported tax liens. I tried to inform the agent these two liens ID # XXXX and ID # XXXX should not be listed on my report, they have been withdrawn. I called out to the number listed on my credit reports, and was told by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that they did not report this information to the credit bureaus. The representative XXXX was very rude and stated that she was not going to remove this item nor re-dispute it. I asked her if she could provide me with the name and contact information for the company that they are receiving the information from and she stated that she did not know who they received the information from and was unwilling to assist me. I asked her if I could speak to a supervisor and sh stated that the supervisor was going to tell me the same thing. I asked her again to speak to a supervisor and she stated that the supervisor was busy and that I will need to call back or leave a message. I have been disputing these two liens for the last seven months, and have yet to receive any information on how this is being validated and who is reporting this information, being that both courthouses stated that they did not report this information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: NJ
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 received several emails from XXXX XXXX XXXX stating that I had ordered a mobile device a Red XXXX XXXX XXXX Gb that was apparently ordered on XX/XX/2020 I thought it was a scam and I deleted them. My daughter called and told me she was a victim of a possible data breach on her credit. I checked my credit report and found that there was in inquiry for XXXX XXXX XXXX on XX/XX/2020 I immediately disputed the inquiry and called XXXX XXXX XXXX since the phone was in the process of being delivered they cancelled the order. I immediately joined XXXX to monitor my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: TX
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 noticed some accounts on my credit that are not mine. They are dropping my credit. They show me as an authorized user. I never authorized anyone to put me on their credit. I contacted the creditors and they stated that they will remove me but I have to dispute it with the Bureaus. Equifax and XXXX are just ignoring my disputes. It has been 62 days now and they refuse to remove this from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT MANAGEMENT has furnished two accounts on my credit report without disclosure, notice, and above all, without expressed written permission from me. All of these are violations of the Fair Credit Reporting Act. 

This alleged debt is not mine. 
I dispute the validity and existence of said debts in amount of {$1000.00} and {$4200.00}. 
I refuse to pay a debt I do not own or owe. 

I have no knowledge of MIDLAND CREDIT MANAGEMENT. MIDLAND CREDIT MANAGEMENT has furnished deceptive forms and information regarding me to others which is, including but not limited to, Identity Theft, Fraud, Violation of Privacy, all are crimes punishable by civil and/or criminal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reported to my bank that someone had gotten my bank info and I recently cancelled my debit card because of fraudulent activity going on. Everything was okay until 2 days ago. I went to the bank to withdraw from my account and I noticed that there was a preauthorized debit transaction of {$1400.00} on my account that I didnt authorize. I did not have my new debit card at the time neither. I filed a claim with the bank and they said it will take up to 10 business days to figure it out. I have had my claims rejected in the past and they seem to not take it seriously. Im not sure where this transaction came from or who may have my information but I am very concerned about not getting my money back as this is the only account I have with Citizens bank and all my funds were stolen from my account. I want to take serious action and I also filed a police report and told the bank to put the report number in my case file so that whoever may be investigating my claim, can understand that this was most definitely not me and I have no idea why that amount of money was able to be taken from my account especially when I have no active debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX XXXX Order granting Motion For Leave to Proceed in XXXX XXXX on XXXX XXXX XXXX, as shown on Docket Sheet Copy Included, for Trans Union complaint in process record, as well as XXXX complaint record. Full Case Number is : XXXX, as shown on Docket Sheet Copy attached.

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