BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Kikoff Inc.
State: VA
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:
I received an unsolicited Kikoff Mastercard on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX XXXX assisted me in getting in contact with Kikoff to cancel the account. It is currently in process to getting canceled. No activities were detected in my credit reports, but I have taken measures to strengthen the security around my bank etc. as now I am aware that my information has been compromised.

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 2020-07-22
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 after experiencing a reduction of income and continued financial hardship from my trucking company, I contacted Freedom Mortgage Corporation located XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX in effort to seek mortgage assistance in the form of a loan modification or any other available relief. I completed the entire hardship packet which included IRS Form 4506-T ( allows us to verify tax return information if necessary ) Borrower ( s ) Financial Report Hardship Letter Brief explanation of reason for the hardship ( such as : illness or job loss ) signed and dated A current year profit and loss statement - signed and dated Checking and savings account statements for the past ( 2 ) months, both personal and business - include all pages Most recent business tax returns that are complete with all schedules and attachments. 
Since then I have continued to submit and resubmit the documents repeatedly, soon thereafter, I received notification my loan has been moved to the foreclosure department. I was told verbally in XXXX my loan modification was approved and to await the terms in the mail. After a few weeks of not receiving the packet, I contacted Freedom Mortgage and was advised my loan was NEVER approved nor has it been underwritten yet. 
Please assist me as I am in jeopardy of losing my home during this pandemic, Freedom Mortgage Corporation is practicing unfair lending practices in order to facilitate me becoming homeless, they have loss paperwork that I uploaded onto the website, I have had to re-submit documents several times, I have been very cooperative and readily available to speak to the loan processor and underwriters. 
I have a right as a homeowner to seek mortgage assistance from my lender when I experience a hardship, prior to this unprecedentedI paid my mortgage in a timely manner. I would like your assistance in procuring a loan modification so I can retain ownership of my home. The staff at Freedom Mortgage Corporation are unwilling to assist borrowers in retaining ownership of their homes, there have been several complaints filed against them due to these predatory lending practices. I would like to remain in my home and I will be able to pay my payments in a timely fashion.

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 2018-08-08
Company: Cadillac Accounts Receivable Management
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection account ( s ) just appeared on my credit report overnight. This bill was part of a Federal Workman 's Compensation claim that was approved, and paid. Company never notified me at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
Dear Sir/Madam, Two charges dated XX/XX/XXXX and XXXX, 2020 to XXXX for {$40.00} and {$100.00} are fraudulent and should be removed from the account. These charges were never authorized by me nor by the primary account holder. These charges were removed two months prior by chase following my complaint to chase, and then again appeared on the credit card current statement. The phone number listed next to the so called merchant does not even work [ XXXX ]. It took me over a dozen calls to Chase, each time after i : repeated the same complaint over and over again and again. Eventually about a month ago, someone by the name of XXXX from the executive office of Chase, tell number XXXX XXXX XXXX X XXXX called me and said 1 : ) that they will remove both {$100.00} and {$40.00} charges from the account, 2 ) will remove the interest charges, 3 ) and will give me {$100.00} courteousy credit due to this inconvenience Chase caused me. About 10 days ago, i : checked the account and only found out that {$100.00} was credited back to the account labeled as so called courteousy credit when it was my own money. Please note that i : had previously send to chase fraud department prove of the merchant 's acceptance of returning my monies, see attached. When i : found that, i : called XXXX and left her a message to call me back, XXXX at or about XXXX XXXX  XXXX on XX/XX/2020 called me and told me that she never agreed to give me {$100.00} courteousy credit plus return of two charged of {$100.00} and {$40.00} as well as the interest charges. i : objected and i : said if this thing gets to a court or to CFPB, the phone conversation that Chase advised me that was being recorded, will be subject to subpoena. i : don't know what happened nor is it important as to what happened that Chase changed its mind, perhaps and most likely, they feed off the misery and frustration that they cause the people of this Republic. i : expect CFPB to get all my monies back from Chase plus compensation for my time and frustration with this so called Bank. 
Thanks, XXXX XXXX Tel : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Account status incorrect

Complaint:
This is XXXX 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. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: GA
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:
After reviewing my credit report the following inquires does not belong to me or wasn't authorized by me. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX, I signed a contract with XXXX XXXX for payment of my granddaughter to attend XXXX XXXX XXXX in XXXX XXXX, Florida. Comity Capital Bank ( Acct. No : XXXX ) was the servicing agent for XXXX XXXX. Due to Covid-19, XXXX XXXX XXXX in XXXX XXXX closed their doors. In addition, my granddaughter moved away and could no longer attend XXXX XXXX XXXX. In or about XXXX of XXXX, I contacted XXXX XXXX XXXX in XXXX XXXX and advised them that my granddaughter had moved and will no longer be attending XXXX XXXX XXXX at any location. As a result, the contracts with XXXX XXXX XXXX and XXXX XXXX  was terminated. 

On XX/XX/XXXX, Comity Capital Bank advised me that I am responsible for the balance due on the loan of {$4800.00} XXXX {$7500.00} - XXXX credit ). This amount is incorrect and did not take into account the monthly payments that I had been making since XXXX of XXXX. In addition, because of Covid-19 and XXXX XXXX XXXX 's failure to timely resolve this matter, Comenity Capital Bank has improperly been charging me late fees of $ XXXX. I have attempted to resolve this matter with Comity Capital Bank ; however, they refuse to correct the problem. Instead, the bank is reporting me delinquent on a monthly basis with the three credit reporting agencies for the sole purpose of destroying my credit. As a result of the banks actions, my credit rating has dropped over XXXX points in the last seven months!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and I have submitted all required documents to XXXX and XXXX but none of them have removed the fraudulent accounts from my report EVEN when creditors have acknowledged the Identity theft situation, I have contacted Bank of America in regards of the account XXXX being reported in my credit and they do recognize that said account doesn't have my social security number, neither my zip code nor address, only my name, but that account is still being reported to my credit by XXXX. In the case of XXXX reporting on XXXX and XXXX XXXX, those accounts are consequences of identity theft, XXXX is reporting that account with another person and they do not delete that information from my report on both XXXX and 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 2023-02-21
Company: Experian Information Solutions 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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX BANK XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; BANK XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ( XXXX XXXX ) ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK NA Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on 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 explanation
Consumer complaint received 2022-11-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My NFCU XXXX XXXX XXXX is a frozen state despite it showing on my credit report as an active charging card. I have made payments for YEARS and do not have access to any of these funds. NFCU is engaging in fraud. 

This is the same issue I have with my Checking Line of XXXX. NFCU keeps these dead accounts open on their balance sheets but don't allow consumers to access these funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Resurgent Capital Services L.P.
State: NY
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:
SEE ATTACHMENT BELOW I did not give consent to report anything to my credit report nor do I have a contract to do business with LVNV Funding. They are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave permission. Violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Upstart Holdings, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : Upstart Network # XXXX, Account name : Upstart Network # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX & Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2023-06-26
Company: EMCC Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX I Do not qualify for Time share Furloughed in XXXX  natural declared disaster no income

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: OR
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:
Hello, First of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with XXXX, Equifax, and XXXX and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

EQUIFAX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only XX/XX/2019. 

XXXX : XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only Inc Via  XXXX XXXX XX/XX/2019 XXXX : XXXX CREDIT/OFF LEASE O XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX XXXX  XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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 2022-08-05
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 XXXX XXXXXXXX XXXXXXXX Act. # XXXX, XXXX XXXX Act. # XXXX and XXXX XXXX Act. # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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