BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: MA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
these settled charge off accounts are still reporting inaccurate on my XXXX & transunion & XXXX these XXXX XXXX  XXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # 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 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notice this evening that Bank of America has chosen to close my credit card account. This account has a credit balance and has not had a balance in several months and I feel like this was an arbitrary decision. The creditor previously lowered my credit limit in the same fashion while I was on a promotional APR and made no attempts to contact me to verify my demographic information. Now they have adversely impacted my credit score by upping my utilization percentage after they have closed the card. This is unfair as I have given them no cause to close this account. My credit has improved since I was initially was approved for the card and my income has more than doubled as well. How is this a justifiable closure? Im good  enough to receive weekly emails about investing my money that they know I have, but not to keep my card with a credit balance open? How does this not constitute as them causing me financial injury with their arbitrary actions? I can only assume what the adverse action reasons are because they did not provide them in this notification. However, I would challenge them to prove whatever credit information they have at the current moment is any worse than when they approved me for the card initially.

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 2020-10-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This Account is fraud I don't have any relationship with this Account I never did any business or open any account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was not notified by the company when my payment went from {$13.00} a month to {$170.00}. They did not inform me to why it skyrocketed $ XXXX+ a month. There is no way I can afford that and they never attempted to notify me to work something out. The company Navient has and will continue to take advantage of poor Americans. I do now understand how they can do this to someone without a letter or a phone call. This and other reasons are why they are facing multiple lawsuits. I am a hard-working American citizen and I do not deserve to be treated like this. Because I was not correctly notified about the extreme jump in payment I am now being told that I owe over {$340.00} when I had automatic payment set up for the {$20.00} a month that would cover the {$13.00} plus help pay down some interest. Thank XXXX they did not automatically take out the new and uninformed {$170.00} because that would have nearly crippled me financially as I am forced to live paycheck to paycheck. Please help me and let the lawsuits give Navient a taste of their own medicine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
my babys mother open some cards with the babies social security number & I want it stopped. I don't know how many or to what extent, id like to find out & freeze their credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Experian has been furnishing my information without the written instructions of the consumer which is me in accordance with title 15 usc 1681 ( b ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Which is stopping me from obtaining credit.

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 2020-05-19
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX XXXX : is double reporting a debt on my credit file with XXXX XXXX XXXX XXXX. They are reporting the same debt and this is a violation per the FCRA. I am requesting that this be deleted off of my credit report.

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 2019-08-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person XXXX XXXX ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 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 2021-03-25
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
consent to.I am a victim of identity theft and I believe my information is being used by very bad people on the dark web aka internet hackers. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report immediately so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1XXXX, XXXX XX/XX/2019 2.DEPT OF ED- XX/XX/2019 3.XXXX- XX/XX/2019 4.XXXX  XXXX XXXX- XX/XX/2019 5.XXXX-03/21/2019 6.XXXX- XX/XX/2019 I XXXX XXXX created this CFPB complaint all by myself because I was sick and tired of my rights being violated by the credit bureaus. please resolve asap. Also my rights were violated by employees at XXXX XXXX when I called to dispute these items. XXXX  Employees XXXX XXXX and XXXX XXXX openly admitted to me that they knew they were violating my consumer rights 15 USC 1681B ( a ) ( 2 ) and 15 USC 1681N ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a text this morning from # XXXX stating they were SECU ( my bank ) and that they were alerting me to an unauthorized charge for my card ending in XXXX. They informed me to call XXXX to discuss with an agent. When you call the number you are provided with the exact greeting you get when you call SECU. An individual answered the call and asked me for my card number so he could look up the charges. I hung up and then looked on my banking website. There were a total of about 20 charged ( some attempted at {$0.00} ) starting late XX/XX/21 into XX/XX/21. Just wanted to pass this information along since it was unnerving how much the prompting sounded exactly like the real thing! I have contacted my bank directly to inform them of this. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a home loan serviced with XXXX and I received notice from them on XX/XX/XXXX that when I made my payment on XX/XX/XXXX it would be my last engagement with them. This effective XX/XX/XXXX, my new servicer would be Freedom Mortgage company. Freedom Mortgage company did not provide any documentation to this loan and they raised my mortgage payment with no notice. I have submitted SEVERAL email request and phone calls to resolve this issue and all of my request have gone unreturned. I know they are required by law to not only provide notice but to provide documentation which they don't seem to care to do. Not to mention they provided me no documentation of this new loan agreement until I threatened to report them. It's as if they are looking for people to default on their loans and they should be fined and investigated for their unprofessional and unsavory practices.

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 2021-03-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Good Evening, I would like to file a complaint against Chrysler Capital. I obtained an auto loan from them in XXXX of XXXX. The terms are 60 months at 18 % with a monthly payment of {$310.00}. According to my account statements, I've paid them over {$9300.00} since the beginning of my loan and my principal has only reduced by {$840.00}. I borrowed {$13000.00} and my payoff is currently {$12000.00} through XX/XX/XXXX. I did miss a few payments and my loan was deferred for a few months due to Covid-19, But this doesn't add up. I've contacted Chrysler Capital several times and they keep stating that the payoff amount is correct. I'm looking for any assistance you may provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions.

P.s, To whom it may concern I was never once notified in writing by 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 2020-12-06
Company: Credit Control, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX  XXXX continues to sell off a debt that was a result of identity theft and fraud. Credit Control LLC sent me a debt request for a debt that I do not owe. Please remove the debt from my name. Cease and desist collection on this debt.

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 2021-09-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i received an update on my credit report and I now have a collection reporting from a company names Midland Credit Management. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/20 I made a {$430.00} purchase using my Chase debit card. Upon purchase, every customer signs the same agreement. I signed the purchase agreement, went to my scheduled appointment with the merchant and was advised by both the merchant and my then attorney that I was wasting my time and money. I did not receive the service that I paid for as a result of this conversation and ultimately left the merchants place of business. The merchant decided to offer to apply my funds to another service they offer, which I declined. I want my funds back. I am entitled to my funds back being that I paid specifically for something that I did not receive. The merchant acknowledges this. The bank refuses to credit my funds back and the merchant refuses to return my funds. As a result, Chase is complicit in the merchant essentially stealing funds. This needs to be resolved immediately, Id like for someone from the executive office to contact me if theyre willing to resolve the issue properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am writing because error message not allowing me login access. XX/XX/2021 I emailed cash app support seeking help with a password reset. CashApp failed resolving my login issue. I know about technology. CashApp does not provide the level of customer service I am looking for. I specifically told the company about what my login issue was that my phone was stolen connected with number XXXX and that I am accessing my cashapp with number XXXX. CashApp gave impossible instructions stating " Scroll down and tap Sign Out ''. Why would CashApp tell me to update my phone number on my account when the very reason I contacted their customer service was because I could not log in? This unacceptable technical support is frustrating my plans because I need my money added immediately! I live on skid row DTLA. I get {$100.00} a month from California General Relief " GR ''. I can't afford paying the bank fee on a checking account with XXXX XXXX because of XXXX capitalism in XXXX " economic genocide ''. I am poor financially because of my XXXX XXXX. Four times I reached out to cashapp. I have attached three email attempts that specifically stated the login issue. my failure conversation phone call was with XXXX from XXXX XXXX competed my efforts of resolving my login issue directly with CashApp. XXXX stated that if I dont create a new account then their is nothing that can be done on their in regarding recovering my login. I explained that already new accounts have been created and that is not what I want to do every time I have trouble logging in and that I disagree that the only solution is creating a new account. Further CashApp should not be in business if they can not support the existing customers they have. I specifically stated my account recovery on my app and website was asking to verify the credit card connected with number XXXX stating " please verify card ending in XXXX '', I emailed customer service stating that my phone number XXXX activated with a Mastercard ending in XXXX via email and telephone I asked CashApp why their system would ask me to verify an old credit card on file that is not active? Cashapp 's phone support couldn't answer and agreed that was strange however provided no solutions. CashApps system does not provide specific internal error code messages that would help their phone IT support know which field of information is triggering a lockout on their end. I then began demanding to speak with a developer regarding their technology and account login lock out. Supervisor XXXX disconnected my phone call because I refused her advice of creating a new account.

Company response to consumer: Closed with explanation