BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: Opportunity Financial, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan with XXXX XXXX I had a family tragedy in XXXX ( death in the family ), and the company supplied me with a one-time deferment of one payment, until the end of the loan. I have NEVER received ANYTHING legally in writing, with regards to additional interest being charged along with the deferred payment. My contract maturity date was XX/XX/XXXX, but with the deferment, it should ONLY be until XX/XX/XXXX. Now, I am nearing the end of the loan, that has been perfectly paid, and the company is NOW saying that I owe more interest, and I won't be done until XXXX. This is totally incorrect, and I also NEVER received anything in writing at the time of the deferral, that this was the agreement. This information was NEVER provided to me, and the XXXX XXXX  is not rectifying the issue. I want this issue investigated. I was NEVER legally notified of anything with extended interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Client Services, Inc.
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:
XXXX CREDIT CARD CLAIM AMOUNT : {$6500.00} I had XXXX account number : XXXX XXXX XXXX XXXX ( became acc # XXXX ) I found out on statements 4 fraudulent amount : - XXXX XXXX : {$1100.00} _ XXXX / XX/XX/2019 : {$3400.00} _XXXX XXXX : {$190.00} XXXX : {$1700.00} 4 unauthorized transactions because delivered different address. by the time fraud transactions actions, i am still at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. ( have document proof ). I did not made 4 fraud purchase below the list, i am not responsible for 4 unauthorized transaction.. 
i move to XXXX XXXX XXXX XXXX CA XXXX 6 moths after the fraud purchase happened. 
NOW, XXXX pushed my account into collections at CLIENT SERVICE, I did try to call them but nobody answered, than i go online ..with reference number is XXXX... .business looks not nomal... ( picture included ) i dont know howto solve this problem for my account. 
CFPB Please help me to solvethis siatuation. im appreciate with all my heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got my Experian Credit report dated XX/XX/XXXX, XXXX XXXX acct # XXXX shows this account is scheduled to continue on record until XX/XX/XXXX. I called this afternoon to XXXX to inquire when it would be deleted lady named XXXX says she would check system came back after XXXX minutes on hold to say it will remain on report till XX/XX/XXXX told her thats not what was on my report # XXXX for XX/XX/XXXX, XX/XX/XXXX, report # XXXX and XXXX report # XXXX from three reports couldnt be wrong asked for a new report and want it removed XX/XX/XXXX as it says or what shall I do to fix this problem so Im not sure if any thing is correct. Confirmation # XXXX from call today 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 2021-03-05
Company: Army and Air Force Exchange Service
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is reporting and trying to collect the incorrect amount of a debt. The debt is closed and has been since 2017, however XXXX is adding over {$46.00} a month to the debt and putting that information on 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 2019-07-24
Company: KEYCORP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have an approved funding from XXXX XXXX which is to be funded by Key Bank - New York Branch. Over a period of several months, I have made several fee payments to a number of various individuals as called for by XXXX XXXX, Key bank Manager, a Mr. XXXX, Bank General Manager and XXXX XXXX ( XXXX XXXX Loan manager ). I was required to make several payments to various people, and which over the course added up to over {$25000.00}. For the last several fee payments ( at least 5 ) I was told by bank manager XXXX XXXX and Bank General Manager that each of these payment would be THE LAST FEE PAYMENT and would result in the funding of my account as approved by XXXX XXXX for {$95000.00}. There has never been a deposit to my account and there is always another fee to be paid. Some of the fees ( PPI insurance ) has been paid at least two times and this manager is calling for yet another payment. The payments and fees never end and has never been the last payment. Currently, there is another fee being called for for insurance before funding my account. History of this operation has shown that as long as I make a payment, there will always be one more last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Entered an agreement that required set amount of payments, XXXX a month for three months. I rounded it off to XXXX, but now Im being harassed for a higher payment. They have abandoned original agreement as if it never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: IL
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 WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF XXXX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2, HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS  EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.

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 2017-06-30
Company: Nelnet, Inc.
State: MO
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:
On XX/XX/XXXX I submitted an application to NELNET one of the Loan Servicers for the U.S Dept. of Education. The application request was for XXXX XXXX XXXX XXXX Discharge of all my student loans. I had become totally and permanently XXXX since graduating from college in XX/XX/XXXX. My Physicians have verified and submitted to NELNET well within each 30 to 60 days timeframe all the information NELNET requested, it 's been 2 years, and to date NELNET has refused to comply with the federal and state guidelines to forgive all my loans .I received on these dates - XX/XX/XXXX and XX/XX/XXXX pages of denial. ( NELNETS reason for Discharge Ineligibility ) " You did not provide the required documentation for the XXXX discharge and have not responded to our request to provide the missing information ; specifically, you did not provide clarification or missing information from you physician on your application and have not received an valid response. '' This was NELNETS reasoning after 2 yrs of processing my original application from the date of XX/XX/XXXX. Correspondence to NELNET via phone, fax, letter, certified mail has been submitted to them multiple times within 2 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card from Bank of America Allegiant that I never applied for. I have not had an account with BofA for years now. I called the number on the letter I received and back of the card and sounded like a I was calling a fax line. I called the Bank of America # on XXXX XXXX. The representative that answered after letting her know the situation said, " Is it an Allegiant Card? '' then transferred me to Allegiant and spoke to a representative named XXXX which verified that there was a credit line opened under my phone # and mentioned there was already a claim, which I told him this was the first time I was calling about this. He then transferred me to the fraud department and said they would help me cancel this card and also provide steps to get this off my credit report. Spoke with XXXX in the fraud department and he said the application for credit was submitted on XX/XX/XXXX. He closed the account and labeled it as Fraud. He said they will be working with all 3 bureaus to take this off my credit report. He was not able to tell me how the application for credit was submitted. I will be following up with th credit bureaus myself as well.

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 2021-03-05
Company: CITIZENS FINANCIAL GROUP, 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 have been Speaking To Citizens Bank about a Fraudulent on my Card about XXXX Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 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 2022-05-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Chase a deposited a large u. Check clears and now they have restricted my account and is closing the account and telling me wait for a cashiers check.. I need my money NOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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:
I asked EQUIFAX to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies and DUPLICATE accounts on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  # xxxxxxxxxx XXXX, XXXX # XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, all 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: MD
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Bull City Financial Solutions a certified debt VALIDATION letter on XX/XX/2018 to verify a debt they claim I owe them and asked for evidence that bears my signature. They have failed to provide all I've asked for/ physical proof that the account is mine. I have also sent the company another certified letter informing that they violated my request and to have the account removed, still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: NC
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 am filing a complaint to request the method of verification for dispute initiated in XXXX and the subsequent response received on XX/XX/20 Report number XXXX to your recent claim that XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXX XXXX  Account # XXXX verified the account they are reporting is accurate.

Be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
The documentation used to verify the dispute Any automated response or e-Oscar verification is unacceptable. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness.

The items in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: WA
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 XXXX # XXXX ) Account name XXXX XXXX Account number XXXX account name XXXX XXXX account number # XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX these accounts 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 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 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Please remove/block the this account as they are fraudulent & was opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX Opened : XX/XX/2017 Balance : {$10000.00}

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