BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: WI
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 Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Attn XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my Equifax XXXX XXXX and XXXXcredit report. My latest credit report shows 1 credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Here is email I wrote to XXXX XXXX defining my complaint. 

XXXX XXXX, I am reaching out regarding your companies numerous non-compliant attempts and calls made to my cellular telephone via a automated/predictive dialer. I have requested multiple times that my cell phone XXXX not be called through any non-TCPA COMPLIANT, automated and/or predictive dialer system. This is not a cease and desist request. Your reps may call me all they want as long as it is a manual type dialing attempt and meets any regulating bodies guidelines. During my communications with your company Ive been harassed ( defined by consumer ), been mislead ( UDAAP ), treated poorly by upper management and shown why 3rd party collection agencies that do the right thing are at a disadvantage due to companies which you head the compliance team. What really amazes me is how your company continues to treat me poorly even knowing my experience in 3rd party collections. Im willing to speak about my situation but not how your company chooses to brand their image. I am looking into legal avenues to make sure youre fined and multiple CFPB COMPLAINTS and all methods to help your company understand the value of being compliant. I hope your company has saved all calls for you to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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 information incorrect

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-10-23
Company: General Motors Financial Company, Inc.
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX, PA XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.

This is the third time IPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
GM FINANCIAL # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting 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:
Approximately 10 days ago my wife received a letter from Chase Bank telling her she was declined for a credit card. It was her correct name - including middle initial - but the credit score they showed was not hers. I called Chase, gave them her SSN and info and they said they couldn't find anything with her info in their system. 

Last night I was checking my credit reports and found hard pulls by JPMCB CARD SERVICES. I called Chase this morning ( NOTE : If you do not have a CHASE account it's almost impossible to get a human there, let alone someone in fraud since all avenues of communication are blocked by " please enter your account number now '' prompts ). 

They DID locate a card application using my information. When pressed as to why they sent the letter to my wife he could provide no information or explanation. When asked why they did not contact me about the fraudulent application he could provide no explanation other than " we do contact via phone and email ''. I asked how he could do that when I didn't apply nor am I a customer he could give no explanation. 

Something isn't right at CHASE. They clearly processed a card application with my SSN and my wife 's name and address. That should be a red flag right away. Also where exactly did the low credit score on her rejection letter come from? Also the representative that I spoke to said he " cancelled the pending application '' - so what application was declined with my wife 's info? He also said they've received a lot of complaints about fraudulent apps for this card - so again, why was I not notified. If I hadn't checked my credit reports I would have never known about this. At best they are horribly sloppy with PII and customer data. At worst they simply don't care and are willing to deal with a certain amount of fraud. 

My concerns now are they have my data, my wife 's data ( and somehow have those mixed up ), and the 3 hard pulls on my credit reports. The rep said they would contact the credit bureaus to have those removed but could give no timelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Management Lp indicates I owe {$940.00} date of debt XX/XX/2023 until XX/XX/2023 for a one month term service. I have never had a account for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: ALLY FINANCIAL INC.
State: GA
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 need these inquiries removed they are not mine

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 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
CapitalOne placed a fraud restriction for no reason that they can tell me on my credit card and is asking for sensitive documents ( Social Security Card ) in order to lift the restriction. I've never had to do this for any credit product in the past. They are threatening to close my account for inactivity in 2-3 years if the documents are not provided. I have offered to provide other proofs of identity but they insist on have a copy of my Social Security Card. I find it quite unfair that because I don't want to send my private documents that my credit score will get dinged for having the account closed for inactivity. 

I have spoken with the Fraud Account ManageXXXX " XXXX '' Employee ID # XXXX, she was not helpful in getting my issue resolved and did not care to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Wolf River Development Company
State: DE
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:
To whom it may concern, I am writing to report multiple fraudulent ACH withdrawals totaling over {$5000.00} deducted from of my personal checking account by Fineday Funds ( Eagle Lending , LLC dba Fineday Funds ) located at XXXX XXXX XXXX, XXXX, WI XXXX, at phone number ( XXXX ) XXXX. I have never done business with Fineday Funds, nor heard of the organization prior to these fraudulent withdrawals from my account. I have never received any product or service from Fineday Funds and did not authorize money to be taken from my account by Fineday Funds. 

On XX/XX/XXXX, an ACH withdrawal appeared on my XXXX XXXX  XXXX checking account for {$2500.00}. The entry on the bank statement reads as follows : FinedayFunds XXXX XXXX XXXX : XXXX XXXX CO XXXX XXXX XXXX XXXX on XX/XX/XXXX, another ACH withdrawal from Fineday Funds for {$2600.00} appeared on the same account. The entry on the bank statement for this transaction reads : XXXX HOLD Fineday Funds DB ONLINE PMT ON XX/XX/XXXX I have reported both of these transactions to XXXX XXXX  XXXX, but as there have now been two transactions over two weeks totaling over {$5000.00}, I am requesting that this matter be investigated by the CFPB so that Fineday Funds is not permitted to continue committing fraud at my expense. 

Additionally, I contacted Fineday Funds by phone today to attempt to resolve this matter. They were particularly unhelpful over the phone, requiring that I send them documentation of the fraudulent withdrawals instead of beginning to investigate the matter over the phone with me. 

I look forward to prompt investigation and resolution of this matter in addition to investigation of Fineday Funds ' apparently overly lax identity and/or bank account verification practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
after reviewing my credit report, i have found numerous inaccurate names, aliases, and address do not belong to me. I want to ensure that you are onlynretaing and reporting true, current, and accurate information on my credit report per FCRA regulation and i demand, as my lawful right, for names and addresses that i have listed below must be removed immediately as they are not accurate and untrue.

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 2023-09-27
Company: Conduent Incorporated
State: OK
Product: Prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I've had this card since XX/XX/XXXX and every time I try to use it I am denied have tried to call customer service but there is never a live person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I will start by saying Continental Finance just IGNORED me first, and then sent me a standard rejection letter. I always make sure and take care of my bills on time, however I had an unavoidable situation that occurred late last year. In XXXX of 2022, I became very ill, XXXX related, and was bed ridden for 3 weeks. I could not walk, much less leave the house. Needless to say, I fell behind on some bills, one of them was my Continental Finance account. I am also a Veteran of United States XXXX, retired on XXXX. 
All i wanted was mercy for ONE month, i am still a customer, and i have paid on time every other month, before and after my one late payment. 
Their response, they are required to report accurate information to the credit bureau. I understand that, but i also know they are lying. Credit card companies often time forgive late payments on credit cards, they just can not be bothered helping a single mother, veteran on disability, trying to purchase a home, with one late payment. I think this is unreasonable. I will attach my letters and lastly their " response ''.

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 2021-02-09
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of Identity Theft. An unknown perpetrator used my unique identifiers to open various accounts without my knowledge. I filed an FTC Identity Theft Report ( report # XXXX XXXX on XX/XX/2020. I also filed a local police report with the XXXX Police Department XXXX report # XXXX ) on XX/XX/2020 describing the situation in detail. The report listed all of the accounts that were a result of the identity theft. I also contacted each company listed in the report and notified them of the situation and that I had been victimized and how harmful it has been in reference to my financial endeavors. I also opened disputes on the matter and promptly notified each of the major credit bureaus. Some companies required an affidavit of identity theft be sent in along with supporting documents to help aid the investigation process. Correspondence on the matter was to be given within 30 days of receipt of the documents. I mailed off an affidavit of identity theft along with supporting documents to Santander Consumer USA on XX/XX/2020 via certified mail ( tracking # XXXX XXXX. There has been no correspondence on the matter. I recently called to check the status of the investigation and I was informed that Santander Consumer USA has not gotten to my file yet and the investigation was still open at this point and has not yet been assigned to an agent. The investigation was supposed to be completed within 30 days of receipt of the documents. Documents that were delivered on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Mohela has been terrible 6 hour wait times Cant get straight answers Stick me in a high monthly SAFE payment plan without me knowing [ I cant pay XXXX a month ) Bankrupt 2 years ago, unemployed which ends soon and on public aid ( no assets ) The calculations are bad and XXXX us deceprive calc politicians are our if touch and XXXX XXXX XXXX leaders Mohela is a mess and problem and traumatizing borrowers in many ways

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Fraudulent accounts and unauthorized inquiries appearing 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 non-monetary relief