BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I cosigned a student loan thru Citizens bank for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment inXX/XX/XXXXand she called XXXX on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by Citizens that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru Citizens and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru Citizens and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that XXXX has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: World Acceptance Corporation
State: SC
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 have a debt collection from a company that open a account in XX/XX/XXXX. This company XXXX XXXX, has never showed up on my credit report until now because the company was sold to World Finance has bought XXXX XXXX out. I have no reconciliation of this company or the account and now its showing as a charge off on my credit reporting XX/XX/XXXX. It has ever shown on my credit. I reached out to the new company and they told me that they only got the information that the company sent them. How can I remove this from my credit as I have disputed it with XXXX  twice?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: ALLY FINANCIAL INC.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am an XXXX XXXX, looking for permanent job. I was not able to pay full installments for the past three months for my car. I was in arrears of {$710.00} for the three months inclusive of late charges. Ally, didn't inform me that they'll come to repossess my car either by calling or email or post as they do with statements and other things. I woke up today to find my car gone. When I called l discovered they towed it. Now they want me to pay more than my arrears to get the car when they didn't inform me they'll repossess and towaway the car. That's unfair and wrong. I need your 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 explanation
Consumer complaint received 2017-10-25
Company: Diversified Consultants, 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: Their investigation did not fix an error on your report

Complaint:
Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 a call from XXXX  XXXX  credit service asking if I opened a capital one credit card i said no at that point we got in contact with a capitol one representative XXXX XXXX XXXX ) he said he would close the application and report the incident to the federal trade commission.this was done on Wed XX/XX/2020 XXXX told me this was done out of my state.he also said it was done on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX CARD Made on : XX/XX/2018 Made with : Experian Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX  I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, 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 2018-01-29
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have two store credit cards with XXXX XXXX, and due to unforeseen circumstances have fallen behind on my payments-only 30 days. After repeated harassment from the Bank I have blocked their phone numbers on my phone. Now, a third party debt collector has began calling my mother on their behalf, whom is not at all associated with my debts to the Bank and whose phone number is not and has not ever been listed on my accounts with the Bank. Ive advised her to block the numbers, but they call her multiple times a day from several varied phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
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:
This is a formal complaint against Huntington National Bank located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Huntington National Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Everyday in the month of XXXX XXXX and XX/XX/2021 ENC has been harassing me, My family members and any contact they can find and they refuse to send me proof that they own the debt. They have called and left messages with family repeatedly even though they have asked them not to call. They will ask family if they are me and refuse to remove their phone number. They will laugh in the phone when asked. They call my phone and minutes later I will get phone calls from family on a debt they have not proved that they own or is authorized to collect. This debt is over 4 years old according to them and I still have a phone plan with this company. The same number that they call me on with XXXX. They call more than 3 times a day to me or multiple family member including my XXXX year old. I have continusily block numbers and they call on new ones. I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Chase XXXX XXXX card on XX/XX/2021. The financial institution, Chase Bank, N.A. , INC denied my application after already entering into the consumer credit transaction. By placing my social security number on an application, creating a debt ( defined under 12 CFR 313.3 ) owed to the United States pursuant to 20 CFR 422.402, giving a security, this creates a financial asset. Pursuant to 12 CFR 360.6, Chase Bank N.A., INC is an investor ( defined under 12 CFR 360.6 ) in this financial asset. Chase Bank N.A. , INC has also accessed my credit report 4 times. This constitutes as unauthorized use pursuant to 15 US Code 1602p because everyone benefited from this transaction but me. After speaking to one of their customer service reps, he advised me that when I submit the application, I am giving them permission to access the account however many times they need to. After the information conveyed through this call, I went back to their application portal to find the terms and conditions, and no where in those terms and conditions does it state that by submitting the application, I give those permissions. This is fraud and 4 receipts from Chase Bank N.A. , INC are reflecting my consumer report. This is inaccurate information being reported and as a consumer my credit history is being impacted negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
Experian app tells me that my 15 percent utilization is HEAVY USE and shows it as a negative against my score. HEAVY USE? And no where does it give an explanation of what does NOT constitute Heavy or acceptable. There is NO guidance whatsoever.

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 2018-01-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I did get a title loan from Ace Check XXXX and was paying it on time until work became VERY slow. I defaulted on my loan and did try to set an arrangement ONLY to not be able to fulfill it. I am a recently divorced mother of XXXX who has recently had to file bankruptcy to take care of my kids. I do/Will pay the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to the bureaus, especially XXXX  and they have tried to use stall tactics to avoid blocking fraudulent information. They continue to violate federal law under Title 15 USC ( see attached documentation ) and report both fraudulent and inaccurate information. 

Equifax and XXXX  have not replied to me as of yet however, the fact remains that each of these credit bureaus knowingly publish consumer reports without ever have permission from the consumer which is an infringement upon a consumer 's right to privacy and the fact that they knowingly publish information without consent and then share this information, often times inaccurate, is willful non-compliance and violation of federal laws under Title 15 USC, Chapter 41. Multiple violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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:
Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX ( XXXX XXXX XXXX ) {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get medical care. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There were several attempts made to request loans and credit cards and bank accounts. A few were me but another werent

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 2021-07-16
Company: PENTAGON FEDERAL CREDIT UNION
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:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is 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 2021-07-16
Company: JPMORGAN CHASE & CO.
State: TX
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:
hard inquires made on XX/XX/2021 by JPMCB Card and XXXX XXXX and I did not request or authorize these two inquires. It was not me applying for credit with these two credit card companies and want information removed from my credit report. Also, a Fraud Alert has been put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: NV
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:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by 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 2021-11-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax credit bureau in regards to a repossession account with XXXX XXXX XXXX XXXX XXXX. I cited - XXXX. EFFECT OF ERRORS OR OMISSIONS. I have older credit reports that I can provide to prove that this account has been reporting incorrectly. I have submitted them to Equifax on more than one occasion. Which lead to Equifax updating the tradelines but now with changing the original date of deficiency, causing this tradeline to remain on my credit reports for longer than it should. It is the responsibility of Equifax to report factual, and actual instances on my credit reports. Therefore they are in violation of my rights. This is not my first complaint with the CFPB, the last one did not merit any results. It only repeated what I said about having incorrect reporting on my reports.

Company response to consumer: Closed with explanation