BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-29
Company: Experian Information Solutions Inc.
State: CO
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:
Received alert on XX/XX/19 from credit monitoring company that my XXXX XXXX XXXX has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XX/XX/2019 was 0 % and at XX/XX/2019 it was at 64 %. 

XX/XX/XXXX and Experian both are reporting that both accounts have been closed and settled. 
See attached documentation ...

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 2019-09-15
Company: Experian Information Solutions Inc.
State: KS
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 was included in my Chapter XXXX Bankruptcy United States Bankruptcy Court - District of Kansas XXXX US Courthouse XXXX XXXX XXXX XXXX, KS XXXX Case Number XXXX - XXXX Open date XX/XX/2011 Vehicle Loan XXXX XXXX XXXX XXXX Account number XXXX " Bankruptcy Petition Fixed Rate '' No longer liable for this item

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 2019-09-15
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The second week of XXXX I was a victim to a scam in the XXXX   XXXX area, and it was in the form of a job opportunity, I went to the place I did work and I was physically handed a check for working for this company. I worked for a month until I got my first check, along with that I gave them my account and routing number for direct deposit, and they told me I would start getting direct deposits for my second payment. The first way I got paid was through a check. I deposit the check and there was a hold on it, I believed it was normal. Then one morning I check my account, my account was negative {$3300.00}. I was on the phone with Navy Federal from XXXX to XXXX the next day and its not until a week later they finally made a fraud claim. A month goes by and finally the XX/XX/XXXX Navy federal calls me to tell me I would have to take care of the negative in my account and theres nothing they can do about it. Along with the investigation, I filed a police report and the people I was working for are nowhere to be found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Saturday, XX/XX/2019 a post was posted by XXXX XXXX XXXX on XXXX XXXX for a washer/dryer. She said she would hold the item for a deposit. We are moving some time in XXXX, so holding an item until then is ideal for us. I messaged her and she said she would hold the item as long as we need. She requested I pay her husband on XXXX via $ XXXX ( listed as XXXX XXXX ). I confirmed this was her husband and I paid {$170.00}. The next morning, the post on XXXX XXXX had been removed completely ( not marked as sold ), and our entire exchange on messenger was gone. I sent her a message asking for her contact information for future reference and she will not answer. I have requested my money back from her and her husband with no responses. I have filed a police report and reported her to XXXX. 
I filed a claim with Chase bank and initially they said that with XXXX XXXX there is nothing they can do. XXXX XXXX support told me that my bank should be able to file a dispute. I called Chase again and re-expained my situation, so they filed a claim. Chase put {$170.00} into my account temporarily. I received a letter on XX/XX/XXXX from Chase stating they completed the research for the claim and found that the transaction was processed correctly or authorized, and they would be removing the {$170.00} that they put in. On the letter it stated I could contact Chase if I would like to request the information used in their research. I contacted Chase and requested the information, which they said had to be sent by US mail. I had already been denied an initial request for the information of their communication with XXXX XXXX for unknown reasons. I am now waiting for the research information, which does not sound promising.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 am temporarily experiencing financial difficulty. 

Due to my financial hardship and in order to meet necessary household expenses plus credit payments, I am asking that XXXX Capital One to accept a reduced payment for the next 6 months on my debt. By that time I hope to be financial able to pay the monthly amount asked. If my situation improves sooner I will notify you at that time. 

I would appreciate your consideration in this matter as I am not able to meet the regular payment of {$66.00}. I will pay you {$27.00} per month during this emergency. 

I request that my account not be placed with a collection agency as I wish to deal with you directly. Over the next 90 days, I ask that you also please consider withholding interest on my debt. 

You can be sure that I will resume regular payments on my debt as soon as I am able. I will notify you when my situation improves. Please only contact me in writing and I will respond to your letters in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I sent an email to Cash Central on XX/XX/XXXX stating I was revoking my authorization for them to debit any money out of my bank account. I received a confirmation email from on XX/XX/XXXX stating " My ACH has been revoked, and to disregard automated emails I received from them in regards to payments coming out of my account ''. On XX/XX/XXXX Cash Central debited {$55.00} out of my account which was not authorized by me and then on XX/XX/XXXX Cash Central debited {$480.00} out of my account again, which was not authorized by me. I sent them an email after the unauthorized debit on XX/XX/XXXX they claimed they would refund my money and did not instead they debited almost {$500.00} more dollars two weeks later. I have repeatedly sent them emails stating I want my money returned to my account and they have yet to do it. I am attaching to this complaint my emails I sent revoking my authorization and Cash Central 's emails stating it had been noted along with copies of the transactions they illegally did from my bank account.

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 2019-06-29
Company: Experian Information Solutions Inc.
State: CA
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 received copies of my credit report from Experian, XXXX, XXXX and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit report. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. Experian, XXXX, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. also they are reporting names and addresses medical collection without following the HIPAA rules and regulations so please look into the companies it is not right for the credit bureau to report information that does not belong to you for the purpose of making money.

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 2020-04-30
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to report multiple violations to my rights as a consumer, that Discover Financial Services is committing. The account that is the following : Account # XXXX, opened date : XX/XX/2016, limit : {$200.00}. This item must be removed from my credit reports, and I am going to explain why. 

Discover Financial Services is committing multiple violations to the California Credit Reporting Act. 
1. Discrepancies across bureaus : - Reporting different last payment activity. 
- Reporting different amount of late payments across bureaus.

- Reporting different account status.

- Reporting different highest balance across bureaus.

- Reporting different date of last payment.

2. Reporting incomplete information : - Missing closed date on a charge-off account. 
- Missing payment history. 

I am demanding a fair solution for this issue. I want a deletion letter and this item removed from my credit report. If this doesnt happen, I am willing to take this case to federal court. I have spent XXXX dollars in legal advise, and Ive been affected emotionally because of this issue. 

Please send the attached documents to Discover Financial Services. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: ERC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We receive a Bill from XXXX for a service that we never apply or have. They Bill us {$1400.00} for one month of service in XX/XX/2016 that we never receive. They don't tell us where is the address of the supose service. We never receive any mail from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: PA
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:
To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the XXXX  loan account with XXXX  XXXX XXXX starting with account # XXXX, I disputed the information with XXXX, XXXX, and Equifax. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 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 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Experian Information Solutions Inc.
State: WA
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 never got evicted, yet there is an eviction showing on my record, making it impossible for me to rent elsewhere. I lived at XXXX XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, but there is an eviction showing in XX/XX/XXXX. i have perfect rental history, on time payments with rent, etc.

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 2021-04-23
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I started getting letters from lvnv funding saying they're collecting on behalf of XXXX. My credit had a blemish with XXXX XXXX since XXXX. Instead of XXXX XXXX NVLV is now on my credit as collections opened XXXX. I filled out dispute letters to the Credit agencies stating wrongful filing because I've never verbally stated or written or recognized lvnv funding as an entity I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: DFC Global Corp.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a company that keeps pulling my credit. These credit inquires are hard hits that have dropped my score dramatically. I have not requested a payday loan but every year they keep pulling it. Last year they told me I owed them money which I did not. They then changed there story a few months later saying I applied which I have advised them I never attempted to do so.I would like them to stop pulling my credit without my permission. They most recently pulled my credit stating I requested it but I did not. 
I have asked them to never do business with my social security number or contact me prior to trying to establish a new loan they have refused.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions Inc.
State: SC
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:
The week of XX/XX/XXXX I sent validation/ verification to Experian , XXXX , and XXXX  because XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and Experian. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same 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 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The week of XX/XX/XXXX I sent validation/ verification to XXXX  , XXXX , and Transunion because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX  but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from Transunion and XXXX. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same 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 2022-08-09
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I entered the Cares Act Covid-19 Hardship program with my Mortgage company Freedom Mortgage on XX/XX/XXXX they told me it was time to start the exit process and resume payments they also told me that the VA had approved me for a partial claim to secure the outstanding balance. I filled out the paperwork they sent me and then I got a call saying they incorrectly filed it with the wrong maturity date on the paperwork i filed and had notarized. I was in contact with them over the next several months seeing if they were going to resend the the paperwork and what date would I have to prepare to start making payments they said i was still under hardship protection and as soon as they heard back from the VA they would re-send the paperwork then about a month ago I started getting calls from people who wanted to buy my house. I contacted the Mortgage company and they told me that I shouldn't be getting those calls because I was still in the reviewing process and because it was there error on my paperwork I wasn't in danger of foreclosure and I should prepare to resume payments on XX/XX/XXXX. Then I received a letter to accelerate the the lien on my home. Now my house is set for sale on XX/XX/XXXX. I spoke with the VA and they have no record of them even filing a partial claim on for my home or any claims at all in their system. The mortgage company is engaging in dual tracking to foreclose on my home and the VA says they have no record of them uploading any documents or filing any claim in their system.

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 2018-07-09
Company: JPMORGAN CHASE & CO.
State: CA
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 filed a complaint with XXXX XXXX XXXX on XX/XX/XXXX, Complaint ID : XXXX, among other things, for national origin discrimination. Since then, Chase Bank has retaliated against me by denying me credit ( a credit card on XX/XX/XXXX ) even though I have an excellent credit history. They also retaliated against XXXX XXXX XXXX by requesting the same information from him over and over ( a photocopy of his social security number which he promptly faxed over to them ) for his credit card  application. Mind you, other than harassment and retaliation they have no reason to ask for said information. Furthermore, they have his information readily available as he is a Chase customer for over 15 years. 
Not only they denied me credit on XX/XX/XXXX but on XX/XX/XXXX they went ahead and closed one of my other chase credit card account. 
I am alleging that Chase Bank is retaliating against me based upon my national origin complaint filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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 in XXXX of 2018 and I received the results of the investigation stating the account XXXX was deleted from my credit file confirmation # XXXX. However, I checked my credit file and I see the account was added back and I'm confused how this can be when I was never notified that the account would be added or that there was a change. It's my understanding that notifying the consumer prior to reinserting the account for whatever reason is the process.

Company response to consumer: Closed with explanation