BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I checked my Bank of America prepaid account balance through the app and seen a withdrawal saying Bank of America for {$980.00}. I called Bank of America to see what it was and was told that it was a withdrawal at a Bank of America atm at XXXX XXXX at XXXX XX/XX/XXXX. It appears someone was able to check my balance, and then withdrawal {$980.00} from their atm. However, I never lost my card!! I was home all day and left twice to get fast food and then give my brother in law a ride home. I have surveillance inside and outside of my house to show that. I filed a claim on XX/XX/ because it was too late to file one the day I found out. So I filed my claim and waited to hear back.. OnXX/XX/XXXX I received a letter in the mail dated XX/XX/ saying my claim was closed? I called the number provided to speak to someone and was told that I was liable? I don't understand how an investigation was even done when it was opened and closed in one day? It was their atm. They could easily view the atm footage. I've even asked how to get the footage myself, so that maybe if I recognized the person, I could help with the investigation. But I was told by the representative that she didn't know how to go about getting that. The paper sent also says I can request the documents that they replied on to make their decision.. and what a surprise, she didn't know how to go about that either? The only thing she said she could do is reopen the claim and note that in the email sent to the next department who handles that kind of stuff.. and she couldn't give me a timeframe to expect to hear anything back. So I'm suppose to just sit here and wait and hope that someone gets back to me. This is ridiculous!

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 monetary relief
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here 's the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-01-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past XXXX years, Chase Mortgage has made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into obtaining XXXX. Moreover, I have never received an offer from them. On the other hand, I only have XXXX inquire from Chase XXXX. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about a person 's financial history. This is abusive. Whaat steps is Chase Mortgage taking to insure their employees are not abusing their sensitive information access. 

It confuses me how you would try and tie me to an account that does not belong to me. I received a letter from Chase with a person named XXXX at point of contact. He attached a loan that does n't belong to me and provide a contact number which I have never provided.i will repeat I only have an Chase XXXX loan. Chase needs to explain to me throughly or I will have to take it a step further. 

P.S. USE THE INFORMATION I PROVIDED TO CORRECTLY IDENTIFY THE CORRECT PERSON. DO NOT INSULT MY INTELLIGENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NJ
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:
UNKNOWN PERSON APLLIED FOR CREDIT 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 2023-08-12
Company: Experian Information Solutions Inc.
State: FL
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.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 it
em 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 2023-05-03
Company: Municipal Collections of America Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Debt collector has been notified numerous times of their debt collection practices. XXXX has been neligent with conduct prohibited by the law. XXXX has used deceptive forms to collect allege obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
account number XXXXXXXX XXXX XXXX XXXX XXXX  out thru XXXX XXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. XXXX XXXXXXXX  and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX bc she handled everything with her cousin who has the business Document attached with all supporting information!

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 2023-08-12
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
they failed to execute my request to adhere to my privacy request. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

SPECIFICALLY FOR ACCOUNTS BELOW ; XXXX XXXX PAYMENT HISTORY MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Opt of sharing this information on my consumer report XXXX XXXX ACCTT NUMBER XXXX REMOVE FROM MY REPORT-Opt of sharing this information on my consumer 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 2018-12-10
Company: Carvana Group, LLC
State: NV
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 receive a copy of my credit report and I notice a hard inquiry that is fraudulent, please remove this fraudulent hard inquiry from my credit report. I have a fraud alert in my credit report, I have been a victim of identity theft in the past. I never applied for credit with Carvana, please remove your hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I contact credit Burea concerning this matter and sent in proof supporting my Concern Im Asking to update my report according to laws U.S.C1681

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 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
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:
Yesterday I learned that my Experian report said a XXXX account was unpaid. I sent them proof that it was paid but they did not correct the erroneous information on my report, just noted that I disagreed with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX/XXXX, Account Number XXXX ( Experian and 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 2018-07-27
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/XXXX I received check # XXXX in the amount of {$1400.00} intomy checking account ending in XXXX. The check is from my employer XXXX XXXX. Citibank stated the check was fraudulent saying it look altered and XXXX XXXX  ( the account check drawn off of ) said it was not a good check. I called Citibank fraud department to inform the check is valid with the controller and ceo of XXXX on the phone. I was treated rudely and issue not resolved. I went in person on XX/XX/XXXX to talk to a personal banker for assistance and to prove my check is not fraudulent. I gave the company contact information and I asked them to verify the check. They are in the process of closing all my accounts and are telling me I have to wait 30-60days to get my funds. I have a rent payment and car note payment due. I am being treated unfairly

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 2018-07-27
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a teacher trying to qualify for Public Service Loan Forgiveness. XXXX XXXX promised to me on or about XX/XX/XXXX that by participating in the graduated payment plan, which ultimately required me to pay more money per month, that I would achieve loan forgiveness no later than XX/XX/XXXX. Additionally, XXXX XXXX  placed a deferment on my loans when I did not request a deferment orally or in writing. Subsequent to that discussion, my loan servicing company, XXXX XXXX, was replaced with XXXX. Once XXXX took over the servicing obligations, I was told that XXXX XXXX gave incorrect advice and that XXXX would not honor the agreement entered into by XXXX XXXX, to wit : that by entering into the graduated payment plan, and paying more money per month than I would have otherwise, I would receive loan forgiveness by XX/XX/XXXX. 
Due to XXXX XXXX dishonesty and misleading conduct, and due to XXXX refusal to honor an agreement made regarding my loan, I have suffered the following harm : 1. I was deceived and coerced into making a higher monthly payment than I would have otherwise been required to make ; and 2. My loan forgiveness date was extended by at least 5 years, which means I am now making a higher monthly payment for a longer period of time ; and 3. I have had to seek the advice of counsel to address this issue, which has caused me to incur out of pocket expenses that but for the deceitful conduct of XXXX XXXX and XXXX, I would not have occurred. 

In short, I have made 120 payments that should have been qualifying, and I am now being told that half of my payments did not count for various reasons. Whenever I speak with XXXX customer service, they tell me that I am correct, and they do not know why I am not getting credit for most of the payments, but they are still not correcting the issue. They are now telling me that it takes up to a year to investigate these problems, when I should already have my loans cancelled in a couple of weeks. I have asked for these issues to be resolved several times a year for the past 5 years, but they have not been addressed. In fact, some of my loans are expected to take LONGER to repay, even though I have continued making on-time payments. When I sent them the above letter asking them to honor the loan forgiveness I was promised, the responded by sending me a list of my loans and their interest rates, which clearly did not address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
LVNV Funding LLC C/O Resurgent Capital Services, XXXX XXXX XXXX, XXXX SC XXXX is reporting a collection account against me on my Credit Reports for an account originally belonging to XXXX XXXX XXXX with an account number ending in XXXX. I have never opened an account with XXXX XXXX XXXX. I believe an ex used my personal info and opened an account perhaps. I have never opened an account with XXXX XXXX XXXX so I demanded proof of my owning the account. Since I never worked with them, I know that there can not be proof. Proof of ownership has not been provided, yet they still will not delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: OH
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
There were several fraudulent accounts opened under my name. The criminals used the accounts and destroyed my credit. This is completely absurd that the credit reporting agencies are still reporting fraudulent activity on my credit file. I am going to sue them for this but first decided to reach out to you to see if you can make them do their job. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
it says taht my XXXX card took a hard inquiry hit last XXXX, i didnt do this, why why would i need to i have plenty of money avail on taht card, please remove herd inquiry, wasnt me,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: E Mortgage
State: CA
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:
OK well I used my XXXX job at a XXXX XXXX called the XXXX XXXX and XXXX XXXX XXXX XXXX as a credit source to secure an apartment when I was XXXX or XXXX years old. I 'm now XXXX and the XXXX XXXX is still listed as my current position, along with XXXX XXXX XXXX XXXX which I only worked at for 3 months. Please take down that information as my employers are looking at that and wo n't hire me even though I do n't work there anymore. 

Please replace the information with my current employment histroy XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX no longer working there And XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX no longer working there. 

Please fix this as my new employer is plaining on doing a credit check this next week and I do n't want to lose my job which I just got over something that is n't true. Please remove the XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report. 

Thanks XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-02-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Huntington Bank filled a lien on my mortgage in XXXX that is an error. The bank was aware of the error and they willing and knowing have failed to release the mortgage, when the error was found in XXXX. 

I have made several contact attempts with XXXX XXXX, XXXX XXXX branch manager, who provided me proof of the error, he then contacted the proper departments ( XXXX XXXX at XXXX XXXX XXXX main office in XXXX Manager ) to resolve this and XXXX nor I have not had any luck or feedback for getting this resolved. 

At this point I am in jeopardy of losing the sale of my property due to this material fact that has clouded my abilities to settle this estate. 

I am requesting the discharge to be done immediately and submitted to XXXX XXXXXXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX Due to XXXX county is several months behind in recording and would cause further delays. 

Thank you XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Experian. One of three reporting bureaus you tell us to call is a fraud. Impossible to request a fraud alert or credit freeze. They just hang up on the caller.

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