BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2018-11-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have my student loans with Navient. I was to submit a new application for IBR. I spoke to them on the telephone and explained that I was uncertain what to do in terms of asking for a forbearance or IBR. I was told my current application did not expire for a couple months and I had time. I submitted my IBR application and noticed today that my credit score went down 32 points due to Navient. When I called, they said I missed the application dead line by 4 days and was charged interest fees due to missing the deadline. I was NEVER told this was a possibility and I have been using them for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: GA
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 Inquiry dated XX/XX/2020 and XXXX XXXX dated XX/XX/2020 should not be reporting on my consumer credit report after 2 years according the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) and auto loan from XXXX XXXX failed to follow persuite with inaccuracies on my credit report that I disputed..I manage to get the 2 off my XXXX   and also XXXX XXXX  is off my XXXX and XXXX XXXX  failing to take it off XXXX  and XXXX   after disputing from the other credit companies that I have screenshots of the companies credit report deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft back in XX/XX/XXXX, and  someone opened a XXXX XXXX XXXX XXXX XXXX  Account in my name fraudulently. I have disputed this account with Equifax numerous of times and they still have not blocked/removed this account from my credit report. They did one time inXX/XX/XXXX but reappeared back on my Equifax credit file in XX/XX/XXXX. I am very upset because Equifax is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, XXXX XXXX XXXX XXXX XXXX keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with Equifax because they are not taking this matter serious, and it is affecting my credit score rating with Equifax, which is hindering me from obtain credit with favorable interest rate. Please have Equifax to remove/block the XXXX XXXX XXXX XXXX XXXX (  Charged-Off ) account ending in XXXX from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Funding violated the FDCPA a several ways.. 
1 ) On XX/XX/2018, XX/XX/2018, XX/XX/2018 I contacted Midland about me disputing this account. Each time afterwards I received back to back calls from them. 30 minutes apart for 5 hrs. 
2 ) On XX/XX/2018 Mr XXXX from Midland yelled at me, threatened to sue me, told me I was a liar. 
3 ) On XX/XX/2018 Midland called and when my boyfriend answered they gave out personal information on the collection account. 
4 ) Midland will not provide verification of debt after it has been requested 5 times. But Midlands XXXX (? Think given flake name ) verified they had received the request from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had a fraud issue on my business checking account. In XX/XX/2022 I wrote a check from PNC Bank of amount {$1000.00} to pay car loan, but this check was stolen, altered to another name for {$4000.00} and withdrawal by somebody from my checking account. I contacted to PNC Bank, reported a Fraud. They sent me a letter dated XXXX XXXX! with time frame regarding the proofs, but I received a letter XXXX XXXX! I send all proofs by XXXX. Finally I received a letter from them dated XXXX that said they denied my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter on XX/XX/2021 from American Coradius International LLC stating that I owed XXXX XXXX a debt of {$1200.00}. I have never made a purchase of this amount using XXXX and I need this to be disputed. I do not have a XXXX account and I have never made one before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I refinanced my federal loans for XXXX school through college student loans/Navient. It was my understanding that my loans are still tax deductible but Navient refuses to provide the needed tax forms. They state my account in ineligible. In order for them to review they are sending me a form, which will take 24 hours as they are unable to send emails out directly. I then need to complete the form and mail it back. All the form says is my name and address and that I am disputing their belief that my loan is not tax deductible. They will then review and respond and will try to expedite it. There are no direct phone numbers, they say their team doesn't take them. It felt as if they were trained to avoid any work/progress on this. Are they trying to increase tax liability? Decrease their expenses? Poor customer service at a minimum, shady and illegal potentially?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Chase bank for XXXX card charged me late fees due to me not paying them before XXXX. I never had a problem paying them via over the phone with their automative phone service. They just recently started charging me late fees. I told them that I am on XXXX time. They told me they did n't care and charged me anyway. They went up on my interest rate every month except for XXXX and XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX and after a couple/few months, my mortgage was sold to Lakeview Loan Servicing. In XX/XX/XXXX, I mailed my mortgage payment ( a check in the amount of {$1000.00} ).  Nearing the end of the month, the check had not been cashed and the mortgage company claimed they never received it. I then had XXXX XXXX XXXX  complete a " stop payment '' on the missing check, and I proceeded to make ANOTHER payment, online. On XX/XX/XXXX, {$1000.00} was taken from my bank account to pay my XXXX mortgage payment.. Fast-forward to XX/XX/XXXX, I received a letter stating that my XXXX check, in the amount of {$1000.00} was returned as " no sufficient funds. '' I called my mortgage and explained to them that I put a " stop payment '' on the account, because the check was missing and if I made another payment and the check re-surfaced, the check would bounce. I spoke to my mortgage company SEVERAL times in the month of XXXX and was told that the issue had been resolved, and my next mortgage payment would be due on XXXX. On XX/XX/XXXX, I made my XXXX mortgage payment online ( the funds came out of my account on the XXXX ). Starting XX/XX/XXXX, I began receiving robo-calls from Lakeview. I returned their call and was told that it was a courtesy reminder for my XXXX loan payment. I explained that I paid my mortgage, and that the funds came out of my account on the XXXX. Lakeview then tried to tell me that on the XXXX, there was a " reversal '' for " insufficient funds. '' I informed them that that was an ERROR, because the money came out of my account ( there was still money in my account ) and NEVER went back in. On XX/XX/XXXX, I contacted XXXX XXXX XXXX for proof ( statement with tracking number ) of my XX/XX/XXXX payment - this informed was sent to the mortgage company. On XX/XX/XXXX, I received an email from Lakeview stating that indeed, they did receive my XXXX payment, however, they used the payment to pay my " missed '' payment in XX/XX/XXXX .... As of XX/XX/XXXX, I am having to provide proof AGAIN, that my mortgage payment for XX/XX/XXXX was indeed made.

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 2023-10-13
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I asked U.S auto sales at the time about bringing the vehicle back because of the concerns I have with the gps going off randomly or the day of my payment they hit the " kill switch '' and I'm unable to get my wife to the doctor or just me going to work they said they'll take the vehicle with open arms back but I'll be responsible for the remainder, I asked why on multiple occasions if there is a defect that you guys installed that causes issues, I never get an answer always at that question the phone hangs up this dates back to 1 year from this month and always the same response! I would love to get from under them but it seems to be a nightmare of a financial trap!! Multiple videos of thos in my phone if proof is what your looking for!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have reported fraudulent, unauthorized international and local charges made to my credit card, however, it has been over four months and the charges still remain on my account and are incurring interest charges daily. Although the credit card company ; XXXX XXXX XXXX has issued me a new card, the charges still remain on my account. I've sent them an email, I have spoken to customer service several times but nothing is being done to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2017, we moved into XXXX XXXX XXXX, soon after we moved in we had AC leak that left our hallway and rooms saturated with water. We notified the apartment complex several times in writing letting them know that we needed someone to come out and fix this problem. We let them know several times that no one came out to fix this problem and that we started to notice a smell. The complex sent out a maintenance man to PAINT over the growing mold in the walls and floorboards and placed a blower in our hallway. XXXXXXXX XXXX failed to properly remediate black mold in our carpets and walls, causing our family to get sick. One of our children got so sick the XXXX XXXX XXXX  had to put him to sleep and perform a XXXXXXXX XXXX  on him at XXXX years old. We had to move due to unlivable living conditions. We had to hire an attorney to help us through this horrible time. Now 3 years later XXXXXXXX XXXX  placed a collection for {$1800.00} towards the last month 's rent for a place that was deemed unsafe to live in. This collection should not be on our credit and now in turn is negatively impacting our credit and preventing us from being able to find a place to live. I have called and left messages to this company on 3 separate occasions in the past 2 weeks and have had no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I'm writing to dispute the unauthorized rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is considered determine to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had my tax refund prepared and sent to a routing number associated with my Cash app account. My taxes were prepared XX/XX/2022. The IRS released my refund and sent it to the routing and checking number associated with my Cash app account XX/XX/2022. I spent three months trying to recover my Cash app account because I have been refused access to the Cash app account I created. Cash support hasn't been able to allow me access to this account for security purposes. I have all identifying ( I9 ) documents on hand to prove that I indeed am the rightful owner of said Cash app account, also in relationship to payroll and IRS documents that will coincide. The IRS sent a deposit of {$3600.00} on XX/XX/2022. 
Also two payroll deposits ( {$700.00} and {$100.00} ) were also deposited within that time frame where I had been denied access to my Cash app account. An estimated total of {$4400.00} is owe to me and acknowledged my Cash app customer service on XX/XX/2022, however I am with no avail granted access to my Cash app account to recover my funds. Today XX/XX/2022 I am writing asking for support in this matter, advice, and other cases of action to finally resolve and correct the fact that I am not being granted the funds earned and due to me. I can be reached here or vial email @ XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2023.

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 2023-12-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation