BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT MANAGEMENT Last reported XX/XX/XXXX {$270.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( 3 yrs, 6 mos ) I have filed multiple dispute letters and have tried all means to get this XXXX cable bill off my credit it is reporting on XXXX  only. I am a victim of identity theft i sent this company the letter i received from the social security office as well as from the U.S Marshals. I have been XXXX  since early XXXX. There is no way this belongs to me. I've tried to communicate with them but they fail to respond. I was released XX/XX/XXXX of XXXX. This is debilitating my chance to progress. I need help i do not know what else to do? I've sent 5 letters from XXXX with the dates i was XXXX  and they just ignore my letters. All my letters have been notarized and sent priority mail from inside of XXXX. They're reporting this account and another one which i will file a complaint with as well. I included a fraud letter and the letters from the U.S marshal 's and to no avail. Thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: TN
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:
MY INFORMATION WAS USED IN A DATA BREACH ACCOUNTS WAS OPENED IN MY NAME WITHOUT ME KNOWING.

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 2021-05-29
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
NAVY FEDERAL FORCED ME INTO DEBT.IN XX/XX/2021 I RECEIVED AN EMAIL STATING THAT IN XXXX A {$510.00} CREDIT WILL BE DEDUCTED FROM MY ACCOUNT.A CREDIT THAT I WAS NOT NOTIFIED OF, CONSENTED TO OR WANTED.WHEN I ASKED WHY DID THEY PROVIDE THE UNSOLICITED CREDIT, THEY STATED IT WAS FOR MY OVERDRAWN ACCOUNT, ALLOWING ME TO FULLY ENJOY MY STIMULUS,.. .BUT ; IT WAS DEPOSITED " AFTER I RECEIVED MY STIMULUS CHECK '' CONCEALED.I AM XXXX AND I CAN NOT AFFORD THIS.NAVY FEDERAL ALSO HAS ME BLOCKED FROM PHONE AND LOCATION ACCESS MAKING THIS ALMOST IMPOSSIBLE TO RESOLVE!! THE GLOBAL PANDEMIC AND MY HEALTH IS WELL KNOW BY NF.THESE ACTIONS FIT THE DEFINITION OF PREDATORY LENDING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: JPMORGAN CHASE & CO.
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CHASE IS CHARGING ME {$100.00} FOR AN AMAZON PURCHASE FOR ABOUT {$33.00} THAT THEY CLAIM I MADE A COUPLE OF MONTHS AGO ... ... THIS IS A LIE, I ONLY USE GIFT CARDS ON AMAZON ... ... ... ..HEN I GOT THIS SURPRISE STATEMENT A COUPLE OF EEKS AGO THE CHARGE ABOUT {$60.00} ... ... ... ... ..CALLED THEM, DISPUTED THE CHARGE AND THOUGHT IT SETTLED BUT NO GET {$100.00} IN MAIL TODAY ... ... ... ... ... XXXX.THIS IS OUTRAGEOUS ... ... ... ... .NO LONGER TRUST THEM ON THE PHONE AND CAN NOT CONTACT THEM THRU INTERNET ... ... ... ... ... ... .I AM A XXXX ON SMALL INCOME ... ... ... .NEVER HAD CREDIT CARD DEBT. THEY ARE SCAMMING ME ... ... ... ... ... ... ..THINK THEY SAID ORGINAL {$33.00} PURCHASE AS IN XXXX AT AMAZON, NOT BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Genesis FS Card Services, Inc.
State: NY
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:
CB INDIGO Card Services, XXXX, XXXX and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From various numbers over the last week I have been contacted by several numbers from Midland Credit Management, this is for a debt owned by my spouse prior to our marriage. 

They have previously made false and conflicting statements over the phone, and took adverse action against my separate property a move they had to be forced to reverse. 

My spouse, was never properly served or given notice about this judgement until last year. 

We are willing in good faith to negotiate a settlement based off the original principal, however we are not willing to entertain the interest given their history of false representation and violating California law by taking action against separate and protected property. However, their history of false representation makes it difficult to take this company at their word. 

This is our third claim against Midland, please see, XXXX XXXX XX/XX/2019 XXXX and XXXX ( XX/XX/2019 ). I had to file the second complaint to get them to agree to follow the resolution of the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX {$430.00} XXXX/XXXX  XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted Capital One previously and again on XX/XX/2020. I was instructed by XXXX  to ask Capital One to submit a request to XXXX  to have 2 separate credit card accounts for which I am an authorized user, added back to my credit report. The supervisor at Capital One stated that he did not work for XXXX  and that they don't send requests. He also stated that XXXX needed to add the accounts back to my credit report themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I applied for a modification but was denied. The reason given by the lender was my income was insufficient. After I recovered from my hardship I applied for a modification in XXXX. I was denied. I received a letter from my lender saying that because I can afford to make my current payments they won't modify my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: ADF Automotives LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Purchased a vehicle in XXXX from ADF Automotives out of XXXX, Ms . Had major problems with the purchase later to find out the vehicle was salvage and this was the reason for the persistant problems. Have all proof and documentation on this behalf as it was left in the vehicle. I took the car to be fixed 5 or more times within a year. They kept my vehicle a full month at one time. I am and was a very loyal customer paying ALL payments on time every time. Never missed one til this day. I paid almost 10K on the car before I traded it in. Had to go through a lot of drama just to get a trade in as they gave me a run around after complaining numerous times even though their contract states you can trade after so many months of service. After letting the company know of further action about to be taken they insisted on fixing the problem and me getting another vehicle. I purchased a new one with the company. The company sold the salvage car a week later. And failed to put the XXXX  to my new account. Basically making me start completely over having no trade in. They also just got away free with XXXX which is a lot of money. I found out this was illegal through proper services explained. Two weeks later I received a clear and free title for my new car purchased. The company failed to put a lien on it from the new agreement and signed the car over completely to me. This then became a problem as I was threatened and told something could be done " By the push of a button ''. I never signed a new contract with them to get the lien and they got one anyways. I then  got a heads up through an attorney that XX/XX/XXXX my name was forged to get the signature if i did not re sign paperwork after the contract was broken. Now I am having ANOTHER problem as I have had the newer vehicle from them for 8 months now. Paying thousands of more dollars to find out that my balance has never went down and is higher than when I originally started the loan. These people are scamming me out of thousands and thousands of dollars. I have almost paid $ 13000- {$15000.00} and have gotten no where. I am looking into legal help as I do not want anyone else to go through this torture it's sickening and they know exactly what their doing. They are a complete rip off. I have all documention from pictures. Payment receipts. And all documentation I need to prove I am indeed being messed over. I have tried to have an understanding with the company and the owners but they do not take it seriously and are doing nothing to fix the problem. The owners wife XXXX re did my account. The husband ignored me. On top of every month being harrassed on behalf of insurance they say I never have and I do faithfully every time. I need someone to look into this company as I have others willing to sign a petition on behalf of being scammed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: CT
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 joined the United States Military in XXXX shortly after that I wanted to start establishing credit. When applying for a loan in XXXX equifax stated they could not find me in the system when using my info. XXXX XXXX XXXX XXXX tried to help me get through to equifax but with no success. XX/XX/XXXX I went to apply for a home loan but equifax did not show up on report. XXXX and XXXX both gave me scores regarding my credit. I have sent in the required documentation over six times they always state they do not receive my paperwork so I sent it certified, they write back letter asking for the same documentation we sent in and stating they can not find me in the system. I have reached out by phone to equifax and get home up on several times or they say I need to send in the documentation. I am unable to build my credit if my equifax score acts like its frozen but they can not find me in their system based on my info/social security info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX {$430.00} XXXX/XXXX XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have been trying to correct my incorrect credit score with XXXX and TRANSUNION since XX/XX/2020. I have sent 2 certified letters, made countless phone calls taking hours, and did not achieve a correction. I also hired an attorney, who also could not achieve a correction. 

Here is the issue ; I have 3 score factors " helping '' and 2 score factors " hurting '' my credit score on BOTH XXXX AND TRANSUNION. On XXXX, I have 4 score factors " helping '' and XXXX score factors " hurting. '' THIS NOTATION IN XXXX IS CORRECT. 

NOW : when I reach out to TRANSUNION AND XXXX  to rectify this wrong, all they keep doing is send me my credit report, and claim that it is correct as it stands. THE ISSUE IS, I AGREE THE CREDIT REPORT IS CORRECT AS IT STANDS. BUT, THE 2 FACTORS HURTING MY SCORE ARE " SERIOUS DELINQUENCY OR DEROGATORY INDICATOR '' AND " FEW ACCOUNTS IN GOOD STANDING. '' SO WHEN I GO TO MY REPORT TO FIND A DELINQUENCY OR DEROGATORY INDICATOR, THERE ARE NONE AT ALL! THIS IS WHY I AGREE WITH THEIR FINDINGS, MY REPORT HAS ABSOLUTELY NO DELINQUENCY AND NO DEROGATORY MARKER AND ALL MY ACCOUNTS ARE IN GOOD STANDING. BOTH XXXX XXXX AND TRANSUNION 'S CREDIT REPORTS REFLECT THIS ACCURATELY, BUT WHEN I LOG IN TO MY PAGE, THEY ARE STILL NOTING " 2 SCORE FACTORS THAT ARE HURTING MY SCORE. '' YET, THEY CAN NOT PROVE THIS ANYWHERE. HENCE, MY XXXX  CREDIT SCORE IS XXXX, AND TRANSUNION IS XXXX. For reference, XXXX  which got it ALL CORRECT awards me with a score of XXXX. I feel my scores from XXXX at XXXX and TRANSUNION at XXXX ARE INCORRECT. I NEED MY SCORES CORRECTED AND MY 2 " HURTING '' SCORE FACTORS REMOVED, AS THEY DO NOT EXIST. Again, my credit report is CORRECT from all 3 credit bureaus, but XXXX XXXX and TRANSUNION 'S score factors and scores are INCORRECT, as they do not reflect EXCELLENT CREDIT HISTORY EVEN THOUGH MY CREDIT REPORTS ACCURATELY REFLECT EXCELLENT CREDIT HISTORY. 

Please forgive my accentuation with the caps. I have gone through months and countless hours trying to get through to someone, and no one gets it on the end of the credit bureau. THIS IS AFFECTING MY LIFE in getting car loans and applying for a pre-approval for a mortgage to potentially purchase a home. It is not right when my score is incorrectly reflecting poorly on my EXCELLENT HISTORY. 

Thank you endlessly for any and all consideration.

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 2020-07-02
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XXXX of last year Ive been trying to get duplicate debts removed from my account. Ive had to wait but recently I paid of one debt and it still appears on my report and thats through IC System. I have also initiated a payment plan through XXXX XXXX. I noticed that since my debt was sold it is being reported twice and this in turn has shown discrepancies on my credit report. I am asking that this debt collectors reporting validate that they are collecting on the debt and if the debt has been sold for them to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Chase account is frozen and Chase will not close my account until I visit the branch. I do not want to visit the branch because of the ongoing pandemic. I have {$5000.00} and they are holding it XXXX. Please have them close my account and mail my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been submitting complete packet after packet and they keep denying me. I had XXXX XXXX in XXXX and had it removed. This is my only home we have 3 more years until my my last XXXX children graduate from high school we work all the time and just want to pay our mortgage. In XXXX we were unfairly targeted by a new IRS Agent who had our taxes that were filed by an enrolled agent we just didn't make enough money with XXXX young kids that were only 16 months apart. She put an Levy of {$180000.00} on all 4 of our jobs, bank account we could not even buy food. We were forced to file bankruptcy to get the amount fixed. Our income that year was only {$40000.00} for a family of XXXX. 

As of the past two months my income has increased by a goo amount since the last modification packet in XXXX that I was denied. I just got off the phone with SPS and she said they can not look at another packet for me because the Sale date is in a week told me to file BK or sue. I have done over 28 modification myself and spend countless hours this is not helping my health and they would rather fight us in eviction court than allow me to try to become current in the coming years. It will cost the bank more to remove us as I have NO where to move my family and dogs and have another XXXX on XX/XX/XXXX to remove XXXXXXXX XXXX and my XXXX. XXXX XXXX wants to kick families out and put the cost on all the consumers instead of trying to help people willing to pay for their homes. Select Portfolio is the worst company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chex Systems has reported inaccurate information on my consumer report id number XXXX. Chex Systems also has Americans information at call centers out of America which is a violation of the Patriotic Act. Chex Systems has violated the Federal Fair Credit Reporting Act by committing Financial Deformation and providing adverse, inaccurate 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 2020-07-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account was disputed, unverified and REMOVED repeatedly yet it keeps coming back on my reports. This is illegal and I want this removed. XXXX XXXX {$800.00} Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX Removed XX/XX/XXXX. XXXX  Removed XX/XX/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 2020-11-13
Company: ALLY FINANCIAL INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ally Financial has reported a " remark '' and incorrectly reported a balance increase, for my auto loan, which was completely unwarranted, as I have NEVER been late on a payment since the loan was taken out almost 2 years ago. This has caused my credit score to drop tremendously. I have called several times and have been given reference numbers, but that's about it. My credit score is not where it should be because of these obvious errors.

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 2020-02-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Contacted Navient requesting a Final Loan Disclosure or Regulation Z Disclosure Though email and phone with no response to request Request confirmation XXXX email Sunday XXXX no response XXXX phone- XXXX XXXX no information/response put in inbox with in 24 hours as stated by customer service XXXX email- XX/XX/XXXX - email request- no response XXXX XX/XX/XXXX - just requested information again.

Company response to consumer: Closed with explanation