BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-08-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In purchasing XXXX airline ticket, advertising came for AMEX Delta Skymiles as : Limited offer Earn {$400.00} statement credit after XXXX weeks after making Delta  Purchase XXXX and XXXX Bonus miles after {$2000.00} purchase with new credit card in first 3 months. 
I open account on XXXX, had Delta purchase XXXX XXXX XXXX and spend over {$2000.00} up to XXXX paid on XXXX in almost two months. 
Called couple of times for follow up, they asked me to be patient and wait as it takes time and will come on your next statement. 
After three times follow up, they informed me, I was not eligible for bonus and statement credit. This is a fraud and rip off. I filed a claim with AMEX, no respond after weeks. 
Credit cards comes with perks, If I was not eligible for any reason, they should inform me right away and most likely not issue {$8000.00} credit card. 
How issue credit card in seconds but for bonus, I am not eligible!!! 


I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CORELOGIC 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 am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX  # XXXXXXXX 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 2022-07-01
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:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Security Credit Services, LLC
State: TN
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 have mailed several letters to XXXX XXXX last letter ( XX/XX/2022 ) to verified Security Credit Services acct # XXXX XXXX reply back ( XX/XX/2022 ) Verified. 15 U.S.C 1681G I received a letter from Security Credit Services ( XX/XX/2022 ) as notice that the account was closed in there office. When I requested Debt Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of Vance and HUFFMAN , LLC contacted my family by phone and never sent me any correspondence personally to my current address on file and informed me that I owed {$300.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and Im placing a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing my family about this account for weeks, but havent reached out to me personally. I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of XXXX XXXX but I've reached out to XXXX XXXX countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.They are contacting family members and using aggressive language and verbiage they never reached out to me by mail. Im seeking debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX bought my debt from Capital One in XXXX. The total balance owed to Capital One was XXXX as of XX/XX/XXXX. That was quoted to me by email from Capital One. I then made 7 payments after that email for XXXX each. Covid happened and I was the sole provider so I was unable to pay Capital One after XX/XX/XXXX. I only owed Capital One {$560.00} when I stopped paying them. XXXX is now attempting to collect {$2200.00} from me. I contacted XXXX and informed them the balance is incorrect. This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having problems with this mortgage company since they took over my mortgage. I tried paying through their website, and had problems, they claimed it was my bank, they could not find my account, etc. Then I set up bill pay through my bank, and still had the payments post late, and BSI financial charging late fees. I had a XXXX way call with my bank, and the bank is sending the payments on time, they are not posting them in a timely manner. I called again on XXXX and the representative stated the fee of {$11.00} was nsf fee, which is not true, I had enough money in my bank to cover the payment. BSI keeps stating that the {$170.00} I owe is late fees, but this does not add up. Whatever way I try to pay them, they have an excuse for posting this late, and charging me more and more fees. 
I switched back to auto pay through their website on XXXX, so they could not say the payment is late. I know they are going to come back and state that they could not process my payment as they could not find my bank account. I know this, as they did this the last time, and when I talked to a rep, she claims it happens to a lot of their clients. This company is run very haphazardly, and needs someone to step in and regulate or fine them, as they are stealing people 's money by using predatory tactics to obtain extra fees. 
I have been on hold now for almost XXXX minutes, waiting to speak to a supervisor, as no one seems to know how to assist me with all the nonsense fees they keep adding to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a startup business and work off minimal funds for now and dependent on the ability to access deposits so I can pay my help, Chase Bank has done this three different times resulting in my employees looking for other employment., now it is Friday and the rest of my people are ready to walk out the door cause Chase has placed a 7 day hold on my check, I contacted the person whom wrote the check to me and they confirmed they received a call and verified the funds but still have a hold on it. I will have to shut my doors on my start up business due to non-payment to my employees thanks to Chase Bank! 
I have read the reviews and it appears I am not alone in my frustration and in my personal opinion they should not be allowed to practice banking and messing with people 's lively hood, today is the 1st and I can't pay my guys... I only hope they don't get evicted! 
Thank you, Chase, you're the BEST!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days I request these items be removed, if not I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: MOHELA
State: TX
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:
I consolidated my student loans with MOHELA on XX/XX/2022. They paid XXXX XXXXXXXX and received my student loans on XX/XX/2022. XXXX, which completes the consolidation application for student loans for them, indicated that the consolidation was complete and transferred to MOHELA. I should have unlimited access to my account online by XX/XX/2022. 

I have tried multiple times to access my online account with no success. I have called MOHELA, only to hold on the phone for over 2 hours to get to a customer service representative who tells me that she can not access my account and they have no further information. 

I moved on XX/XX/2022, and I contacted MOHELA to update my contact information to receive future correspondence. I spoke with a supervisor after the customer service representative told me she could not update my address. She told me that she did not have access to update my address. So, I asked her if a supervisor could not update the address, then who could? 

I have been in the Public Loan Service Forgiveness Program for over ten years. I have made a total of 121 payments. The only reason I consolidated my student loans was to add my parent plus loans to my application for forgiveness. MOHELA is holding my student loans " XXXX '' to prevent many other borrowers and me from applying and receiving forgiveness. There are multiple complaints on social media sites against MOHELA about the tactics they are implementing to prevent borrowers from meeting that XX/XX/2022 deadline to receive the full benefits of the " waiver program. '' If I can not access my account, I can not upload my Employment Certification Forms which are critical in applying for Student Loan Forgiveness. As of XXXX minutes ago, the site is still indicating that I should have access on XX/XX/2022. Today is XX/XX/2022, so please make this make sense to me. She attachment of what I am seeing on their website below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: VA
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:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX original creditor XXXX communication ) ( XXXX XXXX XXXX ) original XXXX XXXX XXXX ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CIG FINANCIAL LLC
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. I hope this disputed account is removed. 



CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-12-02
Company: BlockFi Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I lent {$200000.00} to an investment company called Blockfi Inc. It has a private client program, a premium service where the investors have individual contracts. Unfortunately, just a few days after I delivered the {$200000.00} funds, Blockfi has become unresponsive and defaulted my contract already incurring additional penalties. They are unresponsive to my request just to transfer my funds to the Wallet account. 

How can we file a lawsuit against Blockfi given the bankruptcy proceedings? 
My legal demands below remained unresolved. 

=========================== Re : Blockfi Private Client Terms of Contract XXXX ( Client : XXXX XXXX XXXX ) According to Section XVIII. Term and Termination : The term of the contract Agreement shall terminate ( i ) as set forth in Section VIII or ( ii ) upon 10 days written notice ( email sufficient ) by either party to the other party ( the Term ). 

The client made multiple requests 3 weeks ago in written forms to transfer his {$200000.00} USD funds from the Private Client to the Wallet according to contract XXXX. The first written request was made on XX/XX/XXXX, XXXX XXXX  XXXX, followed by XX/XX/XXXX, XXXX XXXX  XXXX, etc. 

According to Section VIII. Default of contract, Blockfi 's failure to respond to the lender 's multiple requests to transfer the funds to his Wallet Account continued unremedied for the period of five ( 5 ) Business Days incurred an Event of Default, with the penalty of 1 % per month remaining on contract.

Client 's funds should have been in the Wallet by now. I repeat this demand. 
The contract is attached for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: BARCLAYS BANK DELAWARE
State: NY
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:
This is my third and final attempt to resolve this situation. On XX/XX/XXXX or XXXX of 2021 I was fraudulently charged an amount of XXXX by XXXX for a ticket purchase I didn't make. I have tried to get this charge removed without any resolution from my credit card company Barclays. This matter has been repeatedly closed with an unfavorable decision to me despite the facts that there is no evidence of a purchase by me. I have re-attached the letter sent to me by XXXX XXXX XXXX proving I nor any number associated with my account ever downloaded any application or tickets for purchase during the time in question from this vendor or any third party associated vendor. I ask that my case is reviewed by an independent auditor, aka someone other than XXXX XXXX of Barclays as she has no grasp of the situation and is bias to review the actual facts related to this transaction, as there is no way a competent unbias person in her position would possibly rule against me with the evidence at hand.

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