BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Fair collections & Out. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-08-13
Company: Experian Information Solutions 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 refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and  there is nothing I can do about 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 2018-11-30
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and there is nothing I can do about 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 2022-08-24
Company: CAINE & WEINER COMPANY, INC.
State: TX
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:
In Accordance with the fair credit reporting act XXXX  account numbers XXXXXXXX Caine & weiner {$250.00} XXXX XXXX XXXX XXXX {$540.00} XXXXXXXX  U.S. Department of education XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$500.00} 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Their investigation did not fix an error on your report

Complaint:
I sent Equifax a copy of a report from XXXX noting my second credit card. Limit credit amount of ( XXXX ) {$10000.00}. .They did not include this information on my credit report from them. They sent me a credit report that I did not ask for, they circumvented my request. This must be including in my report to be fair.This letter was sent via US Certified letter, both included in this complaint. Please review the information that is uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account number was stolen from the mail. only after several months was it used to withdraw money from my account without my authorization. Ultimately several XXXX dollars was removed. all for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe this is one person, police concurr. Chase will give me NO information as to the specific places my money went. 

on XXXX XXXX, I reported this to Chase bank and went over all bogus charges. My account, now closed, was XXXX. 

Chase bank refuses to help recover my money despite repeated attempts, even skipping two charges in their report back to me. Even worse, without MY PERMISSION they stopped sending me paper statements. I am XXXX years old, have XXXX XXXX XXXX XXXX  and have difficulty using the computer and phone for extended periods. 
My ach withdrawals require a lot of paperwork or a statement signed by a bank officer. I never authorized these charges below in attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-04
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Re : Account XXXX : XXXX I would like to make arrangements to settle the above referenced matter. Please provide me with your statement of the amount owing as of XX/XX/2022 together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
Each financial institution has an obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. NelNet reporting information on me to any consumer reporting agency and transferring my nonpublic information without my consent is a breach of this privacy obligation policy. Because no consent was made, this is a form of fraud/identity theft. NelNet has failed to protect my nonpublic personal information which has resulted in substantial harm to my creditworthiness, credit standing, my general reputation of consumer and has inconvenience me with moving forward with my life. NelNet shall promptly notify all consumer reporting agencies of the inaccurate information and provide to the consumer reporting agencies any corrections to that information which should report all late payments from LATE as PAID AS AGEED. 
I am also aware that NOTHING under the Fair Credit Reporting Act requires a financial institution to furnish negative information. I am also aware that an original instrument should have provided to me which I have yet to receive. If NelNet did in fact, send me my original instrument of indebtedness in its original form, please provide those documents as well. 
Per the Freedom of Information Act, NelNet has 15 days to respond. If any of the above information I requested can not be proven or NelNet is unwilling to provide this information, this account must be UPDATED on my consumer report from LATE and PAID AS AGREED immediately to prevent further harm to me and my financial reputation. 
It is my belief that NelNet is engaging in unlawful extortionate means to collect on extensions of credit. Reporting inaccurate information on me without my consent and demanding I pay an alleged debt is a form of extortion. What lawful authority do you have to violate my right knowingly and willingly to privacy with forethought and malice?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Investigation took more than 30 days

Complaint:
I am a living person. I am reaching out once again about the prior complaint submitted by me XXXX XXXX. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of any information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
For business purpose, I sent a tranfer from my XXXX  bussines account to XXXX XXXX 's Bank of America account on XX/XX/XXXX XXXX. The wire tranfers was received in Banck of America but it did go through to XXXX 's Account, it is on pending status in Bank Of America. I have been waiting for two months for this issuse to be resolved. The amount is {$12000.00}. I have called many times and they just said it's in pending status. The wire tranfer was canceled ending XXXX, and Bank of America has not sent my money back. This is urgent for my because its my money, I need to pay my bills and it is ilegal to appropriate others money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I attended XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. XXXX XXXX XXXX closed in XX/XX/XXXX. Any student who wanted to further their education wasn't able to due to colleges not accepting credits from this school. XXXX XXXX XXXX was involved in a lawsuit similar to XXXX and other technical school. In XXXX, XXXX XXXX XXXX reached a settlement with Attorney General XXXX XXXX for {$200000.00}. This followed a 2-year investigation into the school 's practices and communications related to student loans, job placement and the ability to transfer credits. The students who attended this school are still struggling to pay their student loans despite the settlement. The students were left with high cost loans, no help with job placement and no credit transfers. Students who attended XXXX XXXX XXXX deserve the same relief as students who attended XXXX and the University XXXX  XXXX. 

Navient has been misleading. Everytime I've not been able to make a payment a deferment was placed on my account without my permission. My income driven payments were not income driven. I always had to pay the same amount whether I was on the program or not. Due to their negligence in reporting my delinquencies, I was not able to get my loans forgiven. Navient has not been able to help me lower my monthly payments and do not consider other factors that may contribute to you needing to do so. Instead, their suggestions would make it more difficult for borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CURO Intermediate Holdings
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: Account status incorrect

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX  XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: AZ
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 notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$880.00} ; XXXX CARD XXXX Balance Owed : {$4300.00} ; XXXX XXXX Balance Owed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am growing tired of receiving late notices and interest charges regarding fees assessed from Capital One Banks illegal handling of accepting charges against our company account. Attachments A through E display my case and I will outline each : Attachment A shows our account for XXXX XXXX ( # XXXX ) dated XX/XX/2018  to XX/XX/2018 for fraudulent charges to his credit card from a XXXX XXXX. Attachment C is a letter from Capital One ( dated XX/XX/2018 ) that shows the resolution of these fraudulent charges, the deactivation of card ending with # XXXX and the refund owed to our account. 

Attachment B shows our account for XXXX XXXX ( # XXXX ) dated XX/XX/2018 to XX/XX/2018 and clearly demonstrates the card for XXXX XXXX was changed. I will add that, via telephone, I requested XXXX XXXX card should have not been renewed but cancelled under his name since he was no longer in management with our company. Also during that call, I requested to close our entire account ( cards # XXXX and # XXXX XXXX since you will note that NO charges were made on any card since XX/XX/XXXX. 

You will also note on attachment B, his old card number and the last fraudulent charge to that cancelled card. Attachment D letter confirms resolution to the fraud. 

Attachment E clearly displays the error of Capital One by allowing annual charges against XXXX XXXX account even though the three charges, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were against card # XXXX since we DID NOT notify XXXX or XXXX of his replacement card. In fact, we wanted to cancel these charges since these accounts no longer applied to his responsibility or use. 

I have attached all documentation and my letter of XX/XX/2018 to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a 30 day late payment report on XXXX XXXX.I setup and automatic payment and they make a mistake and never charge my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : RMP SRVC LLC ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name : XXXX XXXX Ph # XXXX email : XXXX Name on Account : XXXX XXXX XXXX XXXX XXXX Citibank XXXX NY Branch Date promotional deposit of {$100000.00} made : XX/XX/XXXX I made a deposit of {$100000.00} into my above Citibank on XX/XX/XXXX under the Citibank promotional deposit scheme that {$1500.00} will be credited into my account after XXXX months and if money remains in the account for 6 months. 
The money has remained in the account for over 1 year ( actually money balance is still {$100000.00} in the account as of date XX/XX/XXXX ), but Citibank refuses to honor their commitment to credit me with the promotional amount of {$1500.00} into my account. 

I have contacted XXXX XXXX XXXX, XXXX Citibank XXXX, NY Branch repeatedly for over 9 months now, but she refuses to credit the {$1500.00} promotional fee amount. She keeps saying " matter is escalated '' for last 6 months ( after initial complaint ) now, and I feel that this is going beyond normal and routine delay. 

Please help me get the {$1500.00} promotional fee that they advertised they will pay, and ask them to honor their commitment, after keeping my {$100000.00} for over one year now. 
Thank you.

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