BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My social security number has been comprimised and I am receiving debt collection calls regarding XXXX XXXX Unpaid bills. I mentioned to the the debt collector that it is fraud. They insured me that they flagged it as fraud. I recently received my credit report and it shows as uncollected. I never lived or have any knowledge of the address of service. Its located in a different state that I never visit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MS
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 the following accounts are violating my federally protected rights to privacy and confidentiality. Also, the FCRA clearly states everything on my credit report must be 100 % accurate, after viewing my report these accounts also have multiple inaccuracies. 

1. ) XXXX  - ACCOUNT # XXXX, ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 2. ) XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 3. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 4. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 5. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 6. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 7. ) XXXX REV - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 8. ) UNKNOWN - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States my right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) : states a person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/XXXX, a settlement agreement was reached in the amount of {$5700.00}. The final payment for this agreement was made on XX/XX/XXXX. Starting in XXXX I started receiving phone about late payments-3 total when I returned the call they said it was in the hands of the attorneys and they couldnt talk to me but did say that my account wasnt settled and still had a large balance. The credit repair company attempted to get a statement to show account paid in full but they never responded and then XX/XX/XXXX they reported it as unpaid account to credit bureaus

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 2022-12-01
Company: Experian Information Solutions Inc.
State: OH
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:
On or about XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX while looking to be prequalified for a vehicle. I was not advised of any hard inquiry to my credit file. I was informed I was not qualified after about a week later. I was advised they could not assist with the purchase of any vehicle. 

I did not give permission or authorization for XXXX XXXX XXXX XXXX to send my information to several lenders. This was to be a prequalification only. 
I have attempted several times to dispute this matter with Experian Credit Bureau As I am reviewing my credit file with XXXX Credit Bureau. I have hard Inquiries from : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX These 5 hard inquiries are not warranted as I did not provide permission verbally or written to reach out to these partners or XXXX  XXXX XXXX XXXX XXXX 

I reached out to Experian Credit Bureau XX/XX/XXXX and spoke with operator XXXX. 
The operator advised that there was nothing she could do to remove the fraudulent inquiries off of the credit file. I advised I would reach out to your organization and file a complaint. I was told this was my best option as XXXX rejected my request for removal.

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 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I called Bank of America back in XXXX 2023, to report I received a bank card that was issued to me the problem was it wasnt my address and I didnt open the account. I explained this to them and their fraud department, they claimed the account was open online and based on the transactions it was definitely opened fraudulently. Today XX/XX/2023, I was given another piece of mail containing a bank statement from Bank of America again my name but wrong address. I called again. I was told there is a case open and its under investigation but they REFUSE to close the account until I provide them with a copy of my ID as well as other personal information such as my social security number, address, etc All the transactions were made out of state and most through an app called XXXX. I dont know how they could open an account online without an ID but wont close it unless I provide them with my personal information ( which if it was an actual account they would already have it ). When I asked to speak to a supervisor at Bank of America I was denied! I have spoke to BOA and there fraud department and I cant seem to get anywhere without giving them personal info. I have no credit cards, loans with them or bank accounts. I just want the account closed its affecting my life!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Well, I 'm on a joint account with my brother with XXXX XXXX. My other issue is my payment on my XXXX was lowered. But, I 'm the only working in my household for the past year and XXXX. Now I 've been laid off. The Capital One Card was stolen last year. The people who stole the card along with money at a XXXX XXXX, jump up the difficulty to pay the card off. I 'd like to get better credit, but I 'm not clear as to if I 'm paying for all the money spent that myself nor my brother did n't used, or is it something else? We were late sometimes. Partly due to income change. However, I now ca n't apply for any line of credit. I 'd like to make really small payments. But receiving those phones calls often, gave me anxiety & let to medication. Just overwhelmed. My brother just told me it was lowered to {$200.00}. Does that mean we can make increments in payment. Im actually preparing to make another payment, small but it 's something. Need help, do n't know exactly what to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: The LGM Co., Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated messages

Complaint:
This company states someone gave my info as a reference, I advise them not to contact me Ive been text and called again. They are rude and hang up so I ask for manager with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I signed up for XXXX XXXX XXXX on XXXX after receiving a letter in the mail for a debt consolidation. I was told they could consolidate the debt over {$50000.00}. I signed up for a 2 year program. I completed the program in 2 years paid over {$55000.00} to XXXX XXXX & my creditors, but the accounts were suppose to be a paid for delete and all of the accounts except 2 accounts are still on my credit report. I'll upload the paperwork that I have from XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2022-08-22
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made 2 attempts via certified mail ( XX/XX/XXXX & XX/XX/XXXX ) to request validation of a debt being reported on my credit report by Credence Resource management listing the original creditor as XXXX XXXX XXXX in the amount of {$340.00}. Credence has failed to respond to my request for validation. Furthermore I have never received any communication regarding this debt nor how to dispute. I have disputed with all 3 credit bureaus and each is reporting different information from account closed due to no response from collection agency. I am requesting all records of Credence Resource Management on all credit bureaus be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
Company: T.S. Holdings
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested a written notification that was sent by certified mail on XX/XX/2022 disputing debt. I have requested ( I.Q. Data International services ) to provide me with verification of debt. However, I received an alert on XX/XX/2022 from all credit bureaus on a collection account on my credit report. I.Q. Data International has given me a date of XX/XX/2022 to dispute the debt. However, when I called I.Q. Data International and spoke with XXXX XXXX agent ) he was very rude and didn't attempt to research my request. According to XXXX the company does not see a dispute letter on file. However, I have proof that the letter was picked up from the post office on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
LETTER!! 

15 US Code 5168c-Ja mumer reporting agency that beck the reporting of any information in the of a comer that the consumer entfestion that from an alleged identity theft, not later than 4 busness days after the date of receipt has been 30 days and you are in VIOLATION of this law because I am a victim of destry the Please delete these items IMMED These accounts should not be famished on my consumer report as they are Under, 15 US Code 1181b Persible purposes of consumer reports tal c to subsection any consumer reporting agency may furaha mere following crcumstances and no other ( 2 ) in accordance with the WRITTEN INST come to whom it relates INTVA gen any comme reporting agency WRITTEN CONSENT repert anything on my consumer report which violates my rights as a federal protected NO CONSENT IDENTITY THEFT. As a demanding the deletion of the courts Isted IMMEDIATELY

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 2022-06-08
Company: Experian Information Solutions Inc.
State: OR
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:
I noticed I have had several credit reports brand with my information by email that I did not sign up for or did I did not apply with my information. I have also received emails from XXXX and XXXX stating I have ordered products in my name which I have not bought nor do they reflect on my accounts nor did I authorize them. I have reported spoofing emails to XXXX and XXXX and I am trying to get these credit reports off of my personal credit. My identity was stolen last XXXX XXXX weekend in XXXX Oregon which I also followed a police report with them. I also have a business which my business information was also stolen with my ID social security card and bank card and credit cards which were reported in the police report. I continue to receive suspicious emails and credit reporting that my credit has been ran which I have not done or authorized.

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 2023-07-18
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I do not have a cell phone e and needed to reset my password. I live in in area that cell phones do not jhave service, so I have a land line. 
I accidently logged out of my Chime account. I forgot my password and needed to reset my password. 

I contacted Chime customer support a week ago to resolve my issue. I have approximately 25 emails to and from. I spoke with a supervisor, today. I provided the documentation they asked for but I never receive a response. I provided copy of my driver 's license, copy of current utility bill, selfie with my driver 's license, Paper with current date, name and last 4 digits of social. I never receive a response. 

I am now, very concerned about my funds, current and future with this lack of contact to resolve issues. 

I would not recommend Chime to fellow seniors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I pulled my updated credit report on XX/XX/2022, and realize that it still has multiple erroneous information on section " Personal information '' the address such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, do not belong to me, about a month ago I sent a dispute to the credit bureaus to remove the inaccurate address that were found on my credit report, unfortunately they did not remove it, so I am now getting in touch with the CFPB, because I do not want inaccurate addresses on my report and I need them off.

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 2022-04-25
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was allowed a forbearance and was told the months would be added to the end of the loan. When this timeframe expired, JP Morgan Chase demanded the total amount due in forbearance instead of adding the amount due to the end of the loan. I do not have {$5000.00} almost to pay the arrears and foreclosure is pending. I applied for mortgage assistance and was denied stating my situation was not temporary. I am so frustrated. I have applied to XXXX agencies for pandemic assistance but am awaiting a decision which can take XXXX weeks longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
For my Navy Federal credit card, approximately six months ago, I experienced fraudulent activity on my credit card. This occurred due to someone hacked into my computer and signed into my Navy Federal account. They then took a cash advance from my credit card and transferred the cash into their external XXXX XXXX XXXXXXXX account. 

This transaction resulted in my credit card having cash advance monthly interest charges. This has been brought to Navy Federal 's attention three to four times each month when the interest charges posted to my credit card. I have submitted three to four monthly credit card disputes to include email correspondence to Navy Federal. All efforts to have the interest charges removed and to resolve the issue have all been unsuccessful as I have not received notification, updates or status of all of the disputed transactions. And the last interest charge posted to my credit card on or about XXXX XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
going on three years now, this mortgage loan servicing scam and predatory lenders have tryed every trick on the book to default us, steal our property and foreclose on us.we have never missed a mortgage payment, we never missed paying our insurance directly to XXXX, and we have always pay our property taxes directly to the county as well. despite all this, they have opened escrow accounts for fictitious tax payment and insurance payments too others and have tryed to increase our mortgage payments by double digits. they have also misplaced our mortgage payments and applyed them in to suspense accounts and not the mortgage account and maliciously reported the payments late month after month in order to build a fictious case of foreclosure and make false claims that we are late and they have sent us thousands of dollars and paid tens of thousands of dollars in property taxes, which is all false and your offices continued beliving these crooks.now they conitnue with there criminal actions, if your office dont do anything to protect us consumers from these predators. what good are you for? and should then we take the matters in to our own hands and justice? we have never missed any payments. and they continue saying that we did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have issues every day with Bank of America the debit cards on the company account are placed on fraud holds daily more than two to three times a day ; the bank constantly asks me to come in and verify my identity has now begun to place holds on all deposit for 7-10 days this has become an overwhelming issue which has now began to affect me emotionally, mentally and physically. I go to the banking center and they have no explanation and or resolution the banking staff themselves do not know why this is happening. On Thursday, XX/XX/2023 all my cards were blocked I went in to the bank waited about an hour to be helped and then another hour while staff contacted Bank of America XXXX number to be told to identify me and while in XXXX bank all cards were blocked the lady told the banker all was cleared and while I am still at bank again all cards blocked I need help and a resolution. Bank of America is a disgrace it impedes small business owners and provides no financial assistance an or communication they hold your money XXXX. Additionally, you now have to chat with XXXX to see if the bank deems your call important to speak to a specialist beyond ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
XXXX Bank of America Credit Card which I've had since XXXX in good credit standing with my XXXX rating today of XXXX. I did a 0 % interest rate balance transfer for 1 year XXXX. promo on XX/XX/XXXX in the amount of {$1200.00} to my bank of america credit card. I used Automatic payment.on Bank of America Website. Bank of america website when you set up automatic payments there is a small box which flashes up to inform the payer that a automatic payment may take 30 to 60 days to actually be paid. This is start of my 1st problem with B of A why does a automatic payment has to take 30 to 60 days to make a payment, all my other credit cards pay the month their Due. This is the first reason why i missed payments for my B of A credit card. The 2nd problem paying my B of A card is that if you change anything on their website for automatic payment from date you want to pay and the amount of money you want to pay the B of A website misses that months payment, which B of A never informs the customer about on their website. I inform B of A financial Department by phone to complain and ask that all my late fees be credited to my account and to have my credit rating fixed which they said they did and they informed me if you set automatic payments by phone there is no 30 to 60 days waiting time for payments and my question is why their Website is different from calling them by phone which is really inconvenient to do they had no good reason for. Also B of A credit Department lowered my available credit on my credit card from {$10000.00} dollars to {$400.00} because My Automatic payment problem of which their Website is responsible for not me. B of America refuses to reinstate my credit and this has caused me problems with my Credit Rating. I want my full amount of Credit to be reinstated with my Bank of america credit Card which was {$10000.00} not the {$400.00}, since their Website has a Automatic Payment problems. The above has all been documented by me and also phone calls to Bank of America

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