BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: JPMORGAN CHASE & CO.
State: MI
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:
JPMCB - CARD SERVICE is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
pLease see attached police report, I have been a victim of identity theft

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 2023-12-01
Company: MOHELA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela Student Loan Servicing - Can not contact anyone about account errors and confusing platform. 

My repay plan was approved and the account says for me to pay {$86.00}. It said in XXXX that I do not have a payment due. But I kept noticing emails from the Dept. of Education that my loan repayments should be starting in XXXX, and now recent my loan is pass due. I paid XXXX and XXXX on the following dates : Payment made on : XX/XX/2023 Confirmation # : XXXX Payment Amount : XXXX Payment Effective Date : XX/XX/2023 I paid XXXX on the same day -- In a separate payment : See different confirmation numbers. 
Payment made on : XX/XX/2023 -- I added a note in the comments that the payment is for XXXX. 

Confirmation # : XXXX Payment Amount : XXXX Payment Effective Date : XX/XX/2023 It shows on the payment history as if I made one payment of {$180.00} -- all went to interest. 

Customer Service : I can not get a hold of customer service and I have waited 5 hours one day without anyone picking up. The website says that there is a high call volume every day. I have been trying for a month to talk to someone. 

The Platform : VERY confusing and lists over 30 loans that have different due amounts of {$1.00} here and here. They are transferring to a new platform soon. 

XXXX XXXX : I sent my documents for my XXXX XXXX requirements. I have been XXXX XXXX XXXX XXXX  that qualify for the grant for XXXX XXXX now. They send it back to my XXXX incomplete. My XXXX ( XXXX XXXX Dept of Edu ) and I explicitly check all boxes. I need to know the status -- - no response. 

Please help.

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 2023-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is another request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The items I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing the original copy of my consumer contract provided by Bridgecrest, it has become evident that there is no verbiage or disclosure indicating the sharing of my personal information or transaction data with either affiliated or non-affiliated companies. During a recorded call with a customer relations representative, it was stated that my contract supports an opt-in for sharing my information, and I was assured that supporting documentation would be sent to me. Attached documents further substantiate the violations of my consumer rights, including the failure to provide an opt-in or opt-out method both at the time of sale and throughout each year of my customer journey. Please view supporting documents in attachments.

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 2023-07-29
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred to a company called LakeviewXXXX. XXXX. I received a letter dated XX/XX/XXXX, in the mail today, XX/XX/XXXX, stating my mortgage payment is due XX/XX/XXXX, and that it is late after XX/XX/XXXX. My mortgage payments have never been late, and they have always been automatically deducted from my bank account. My concern is that my mortgage payment is now late because the new mortgage holder failed to seamlessly take over my mortgage, and they negligently failed to notify me timely of actions I might need to take to get the automatic payment taken out properly. I also have an excellent credit score over XXXX, and I will be very upset if this negatively affects my credit score.

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 2023-11-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: FL
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:
This account was added to my credit report without my knowledge or consent. I am a victim of fraud. This account was added to my credit report one day and it is damaging my credit report and I would like to have it removed. This regional acceptance needs to be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have file several complaints with XXXX and Truist Bank concerning a credit card account I am no longer apart of. It is still showing on my credit report for XXXX. XXXX and XXXX has already cleared this dispute with my credit report. I have filed XXXX disputes with XXXX with the same results.

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 2023-07-29
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax - XXXX XXXX - XX/XX/2023 - {$140.00} I am not responsible for this. I don't have any type of agreement with XXXX XXXX. Equifax has had their site down and unavailable to even access my report or dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
a representative from World Finance called my mother, a reference on my application and told her the total amount owed, the amount thats past due, the payment that needed to be made, how many months I was past due and told her I havent made a payment in XXXX months. This was illegal and never should have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt in the amount of {$300.00} is not owed to the collector. Disputed in XX/XX/2021. Debt had been removed from the credit report & has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
After initiating an OPEN END CONSUMER TRANSACTION XX/XX/2022 ; the consumer has still not received any correspondence, nor was there ever a Notice received, regarding the adverse action taken against the consumer. As pursuant to 12 CFR 1002.9 ( a ) ( 1 ) : a creditor MUST notify the applicant of adverse action within 30 days. Not only has the company broken the law by essentially denying consumer of the right to extend credit ( without notice ) via OPEN END CONSUMER TRANSACTION but there has been continued unauthorized use of the consumers credit card, as it is defined in the TRUTH IN LENDING ACT. This company also shared consumers personal information with other companies who also were never authorized to have access to such information ; as evidenced by the inquiries which are attached to this complaint. Despite the constant use of the consumers personal information ; thre has been NO BENEFIT to the consumer ; which is UNLAWFUL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
Company: EQUIFAX, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: LEXISNEXIS
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have repeatedly requested a copy of my report since XXXX and I have attached a copy of ONE their responses providing me a PIN number to remove or add a freeze and statement saying that they are unable to process my request. They continue to ask me for identifying information like social security card, driver 's license photos and every other piece of information. I have provided all of this through their upload system over fax mail and email! What are they doing with my information? Have they breached my data by not reviewing this information and providing me my documentation that I've asked for up until 2 weeks ago? How many times do I have to provide them very sensitive information that I don't know who is reviewing or looking at and they still can not seem to process it? This is unacceptable! I want a copy of my entire report immediately. 

I have followed their procedure I have given them adequate time to provide me this information and yet they still refuse the process this. My most recent communication started in XXXX and has went through until today as a matter of fact when I have also called them and they will not talk to me even. They continue to tell me that they can't validate who I am but yet they have all of my information because they keep asking me to send it and I send it and then they send me emails and they send me letters back at the proper address. Unacceptable. They are the one company that I can not get any reports from and I need them immediately because I think they are part of a data breach of my information. 

I am a victim of XXXX  XXXX and provided evidence of this and all of my identifying information and XXXX. It is now XXXX  if you look at the emails and I still don't have the information that I need which is a copy of my report. I need to see who has accessed my report and I need to see what my report is showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: NC
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 181 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 2023-11-11
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Ive made my payments on time and the mortgage company would add my payments to the principal instead of my mortgage and caused a bad report on my credit to which they said they were going to fix and it hasnt happened. The delinquency show up on my credit to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am requesting my consumer report and submitting the information requested by XXXX for the 4th time. I have a right to my credit report and scores and I am being denied that right by XXXX using stall tactics to keep my report from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Capital One in early XXXX to see if they could send a duplicate card as I share residences and specifically asked to not reissue the card as it was not lost or stolen it was just in a different location and I wanted to make sure the account was not closed due to inactivity as it is my longest credit card account ( over 20 years ). The representative did not listen and instead issued a new card ( telling me that the card number I had for over 20 years was no longer valid ). She said a new card would be mailed, but that anything with the old card number would no longer work. I haven't used the card in over 2 years and recently reactivated a subscription that was previously canceled to which to my surprise was charged to the account I was told no longer worked. I had the card locked through the app and the representative unlocked in early XXXX without my permission and then today I'm told that any previous " subscription '' or merchant that has my card on file can use it and that there is no recourse or operational ability to lock the card to any and all charges. I do not want the account closed as it will hurt my credit score, but I do not want anything charged unless I specifically need to make a charge to keep it open and purposefully and with authorization make that charge. Capital One gave me a po box to send a concern to, which means I am open as a consumer to fraud at any point and they are on notice that the account should not be used and refuse to ensure my safety as a consumer. The only option is to close the account, which would punish me needlessly and without anything being my fault. I am appalled that anything can be authorized without my permission and at this entire situation and feel helpless among a global conglomerate that I had no issue with and was just trying to manage my credit score appropriately. Capital One has stated they do not have a department that handles complaints or issues where they are at fault and wanted me to dispute the charge that the merchant in good faith charged, which is fraud by Capital One.

Company response to consumer: Closed with explanation