BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I received an advertising in the mail regarding a XXXX XXXX XXXX in XX/XX/XXXX. I called the phone number listed on the advertising and after answering a few questions, I was told I needed to enroll in school as quickly as possible. A few days later, I received call advising me that I was pre-approved for {$20000.00} and since I have a son in school that qualifies me for the loan and they could have proceeded without me been matriculated in school. I was also told that I would need a co-signer. I was excited to go back to school. With no knowledge at the time, I immediately called my dad who agreed to co-sign for the loan. The loan was approved and I started school XX/XX/XXXX. In XX/XX/XXXX, my father was diagnosed with XXXX and I fell behind on my loan. I started to receive phone calls regarding past due balances as so was my dad and son. After a bit of research, I realized that what the representative failed to disclose was that my son was actually listed as the student and not me. I was listed as the borrower, my son as a student borrower and my dad as the co-borrower. I notified the lender that was incorrect that my son was not the student and should have never been on the loan, but they ignored me. I tried several times to get this corrected but to no avail. I struggled throughout the years to maintain the loan, but with my dad 's serious health condition it was difficult. In XX/XX/XXXX my dad passed away and I became unemployed. After his passing, I received documents requesting full payment for the loan from my father 's estate. When I questioned the demand for full payment, I was advised that was one of the condition of the loan and this was included in the promissory note. Sadly, I had never receive a promissory note and no one had told me that either. The phone calls continued and both my son and I have been consistently reported to the credit bureau. Recently, I was connected with the Office of Customer Advocate and I was provided with my payment history and an ineligible/fainted copy of signed documents. Along with a few pages of what is supposed to be the promissory note that I should have had. I am in communication with a third party agent who is requesting full payment from my father 's estate and my son and I are receiving several calls daily from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a new checking account with BBVA Compass Bank and took out a personal unsecured loan for {$4000.00} at the same time. The bank was offering a promotional incentive of {$150.00} when taking the loan offer plus a ACH deposit into the checking account Since I receive Social Security monthly as a ACH deposit into a bank account of my choice. 
On XX/XX/XXXX I received {$50.00} for the monthly ACH deposit into the checking account. However, the loan which was to pay {$100.00} for taking out the loan at the same time as the checking account has not yet been deposited into the checking account as of XX/XX/062018. 
I spoke with a manager who said she would look into it. There has been no action taken on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX, XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/XXXX I was trying to send {$2000.00} to my mortgage holder XXXX XXXX however XXXX XXXX who was a old Mortgage holder was right above XXXX  XXXX in my online banking and I sent a {$2000.00} payment to XXXX XXXX instead of XXXX XXXX. XXXX XXXX  was taken over by Chase Manhattan in I believe XXXX. I contacted Chase who denied they got the payment and blew me off. I contacted the XXXX  State attorney General and what do you know Chase was able to find the payment with the tracking and account numbers I provided via XXXX. Chase has gone back and forth and keep changing required documents they dont like A letter of indemnification has been sent to Chase multiple times and they keep rejecting it they say that they have sent a templet to XXXX of what they want but nothing comes thru they say they fax this info but nothing comes thru. They have refused to send me the templet so I can get it to XXXX. So with out this letter of Indemnification they refuse to return my money my bank has had enough of the stonewalling by Chase not sure what they are being indemnificated from since they should have just returned my money to begin with not sure where to go from here chases Executive offices are slow. to respond wont hardly call back almost never email wont send me the information wont give me a physical address to send information to my belief is they are hoping I will go away and they get to go have lunch on my money. Not sure how they can account to this extra money on their books its not income interest or payment that is owed them

Company response to consumer: In progress
Consumer complaint received 2017-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Hello, my name is XXXX. I have had a credit card with Capital One ( XXXX XXXX XXXX ), which I have had for 11 years now at that point in time they charged me a {$19.00} annual fee. Now if someone applies for that same exact credit card a new applicant does not have any annual fee. Is this against the law for them to do that? They should not be able to charge me a fee and not someone else. I would have thought that is discriminatory. 

My credit is excellent. I do n't miss payments. Most of the time I pay the balance off in its entirety weeks before the due date. If there is nothing I can do I will have to stop using there cards then because they never give me credit limit increases or lower my APR. They will not work with me at all. I guess I will have to stick with my XXXX XXXX or XXXX. 

I believe they should n't be able to charge someone a fee that they do not charge someone else. Even if they do stop charging me a fee, they should not be able to continue charging someone else just because they do n't realize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: CITIBANK, N.A.
State: CA
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:
Citibank has failed to provide a credit for a dispute in my favor. 

Credit card balance has been paid in full every month. 

BDA = Billing Dispute Agent XX/XX/XXXX Billing dispute initiated with Citibank regarding charge for {$2000.00}. Charge was on XX/XX/XXXX. 

XX/XX/XXXX {$2000.00} conditional credit issued ( according to monthly statement ). 

XX/XX/XXXX {$2000.00} conditional credit reversed XX/XX/XXXX {$500.00} conditional credit issued. 

XX/XX/XXXX I call customer service and asked to be transferred to the billing disputes department about an existing dispute. Automatic message answers and says the dispute was judged in my favor. Says {$2000.00} credited to my account. However, only {$500.00} has been credited so far. 

XX/XX/XXXX Call billing disputes regarding {$1500.00} credit not yet posted. XXXX from billing dispute says she will forward to supervisor and contact me same business day. No response from XXXX. 

XX/XX/XXXX No contact. 

XX/XX/XXXX XXXX states via voicemail that she has not heard anything back from supervisor but the information has been passed to them. 

XX/XX/XXXX I call to get an update. BDA says supervisor started looking into the case XX/XX/XXXX. 

XX/XX/XXXX BDA says credit will be issued in 2-3 business days. 

XX/XX/XXXX No credit issued. BDA says they will forward to supervisor. 

XX/XX/XXXX BDA says they will notify supervisor and to wait " a few days '' to receive a response via secure message. 

XX/XX/XXXX No response received. XXXX initially spoke with XXXX. Asked to be transferred to supervisor. Supervisor XXXX takes the call. XXXX says he will email a contact rather than place a general request for the issue. XXXX says he can not approve {$1500.00} because it's " a large dollar amount. '' XXXX 's contact is to e-mail me regarding the credit " in a few days. ''

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
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.

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 2020-08-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had several retail credit cards issued by Synchrony Bank. Every credit card account in excellent standing and half of these accounts, if not more paid in full with no unpaid balances. On XX/XX/2020, Synchrony Bank closed ALL the accounts. When I called, they placed blame on XXXX and stated the agency contacted them and shared issues on my credit report. I contacted XXXX and they indicated that they do not report issues ( which I had no issues ) to credit issuers. I called Synchrony Bank back and all they continue to tell me was that I would receive letters in the mail explaining why! Well, two weeks later, I began receiving letters. Many the same explanation that I am a HIGH RISK of not being able to pay, even though I have shown excellent payment history! Other letters were complete inaccurate. Some stating account closed due inactivity. This information is completely false! I also received a letter for one of my accounts stating no activity over a 12 month period. Again, completely false information. The account for that particular letter was a new account not just barely opened 6 months. This type of business practice that Synchrony is doing to hundreds upon thousands of customers is wrong and they should be investigated! My credit over all is ruined because of synchrony bank. My credit score reflects my credit utilization is at MAX. I made many attempts to at least have my interest rate lowered and or completely removed since they closed my accounts AGAINST my will but still expecting to pay their high interest rates! In this current economy, people are struggling and yet this institution continues this in order to stay profitable. Something must be done!!

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX : Date opened is inconsistent. High balance is XXXX with XXXX and XXXX with XXXX and Transunion. Payment status with XXXX is current. XXXX is " Paid, was past due 30 days. '' Transunion is paid as agreeed. Date of last activity is XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX with transunion. This account has never been late. UPDATE PAYMENT HISTORY TO NEVER LATE. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. XXXX reports account as collection while transunion reports it as open. XXXX reports account status as " XXXX ''. XXXX lists the original creitor as XXXX XXXX XXXX. Transunion reports " Medical '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. XXXX reports account as collection while transunion reports it as open. XXXX reports account status as " XXXX ''. XXXX lists the original creitor as XXXX XXXX XXXX. Transunion reports " Medical '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : XXXX lists account as collection while transunion reports account as open. Last activity is inconsistent. XXXX reports XX/XX/XXXX and Transunion reports XX/XX/XXXX. Company failed to respond to validation request on XX/XX/XXXX. Please delete immediately. 

XXXX XXXXXXXX : validation was requested on XX/XX/XXXX. I did not receive any correspondence from company. Date of last activity is inconsistent. XXXX and Transunion report XX/XX/XXXX. XXXX reports XX/XX/XXXX. Please delete immediately. 

XXXX XXXX XXXX XXXXXXXX : Account was disputed on XX/XX/XXXX. There was no notice of dispute entered on account. Payment status is inconsistent. XXXX and Transunion reports pays as agreed, but XXXX reports 60 days late. Date of last activity is wrong. XXXX reports XX/XX/XXXX. XXXX reports XX/XX/XXXX. Transunion reports XX/XX/XXXX. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : Account was disputed on XX/XX/XXXX. I have no recolection of this account. I asked for verification from them. They did not respond. They also did not enter a notice of dispute. Please delete immediately. 

XXXX XXXX XXXX : this account was disputed on XX/XX/XXXX. The account has never been late. They did not investigate. They did not enter a notice of dispute. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : This was disputed on XX/XX/XXXX. I received no response. This is an unknown charge. Please delte 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Not the first problem with Bank of America. Their business model is to take money from consumers to which they are not entitled, and then refuse to give it back on a timely basis. 

While the amount in question is not that large, if they repeat this process with thousands and thousands of consumers, it gives the bank funds that they can invest and earn money at the expense of innocent consumers. 

If I did that, I would be arrested and charged with a crime, but Bank of America feels they are above the law. 

On XX/XX/XXXX, I made a {$3500.00} payment to my account ending in XXXX. At that time, the balance was {$3600.00}, with the account in good standing. That same day, I made a payment of {$170.00}, paying the account to XXXX. 

The next day, my account was debited for {$120.00} which was presumably the amount due under the autodebit which was set up to pay the minimum payment, resulting in a credit balance of {$120.00}. OK, I guess that could happen, maybe the debits/credits " crossed in the mail '' so to speak. 

But my issue is, Bank of America REFUSES to give me my {$120.00} back, on a timely basis. My suggestion was, apply the {$120.00} to a {$360.00} balance I have in another account, and they I asked to initiate a payment of {$240.00} so both accounts would - today - be at a XXXX balance. 

Bank of America said, OK, but it would take 1 or 2 billing cycles to do. I understand why this is, again, BofA 's business model it to take funds they are not entitiled to, invest them, and give them back at a future time, making money off the backs of innocent consumers. 

Nice scam, maybe BofA can give seminars on how to scam money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
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:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records and closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
This accounts listed are Not related to any transactions done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I reviewed my credit report yesterday and noted accounts on there that I do not recognize. These are accounts I did not open, and accounts I have never used.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
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 DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED 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 {$110.00} XXXX XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXX XXXX$15000.00} XXXX XXXX XXXX XXXXXXXX {$14000.00} 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 Please investigate and remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Please investigate XXXX XXXX 30 day late

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