BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is in violation of 15 USC 1681 Improper use of Personal information I have never signed a one month term with is company nor have I given any one written consent to use any of my personal information to this company they are also in violation of 15 usc 1681 for failure to report complete and accurate information to Experian XXXX and XXXX Inconsistent incomplete and inaccurate errors are as following Experian reports 1 month term collec tion account with a past due balance with payment history being in XX/XX/XXXX if account was open XX/XX/XXXX why is there no payment history which is in violation of 15 usc 1681 I have asked for the con tract I was supposedly signed in XX/XX/XXXX XXXX does not have the account on their file at all XXXX reports account open no past due no term no payment no past due balance Experian XXXX and XXXX all updated account status in XX/XX/XXXX This creditor is obligated by law to re port accurate and complete information as this creditor has failed to do so and I dont believe a proper investigation was completed and has past the 30 days I am demanding this account to now be deleted AS SOON AS POSSIBLE. 
I am Also filing a complaint with CPFB As you all have failed to complete a proper investigation and I am seeking damages as I am by law entitled to up to 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 2023-01-12
Company: JPMORGAN CHASE & CO.
State: TX
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:
XXXX XXXX XXXX XXXX  totaling {$3800.00} were made using my Chase debit card from an XXXX XXXX which used facial recognition. I have never owned an XXXX I have an XXXX  and have since they came out. Chase has put the money back in and taken it back out XXXX times saying I approved the transactions. They were all XXXX made same day from XXXX XXXX XXXX and I live in XXXX Chase refuses to settle my complaint even though I have submitted phone records showing apple phones, XXXX XXXX XXXX showing my debit card. I need this money back in my account and they just transfer me around with no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
XXXX XXXX XXXX in XXXX, XXXX adding on a XXXX Commercial GAP insurance for {$850.00} and XXXX Vehicle Service Contract for {$3300.00} to customers invoices without asking if they would like to purchase these services or state that they are optional. They commingle the paperwork for these optional services with required paperwork for the vehicle purchase. There position is that they have all of the paperwork signed to support the services sold. I explained to them that if the obtained these signatures in an improper manner by not asking a customer if they would liked to purchase optional services, this is fraud. Additionally, the GAP waiver is a sham product that flew people would purchase if specifically asked. If in spirt, it was not presented as optional its cost needs to be disclosed in the APR of the federal truth in lending statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 received a call from XXXX XXXX of XXXX XXXX XXXX from XXXX, FL. I fell for their claim of getting me at least {$9600.00} - XXXX for investing {$2300.00}. He said they would resell my 6 Bonus Weeks from XXXX XXXX. I only recevied couple of their so called dubious offers after 60 days of calling them 3-4 times. They just pick random resorts that don't have vacancy until the end of year. Now they are not returning the amount of {$2300.00} that I paid upfornt. The capital one credict card dispute center is not willing to help me even after I sent them all the documents that they requested. I had been working with them for the past 2 months but to no avail.

a ) The agreement says that they will be advertising the XXXX XXXX XXXX XXXX at XXXX, XXXX as per the agreement but they sent me request from fictitious renters for other resorts. Also, I received the offer after 60 days of calling them 3-4 times. Hence, I havent received the service that they promised in the contract.

b ) There are others who are victims of this scam. The comments ( XXXX XXXX XXXX XXXX XXXX ) from other victims of XXXX XXXX XXXXXXXX corroborate my conclusion that they scam people by claiming to give high return ( $ XXXX {$10000.00} ) on low investment ( {$2300.00} ). All victims were scammed during the same time frame ( XX/XX/2022 ) as me. Many others are in the process of disputing it with their credit card companies. 
c ) I could never contact XXXX XXXX after the first phone call in spite of multiple attempts. There is no signature from him on the XXXX XXXX agreement though his name appears there. I am sure that the telemarketers use phony names. One of the other victims also was scammed by XXXX XXXX. 
d ) The business address ( XXXX, XXXX XXXX XXXX, XXXX XXXX, FL ) on the agreement is different from that on the email ( XXXX XXXX XXXX XXXX, FL ) that I have been getting. Thus, pointing to a scam operation.

e ) The agreement stated that they would be advertising the XXXX XXXX XXXX XXXX through XXXX, XXXX, XXXXXXXX XXXX etc. However, I havent received any evidence of the XXXX resort being advertised anywhere except verbally on phone for convincing me to sign the agreement. This is another instance of no service being provided as per the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: SYNCHRONY FINANCIAL
State: VA
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:
There was a hard inquiry on my credit report. I called XXXX XXXX NA. They informed me that someone had entered an application for a XXXX card. I told them that I have not applied for any type of card.

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 2022-06-13
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:
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. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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 do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and to remove these unknown accounts and inquiries. These accounts are definitely not mine. I kindly ask you to help me because I do not recognize these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called on XX/XX/2019, at around XXXX XXXX I spoke with agent name : XXXX ID XXXX we spoke for an hour and a half. I explained that I am going through a financial hardship and need to work out a payment plan to avoid bankruptcy. She said she thinks she can help, she would need to fill out an application and would know instantly. She asked me several questions and said I was approved to pay {$87.00} per month for 60 months at zero interest. She said the deal can only be made if I agree to pay the current payment of {$150.00} and change on or before XX/XX/2019. I agreed and said DEAL! 

She put me on hold for a few minutes and came back and said this is not normal but we need to send this to a supervisor for approval. I said it was already approved by the computer that you already made the offer and I accepted it, we have an oral agreement. She said she can't offer the deal that was already offered by Chase and accepted by me. She got her supervisor XXXX ID XXXX who said we are not able to offer the deal that was made with the agent XXXX. I said the deal was offered and accepted how can you rescind the deal, I already accepted the offer. We have an oral agreement. 

I told XXXX to check the recording conversation that it was already accepted he said he would check to see if the representative did make the offer and I accepted the offer and it would take a month to check the recorded conversation. I explained that if Chase wants a month to listen to the recording that I shouldn't be responsible for the payment coming due on XX/XX/XXXX, since I needed the hardship agreement to take effect to make the payment. I shouldn't be responsible for making payments while chase is taking a month to review the recorded conversation and refuses to honor the hardship agreement that was offered to me and accepted by me. 

CHASE IS IN BAD FAITH NOT HONORING THE DEAL THAT WAS OFFERED AND ACCEPTED BY ME. 

On a sperate request please note in the records : I am requesting Chase to please preserve the phone recording made on XX/XX/2019, at XXXX XXXX lasting over two hours  regarding this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
Remove all negative accounts that dont belong to me immediately. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system. Remove all negative accounts that dont belong to me immediately.

Company response to consumer: In progress
Consumer complaint received 2023-04-02
Company: CarMax, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have never had any late payments and this reporting is causing my credit summary to suffer and prevent me from being able to utilize my credit to make purchases. In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 604 A : States I have a 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. I demand that this item be removed from my report. I demand that you provide me with concrete evidence and all documentation proving that I am or have been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
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: Account information incorrect

Complaint:
In summary, due to the multitude of inaccuracies reported by these furnishers to Equifax, and due to the irreparable harm to me caused by these furnishers, I am demanding these accounts to be deleted from my credit report immediately. I previously disputed these accounts in XXXX XXXX and the furnishes and/or Equifax added more inaccurate and negative information to my credit report, resulting in my inability to now purchase a home. This was not the case prior to them adding additional inaccuracies to my credit report. 

These egregious inaccuracies have caused me to be denied credit and the inability to obtain a conventional mortgage. Due to these inaccuracies, I have been unable to secure a home for my family. I can not fully express to your agency how these errors and inaccuracies have caused me emotional duress, stress and the inability to generate wealth for my family. 

The details and my requests are attached to this complaint as a word document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The reason I'm reaching out is due to unable to get help for resolving an issue with the escrow account. This issue starts on XXXX, XXXX when I noticed the mortgage payment will increase on XXXX and shows that they sent a tax disbursement to XXXX XXXX of {$1200.00} for the tax year XXXX. This payment was already made from the title company 's escrow account when we did the closing. I have called the XXXX XXXX department XXXX to check with them about the payment and they confirmed that the received a payment from the title company and they couldn't find a payment from BSI financial services ( the mortgage company ). The XXXX collector department XXXX request a check from the mortgage company to proof the payment, I have tried many different times to get this copy of the check and they can't provide it, only information about the check number and when was cleared but this information is unhelpful since the tax collector office can find any information about this check and they said that if they send a check for tax payment and the taxes were already paid for that year they would have refund it back. I would really appreciate if I can get help on this situation on how I can escalate this problem to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: MA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 
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 in accurate

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 2023-10-01
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer is currently Nelnet, as it was changed from the company Great Lakes. I qualify for the XXXX repayment plan. I applied for the XXXX repayment plan in XXXX, on the federal student aid government website. On the federal student aid website it states that my application was processed and this direct quote : '' Your loan servicer ( XXXX ) has ( have ) completed their review of your application. '' On the Nelnet website it states that I am enrolled in the XXXX plan ( not to be confused with the XXXX plan, which is a different repayment plan ), which I never applied to or was enrolled in the past. I never received communication from Nelnet that my repayment plan had been changed to the XXXX plan. I called and was unable to communicate by phone due to hours long wait times. I sent a detailed email to Nelnet and was sent an automated email letting me know that no one would reply to my email as no one would be reading it. It directed me to try the Nelnet website and if my issue wasn't resolved by visiting FAQ on their website, to call their phone number. Placing an account on a completely different repayment plan than you applied to is unacceptable ; the terms of each repayment plan are all different and change the monthly payment depending on what repayment plan you are enrolled in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX  XXXX XXXX Never late please remove late payments In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased XXXX XXXX XXXX at XXXX XXXX in XXXX FL thru XXXX XXXX, on XX/XX/XXXX I sold vehicle to XXXX and per their investigation check to Nissan was cashed on XX/XX/XXXX. 
Up to today Nissan is showing that I owe money on the car and still on my credit report. I have spoken almost every day since last week to have them correct this. XXXX sent copy of check including check number and amount paid. 
All Nissan is telling me that they need to investigate where check is when it shows it was already deposited.

Company response to consumer: Closed with explanation