BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
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 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 XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: In progress
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Account kept charging me over drafts before they advised they would not.

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 2022-03-02
Company: Windham Equity Company
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I would like to file complaint against Auto Loan, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, autouseautoloan.com I know I am past due to difficulty with making payments from being unemployed from Covid 19. I am trying to get caught up with my payments using my tax refund. I tried to access my account online to review added charges and amounts due as of today. I couldn't get into my account. It was stating that I was giving the wrong information. I contact the support email to find out why my login information was not working. They contacted me back quickly and told me they shut me out of my account and to call the office. I replied asking for a copy of my ledger for review and they have not responded ( email attached ). All I want is to review my account so I can work out my financial situation. I went through my documents for their loan terms and I don't have a copy of that with my purchase documents. I don't know if they are allowed to not show me all the charges and what is due. I have nothing to confirm the correct amount and or charges for what they tell me over the phone. I don't feel comfortable not knowing what they are telling is truthful or not. I have no other documents to give or know my loan or account number because they only have everything in the account I am locked out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX of 2020 I recieved a credit card from Bank of America. I had a credit card with them that I had not used on a while and they sent me this new credit card that stated it would give me cash back rewards and a 0 percent interest rate for 15 pay cycles on my purchases. I paid for some things for my house with the credit card and noticed on my bill this month that I was being charged for interest. I called Bank of America and was told that I didn't qualify for the 0 percent interest rate because they just converted the account I already had with them over to this cash back credit card. I never requested to be converted, they just did it and sent me this credit card with misleading terms. I had a late fee that they wouldnt even consider waiving after I told them I forgot to make my payment due to things going on. I guess I wasn't specific enough about the issues I was dealing with.

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 2023-11-16
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
JP Morgan would not credit me for an improper charge on XX/XX/2020, I closed my account and paid the last bill that I received in full, less the improper charge. After I closed my account, Chase would not send me subsequent bills or allow online access. After two months, Chase started collection calls - I told them there was a legitimate dispute - not a failure to pay. Eventually the vendor themselves credited me for the original improper charge, yet Chase refuses to credit the interest and penalties that accrued after I cancelled my card. Further, they reported me 90 days late which caused me difficulty in receiving an auto loan. My Chase Select banker said supervisors would call me on multiple occasions to try to resolve the issue - yet I never heard from them. I was even told they mailed be and tried calling - yet they have my correct address, work phone, home phone, cell phone, and email, yet I never received one text, voicemail, letter or call. Each day that goes by without Chase addressing my issue, my damages increase. I keep getting collection calls, interest and fees and an incorrect, damaged credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: American First Finance, Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan for {$1000.00} on XX/XX/XXXX from American First FinanceXXXX Bank. Bi-weekly payments of {$77.00} starting on XX/XX/XXXX. I made the first payment on XX/XX/XXXX for {$77.00}. The next payment of {$77.00} was due on XX/XX/XXXX, but couldn't make that payment. Instead I made a double payment to cover the XX/XX/XXXX AND the XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$150.00}, to be caught up. My bank account was debited twice for {$150.00} on XX/XX/XXXX for a grand total of {$310.00} One of the {$150.00} payments that was debited twice was returned back to me. Now on XX/XX/XXXX, the company attempted to debit my account for {$77.00} via my debit card. They state my account is past due, how is this even possible when my next payment isn't even due until XX/XX/XXXX? Something is not right here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: GA
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 several requests 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 items : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XX/XX/2022 Dear XXXX XXXX & Nelnet/Firstmark Executive Management : I am writing as an severely distressed XXXX borrower, after having contacted Firstmark Services and Nelnet with a plight to place my Firstmark held loans in a Natural Disaster Forbearance ( beginning on XX/XX/2022, and through XX/XX/2022 ) for the Nebraska Severe Storms, which affected my employment and was a FEMA Declared Major Disaster on XX/XX/2022. 

After speaking to several supervisors ( including XXXX on XX/XX/2022 ) and being promised assistance with getting this forbearance applied to my loans, as well as several promised follow up calls which never arrived, I phone in and emailed several more times to request direly needed assistance. Firstmark continues to promise senior management follow-up which never arrives via phone, and at this stage your company has caused me severe medical distress and the near need for hospitalization. 

As such, please direct someone in senior management for assistance in placing these loans, as previously promised, into a Natural Disaster Forbearance as related to the detailed effect such issues have had on my employment ( as I explained to several inept representatives, I am unable to provide an exact address due to the nature of my work in landscaping many of my covered areas were affected by said storms ). This matter remains exceedingly emergent at this point, as my loans continue to become part due, threatening my credit and financial status, which is egregiously unacceptable. 

Please note, that while it remains my hope to resolve this matter immediately at this level, should this not be honored, I will be immediately contacting my direct contact with XXXXXXXX XXXX XXXX XXXX, as well as potentially filing Civil Litigation against Firstmark Services for the many false promises, refusal of assistance for a declared disaster, and related medical and emotional distress. 

Thank you kindly in advance for your immediate and urgent attention to this matter, and I look forward to speaking today by end of business to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Follow-up 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 XXXXXXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-03-02
Company: DISCOVER BANK
State: MA
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 filed a dispute last month and Discover card responded with a 2 page letter. Their letter was a giant lie. On page 2 they say that they will " continue to report the account to consumer reporting agencies as " disputed '' until I advise Discover to remove ''. As soon as the XXXX  closed the case they removed that dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was attempting to lift the credit freeze on my account. I could not do it online with my prior pin. I could not get a new pin submitted to me through the automated system, and I could not speak to a person. I could sign up for their credit services which would provide me with 'enhanced ' access.

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 2020-12-19
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hi I am an XXXX ( XXXX XXXX XXXX XXXX ). Pen Fed Credit Union in Virginia sent me a XXXX check which I took advantage of. I have always paid my payments on time. I was on XXXX XXXX for approx. 3 years. Working a restricted schedule of 20 hours per week and still paid my payments. The XXXX XXXX XXXX XXXX stopped my payments for almost a year. I struggled to make my payments and was given no relief when I asked. I went in to the Pen Fed office in XXXX, PA and the personal banker was very rude to me. She told me she could not help me that I had to call the corporate which also provided no relief options. I started pre-paying my loan a month or two in advance to have a financial cushion so I didn't loose everything. it's a term Personal Line of Credit. I made multiple payments as income started to come in and even took money out of IRA 's to keep current and ahead of sched. I would pay extra when before the due date as a payment for a month in advance. My due date is the XX/XX/XXXX of each month. For example I would pay a direct payment for XXXX, then I would make an additional payment for XXXX as a regular payment not a intending it to be applied as a principal only payment. so I would be paid two months in advance for the full term payment. There was nothing in the terms and conditions of my loan payment that said I could not pay ahead of time and it was never applied to all principal till my last two payments when they accrued interest and backdated it. I have asked the personal banker and now corporate for a copy of my terms and conditions of my loan agreement. I started really making accelerated payments in XX/XX/2020 to try and get this thing paid in advance so it would give me some cushion on my paychecks so I could pay all my bills. I have done this with other institutions and never had a problem. I feel that I am being taken advantage of and it has caused undue stress and anxiety. I would like you to follow up with the personal banker in the XXXX, PA office as well as corporate. They told me my next payment if going to be over XXXX all to interest. I never heard of being penalized for for trying to stay afloat and make my payments more manageable. They would not work with my interest rate or the payment to make it more affordable. It's not like a personal loan ... ..it 's like a shark loan from a Federal Credit Union . 
Thanks 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 non-monetary relief
Consumer complaint received 2023-11-19
Company: Nelnet, Inc.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Brock & Scott, PLLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 XXXXrock and Scott PLLC on behalf of XXXX XXXX filed a lawsuit to attempt to collect a debt not owed as a result of identity theft. On XX/XX/2023 XXXX XXXX attempted to validate the debt through case number XXXX regarding the account ending in XXXX. Through the debt validation process, XXXX XXXX confirmed the debt was a result of fraud and I was not responsible for the amount in question. The creditor, XXXX XXXX has removed this item from my credit report, but Brock and Scott still have a lawsuit and are continuing to collect on a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXXth i paid for a service that i thought was very legitimate but end getting scammed, i contacted the recipient many times to try to get my money back but they blocked me. I contacted cashapp with an email & thwy denied my dispute & told me to be careful next time which i understand but as. a bank should always let a customer do a dispute with proof of fraud/getting scammed.

Company response to consumer: Closed with explanation