BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NY
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. 

Account name : XXXXT XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : 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 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 2020-06-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I sent a certified letter proving thaXXXX XXXX XXXX  account should be deleted from my credit report Experian has yet to delete this from my report I am going to get a lawyer to help me Sue XXXX XXXX  and Experian if you do not remove this from my credit report this information from XXXX XXXX is incorrect I want this deleted from my credit report immediately I have sent you the proof will and close the proof I have talked to XXXX XXXX XXXX and there will be a lawsuit if this is not delete it from my credit report. XXXX   has deleted this from my credit report if Experian doesn't delete I will have to sue Experian

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 2023-06-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report the other day and found out that these three inquiries was on my credit report and I do not recognize them I need them removed.

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 2022-05-16
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Date : XX/XX/2022 I realized that I was being charged for an American Express Card that is no longer used and the Annual renewal of {$690.00} needed to be paid. I had received a call from Amex and when I tried to cancel the card all together. The Amex representative said " you will still need to pay Late Fees {$78.00} and Annual renewal charges ( {$690.00} ) for a total amount of {$770.00} because the renewal was XX/XX/2022 and its past XXXX for a refund on the renewal fees and late charge. 

It is still the obligation of the card holder to pay the renewal fee past XXXX no exceptions. This is not stated anywhere within the monthly statement of the renewal charge. Plus if you don't use the card and don't need to pay regular payments you may incur this charge without knowing like I did. And I am now forced to pay without even knowing especially when I setup a paperless account.

I tried to get the card canceled and charges removed but the American Express representative said I need to pay the renewal and fees and at the same time card will be suspended. I just want out of American Express and dont want to be held to my renewal fees and late charges because I dont and will not use the card in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I have had a credit card with Bank of America for 5 - 6 years. In XXXX of XXXX they gave me a promo of no interest on balance transfers for 12 months. I moved some balances from other cards and enrolled in auto pay to pay the minimum payment of {$65.00}. In XXXX of this year I received an email stating I was past due. I could not understand how this was possible since I was on auto pay. I called and spoke with a representative who explained that my promo ended which increased my minimum payment to {$91.00} and therefore my minimum payment amount was not covering the minimum amount due each month. I explained that I had set it up to pay the minimum payment so that should have automatically changed. He informed me that it was set to pay {$65.00}. I told him the online auto pay option required you to enter an amount. He said that he understands it is very confusing online, but there was another option to select minimum amount due. I argued that there wasn't clear instructions online explaining that by selecting a flat amount it may not cover the minimum amount due and should instruct you to choose another option if you are wanting to set it up to pay the minimum amount due each month. At that time ( XX/XX/XXXX ) I paid the minimum amount due over the phone of {$200.00}. They reversed all my late fees and additional interest due to the error, but informed me I was reported 30 days delinquent in XXXX of this year. I explained that should be reversed since it was due to them not changing my minimum amount due. I asked for guidance on how to enroll correctly to set up the minimum payment. The representative told me I would have to speak to someone in another group. I called that department and after 15 minutes the representative could not figure it out and said they get lots of complaints from customers on how to set that up. After another 10 minutes I finally figured it out on my own. In XXXX I received another email stating I was past due. I called back and again asked how this was possible since I fixed this the previous month. The representative explained it can take two billing cycles to start. I told him that was never shared with me, so they apologized and removed the late fees again. All of this could have been prevented if their website wasn't so confusing on how to enroll in automatic payments to pay the minimum amount due. Please remove the 30 day delinquency from BOA since it was due to their errors on their website and lack of communication on how to instruct their customers on how to set up auto pay correctly.

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 2022-05-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past XXXX years i have been been getting the runaround rom XXXX XXXX. All the documents requested were submitted along with Hardship letter my wife had gotten XXXX. So i was the sole provider for my Family. They recently denied a modifacation but have not been able to explain there reason. They claim there were covid programs but nothing was offered .Last year a representative from SPS called with a lower payment so i said just put in in writing and i can start to pay. The following day a rep from SPS called and stated that this person was not authorized to make that decision ..Every time you call them a different person picks up and tells you a different story. Just not fair.They dont include all the documents i have submitted and tell me to resubmit .them again. The same docs over and over. There are over XXXX reviews on the web site and they are all the same as mine. Over 200 law suites have been settled do to there lack of compassion. Just a group of greedy uncaring people. They should be put out of business and all debt should be forgiven .Respectfully Submitted XXXX XXXX XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XXXX, I financed a XXXX XXXX XXXX via Bridgecrest Acceptance Corp XXXX XXXX ). I put down $ XXXX down on the vehicle. Throughout the life of the loan, I have encountered severe economic challenges due to hours reduced at work and illness. Bridgecrest has never helped with my situation, won't work with me and only a few days prior to my truck being repossessed, a local charity ( XXXX XXXX XXXX XXXX ) on a three-way phone call with myself attempted to pay {$1200.00} towards the loan- which would completely remove the repossession order. Bridgecrest refused to allow the charity to pay {$1200.00} via over the phone due to my ( XXXX XXXX ) history of bounced checks. After explaining to Bridgecrest that the payment would not be drafted from my checking account, but rather the charity 's business account they still refused to allow the payment via phone. Throughout this ordeal, " in an attempt to collect a debt '' Bridgecrest calls/texts/emails me multiple times a day. 

Bridgecrest told XXXX XXXX ( XXXX XXXX for XXXX XXXX XXXX XXXX ) that payment would only be accepted via US mail. On XX/XX/XXXX, XXXX sent Bridgecrest a check in the amount of {$1200.00}. As of today, Bridgecrest states that no check has been received. On XX/XX/XXXX, a new order of repossession was issued. I paid the car payment via online ; thus overdrawing my checking account by {$200.00}. 

Due to Bridgecrest 's refusal to help, refusal of payment via phone by a third-party business account and " missing check '' I am 100 % convinced they want to repossess the truck- due to the large of amount positive equity ( low miles, XXXX downpayment.

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 2020-06-12
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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. 

has violated my rights. Or list of inquiries Account name : XXXX Account number : XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX  Account 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 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 2023-03-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive formally disputed Bankruptcy account information and ascertain that the data furnishers had permissible purposes for the account to potentially initiate said alleged bankruptcy be it true, or not valid or not defamatory allegations have to be Metro 2 Compliance in order to be maintained or reported I requested deletions of any information that is not subsequently with proof of permissible purpose documented evidence confirming validity, accuracy, timeliness and the mandatory perfect and certification Metro 2 Compliance. Attached below in red exhibits of incomplete, inaccuracies and unverified accounts/ and Fair Credit Reporting Act violations 623 ( a ) ( 3 ) required notice of dispute 15 USC 1681b -15 USC 1681e ( b ) - 15 USC 1681s-2 ( B ) ( A ) - 15 USC 1681c XXXX XXXX # XXXXXXXX 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 2023-05-30
Company: Nelnet, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This showed up on all 3 major credit bureaus as a collection item on my credit report. There was no notice ever sent by Portfolio Recovery Associates. I sent a letter to them requesting copy of original statement with my signature and they have failed to respond to the two letters sent certified mail. Unless they can provide proper documentation showing my signature this must be removed from my credit reports on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Santander Consumer USA Holdings Inc.
State: NY
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 recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: FIRST CITIZENS BANCSHARES, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Without notice, First Citizens closed my checking and savings accounts and I have not received a check for the combined balances ( about {$700.00} ). I opened the accounts in approximately XXXX to obtain a lower interest rate on a home mortgage loan then offered by the Bank. I enrolled in the paperless option, meaning that I received statements and other communications by email. I regularly reviewed my account statements online, most recently the XX/XX/XXXX quarterly statement which I received notice of by email from the bank on XXXX ( attached ). 

Last week, I went to the bank 's website to update my security settings. I was able to log in but my accounts were missing from view. I contacted the bank both by phone and secure message. The phone representative advised that my accounts were closed recently and a proceeds check sent to a Florida address I maintained from XXXX. But the written response I received on XX/XX/XXXX ( attached ) conflicts with that information and instead advised that the funds were escheated to the State of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
NFCU sold me a products and services that wasn't authorized to sell me at the time by SCC of Virginia as told me and voicemail left by Mr XXXX XXXX connected to the loan dating back to the first deduction XX/XX/XXXX from my checking account/credit card. Financial statemens from Navy Federal Credit Union proves the deductions XXXX monthly and XXXX moth dating back to XXXX to XXXX. I requested a FOIA Act and fradulent conditions against me as a member and a customer of Navy Federal Credit Union without my knowledge of knowing it committed fraud by selling me a financial product that they reported on my bank statements as Disability/ IU/AD knowing the product and services wasn't insured nor regulated by SCC Of Virginia Bureau of Insurance according to Mr XXXX XXXX while NFCU were receiving and charging me illegal payments of XXXX for products and services that never existed while allowing me to believe that I was purchased products and services that weren't licensed by Virginia Bureau of Virginia. This is Fraud and XXXX and NFCU through emails FOIA Act proves they both acted illegally to hide this FRAUD.. This caused me Hardships and causing my checking account to be overdrawn charging me XXXX repeatedly dating back to XX/XX/XXXX. 
While my health insurance and finances caused credit report to deny loans after 30 day notices. This was reported to Mrs XXXX XXXX XX/XX/XXXX and her secretary responded about GAP INSURANCE POLICY that NFCU GAP loan documents stated weren't included but resulted in Payment from GAP. that I also was charged for. NFCU has without my permission to misappropriate my funds through mail fraud and without license to sell products and services to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS, COLLECTIONS, AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY DIDN'T DO IT THE ONE ACCOUNT THAT THEY DID TAKE OFF THEY PUT BACK ON SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT

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 2023-05-30
Company: American Student Assistance
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer 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