BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: GVA Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I spoke with the company today and inquired about paying off my loan. I have received loans from this company for over two years so I am aware of how expensive they are. On several occasions when I have called to do an early payoff the representative has offered to waive the finance charge for the pay off. I always call prior to the due date of my loan. That was not the case this time. I had taken out a loan for {$800.00}. I have already made one successful payment on time on XX/XX/2018. I spoke to the manager and the rep who informed me that my pay off would be {$980.00} if I pay on the first. The manager stated that they are able to do so if several payments have been made. So basically after they have gotten more than enough money from you they will work with you. If I was able to make a payment today the manager offered me a discount and said my pay off would be {$750.00}. I also tried to inquire what the actual fee was for XXXX. The rep only told me there is an 485 % apr. Which i am aware of but that is not what I was asking. I referenced their website which shows an example for {$300.00} that payback is XXXX. I feel that there practice is criminal. Especially since I was asking for something that they have been able to do before. There are so many people that get these loans and don't pay them back. I am not one of those people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
When making a payment to Capital One in XX/XX/2018, the payment was never applied to my bank and therefore was reported late to the credit bureau when it fact it was made on time. The representative I spoke with on XX/XX/2018 was very rude and unprofessional. All of my payments before this one have been applied appropriately and on time. Capital One is claiming there has been fraudulent activity on my account but will not provide me with the information. I believe they are the ones whom have been fraudulent and perhaps have a representative using card holders accounts. They claim they can only speak to my husband whom is the primary. I have a card as well and have been making payments from our checking account for years. He has been out of the country and never even activated this credit card, only I have. He has mailed and faxed numerous letters providing all the information they have asked for in order for them to speak with me regarding anything pertaining to this account. I want this situation resolved asap and my credit report fixed as well in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX has violated my right under the FCRA Accounts # XXXX XXXX Amount {$1400.00} Opened XX/XX/2021 Accounts # XXXX XXXX Amount {$1700.00} Opened XX/XX/2021 The above listed accounts were Charged-Off, however XXXX failed to provide me with 1099-C form for tax purposes. Secondly, they are reporting a balance amount on a charged off account that should be XXXX balance. 
These two accounts were over 75 % paid off before XXXX XXXX XXXX XXXX XXXX i infomed the company of my situation, they agreed to give me more time but didn't, the continued to bill my bank account until there was no more money then they charged off the account for over 400 % of the remaining balance. 
this is evil, unethical and illegal in my judgement. 
This is indirect violation of my rights under the law. Please help me, this is destroying my life and hurting my family. Thank you..

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 2021-12-07
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Kikoff 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:
In Accordance with Fair Credit Reporting Act Kikoff Lending LLC Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NJ
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, has violated my rights. 

15 U.S.C 1681 section 602 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered a consumer credit transaction with NAVY FEDERAL CREDIT UNION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that NAVY FEDERAL CREDIT UNION claim I owe. NAVY FEDERAL CREDIT UNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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:
Theres many accounts on my credit report that does not belong to me. Not only am I a victim of identity theft, but I also believe I've been wrongfully charged, and also never notified first for any of these negative items. I could have made them aware its not mines before destroying my financial image. Also the following federal codes has been violated when it comes to my rights. 
15 U.S. CODE 1605 15 U.S. CODE 1692 15 U.S. CODE 1635 ( F ) 15 U.S. CODE 1644 ( A ) 15 U.S. CODE 1662 ( B ) My FTC File number is XXXX I've also submitted all of this through the XXXX portal under my login, so theres no reason for XXXX to request verification docs.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The credit bureaus have not been doing their part of the job, I have been waiting for a response from them for months for some letters that I have sent and they do not respond to me

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 2022-06-14
Company: Phillips & Cohen Associates, Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was called at XXXX on XX/XX/XXXX from Phillips & Cohen Associates LTD , A Debt Collection Company, Looking for Another Person. When the Call took place, I was in bed sleeping and was woken up by the phone call, so I missed that call, So I got up and made the return call at XXXX. When I called back, a rep answered the phone and asked for my name, I told them my name was XXXX and they Hung up the phone. I called back and spoke to another Rep, They answered and asked for another person ( XXXX XXXX, my Ex Wife ) immediately, I replied I was not that person, but that was the wrong number, They also then just hung up. I called back again and spoke to another Rep who then explained they were a collection agency and they were looking for another person. I informed him that I was not that person and that they were breaking the law by calling people so early waking people up, he replied that they called for the time zone for another person and it didn't matter what my time zone was that my phone numbers Area Code is part of another time zone so they can call within the hours of that time zone. I have reported this infraction to a Dept Manager for that company XXXX XXXX. I can show proof of Calls with Phone Records. 

XX/XX/XXXX Original CFPB Complaint # XXXX, XXXX system closed original complaint because they thought I didn't file complaint. My name is XXXX XXXX and I am filing a complaint against Phillips & Cohen Associates LTD for Breaking the Law ( Fair Debt Collection Act ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: 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 is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, JP MORGAN CHASE Bank processed a dispute of a debit charge from my account in the amount of {$2900.00} to XXXX. They reversed the payment and handed me a temporary credit. I immediately called to tell them that this was not a fraudulent charge that it was my mortgage payment and it should be processed. On XX/XX/2021 JP MORGAN CHASE canceled the claim and removed the temporary credit of {$2900.00} from my account but they didnt send it back to XXXX. It is now XX/XX/2021 and my money is still to be received by my mortgage institution, TDECU, or back into my checking account. I have called JP MORGAN CHASE multiple times and its always the same excuse that it was 45 days and now that the 45 days are up that I have to wait for XXXX. This was not a credit card charge this was a debit card charge - that money is mine and JP MORGAN CHASE has been keeping it since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: AXOS FINANCIAL, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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.

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 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. 

MY BANKING INFO SHOULDVE NEVER REACHED MY CONSUMER REPORT. THIS IS IDENTITY THEFT, YOU SHOULDVE NEVER MADE MY PRIVATE INFOMATION PUBLIC. 

I NEVER SIGNED A OPT IN LETTER!!! SHOW ME PROOF AXOS BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage marked my mortgage payment as late, on XX/XX/2022 and subsequently reported it late to all XXXX credit agencies after I submitted it through their online system after XXXX on the XXXX day. They said that it is their policy to mark the payments as received on the next business day of it is submitted after XXXX ET on their website. This was unbeknownst to me. The law clearly states it has to be XXXX days late, which is was not. I've tried calling and talking to them on multiple occasions but to no avail. This dropped my credit score immensely, and harmed my ability to get a more favorable interest rate on a refinance opportunity. I am sure I am not the first or last person this has happened to. 

I'd appreciate any assistance you can offer to get this late report off of my credit report ( s ). I have never been XXXX days late before or after that time, and it was clearly paid before that time in this instance as well. Their internal processes should not impede my rights to pay my bills on time, and it be marked as such. 

Thank you, 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 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This past XXXX I lost my wallet. My Bank of America credit card was used to book a hotel reservation in XXXX for over {$2200.00} dollars. I immediately called BOA 's fraud department and told them what happened and that I had not made that charge and to please cancel the card. They did, sent me a new card and said not to worry they would take care of the unauthorized charge. 

The following month I noticed the charge back on my account. When I called them a second time they told me they decided no fraud had taken place. I asked them to reopen the case and to have the security department call me with any questions which they never did. Two months later they sent me a letter saying that they would not reverse the charge because the person that booked the reservation never actually stayed at the hotel and therefore there was no fraud. 

Just because they didn't catch the person that made the reservation doesn't make it any less fraudulent. I don't understand how they're claiming it wasn't fraud. Someone still used my card and it wasn't me. How is that not fraud? They didn't do their job and now they expect me to pay for it. The sick part is I probably could have called the hotel and gotten them to cancel the reservation I didn't make but I thought it would be better to let them handle it. 

They are now harassing me every day trying to get me to pay for a charge that isn't mine. Please help.

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 2023-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Experian, XXXX and XXXX to dispute several things on my credit report that are fraud. Ive also filed a report about my identity being stolen and they still wouldnt help. They refuse to remove these fraudulent accounts from my credit profile. 
The accounts are listed below XXXX XXXX for {$2600.00} XXXX XXXX For {$850.00} XXXX XXXX  for {$450.00} XXXX XXXX for {$2700.00} XXXX XXXX for {$730.00} None of these accounts are mine and the credit bureaus have been no help in getting them removed. I have repeatedly disputed them and nothing has happened.

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