BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 XXXXA XXXX VEROS CREDIT 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 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

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 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I called the Bank of America visa activation number on Wednesday, XX/XX/2023. I called the number that is on the sticker on the credit card I just received through mail. 
They immediately mocked my accent and so discriminated me because of my national origin. They refused to activate my card. Then they told me that if I want the card then I must physically go to a nearest bank site that is XXXX miles away, this was very cavalier and discriminatory. I am near XXXX that is the XXXX XXXX Idaho but they said I must physically go to XXXX XXXX in XXXX Idaho that is XXXX miles from XXXX. They did not wanted to give me credit so they send me to XXXX XXXX. I made XXXX phone calls to them but they continued to mock my accent and repeated that I must go to XXXX XXXX. 
My civil rights were violated. I was discriminated in access to credit because of my national origin, race, XXXX and age

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 2023-06-02
Company: Navient Solutions, LLC.
State: OR
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:
DOE has instructed XXXX XXXX borrows who intend to separate their loans to request administrative forbearances on their student loans since the separation process wont be available until late 2024. However, Navient refuses to process any sort of forbearance on my student loan account and only refers me back to the DOE because they havent received any guidance on how to process the forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX. I am a victim of identity theft. I filed an FTC report. and notified the XXXX, Transunion, and XXXX about the fraudulent accounts. I sent the information via certified mail.

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 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Bank of America has NOT responded to countless attempts to resolve a fraud dispute. 
Bank of America should protect me from fraud, and not only are they upholding fraud against me, they have NOT responded to me from day one. I have records to prove it inclduing social media correspondence of me pleading to get Bank of America, just to take my call or answer my questions. They completed ignored me. 

I initially filed fraud claims with Bank of America Visa Credit Card in XXXX of XXXX. I provided them with the full history and detailed explanation of what happened with All in One Moving and Countrywide Relocations in writing and via phone. 
I received little no information from Bank of America, regarding everything from the correct amount owed on payments every month, to the status of my claims and could not get clear and concise information from Bank of America at any point. 
I repeatedly tried via phone, email, fax, and social media along with claims filed with the Consumer Financial Protection Bureau. 
Claims at no point despite countless attempts to contact them regarding these issues, returned my calls or attempted to clarify anything. 
I was assigned a Resolution XXXX, XXXX XXXX, who had promised me from day XXXX that she would contact me with her direct email, phone number but failed to do so. XXXX failed to update, reply to messages, answer calls or provide updates since XXXX. On the rare occasions I did speak to her she would say, she will follow up with me but would not. When I spoke to XXXX in XXXX she said she would contact her boss and the claims department and call me back everyday to give an update but did not do so. Even XXXX, on a recorded line, had admitted to me that she didnt understand what the claims department needed from me/ asked of me and would get me the info, but she failed to follow up. 


Bank of America is denying the claim, based on a technicality of time NOT anything substantial. 
I have been a customer with Bank of America for XXXX years and I am a stockholder and have never experienced treatment and/or service from them like this. 

I have asked for XXXX to put her boss in contact with me and the head of their claims department and she's ignored requests. 

XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX ext. XXXX Case # XXXX I was defrauded by All and One Moving and Storage for {$8000.00}, which is NOT a valid business and was shutdown by the state of New Jersey and is NOT authorized to operate.

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 2021-10-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/2021 I received an email Alert from Experian, stating a new payday loan has been found associated with my identity. No further info was provided. Experian online site suggested locking my Experian report and freezing XXXX and XXXX reports. STILL NO INFO GIVEN REGARDING LENDER NAME, LOAN AMOUNT OR LOAN DATE. Yet site suggested contacting Lender if loan isnt mine. When I called Experian, I was transferred to at least 3 different agents. All told me I had wrong department, transferred me back and forth until I hung up, and refused to tell me identity of Lender. Between agent accents and technical noise I could barely understand what was being said. I do know I was told to contact Lender but nobody would tell me who the lender is, stating that is sensitive information. I didnt take out a Payday Loan, therefore how can I contact an unidentified lender? My credit scores are very high. I do not want to lock my reports without relevant information. I insist Experian provides me with the loan information - Lender name, loan amount and loan date.

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 2023-10-11
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit report was flagged from the company named " Zions Debt Holdings LLC '' I was never sent any information from this agency via email, mail, or phone. I discovered this from the credit report. I am the victim of identity theft and this debt is a result of fraud. This debt is in not in my name. The debt is in the name of " XXXX XXXX '' My name is " XXXX XXXX XXXX '' I am the sole owner of the social security number " XXXX '' I have never went by any other name, nor have I ever changed my name. I called Zions Debt Holdings LLC who confirmed the debt/collection was under the name " XXXX XXXX XXXX not " XXXX XXXX XXXX XXXX XXXX I informed them that the debt was not mine, and the debt was made under fraudulent premise using my social security number. I also informed them that I never had an account with the original consumer " XXXX ''. I also informed them that they were the XXXX collection agency trying to collect for a fraudulent debt. I have reached out to all XXXX credit agencies and added a fraud alert on my credit report. I have also uploaded a copy of my drivers license and social security card for verification. Zions Debt Holdings was not interested in resolving this issue and was dismissive.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: NAVY FEDERAL CREDIT UNION
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:
I was contacting companies to refinance some Merchant Cash Advances and relied two offers. This guy contacted me and was going to fund me with repayment terms however her told {$5700.00} from my account claiming that it was his FEE and then refused to respond. 

He went by the Name XXXX XXXX in email with a phone number of XXXX. He also had me call these numbers for verification XXXX and XXXX. I recorded phone calls and to the best of my knowledge it is the same person. I called him back and argued about him not following up on the deal nad he pretty much laughed at me and assured me that it would be handled and that I jsut needed to put more funds in my account. 

I ended the call by asking his company name again, to which he Said XXXX XXXX and then I said and you are XXXX XXXX correct, to which he responded the one and only.. However I am aware he was going by XXXX XXXX in emails. 

He took my money and is not returning it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 # xxxxxxxxxxxx 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 Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I was alerted of three fraudulent charges -- all made in-person via XXXX XXXX  to XXXX XXXX and XXXX XXXX. These charges eqauted to just over {$8000.00} in purchases made without the card owners ( myself and my husband ) knowledge or permission. Chase initially confirmed it was fraud with someone using XXXX XXXX to pay in-store in XXXX, XXXX. These transactions happened on XX/XX/XXXX and XX/XX/XXXX, at the same time that my husband and I, the authorized users on the card, were in XXXX XXXX and XXXX, respectively. During that time, my husband and I were making purchases in XXXX XXXX and XXXX  with the card chip while these fraudulent charges occurred via XXXX XXXX. I was initially credited for these charges but was then rebilled as Chase deemed it was not fraud. 

Upon asking for clarification on why it was deemed not fraud, it was noted that they could see someone logging in/out of the Chase account on XX/XX/XXXX and they do not understand how someone could have our password to do this. Great question, neither do we which is why we immediately changed both our credit card and account login information upon this happening. 

I have proof through photo location ( and could obtain additional proof through cell phone records ) to show we were not in XXXX at the time these purchases were made and that these purchases were not authorized by us. 

Throughout this, Chase has been treating us like criminals, not customers. They have not been able to provide any rationale as to how this is not fraud and it is clear they have not taken the proper steps to review the charges. We have since reached out to XXXX XXXX to file our own claim and have also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
{$3200.00} was transferred to an account that was not authorized. I filed a police report and was denied saying " no error occurred ''. This is caused by identity theft that was confirmed by XXXX. I also had credit card applications put in my name that wasn't approved. Police Report reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I was approved for a Bank of America secured credit card and never received it after my deposit was withdrawn. The manager XXXX XXXX was very rude and was not helpful. Also the claimed I didn't receive the card because my account was overdrawn which it wasn't and I had BOA customer service rep verify and I was still denied after been told I was approved. This was an hard inquiry accrued on my account for nothing. WORST CREDIT CARD COMPANY EVER!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
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:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2017-01-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient at no time helped me to reduce my payments to income based. Due to that I am not over a XXXX dollars behind. Anytime I would contact customer service, they would state that I based on my income I would have to pay nearly {$300.00}. I only have XXXX loan with them and over XXXX in federal student loans. The federal loans allow a lower payment based on my income, nowhere near the {$300.00}. I constantly get calls from them Morning and night even after XXXX, and XXXX and XXXX. They say they will work with me, but I have to somehow pay the {$1200.00} and they know I can not do that and all they tell me is you need to or you will always stay behind and it will be reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX a verbal one time electronic funds transfer was completed for the full payoff amount authorized paid to the order of Capital One XXXX in the amount of XXXX. Prior to this the account was in a conditional acceptance process with provisions the company was to follow if no valid response ( release of lien was one ) and a notice to of fault and opportunity to cure letter was emailed and sent certified mail to them in XXXX of XXXX as well. 

I received a letter dated XX/XX/XXXX stating that the account was paid in full and that I could expect my title to be released to me in 5 business days. It also stated on the letter at the bottom as a disclaimer " If payment is returned for any reason, Capital One Auto Finance will not remove the lien ... '' Based on this and more evidence I will discuss this account is PAID IN FULL. 

On XX/XX/XXXX after 5 days I checked and my payment hadn't been returned and title was not released. I received an email threatening they were going to take unlawful possession of my property and out of duress I made another payment because i was afraid even though I knew it had been paid in full. 

On XX/XX/XXXX I received notice from my Credit monitoring that the account was now listed as Paid in Full as of XXXX on both XXXX and XXXX. On XX/XX/XXXX I received a letter in my mailbox dated XX/XX/XXXX that stated " As of the date of the letter Capital One Auto Finance does hereby release it lien and/or encumbrance.. '' It listed all the names and companys that was or could potentially be party that had released the lien. At that point i went online and saw my electronic lien was dismissed and still is as of todays date. I printed my title and I have it free and clear in my hands today. 

I have not been bothered by this company since the release of my title. They were placed on cease and desist back in XXXX of XXXX unless to speak about the release of lien which they have completed. I thank them greatly for acting with honor but now there seems to be a problem. 

I received a misleading and threatening letter on XX/XX/XXXX stating they were going to unlawfully take possession again even though they have no valid lien or encumbrance. It was released due to to either satisfaction or stipulations of conditional acceptance. I also noticed at that time that they are now reporting on the bureau that this account has been charged off and/or closed and they are reporting late payments inaccurately and not reporting payments that were made. 

If this account is either of these things paid in full, charged off and/or closed then why am i receiving these threatening letters that are causing me unjust mental anguish. I just want this company to truthfully report and leave my family alone.

Company response to consumer: Closed with explanation