BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Nav Technologies, Inc.
State: CA
Product: Credit reporting 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:
This is essentially a case of false advertisement and terribly rude customer service. I signed up for Nav 's " Nav Prime '' membership and its XXXX XXXX {$10.00} service today, XX/XX/XXXX Three ( 3 ) of the most important features I paid for are unavailable. 

1. ) The XXXX XXXX service I paid extra for is completely unavailable to me. When I attempted to use the XXXX link to access my business ' score, it provides an error message stating, " Something went wrong. It looks like the page you're looking for doesn't exist. '' Error screenshot attached. 

2. ) When I attempt to apply for the Nav Business Checking, it provides an error message stating that it " ... .is n't currently live in your state ... '' Error screenshot attached. 

3. ) When I attempt to apply for the New Prime card, which was advertised ( please see attached advertisements ) as being " exclusive to Nav Prime members, '' it also provides a similar error message. 

I attempted to chat in and reached representative XXXX. The rep provided no apologies or empathy. At best, she offered absolutely minimal technical support assistance, and, instead, mainly tried to express the *other* benefits of Nav Prime membership. When I finally asked for a full refund, she said, " In order for Nav to process a refund you will need to call in ... '' Screenshot of the chat attached.

So, I called in as instructed, & after waiting on hold, received another unhelpful representative, XXXX. After explaining why I wanted a full refund ( false advertisement & inability to access features I paid for ), she tried saying I wasn't eligible for a refund. 

After demanding to speak to a supervisor, she allegedly put in a ticket for a supervisor to call me back in 2 business days. She refused to transfer to me to a lead or supervisor. 

This is absolutely ridiculous. I signed up, started experiencing issues accessing paid for services, and immediately tried to reach out. I have gone ahead and cancelled any renewal. However, I want a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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:
The right to contest my credit report is something that every XXXX has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! Debt loadurbances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This complaint arises from XXXX XXXX breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. 

I entered into a financial agreement with [ XXXX XXXX XXXX XXXX ]. 
As part of this agreement, XXXX XXXX issued to me a XXXXond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3.

Blacks Law Dictionary 6th edition defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note.

Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V.

Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298.

Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C.

3-301.

If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. 
XXXX XXXX refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. 
It falls upon XXXX XXXX to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. 
By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX XXXX XXXX. 

UCC-1 Filed by The Federal Reserve even says that all bills are prepaid

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 2023-04-19
Company: Experian Information Solutions Inc.
State: NV
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 just recently reviewed my profile and Im very upset to the result that I have received. The Credit Bureaus failed to properly investigate the matter by and have continued reporting unconfirmed & unverified information. I never received any notice from these companies that my dispute is truly mine or correct. Please remove the items below in my file : 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

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 2023-06-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This loan was as a result of getting new gutters installed from XXXX Filters. Was told interest free for 18 months. At the end of the 18 months because loan was not paid in full the financial institution added the whole 18 months worth of interest onto the balance. Now I owe almost the amount of the original loan. I actually had a previous interest free loan thru another institution and had no such problem. There have been additional payments made on this loan thinking to pay it off soon. Received no notification that the interest was going to be added. Hoping for some 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX  XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}

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 2023-06-07
Company: Experian Information Solutions 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:
I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX XXXX XXXX, EXPERIAN and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX XXXX XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with XXXX and EXPERIAN who are allowing XXXX XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or EXPERIAN permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX and 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased an expensive lens from the XXXX marketplace on XX/XX/XXXX, for XXXX USD. The guy looked legit on XXXX, so I pay via XXXX on the Bank Of America app and got a tracking number. I waited and never received it. The seller never contacted me back, and I call XXXX and the tracking number was a different delivery address but the same area code. It was girl scout cookies. I Was Scammed, and they had someone on the inside of XXXX providing fake tracking numbers. I immediately called Bank of America for the Scam and filed a report. After many phones call to get updates on the Scam report after almost A month, and going into a budget after loosing so much, I finally received a final answer. That Bank Of America will not refund my stolen money. I called them to find out why they chose not to, after being a ''loyal customer since XXXX '' as all the operators say to me. They explained to me they contact the scammer, and tell them to refund the money back, and occasionally they do, and many times they don't. Such a weak customer protection service. But also the scammers were smart, they had someone on the inside of XXXX to stall long enough with a real ''fake '' tracking number long enough for the transaction to fully pass. By the time the Expensive lens was supposed to arrive, 7 days have passed from shipping it from XXXX to XXXX XXXX. I demanded I will not leave empty-handed To BOA customer services, but there was nothing they can do. They suggested contacting the FBI and Police report, but what good will they do when the scammer has been located to be a XXXX scammer, has international borders away, and is currently in a proxy war with XXXX right now. That will only waste more time, out of the hard-earned money I've been saving for almost 6 months. I hope this report will bring the attention of the stolen funds I rightfully deserve back, I thought I could Trust Bank Of America as everyone in my family use them for many years, including my parents for at least decades. But turns out that when it comes to scams they can protect me or honor my stolen funds. Now I have doubts about my bank in taking out future loans with them for a mortgage, or a car now. No protection

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 2021-07-14
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: Account information incorrect

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as the true and lending act 15 USC 1666 ( b ). Reporting inquiries without my permission and the latter responsibilities of furnishers of information to consumer reporting agencies to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-04-19
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 explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/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 2023-06-10
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I got an auto loan through XXXX via Bridge-crest XXXX summer 2022. The lender has charged me a {$30.00} NSF fee every month since I got my auto loan. I have spoken with my financial institution and was assured that payments were indeed made. even though my financial institution has proof of those payments being received by Bridgecrest, Bridgecrest has continued to charge me the fee. 

I have reached out to Bridgecrest every month with no real explanation being given as to why they are doing this. When I login to my Bridgecrest account, the payments were received. 


Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2019-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX I notified XXXX, Trans Union and XXXX  of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/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 explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2023 I made a payment regularly to XXXX XXXX for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to XXXX XXXX who is saying they have no record of the call! 

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.

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: 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: Investigation took more than 30 days

Complaint:
I was told that my gap insurance was going to pay the balance and I explained that to the bank. I was unaware that the bank kept charging the account day by day. Once I noticed it was around XXXX and I wasnt Able to do much but pay off the balance. It is effecting my credit in the wya it is hard for me to get another vehicle. I would like for something to be done for the reason being I was in the thought of my gap insurance paying that balance off.

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