BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-09
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: Information belongs to someone else

Complaint:
This account submitted a letter to the company and all the agencies that report on my credit kindly demanding a verification of the information, since it presents wrong information negatively affecting my credit report. 
After several attempts, it was not possible to obtain a response from the issuing bank saying that they do not have this account but the agencies continue to report it and in the same way we have not obtained any response from the credit agencies.

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 2023-05-26
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX - XXXX $ XXXX XXXX ) XXXX $ XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XX/XX/XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ I ask them to provide me with details on why my claim is being denied if these transactions were unauthorized, I got a email stating nothing at all, i did not get proof to why my dispute is being denied I be going through this for months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This inquiry is in response to the Public Service Loan Forgiveness Program. I will have worked full time as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 10 years this XXXX. Several of us have applied for PSLF. We all get different reasons as to why we don't qualify for repayment at this time - more specifically why our previous payments don't count. If we were paying off Direct Loans every month for 5 years prior to consolidating, why doesn't this time count? What is the reason for not counting years of payment? We have made payments on our Direct Loans every month for 5 years and we are not hearing a logical reason why these don't count except that " they don't qualify ''. We're disheartened that this program exists but is so restrictive that it doesn't really live up to the spirit of why the government initiated this program -- what we hear is " If you have made 120 payments towards a Direct Loan or  otherwise qualifying loan and you have worked for federal service for at least 10 years, your loan will be forgiven ''. Why all the fine print that disqualifies most applicants who meet the previous statement? We would like to escalate these issues in order to allow those who have worked for 10 years for Federal Service and made dedicated payments on Direct Loans to receive the intended benefits of this program. It's noted that as of XX/XX/2019, only 864 applicants have ever received the benefits of this program and judging by the amount of applications that flow through our office way more employees have applied and met the 120 payment/ 10 year requirement. What are our options to escalate this? Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I learned that BOA only credits .05 % on savings account balances, which is egregiously low in this interest rate environment. I can somewhat tolerate a low interest rate on a checking account as it provides free checking, automatic deposit, and overdraft protection. But what exactly is the purpose of the BOA savings account? Why should anyone put any of their hard-earned money into this product?

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 2023-05-26
Company: American First Finance, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX i requested a loan from American First Finance bank which i paid in full, i even have the payment invoice and the confirmacin of the clased account .I called personally to make the Last payment and asked if l owed {$13000.00} because it appeared in the report from a unin which they told me that l had no debt and today i called and if they confirmed that te debt is not mine, for which i confirm that i have been victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX account number XXXX has violated my rights and HIPPA violation 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 2023-08-03
Company: Experian Information Solutions Inc.
State: NC
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Missing check : Condo fee {$410.00} check from XXXX by XXXX online XXXX hasnt been shown on XXXX XXXX XXXX XXXX account, Citizens bank. However the fund was drawn from XXXX but fund hasnt transferred to Citizens bank. XXXX claimed issue at XXXX and I claimed issue at Citizens Bank. Both bank avoided responsibility and communication each other than helping XXXX and XXXX. 
Put XXXX ' name and number XXXX XXXX XXXX from XXXX XXXX XXXX advanced services in the complaint so that they know the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: ALLY FINANCIAL INC.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX My wife and I purchased a relatively new, but used car, a XXXX XXXX XXXX, It was our first nice vehicle and we made this decision in anticipation of a cross country move. I had just enlisted in my first XXXX XXXX contract with the XXXX and we were moving from XXXX  to my duty station in XXXX. We were excited and figured this vehicle would last and be reliable and safe for our XXXX year old daughter. 

XXXX - XXXX The vehicle proceeded to have issues with the transmission multiple times and only one was covered by warranty. In the wake of a XXXX, multiple training events and preparing for a XXXX we started to struggle a bit financially, and we did have some late payments, but we corrected them with the lender. 

In XXXX, XXXX  XXXX, due to new mechanical issues and a growing family we wanted to trade the vehicle in for something more reliable, something we didn't expect to have to do, however negative equity on the vehicle did not allow for this, and instead had to finance a second vehicle ( different lender ) and it was a major financial strain to make two vehicle payments, especially when this XXXX was nearly inoperable due to the transmission. So we negotiated a voluntary repossession with the local XXXX dealer who understood the situation and would deal with Ally ( creditor/lender ) The account was charged off and the account froze at the 50 percent we still owed. 
Ally has been somewhat fair, in not ever putting the account in collections, however there has been a fresh charge off every month since, and has significantly impacted my attempts at correcting my credit scores, since the struggle my family and I had experiences while I was in the military. 

I have disputed them through all 3 bureaus, and they did delete some history, but Ally have still affected my growth and history each month, since most recent charge off is dated for 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 2023-07-09
Company: Experian Information Solutions 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:
You have 7 days to correct my credit report or I will put a lien on your company with XXXX XXXX XXXX for {$350000.00} for each use of my copyrighted name./property since 2019. I did not give you written permission to use my name or ANY derivatives of my name, it is Identity theft according to 15USC 6802. Also, late payments are Illegal 15USC16819 ( A ) ( 2 ) ( i ) ( Exclusions ). There should not be any collections on any of my Credit Reports XXXX, XXXX or EXPERIAN, XXXX XXXX, or Any and All Other Credit Reporting Agencies. ALL BILLS ARE PREPAID ACCORDING TO ( 31USC3123 ) All Collection Companies such as XXXX  XXXX XXXXXXXX ACCOUNT # XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A Lien will be put on these Companies as well with XXXX XXXX XXXX All these Credit Reporting Agencies and Collection Agencies listed are to CEASE & DESIST remove any and All Balances SUBMITTED AND ALL DEROGATORY INFORMATION AND INCLUDING ALL INQUIRIES AND ALL OLD ADDRESSES/ALL PHONE NUMBERS IN THE NEXT 7 DAYS. ( PLEASE SEE THE COPYRIGHT ATTACHMENT ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax credit services is reporting anan account that's over 7 years old and needs to be removed from my credit report the account number is XXXX acct name is XXXX. the account and the account history needs to be removed immediately it is past 7 years old as of XX/XX/2012 failure to do this will be against a fair accident I've tried for over a year now it is as of date 7 years old needs to be removed from my credit report the account and the account payments history.also they need to remove all my previous addresses which I sent them several letters and two which are not my addresses. I've screenshot of my credit report that I just pulled on my credit monitoring site I have documentation and paper trail of every letter I sent and credit report please see attached for addresses that need to be taken off and also what is appearing on my credit report and the date XXXXwhich is over 7 years old and needs to be removed immediately thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment to my credit card thru wire transfer credit card company got the money applied to my account but then it disappeared they wouldn't tell where is my money or wont give it back

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 2022-12-22
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My mother in law purchased 6 {$250.00} giftcards for XXXX. In XXXX I went to activate my card and check the balance, {$240.00} or the {$250.00} had been used to make purchases in California. I am located in Utah. 

I called the company that issued the card " Prepaidgiftbalance.com '' and spend 1 hour and 30 minutes on hold. The person I initially talked to " passed '' me to a second person - that took an additional 30 minutes on hold to speak to. So I held for 2 hours. 

This person took my information and promised to send an " arbitration form '' - and that it would be mailed the next day. I did receive the form but the form stated I had 10 days from the date on the letter to file a complaint or my complaint would become invalid. By the time I got the form, I had ONE DAY to send in. I completed the form, faxed and sent by certified mail and I have not recived a replacement card or any correspondence from XXXX. 

Looking on line, there are literally THOUSANDS of complaints against this company for fraud, so many that I am astounded they're still operating. I think US Bank actually is the owner of these cards, and I can not believe US Bank is okay with this. But I guess it's all about how much they make. In this case, US BANK has stolen {$1200.00} of my mother in laws money and made it almost impossible for any kind of recourse. 

My next point is if XXXX is legit, how did ALL 6 of the card my XXXX in XXXX bought all have fraud on them - I'll tell you why. Someone is leaking the card numbers to their friends who work at XXXX and other retail stores. This wasn't some random " your card was compromised '' this is theft. It's THEFT from US BANK and from 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 2023-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I used my Capital One Ventura Credit Card in XXXX XXXX  or XXXX XXXX  XX/XX/XXXX. The APR was XXXX XXXX  The very next month the APR went to XXXX XXXX. They hiked the APR on the card when I put {$2500.00} on it, the most ever used so they could get the most profit, but if I " hadn't '' used the card the APR would still be XXXX XXXX  Why couldn't they communicate to me about the APR increase that way I would just pay cash for the purchase. I have paid {$400.00} beginning in XXXX, and only {$70.00} has gone toward the account as of XX/XX/XXXX. Then they charged interest on the XXXX XXXX yearly membership fee. 
Over {$56.00} interest each month from the {$100.00} payments I made since XX/XX/XXXX. When I asked they said that my APR can be raised at any point, ok why wasn't that communicated, I asked does it make it ok to have my account credited for only {$70.00} when I have paid {$400.00}, which I pay on time each month. This is basically giving money away to them when I thought I was paying my bill down enough to pay it off. The lady told me if I didn't want to pay interest to just pay it off. I told her that the reason for having a credit card was to pay for it monthly and see the results of my monthly payments. I asked her did she think it was fair to raise the APR just because I used the card without telling me because if they had I wouldn't have put that much on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: NAVY FEDERAL CREDIT UNION
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The NAVY FEDERAL CREDIT UNION is advertising helping during this Pandemic by giving personal loans to help their members through the Pandemic crisis, however, when you apply its a regular loan application and naturally, theres only selective members that get approved. I have owned for home in the XXXX for several years but can't use it as collateral because there are no credit bureaus here with which to report it. And I was told by three banks here that they do no business with American Credit Bureaus, so what is a person to do? I have three direct deposits every month with Navy Federal, VA XXXX, Social Security Retirement and an Annuity from the Federal Government so there should be no question of my ability to repay a small loan. I think its somewhat discriminating for them to approve some people when they boast about helping Veterans when this is a untrue statement. They should say they help Veterans if you are already well off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: W&A Intermediate Co., LLC
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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if all derogatory remarks are not removed from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XXXXDate : Dear Sir or Madam/To Whom It May Concern, On Today I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update XXXX XXXX XXXX. XXXX we brought current so please update this asap. We updated CAPITAL ONE AUTO FINANCE with a loan modification/settlement. Please correct my credit report by law you must report correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax continuously does not properly handle disputes nor do they update any of my information and payments and balances to reflect accurate data. They have not updated my XXXX account in over 3 months. 
Information needs to be updated! 

This is just one example as they never handle anything over the phone and they don't have any disputes I file. I've attached one example to show how they have not updated any payments made for 2022 yet I have made payments and the other credit bureaus have. 

My credit score for this Credit Company is 40 points lower than the others because of this problem.

Company response to consumer: Closed with explanation