BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: Improved Data Services LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am receiving calls which are even calling me at my job asking to speak with my supervisor and tell him that I steal money from him, I felt threatened by XXXX XXXX who calls me from the number XXXX on behalf https : //improveddataservicesllc.com/ he says that I have a legal problem and that I go to jail if I do not pay him, I would like to be sent proof that I made a loan to this company, I am afraid they are trying to make me lose my job.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I contacted the company to opt out of sharing my personal information with third party non affiliates per 15 USC 6802 and 16 CFR 313.7 ( f ) Continuing right to opt out and no action has been taken by the company.

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 2021-01-20
Company: Carvana Group, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX, I secured a loan for a XXXX XXXX XXXX through an online car vendor, Carvana. At the time of the purchase there was a limited warranty in effect. I drove the car the day it was delivered and heard a clicking ( or rattling noise ), but assumed it was a characteristic of the vehicle make ( XXXX ) since I had never owned one before. Immediately following delivery of the vehicle ( the following day ), the car would not start. I had it towed to a recommended repair facility ( XXXX XXXX- XXXX XXXX   XXXX XXXX, XXXX XXXX NJ XXXX ) where I had informed them of my concerns and asked them to ensure that the any necessary repairs were taken care of. Although I did not feel satisfied with the response that I was told it was only a battery that needed to be replaced, I trusted what I was told since the vehicle was looked at, at a licensed repair facility. Fast forward a month or two, I was directly impacted by the current pandemic by being laid off of my job, XXXX XXXX for the XXXX and having and owned a " new '' vehicle that I was having issues with. I called back and spoke with a woman about this issue who instructed me to take the car back to a repair facility, however I was unable to take the car since I knew I had to quarantine for the safety of myself, family and others. About a week ago now, the check engine light in the vehicle came on but at this time, I am approximately 5k miles over the mileage limit to be covered under the manufactures warranty. I had to have the truck towed to the dealer as it was not reliable at the time because it would shut off had I attempted to drive it. Ultimately, I ended up paying approximately {$400.00} out of pocket for the repair which should not be responsibility. I KNEW there was a pre-existing issue and made multiple attempts to inform who I needed to, however the repair facility, warranty company AND dealer never documented my attempts to have this issue resolved. I spoke with a helpful representative today ( XXXX ) who said that he could see in his system a record of my calls, but then transferred me to a woman who said she could not and she disconnected the call once I informed her I would write a complaint to the CFPB. I advised her that I had spoken to their warranty company XXXX XXXX XXXX XXXX the day prior and was told that all she had to do was to inform them of the documented issue, however she is saying that it was not. As a customer, I feel that I am being treated unfairly and subjectively without the root of the issue being addressed. I am out of work and have an additional financial burden at this time and now the vendor will not assist in resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: AES/PHEAA
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After four unsolicited " transfer or sold '' servicers of my student loans, I have been with FedLoan since XXXX of XXXX. I have been working toward the PSLF program having submitted my first employer verification form in XXXX of XXXX, another on XXXX, XXXX and XXXX. I have worked for the same agency 18+ years. I first contacted Fedloan in XXXX of XXXX asking about my " qualifying payments ''. They responded that I had 11 qualifying payments. I then made at least 4 email inquiries asking them what form of proof I needed to submit to prove additional payments had been made and under the correct plan. I then contacted them in XXXX of XXXX, and was told my payments were still at 11. I contacted them in writing again in XXXX of XXXX and received a response from them in XXXX of XXXX saying I had 11 qualifying payments, after I had made at least 30 qualifying payments directly to them. I then spend endless hours reviewing an gathering my documents which proved qualifying payments. I once again requested an update on my qualifying payments and was told I had not re-certified my employment, which once again I had, but I resubmitted it. In early XXXX of XXXX I logged into U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM ( NSLDS ) and they reported that I had made 114 monthly payments made ( 114/120mo ) 95 % toward my PSLF. I contacted them again and asked how to get this corrected. they told me that the NSLDS was incorrect, and that only Fedloan could decide my qualifying payments, and it could take 3-6 months to do so. I once again asked who could receive my proof of payments and they said they did not need them as they had all of the history on my student loans. They then failed to process my IBRP paperwork that was sent on XX/XX/XXXX, so my payment jumped to XXXX a month which caused me overdrafts at my bank, and for ht first time on years for my loan payment to be late. I got that resolved an returned to my auto pay, Today I checked to see what they had for " qualifying payments '' and it said 71. I then logged innto the exact same U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM ( NSLDS ) and found they had changed my qualifying payments to 71 as well, in addition to other information on the report being changed. I have every document needed to prove payments were made that far exceed the 71 I am currently being credited with including credit bureau records. I could produce all email contacts and proof of my inquiries since XXXX. I can not begin to count the hours I have spent trying to resolve this discrepancy. I am now over the 120 payments and will need to continue to make payments to protect my credit. This is illegal in every way, but allowed because no one is in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2017 Balance {$7900.00}

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 explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, I wrote transunion a dispute letter back in XX/XX/XXXX. They received the information XX/XX/XXXX. I enclosed my updated ID and social security card only to get a credit report XX/XX/XXXX stating the wrong information still. I have disputed everything on my credit report and nothing is being correct, I have sent in the proper documentation to have my credit report updated. I have even called this company to inform them that none of my information as been updated are corrected. The bankruptcy court does not send out people public information to make it a public record. its student loans on my credit that are not reporting if it is not reporting remove them. I have paid things off and my credit score has not be updates are has the items been taken off my credit. This is hurting my credit and keeping me from getting a home loan, bank account etc. so i need them to get my information together and get it correct.

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 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, and I reached out to one to try to get this resolved. They have three accounts that were results of identity theft. The closed/charged off accounts were for {$480.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX and {$730.00} on XX/XX/XXXX. I reached out to the fraud department multiple times to have it removed. They told me about an address that I am not associated with. They havent done any thorough investigating because no one from their department has reached out to contact me or ask me any questions to confirm any information theyve received. I also sent them an identity theft police report along with an FTC identity theft report. The negative accounts are damaging my credit and I would like this resolved properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am writing because I recently viewed my credit report and noticed inaccurate information. XXXXXX/XX/XXXX is showing a late payment status over 120 days late. This information is in accurate. I have never been late with XXXXXX/XX/XXXXand This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with XXXX therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Have received several scam emails within the last years but most recently received a letter from XXXX XXXX XXXX threatening legal action and fraud due to a NSF that happened over 8 years ago. The amount requested is over 4 times above the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for the Bank of America XXXX  XXXX XXXX credit card on XX/XX/2023. This was an in-flight promotion on an XXXX  XXXX XXXX XXXX The promotion stated on promotional offer we received in flight from a flight attendant stated XXXX miles were to be credited for {$2000.00} spent within 90 days. The promotional card had a XXXX code which I clicked thru in order to sign up for the credit card and receive this promotional offer. 

I spent the required {$2000.00} between XXXX and XXXX of 2023 and expected the miles to be credited thereafter. I called Alaska XXXX in XX/XX/2023 to ask why my miles hadn't been credited yet, they informed me that Bank of America manages the promotions and I would need to speak to them. I called Bank of America XXXX XXXX in XXXX 2023 and was informed that the promotion associated on my credit card account was for {$3000.00} minimum spend within 90 days. I went into a Bank of America XXXX XXXX  in XXXX on XX/XX/XXXX to inquire about why the promotion on my credit card account was different from the one I had signed up for. A ticket was supposed to be opened that day to escalate my issue. 

I called Bank of America again on XX/XX/XXXX to follow up on my escalation, only to be told that no ticket was ever opened. The agent opened another ticket on XX/XX/XXXX. On XX/XX/XXXX XXXX received a letter in the mail from BoA saying they were unable to credit the miles onto my account because the promotion required {$3000.00} minimum spend - even though this was NOT the original promotion I signed up for. 

I requested that the annual fee of {$99.00} be credited back to my account since BoA had changed the credit card promotion in the system and it was now different from the original promotion I signed up for. They refused to credit back the annual fee. 

I have since closed this credit card.

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 2021-01-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX with is requested that the FALSE and incopetent claims made by SunTrust Mortgage are addresses. 

Attached is the statement that the mortgage was SOLD to XXXX XXXX in 2006 - that is a fact. Such entity sold the mortgages and notes forward. Suntrust FAILED to make an assignment in 2006 and failed to realease the lien which. 

Further they made various allegations that these were just investors and still held the Mortgage and note etc- Untrue the mortgage and note was purchased by XXXX XXXX. 
These were sold WITHOUT RECOURSE and purchased by another entity. 

Suntrust Mortgage & / SunTrust Bank & /or Truist has no interest in such Mortgage and has not posses a NOTE since 2006. 

The allegation that Suntrust can by law RE-establish a NOTE for a Mortgage that they sold without recourse is ABSURD. 

Further more fradulent Assignments to other entities and to NON existent Trust ad entities and investors which do NOT exist - is FRAUD Requesting a CFPB determination that Suntrust Mortgage can NOT re-stablish the Note on a mortgage which was sold in this case without recourse, which has moved from XXXX XXXX, to XXXX XXXX, to XXXX XXXX and various Trusts. 

The filing of ficticous and SHAME Foreclosure action on behalf of something that doesn't exist - see attached Suntrust would like to re-establish the NOTE - they are NOT the holder of a Mortgage or NOTE

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting agencies handling responsibilities fairly, impartially, and with respect for privacy. XXXX and XXXX fall into this category, but I, as the consumer, assert my right to ensure that my private information is not shared, as supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. According to 15 USC 1681, neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies ( XXXX and XXXX ) have my consent to furnish this information. I revoke any previous consent, be it verbal, non-verbal, written, implied, or otherwise. 

Furthermore, 15 USC 6802 emphasizes that a financial institution can not disclose nonpublic personal information without explaining the consumer 's right to nondisclosure. The financial institution, in this case, failed to inform me of this right. Additionally, 15 USC 1681C restricts the inclusion of certain adverse information in consumer reports without permission, and my account is being reported adversely without my consent, which is a violation of the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, information should not be furnished to a consumer reporting agency if it is known or reasonably believed to be inaccurate. XXXX and XXXX are not maintaining reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations. Furthermore, 12 CFR 1016.7 allows consumers to opt out at any time, and I am exercising my right to opt out of their reporting services.

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 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
My credit score doesnt reflect true score

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 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and XXXX XXXX XXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. 

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company response to consumer: Closed with explanation