BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My name is XXXX XXXX. I have received two calls from a company called XXXX XXXX XXXX XXXXXXXX, the most recent was today, XX/XX/XXXX. They explained that I was part of a lawsuit and that they were calling to arbitrate the account on behalf of Capital one. Today after I told them for the 2nd time to stop calling me and to take me off their list they contacted a family member so I called them back. They claim they were hired by Capital One to Arbitrate a delinquent account. They had all my personal information, Full name, SSN, DOB, home address, Employer name. They threatened to call my employer when I told them they were wrong and that they were a phishing scam. The replied that they weren't which is why they had all my information. 

They provided me the last 4 numbers of an account I've never had ending XXXX XXXX, opened XX/XX/XXXX- last paid XX/XX/XXXX. The told me the last payment I made was {$180.00}. They said I received letters from Capital one informing me that the account was delinquent, and that they were hired to arbitrate before Capital One would take further legal action. They said they were looking for 2 years of compensation. They told me that I had this account set up on auto pay from a XXXX XXXX XXXX  account that most likely expired. 

The information they were providing was accurate except I didn't have a capital one account from XXXX - XXXX. 

They had a significant amount of information on me. It's very concerning that they are harassing me, calling my family, and worst threatening to contact my employer. 

The telephone number was XXXX. 

I have reached out directly to Capital one with no response. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: AZ
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am making a complaint about the Experian Credit Bureau. My score whit them always below XXXX while the other two major bureau have me close to 800, Experion say they will boost your credit if you pay, is that honest. 
There is nowhere on their website for me to complain except for me to contact that by mail. Why are their score so low? Compare it with the others. That's my complaints thanks, 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 2022-12-21
Company: MOHELA
State: OH
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:
Ive been paying on my student loan since XX/XX/2014. Im enrolled in the PSLF, Recently my loan servicer switched to MOHELA, and a consolidation was recommended ( which I did ). Since the consolidation I have XXXX payments listed toward the PSFL. When Im fact I should be getting close to 100 payments Ive called and every time they give a different excuse - the most recent from today is my employment certification hasnt been applied to the payment count, Last month they were just behind the month before that it was because of the consolidation. Ive sent a complaint to the XXXX with no reply. I dont know what to do next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Early this year ( in XX/XX/XXXX ), I closed other credit cards I did not need that I had with Bank of America. I just started using one personal credit card I kept that was with Bank of America. I recently added few additional users to this account. Bank of America suddenly forced closed my credit card account without contacting me or any other communication. I had this credit card since year XXXX and had a credit limit of {$70000.00}. Current balance on this card is less than XXXX  XXXX dollars. This credit card and my business card both are set to have automatic withdrawal from my business checking account with Bank of America with always a decent balance. My current XXXX  score is about XXXX out of XXXX. I never missed one payment either on this credit card or any other credit card. I had plans to start using this credit card from now on. They also closed my business credit card while closing this account. It is extremely unfair what they did. I called them to find the reason why they closed. Agent could not answer. They said, they sent a letter to me. I appreciate your esteemed organization contact Bank of American reestablish this credit card ( Number XXXX XXXX XXXX XXXX ) and my business card ( Number XXXX XXXX XXXX XXXX ) effective 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 2022-08-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
Hello yes my name is XXXX XXXX and I would like to report a lady thats been hacking me online and logged into my USAA bank account and she somehow added more than XXXX and took it out now it says I owe XXXX. Please help her name is XXXX. I had her ID but she hacked my photo gallery and deleted it herself .she used my social security number to create the USAA account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: Navient Solutions, LLC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have financial hardship that caused me to put my loan in deferment status, but the Federal student loan agency reported it as 6 Late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}

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 2022-07-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I contacted XXXX XXXX XXXX to book a stay for my XXXX  XXXX XXXX  for the dates XXXX. They required a {$500.00} deposit payable through XXXX in which I paid. On XX/XX/2022 which was 1 week before my XXXX they text me and told me that the pipes burst and they needed to close the recovery home for a couple days and that I should start looking for another place to stay. They did not mention anything about my deposit being returned so I immediately started contacting them to see about my deposit. No one answered any of the 3 phone numbers listed on the website and XXXX  page. I sent text messages, emails and tried calling them and got no response. They even blocked me on their social media page because I was asking questions about my deposit being returned. Any messages I posted on their page they would delete. It turns out the the facility got shut down by the state because they were operating without a license. I have proof that thats the real reason XXXX  got shut down. Being that i made the payment through my back to XXXX i have contacted Chase back a couple times trying to get help from them telling them that the recovery house scammed me and and just do t want to help me. They didnt even file a claim for me because it has to do with XXXX XXXX I have been a chase customer for over 10 years and this is unfair to me. XXXX didnt help me either saying they dont have access to my banking information. No one wants to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Knight Adjustment Bureau
State: UT
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:
XXXX XXXX  was charging me double the price of XXXX XXXX who had the same room, bathroom and parking space as me. I proved this to them through documents and got no response. Countless times called XXXX ( the property manager ) to discuss the overdue balance and explain the unfairness/discrimination i was experiencing at the hands of her company. During those phone calls i was promised things that were never given such as fairness. I was the only individual in my apartment who was charged for damages that were not even in my personal room. I lived with 3 XXXX girls and i was the only one out of the 4 of us who received a bill to fix all the damages that XXXX XXXX claimed were such an issue and just my fault. They are XXXX. This has ruined my credit because some people are to ignorant to know that everyone deserves to be treated exactly to same. I didnt choose to be born XXXX.why do i have to be overcharged for it..? The company who does collections for XXXX XXXX is part of the issue and not the solution i have explained my situation and showed them the evidence of discrimination and for them to just dismiss my concerns and still ruin my credit. I told XXXX XXXX they arent seeing a DIME of that XXXX charge and i meant it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello my name is Mr. XXXX XXXX and I have a complaint with the financial company Bridgecrest Acceptance Corporation account noXXXX, this is my auto finance company. The problem I'm experiencing with this company is their relentless tactics on refusing to comply with an attempt to negotiate a fair goodwill attempt to have them remove late payments on my account with them from a prior year, 2018 to be exact. I was an excellent paying consumer for about a year or so until an unfortunate circumstance where I had been scammed and filed police reposts, but going through this period caused several unfortunate late payments and they were made aware of this and even spoke highly of my prior payment history before and after this time period. To this day I am still making great payments to them however their reluctance to help me is causing harm to my credit bureau reports and scores. 

I may be contacted if needed at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is for a Chase Sapphire XXXX XXXX that has a {$95.00} annual fee, and no foreign transaction fees. On XX/XX/2022 I purchased plane tickets on the Chase website in the amount of {$3800.00} to XXXX XXXX. On XX/XX/2022 I arrived in XXXX, and paid {$2500.00} for the hotel I was staying at as well as {$34.00} for a taxi and {$230.00} for diving equipment rental. All of these transactions worked. Then, on XX/XX/2022, at approximately XXXX XXXX I paid for a dolphin swimming experience for {$270.00}. This transaction worked. two minutes later, I also tried to pay for a parasailing experience, and this transaction was declined. Twice. I then called the number on my card, and the representative said that there were, " no holds on the account, and [ i ] should be able to use it. Try it again. '' I told her It was indeed I who was in XXXX, having purchased all the travel-related items, and that do not block the card. I tried it again, and it did not work. I had to pay with another card, incurring a 3 % fee. Two hours later I received a text from Chase asking if it was I who attempted to buy the parasailing. I replied with YES it was. On XX/XX/2022 I successfully used my chase ATM card at a XXXX bank 's ATM. My Sapphire card continued not to work, and only on XX/XX/2022 was I informed, after I called them in the evening, that the card was canceled. With no instruction from me, and against their own fraud protocol. And against my express instructions that I am legitimately using it. Had I not had a back up card, I could have been stranded. I had my children with me. This is bad enough, but when I called them on XX/XX/2022 to seek remuneration for this catastrophe of their doing, reimbursing me for {$58.00} in foreign transaction fees, that I should not have had to pay if they had not canceled my card in error, a feature for which I pay {$95.00} per year. They refused. The " supervisor '' I spoke to on the phone told me this was " impossible ''. This is also contrary to my history with the bank XXXX credit card division which has previously waived {$60.00} in fees for me previously. It is bad enough that their systems would even allow this kind of thing to happen in the first place. It is tenfold worse that they do not own up to their mistake and make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On Thursday, XX/XX/2018, I spoke with Navient regarding my private student loans in an attempt to inquire about extending the military deferment due to inability to make payments as a bill of {$1200.00} is showing due on XX/XX/XXXX. I am currently serving on XXXX XXXX and have a total of XXXX years and XXXX  months of XXXX XXXX XXXX. I was informed by a representative that I was no longer eligible for the deferment and the terms of the military deferment have changed where being on XXXX XXXX was not enough to qualify for the deferment.

On Friday, XX/XX/2018, I called Navient again to follow-up regarding this issue and to discuss payment options. I spoke with the representative who informed me that the terms for the deferment were updated in XXXX based on guidance from the Department of Education. Per the representative, Navient updated their terms in XXXX as well. She informed me that all Service Members who had the military deferment applied to their account were not notified and the Service Member would only be informed if they called Navient to renew the deferment. The representative told me that it wasn't prudent for them to inform the borrower and their stance was to allow the Service Member stay in deferment until expiration. Upon expiration, the Service Member would contact Navient to renew and then Navient would inform the borrower of the change in eligibility for the military deferment.

The representative reviewed my account and the military deferment expired in late XXXX, which was less than three weeks away from the payment due date where I have to manage to pay {$1200.00} in less than 10 days in order to keep my account current. I asked about repayment plans and she sent me to the private collection department where it was discussed that I can extend the terms my loans to 30 years with a variable interest rate. Once I agreed to these terms, I would be locked into this for the life of the loans with no other repayment options.

Navient 's lack of notification to the borrower is egregious. Their poor mismanagement does a complete disservice to their customers especially to the military members who are unfortunately borrowers. If they were changing the terms and options for military members, that should have clearly been communicated so the borrower would have more than enough time to devise a financial strategy and plan in preparation for the repayment. We work hard and take great pride in serving in this great country and now we have more added stress to include the financial burden with no additional repayment options to make this easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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