BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's  currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the Equifax data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, 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:
Due to gross negligence ( improper password protection ) Equifax let their system get hacked. They did not disclose this information in a timely manner allowing more time before I could place a fraud alert on my credit and protect my personal information. Consumer were informed of the breach on XXXX/XXXX/XXXX however the actual breach occurred from mid XXXX to mid XXXX. This breach exposed my social security number, credit card information, personal address, date of birth, and drivers license number. I have reached out to the company but their phone lines keep dropping calls. The company has not done anything to rectify the situation, they do not even know whose information was stolen and the website they have set up randomly tells you if you may or may not have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's  currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the XXXX data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items 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 2022-01-06
Company: CarMax, 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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( XXXX ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( XXXX ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called Navient today to extend a program I was enrolled in called the Rate Reduction program. It basically lowered my payments and interest rate to be more affordable - I was paying around {$270.00} a month which was great. At the time I enrolled in XXXX of XXXX, I was told I could apply as many times as I needed to extend the program. I called today, XX/XX/XXXX, and the rug was pulled out from under me. I was told that based on my and my cosigners FICO scores that I was no longer eligible. I asked why, and they refused to tell me. I was told that they can not discuss MY credit report with ME. I asked for a supervisor, who told me the same and presented me with what she called interest only payments which were only {$45.00} less than my full monthly payment which makes absolutely no sense. I pressed and continued to ask why this was happening, telling them that I was told in  XX/XX/XXXX I could extend the program as many times as I wanted. I was told nothing is guaranteed and all of my questions remained unanswered. They just kept telling me about the interest only program and to talk to my co-signer. I dont see why transparency would be refused if there was something completely legal and within the rights of the loan servicer that was the reason. I feel deliberately misled and taken advantage of and I do not understand how it is legal for these huge companies ( whose revenue was XXXX XXXX dollars in XXXX   alone ) to abuse people in this way. I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AMERISAVE MORTGAGE CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we entered into a Refinance of our Home Mortgage with Amerisave Mortgage Corp. of XXXX GA, following a referral from XXXX XXXX. We were assigned a Loan Originator, XXXX XXXX, from their XXXX Office. We asked MrXXXX XXXX if an Appraisal of our Home would be required and he replied no. We then paid {$500.00}, as required, prior to the Company advancing our Mortgage. On XXXX we received a document request including instructions to assign our XXXX XXXX XXXX to XXXX. On XXXX we faxed all requested documents and reassigned our Home Owners Insurance. At this point, communication with Mr. XXXX was poor. XXXX Mr. XXXX sent a second document request, " concise list of what is seen as outstanding at this time '', and on XX/XX/XXXX we faxed the single document requested. No additional requests were received. On XX/XX/XXXX Mr. XXXX sent us undated Disclosures for our signature. We emailed some questions to Mr. XXXX. We left a voice mail on XX/XX/XXXX because of no response. On XX/XX/XXXX, following a complaint to the XXXX office we were assigned a new Loan Originator, MrXXXX XXXX XXXX. He answered our questions, and said we were now required to have a Home Appraisal. Our provided Time Line will provide concise additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
First Issue is that, when pulling my report, I only received a report from Experian. I DID NOT receive reports from the other two. ( XXXX  and XXXX ). 

Second issue is with Name. Every since Ive been XXXX XXXX XXXX, Ive NEVER used XXXX XXXX which is included in the Experian report. AND ... 

Is there a reason as to why I wouldnt receive a report from when I was XXXX XXXX ( maiden last )? 
To clarify, I did not receive any reports for the years earlier than XX/XX/XXXX or when I was XXXX XXXX. 

Thirdly, under Addresses, I have never lived in Oregon, yet there is an Oregon address on my report. Why? 

Is there a reason as to why my Report only dates back toXX/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 2017-09-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
OnXX/XX/XXXX I visited the Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX. Prior to my visit, I had done my research on the different account types and their bonuses. I decided to open a Chase Checking account, but I was unsure as to which one I would pick so I decided to see if the banker could help me. Upon visiting the branch, I spoke to XXXX XXXX, one of the bankers working that day. I told her that I wanted to open a Chase Checking account and that I had a coupon code. She took my info and filled out an application for a Chase College Checking, since I just started college. After the process was complete, she told me that I just had to make sure to have a direct deposit made to this account totaling more than {$500.00} within 60 days in order to receive my {$200.00} bonus. On XX/XX/XXXX FAFSA sent a tuition refund as a direct deposit of {$750.00}, which more than satisfies the terms. However, Chase website said I would receive the bonus within 10 days. When I did n't receive the bonus, I called Chase customer support, and they informed me that the coupon code was never applied at account opening. When they tried to open it, they were unable to so they redirected me to the branch that I had opened my account in. When I went to visit the branch the next day, the banker told me that I was n't eligible for the coupon code, because I was n't a new Chase bank customer. When I asked her to explain what that meant since this was my first and only account with chase, she just said the same thing again. I left the bank and called customer support once again later that day explaining the situation, and they transferred me to a higher up. She then informed me that my the coupon code could not be applied to a Chase College Checkings account, but rather only a Total Checking Account. I then tried to explain that the banker assured me I would receive my bonus as long as I had a direct deposit made. I was then told that there was nothing they could do, and it was the branches decision whether or not to reward the bonus. After reviewing all of my steps, I do realize that part of it is my fault for not researching well enough. However, I do believe that I was purposefully mislead. The supervisor I spoke to informed me that at account opening, the coupon code would not have worked since the type of account I was trying to open was ineligible. However, the supervisor also says that the system will inform you if and when the coupon is n't eligible. Instead of telling me, the banker proceeded as if there were no issues and allowed me to open the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft in which an individual opened/submitted a credit card application with Capital One through Cabella 's. I submitted an official letter with requested personal information to Capital One on XX/XX/2021 per their request in attempting to retrieve further information/details. I have been unsuccessful with 3+ follow-up calls to them asking for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized transaction. I have a police report and a email statement that it was a scam and pulled into fraud account. Regions will not refund! I had money stolen from my Regions Bank Account on XX/XX/2018 one transaction for {$5000.00} and one for {$3700.00}. I called to inform them and they said they would be glad to report the claim. I got a police report and an email saying money was pulled unauthorized into a fraud account and was a scam incident. Regions Bank denied a refund. They did not notify me and help in anyway to stop this and when found to be a scam and stolen without my authorization, they refuse to refund my money back to my bank account. I have tried going to the bank, over the phone, and by mail. They refuse to take responsibly for allowing my money to be hacked and stolen from me. My name is XXXX XXXX and my bank account is XXXX ( opened in XXXX, MS ) and last 4 digits of the card was XXXX. All of this money was pulled into a fraudulent account. It bought cryptocurrency and I did not authorize these transitions and want Regions to put that stolen money back in my account. I have a police report XXXX. Which states money was stolen and unauthorized. They lied and said they talked to the company. I called and the company said they never spoke to Regions and would not speak to banks for any reason. They just don't want to take responsibly for allowing these to happen and not being accountable for their mistake.

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 monetary relief
Consumer complaint received 2017-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has NEVER sent me anything in writing via USPS or email. They are REPEATEDLY calling my friends and family. They are threatening jail to everyone associated with me that answers their phone. They are abusive bullies spreading my business ( lies ) everywhere they can. Please stop these people. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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: Information is missing that should be on the report

Complaint:
My XXXX account ending in XXXX is not reporting on my Equifax credit report. 

I have contacted both XXXX and Equifax in XXXX and XXXX advised they have requested the account be re-reported. 

To date it is not reporting on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We were notified two of our accounts ' customer due diligence information needed to be updated due to regulatory issues with our bank. The bank restricted our account and debit cards. We called the bank four times and sent in the required documentation ( which they already had ) to get the accounts unfrozen. In two instances, bank employees told us the freeze had been lifted only to find out from other employees that it had not been lifted. This freeze is impacting our daughter 's Special Needs Trust and we can not purchase her necessary food with the funds in her account.

To make matters worse, the bank has no way for me to submit a WRITTEN complaint. I need to call and leave a complaint but I have no idea if it has actually been lodged correctly. I want the ability to write a complaint, in my words, and submit to the bank so I have record of it. 

When this is resolved, I will be ending my long term relationship with the bank. Consumers should not be penalized for their bank 's regulatory shortcomings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX I got a loan from XXXX XXXX. In XXXX I file Bankruptcy chapter XXXX. This loan was included in my case. After the discharge I was still paying on this loan. The loan was only for XXXX dollars and the payment were dollars then it went to XXXX. I have been paying on this loan for the last XXXX  years and the balance never change. I have never miss a payment. I look at the bill and found out that IM not getting any credit for my payments .The loan has been sold to Sping leaf and now its call one main, I need help .If I have calculated the payment right I have paid them almost XXXX over the course of 13 years I don't understand what going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
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 status incorrect

Complaint:
The problem is with Equifax. I have been having no score with them since XXXX. They are currently reporting no date and late payments with my student loan accounts 4 different ones. I contact XXXX  they said they are reporting on time payments. Since i recently been having problems with Equifax i am sure they are the ones reporting late payments and NR for all on time payments. I am in the process of buying a home and the next step will be to sue Equifax. I been on hold 1hr 28 mins after speaking to controller XXXX and shes rude and i was still asking questions and she just transfer my and im just waiting for supervisor. Im sure they will answer after 2 hrs and then phone will just hang up like always. They are going to say they are sending i. Whatever XXXX is reporting but i spoke to 3 different people at XXXX and on the XXXX  and XXXX  i have on time payments. I am demanding Equifax to update all my ontime payments and remove no report and late payments for XXXX XXXX my ssn is XXXX XXXX XXXX. Equifax is terrible and they should be ordered to close down. Im sick and disgust with them since XXXX. 

FIX MY REPORT XXXX IS NOT REPORTING LATE PAYMEMTS ITS YALL TERRIBLE SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation