BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Bankruptcy on my credit report was not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). After providing them with numerous documentation, their response was the Bankruptcy was verified. On XX/XX/2018 I provided Equifax with a letter from the Bankruptcy Courts here in XXXX XXXX XXXX, FL. Stating they do not report to them. I also provide them with a copy of the XXXX XXXX freeze letter from them, explains the freeze on my account with them. Equifax has failed to verify or Vaildate this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Navient Solutions, LLC.
State: FL
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:
I received two Direct Unsubsidized Loans. The loans went into repayment status. I filed the IDR application and it was approved. As a result, I am not required to submit any payments to my loan servicer ( Navient ) for a duration of the year. The policy of Navient does not allow me to return some of the over-borrowed amount of the loan, neither am I allowed to direct to the payments towards principal of the loan until I pay off the amount of the interest that accrued as of now. Consequently, it hinders my ability to improve the status of my debt. 
Additionally, I was misinformed about the status of my loans in terms of the interest capitalization. The information that was provided by the Navient representative was inaccurate and resulted in inappropriate actions on my behalf in terms of the management of my loans ( I might be able to obtain the recording of that phone conversation ). On a consecutive call to Navient I was trying to resolve the situation with the supervisor but the situation was never resolved. 
I would like to switch my loan servicer as I believe that the policy of Navient undermines my ability to pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past month every day during the week and on the weekends. I receive a phone call from XXXX from XXXX XXXX. She has called my job at least 3 times and two times after the first time I told her not to via a voicemail. She keeps trying to pressure me into a cost in which I told her at this time i can't have phone conversations with you either i'm at work or I need to legitimately need to look to see if I can afford the cost by looking at my incoming and outgoing expenses. However, she calls every day not even allowing a chance of reprieve. Calling my job was really the last straw as I told her I can have issues at work, if she continues with her calling my job.They never even say the company in which I owe they just state their collection agency moreover, they give an added cost to the loan ( payday ) They include at least XXXX dollars more than what I actually owed. This started Second week in XX/XX/2018 and is still occurring at this time. I stated to her the reasons I couldn't afford to keep paying the loan company was because I couldn't afford the ridiculous interest rate and asked them if they could reduce and they wouldn't. I do have intentions of paying the company that I loaned this money from however, I do not have intentions of paying a debtor who may or may not have acquired my debt. Due to my husband loosing his job and me trying to care for a family of XXXX it has not been financially feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After discharging my Bankruptcy in XX/XX/2018, I tried to call Navient to have them base my loan repayment on my income. The first call that I made to them, in XXXX, to discuss repayment I gave them all of my financial information. They confirmed that based on my income that there would be no way that I would be able to make the payments and should qualify for a {$0.00} repayment plan. The representative went on to tell me that although I should qualify for a {$0.00} repayment plan that Navient was unwilling to make that happen. The representative went on to tell me that the $ 300+ monthly payment was required and that there was no way to lower the payment amount. This is the same representative that just confirmed that I should qualify for the {$0.00} repayment plan, I expressed the fact that there is no way that I would be able to make the payments. I called back in XXXX to try again to lower the monthly payment amount and express the fact that the most I could pay monthly would be {$50.00}. The representative said that I could pay that amount but that Navient would count the loan as being unpaid because it would not be the amount they are requiring. I asked the representative to change the monthly payment to {$50.00} and she said that she was unable to do that. So if I continued to make just the {$50.00} payments that eventually the loan would go to collections even though I would be making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
On XX/XX/22 I went to XXXX XXXX XXXX on XXXX XXXX XXXX, in XXXXXXXX XXXX  to get an appraisal of my vehicle. I didnt know they were going to run my info with Capital One when Im already financing the trade in car with Capital One. My complaint is why run me info with capital one when im already in a loan with them?? my Second complaint is Capital sent me a letter of denial for an auto loan because of recently returned payments on existing capital one accounts due to insufficient funds! I have several accounts with Capital One, one being an auto loan and three credit cards along with savings and checking accounts and all accounts are active and in good standing! it was very insulting to say the least that there were returned payments it was one time that happened all because my auto pay was set up with the wrong account! 
I am ending my complaint by saying XXXX shouldnt have ran my info with Capital One when I have an active loan with them and Capital One should not base a decision off of one returned payment that was not recent and nonetheless I am a LOYAL CUSTOMER AND I HAVE BROUGHT BUSINESS TO THAT COMPANY BY GETTING PEOPLE TO GET THEIR CREDIT CARDS THAT THEY WERE APPROVED FOR! HOW DARE THEM!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Adjust immediately the following inaccurate information that are hurting my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
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 Account # 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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account, and I didn't authorize these companies to pull my credit either. This is the second request.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: AL
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 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 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 2018-10-23
Company: WESTERN UNION COMPANY, THE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my computer was hacked into by a guy claiming to be from XXXX and wanted to fix a virus I had on my computer. At the time I could not get out of the computer so he took control of the computer only for me to learn he had fraudulently hacked into my debit bank card, my XXXX credit I had and all in all charged off over {$1200.00} in purchases. 
I was able to claim back from XXXX the credit I had there, as well as other charges he had done but the one charge i never recouped was with Western Union and that was a {$430.00} charge or money sent. 
That money sent I learned was to a XXXX XXXX in the XXXX, NY and was picked up at XXXXXXXX XXXX on XX/XX/2018. 
I have spoken to the supervisor XXXX with Western Union butr he claims to still be working on the case. 
The debit card that was used was # XXXX. That card was shut down by my bank, XXXX XXXX as a result of this fraudlent activity. The bank claimed it was my fault. 
The tracking number on the transfer was XXXX. I contacted the Sheriffs Dept and filed a complaint.

The phone number for the Western Union Manager XXXX was XXXX Opt XXXX. 
I do not know a XXXXXXXX XXXX and I did not authorize the transaction and I feel i am owed that {$430.00}. 
Western Union has not helped me in tracking down the guy that did this. I need that money desperately Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I do not agree with my banks solution about my claim, the case number is XXXX, they want to close the case saying that I authorized the two transactions, but I never did such thing, I even called them telling them to not authorize those transactions because they were not made by me. I feel like my rights with the bank are not being taken into consideration and I need this claim to be resolved and get my money 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 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To be completely honest, I am so overwhelmed and confused at Capital one 's practices it is unreal. They have been reporting late payments when I wasn't late. There are more then XXXX instances. I have dealt with XXXX deaths back to back in the last year from people closest to me ( my dad and my sister ). I recently had the XXXX and was out of work for XXXX month with no pay. Capital One has absolutely done more good than damage for my personal credit report. I phoned in on XX/XX/XXXX I believe it was to make payment arrangements. Keep in mind I always pay my cards off in full. I just hit a bump in the road. I was placed on XXXX different payment arrangements as I have XXXX accounts one ending in XXXX and the other ending in XXXX. This pandemic has literally taken a toll on the best of us. The late payments reported have literally killed my credit. I'm a single mom who works XXXX jobs, have a kid in XXXX and one in XXXX who plays XXXX. I'm trying the very absolute best that I can. I also called in yesterday XX/XX/XXXX and asked for a print out of all the payments made and was on hold for over XXXX minutes. I then told the rep that this isn't an unreasonable request and I no longer could be on hold. I wake up at XXXX XXXX everyday for work. I needed to get to bed. I just want this rectified. This is absolutely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/ received a credit card Block Inc ( Cash App ) and did not apply or request it. There was no information in the sealed envelope, just a QR code to activate the card. No phone number. Only address was on outside of envelope : Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Personal information incorrect

Complaint:
Consumer reporting agencies are reporting inaccurate address information on my consumer file. I've mailed in dispute letters. I'm not sure why their employees always mentioned to contact the creditor as if I the consumer control what information the creditor reports. FCRA gives me the right to dispute directly with the consumer reporting agencies by federal law to make sure the information is fair & accurate. My address should only show " XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX '' as it is correctly accurate. 

Delete XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX from my consumer report as it is inaccurate information reporting. You are all in violation FCRA under 15 U.S.C. 1681

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 2023-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX, I received a text message from " XXXX '' stating : " BofA Security : Debit card ending in XXXX was declined. Enter the correct expiration date OR call XXXX to activate your card. Text STOP to end texts. '' I have a Bank of America checking account with a debit card ending in XXXX. This card was not activated when received because I have no intentions of using it. It is stored in a safe. 

I called Bank of America using a number found on my account page after checking my account information online. The representative was not helpful and didn't understand the issue. 

As a victim of known-name identity theft, I am very concerned by lack of security and concern of the situation. It appears someone is attempting to use my debit card but can't because it was never activated. The debit card has never been used. This indicates that Bank of America has a data breach of my information.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: MI
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. 

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 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