BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis, I HAVE REPEATEDLY REQUESTED DIRECTLY IN WRITING, ONLINE, EMAILED AS WELL AS MAKE PHONE CALLS TO LexisNexis, in order to opt-out of public reports to all companies and consumers, discloser of my clue choice point and LexisNexis products XXXX 
And for LexisNexis freeze my personal report. 
I am a victim of ID THEFT. 
My life has been threatened by law have the right to privacy under the said above legal circumstances! 
The Federal Trade Commission has a report concerning my personal LexisNexis report. 
and all Law Enforcement agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: AZ
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:
Well according to 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer I never gave no credit bureau any written consent! 

No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/2019 I contacted Bank of Americas Government Prepaid Debt Card Division for NJ to replace a card which they stated they would send out Express for a fee of XXXX but I have received the card. I called today XX/XX/2019 and it was confirmed it was shipped standard.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Well according to 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer I never gave no credit bureau any written consent! 

No consent is Identity Theft.

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 2017-06-19
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt of {$400.00} was paid off i n 2016 through the original company (   XXXX   XXXX   XXXX   ). I DO NOT HAVE ANY DEBT WITH THIS COMPANY ( EOS CCA ) NOR DO I HAVE ANY TYPE OF CONTRACT WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: LA
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:
REVIEW DOCUMENTS ATTACHED : Navient denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: TX
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:
THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!

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 2022-08-30
Company: BANK OZK
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In an effort to recover the {$8000.00} hacked and stolen money from my checking account with OZK Bank of Arkansas who refused to return the money to my account. After numerous meetings and correspondence with the bank to resolve the issue they still refused citing an obscure " Regulation E '' of the Dodd-Frank Act as the reason. ( See attached " Certified Letter to the President, XXXX & XXXX, of OZK Bank of Arkansas, XXXX XXXX '' explaining what took place. I never received confirmation it was signed for! No response at all from XXXX XXXX. 

There are a number of personal reasons that occurred during the period in question of my hacked account that were not considered including : ( I should have been offered an extension to the " Regulation E '' considering the circumstances leading up to the hacking ) ( 1 ) Covid-loss of income. 
( 2 ) XXXX XXXX. 
( 3 ) XXXX XXXX Diagnosis & Treatment. 
( 4 ) XXXXe- Problem sending and receiving texts, emails and internet. 

I filed a lawsuit with 9th District Small Claims Court in an attempt to recoup some of my losses ( up to {$5000.00} ). Bank OZK responded with an offer of {$500.00} to settle the case which is not acceptable. 

I then received a letter from the XXXX XXXX County, Arkansas Clerks Office 9th District, Arkansas ( Attached ) notifying me that the case was being transferred to Civil Court on OZK 's request. 

I did not and will not approve this action! 

I do have copies of my OZK statements which clearly show when the hacking occurred which are available on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had an key bank account and was a victim of a person posing to be an employer. They mailed me a check and I put the check into my account and then they told me to send them the money in XXXX check cleared and then check turned out to be fake. I informed the bank I was scammed. The closed the account and charged it off as fraud. I since then have opened a XXXXXXXX XXXX  account and because the way this key bank account is reporting they have locked my account up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
REVIEW DOCUMENTS ATTACHED : XXXX  denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.

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 2017-06-17
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am debating account number  XXXX  withCommonwealth Financial Systems by reason of I have sent many dispute letters to the credit bureaus and it comes back verified every single time. They are declaring that I owe {$59.00} to  XXXX   XXXX   XXXX   XXXX  on my credit report.   XXXX  I have contacte d Commonwealth Financial System s to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2017  I am not sure how this happened, I believe that I had made my payments to you when I received my statements.   XXXX  My insurance company was supposed to pay this because I was in an accident and it should have been on legal hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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 am writing to you regarding investigation results based on information provided to XXXX. Although, I have provided proof to this agency, that the amount is not owed there is no change to my credit file. Other agencies ( XXXX, XXXX ) were able to comprehend and verify the validity of my documents and confirm with Bank of America that it is an error within their processes and yet XXXX is unable to correct this reporting. I find this unacceptable and ask that XXXX   provide their investigation results with proof of findings. i.e. paperwork, conversation dates and representatives talked to resulting in your inaccurate reporting. 
Once again, proof of supporting documentation : 1. Bankruptcy discharge ( XX/XX/17 ) 2. Confirmation received from Bank of America to US Bankruptcy court that the creditor agrees that the debtor has paid in full the amount required to cure the prepetition default on the creditors claim 3. Release of  Mortgage recorded paid in full 4. Item on credit report Partial acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: JPMORGAN CHASE & CO.
State: MO
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: Was not notified of investigation status or results

Complaint:
GOODWILL LETTER I contacted Chase Auto Finance back in XXXXXXXX XXXX XXXX. I explained my medical hardship death accident and financial hardship i spoke with a representative and explained my situation I was told no past due payments were reporting at the time. The representative gave the full balance at the time no late fees were attached to the balance. Chase applied two late fees and one miss payment to my credit report which has put me in a tremendous hardship for purchasing a home and a vehicle which I extended my lease with chase for a XXXX extension in XXXX and was granted that do to my good payment history. Chase did not contact me by phone per my request and never asked about updating my information at all. If I were notified by phone this mis payment would have never happened at all. Since then, I have sent in proof of XXXX XXXX trauma appointments, my son 's XXXX  and now my XXXX test results. I had already made arrangements with Chase Auto Finance under CARES ACT and have deferred payments moved to the end of my lease term. 

I am severely stressed and suffering from XXXX and this is keeping up at night because I have 4 months to finance another vehicle and find a place to live by XXXX with XXXX points dropped from my score from this past due payment that applied in XXXX for XXXXXXXX XXXX XXXX. 

I have asked to be contacted by phone twice via certified mail and still have not received a phone call from anyone at Chase Auto Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took a private student loan with XXXX XXXX last fall with my mom as cosigner. I withdrew in XXXX, which was early enough not to affect my transcript. However, no money was refunded to my loan. I have been left owing the full amount for that semester, which was XXXX. That loan has a ridiculously high interest rate for students in the first place, XXXX and they will not budge in order to help someone struggling!! XXXX XXXX will not even reduce the amount owed for a part time worker who is going back to college this fall. I don't feel that I should owe such a huge amount for only 2 months at that university!! XXXX XXXX is a complete ripoff!!! I do not advise anyone to use them!! Even if I pay only on the interest, my payment is still too high and basicly accomplishing nothing!!! I need help desperately wi th someone who will take my loan at a lower interest rate with a manageable payment, or to negotiate with XXXX XXXX to reduce the amount and reduce the interest rate!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 at around XXXX eastern us time. I made a deal with a online friend to buy some goods from him. The deal was I give him XXXX USD and he would give me a total of 27 items for a game called XXXX XXXX. After the money was sent, he blocked my profile and the console and block my profile on XXXX where the deal was initially made. I have the conversation saved still. I emailed him and asked him to return my money but he has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage ran our annual escrow analysis in XXXX of XXXX and claimed that we had a deficiency of {$1500.00} which we paid in full. Rocket Mortgage then ran an off schedule analysis 5 months after the initial escrow analysis which ironically coincided with the payment of our insurance for the year. No one asked them to run an analysis, we were told by the lender that they had to pay out more money than they expected because the policy amount increased. We then received notice that our payment would go from $ XXXX/month to $ XXXX/month if we didn't pay the deficiency {$230.00}. This is just 5 months after the initial analysis. They claimed that if we paid the deficiency then it would only go up to $ XXXXmonth, which is still {$20.00} than what we were paying after only being in the escrow year for only five months. We made a payment of {$1200.00} directly into the escrow account. We have spoken to several representative and have even had our concerns escalated to a senior representative that told they are following the guidelines of RESPA. I have yet to find any information under RESPA laws that state that a mortgage company can run escrow analysis whenever the bank pays more than expected. To add insult to injury, the escrow account had more than enough money to cover the fees. In fact when the taxes are paid in the next 2 months, the entire amount will be covered by what is in the escrow alone and pay mortgage insurance that they pay out each month. The bank refuses to remove the deficiency off the account despite our having made a payment of more than tripled what our supposed deficiency is and are trying to charge us each month for that deficiency. They also can not explain when exactly we had a shortage in the account. The balance has remained over {$2000.00} the entire year. We were even told that regardless, we were going to be short when the next analysis would run. Despite our best efforts to resolve the issue Rocket Mortgage, we keep hitting a brick wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due ( XX/XX/19 XXXX, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, otherwise remove immediately. 

XXXX  - This account has been closed and paid, yet you report the current status as Late 30 days! Update or remove account 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 2017-06-17
Company: Constar Financial Services, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is the second complaint I 've filed. the company is  Constar Financial . They continue to call on a student loan debt of my daughter 's. My daughter does not live at my home or telephone number, yet they continue to call. I 've told them to stop calling. The most recent call was  X/XX/2017   . The caller said her name was  XXXX   XXXX . When I told her to take my number off the call list she became agitated and said " You do n't have to be nasty! '' I told her I 'm not being nasty but I want my number off their call list and said I would file a complaint with the CFBP.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The inquiries listed below were unfamiliar to me. Therefore, they are all unauthorized to pull my credit report. These issues were addressed to both Creditors and TransUnion but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule and all information was erroneous. 

XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020

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 2018-02-17
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sold my Bitcoin, XXXX was to be transferred back to my checking acct. As of today, I have not received the money. I have attempted to call and I have sent an 32 email expressing my issue, no response. I have also sent a copy of my complaint to Coinbase Customer Support -XXXX XXXX XXXX, XXXX XXXX -XXXX   XXXX , CA XXXX. I have called their support line 5 times, listened to the automated answering service for 45 mins. Never talked with anyone. I have received a XXXX XXXX from Coinbase 3 weeks ago saying they would send me research and send me an response. I have never received a response. There are many, many coinbase users XXXX  the same issues, waiting for their ACH or Debt refunds. This is unexceptable and should be investigated. Coinbase boast of the millions of dollars of profits for 2017. I just want my money from selling my BitCoin.

Company response to consumer: Closed with explanation