BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-11
Company: Navient Solutions, LLC.
State: CA
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 previously had payments going through with the XXXX for monthly payments. After realizing these payments stopped going through, I called the XXXX back in XX/XX/XXXX/XX/XX/2019 to start making payments again. XXXX said they could not do anything for me, and connected me to Navient. When speaking to Navient, they seemed to be clueless about the process and told me there was nothing they could do unless I paid them the amount of around $ 600- {$800.00} that day. After I told them I could not do that, they then told me I should look at the other programs out there to get this resolved. I told them all i wanted to do was start making payments again but they continued to tell me there was nothing they could do. I then started to look into what other options I had and it started to make no sense that Navient could not do anything for me, so I called again and got another clueless rep who just wanted me to pay money that day. All i wanted to do, was start making payments so it doesnt go past the defer date. Fast forward to XXXX and I am getting a notice my wages are being garnished. I called XXXX, they used the excuse they could not do anything at the time because the account was with Navient. I called Navient to get their excuse, and in return just got some rude lady who again did not care and again told me theres nothing they could do because it was sold through the XXXX. Since my loan was then sold through the XXXX to another collector, interest was added. It feels like they intentionally blew me off so my account would defer and more money could be collected. If I called both the XXXX and Navient trying to get this resolved ( and have phones logs of this even though they tried to deny it ), but continuously get blown off, why am I supposed to deal with interest added for this XXXX up? I am being forced to sign into an agreement with another servicer, because if I dont an unfair amount of wages will be garnished to where I can not pay bills. Originally when I called the XXXX, I wanted to see if they'd admit to me calling them in XXXX, and they said they do have records of this. However, when I got on the line with someone else to get an excuse why this happend, mysteriously they have no records of me calling. I doubt this will do anything for me and doubt anything will happen to Navient or XXXX, as this has happend to several other people and they have a track record for this kind of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: CO
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, Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I discovered that my credit card with Bank of America ending in XXXX had been stolen. 

I immediately called Bank of America and initiated a fraud claim. I clearly stated to the investigator that I never received this card, meaning that I did not have possession of this card at the time the transactions were completed. BoA informed me on XX/XX/XXXX that I would be receiving provisional credit for all charges in the claim. On XX/XX/XXXX, they informed me via letter that they had denied my claim, citing the fact that my physical card was used to complete one or more of the transactions. I did not receive the letter stating this until XX/XX/XXXX, at which point I promptly called the fraud department again to request that they reopen my claim and clearly note that I did mot have possession of the card used to complete the {$8000.00} in fraudulent charges. 

I was told that my dispute had been reopened- but my claim status online is still closed. Additionally, my new card has been locked. When attempting to call a different department to resolve the locked card, I was told that they were unable unlock it, and that they would transfer me to the fraud department. After 10 additional minutes on hold, the call was terminated by the other line. 

I am simply requesting that my account be permanently credited for the charges that were completed with a stolen card, and for my account to be closed immediately thereafter.

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 2023-05-10
Company: W&A Intermediate Co., LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted XXXX XXXX XXXX regarding a debt they were attempting to collect. I had insurance thought XXXX which had a deductible for the amount of {$1700.00} which was met and over paid prior to the dates that XXXX submitted an amount for me to owe for a total of {$3400.00} and {$610.00}. My insurance was backdated which left me with a credit of {$2400.00}. There should have never been an amount owed with XXXX XXXX XXXX, which I submitted a claim against it. Now all a sudden I have two collections on my credit report from Wakefield and Associates with the original creditor as XXXX XXXX XXXX one for the amount of {$3400.00} and another for the amount of {$610.00}. I was never notified by them they attempted to collect a debt. I was never notified that it was even in collections or how I could dispute it or even any contact information for Wakefield and Associates. If I would have know I would have disputed this but I was never given the chance or opportunity or information. I still have no idea how to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
on XX/XX/2021 i got a letter in the mail at my residence instead of going thorough my proper safe at home address. so im reporting discover to wi doj for that already. secondly some attempted to contact discovers and fraudulently steal my identity and open a credit card in my name now due to the facet i had a credit freeze and fraud alert in place. it was denied and discover notified me by letter. but i want the to no i never applied for a credit card to begin with. who ever tried to applied was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After reviewing my XXXX credit report I saw that their was a debt being reporting by National Credit Systems for the amount of {$3700.00}. At no point was i notified regarding this debt in order to verify its validity prior to it being placed onto my credit report. I do not owe such debt to National Credit System/ or their client. National Credit Systems are in direct violation of the Fair Credit Reporting Act Section 623 ( a ) ( 7 ), as defined in Section 603 ( p ), a Furnisher must notify consumers in writing if they may furnish or have furnished negative information to a CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I been banking with Chime for over 3 years and I go to sign into my account last night and it says my account is XXXX XXXX XXXX. I email Chime support and the only thing they said was that I did not comply to the deposit agreement but I get my son 's XXXX check direct deposit into my Chime account every month plus get child support deposit into my account too. I even called Chime and they said the same thing that I did not comply to the deposit agreement and that I would get a check in 30 days if any money is owed to me and I did have money in there. I talked to a chime supervisor and she said the same thing and nothing else other than I needed to email chime support I told her I did already and they did not give me any answers. I even emailed Chime support again and so far nothing. The account was closed on XX/XX/2023 and I never got a phone call about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CAVALRY INVESTMENTS, LLC
State: GA
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:
On XX/XX/XXXX  after speaking with Mr. XXXX one of the managers at Calvary portfolio, this account was settled for the amount of XXXX and paid. As agreed upon The information would be deleted from their account as well as all XXXX Credit report bureaus. This was reconfirmed with two other Calvary employees, their names are XXXX XXXX and XXXX XXXX. I was also emailed a letter stating the account has been paid and per their policy which is located on their site once the account has been paid they are required to delete the account and request it be removed from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: GOLDMAN SACHS BANK USA
State: PA
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:
Since XX/XX/2022 I have consistently contacted XXXX and XXXX via telephone and written letters regarding unauthorized reporting on my credit report without my written consent that has violated my protected consumer rights. I have also contacted XXXX and XXXX XXXX XXXX inform them of this violation as well with no resolution. Neither one of the listed establishments were able to validate the reported accounts that included my wet signed sealed signature to confirm a contract. Rather than removing the violating information from my credit report, XXXX and XXXX closed the accounts. Furthermore, this inaccurate and unauthorized information remains on my recent credit report. There was no permissible purpose for the reported accounts and these accounts should not be furnished on my consumer report as they are in violation under 15 US Code 1681b and 15 U.S. Code 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: SYNCHRONY FINANCIAL
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have spent hours and hours on the phone attempting to get my refund for a purchase that was returned, verified returned and the credit card com-any refuses to help me, just saying for 3 months that the matters under review, which completely violate their own customer protection policy. 

I purchased an item in XXXX on XXXX using my paypal credit account. I item ( XXXX ) turned out to be stolen and unusable, I returned the item, sent the verified tracking into them and they put the matter under review and refuse to give me my money back or help me what so ever

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 2021-10-10
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting XXXX XXXX XXXX XXXX on my credit report it's infringement upon a consumers rights to privacy pursuant 15 USC 1692

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 2018-12-12
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ALLY FINANCIAL INC. has engaged in a despicable tactic where I paid 100 % of my lease and then returned the car, they asked for additional money upon return alleging damaging in excess of wear and tear, I had filed a complaint for their dishonest debt collection conduct and we had reached a settlement on a revised amount of money that was being asked. I paid again 100 % of the amount they asked and upon receiving the amount of money they claimed I owed they falsely reported as a collection/reposesion account. I believe Ally Financial should be investigated, sanctioned and fined for their misconduct my credit report has dropped 45 points as a result and stopped me from applying for a mortgage. I reserve the right to bring any viable claims against ally for their willful, spiteful and predatory collection practice. I even received a letter claiming that I was paid in full from Ally.

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 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1.  XXXX, # 2. XXXX & # 3. Transunion about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX ) after the Account have been closed in Good Standing 3 Months prior, Another problem with 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 2021-05-20
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent 2 debt verification letters XXXX 2021 allowed over 30 days for a response and the Fidelity XXXX never sent verification of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act ; 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 rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-08-12
Company: EQUIFAX, INC.
State: TX
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:
CC : Attorney General CC : FTC Identity Theft FTC Report # XXXX All I have to say is fix this now before I file suit for Defamation of Character. As I stated before because of your assumption you have negatively affected my life and those around me causing me severe hardship, mental anguish, and XXXX because of you assuming this role. Pursuant 15 USC 1681 ( 4 ) I have the to privacy. Your company also needs WRITTEN consent to furnish anything on a report let alone create one in the first place Pursuant 15 USC 1681b. I have more than enough evidence. 


*** ALL ACCOUNTS AND NAMES BELOW NEED TO BE DELETED NOW *** 1 ) XXXX XXXX XXXXXXXX Account # : XXXX 2 XXXX XXXX XXXX XXXX Account # : XXXX 3 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I discovered my debit card was missing and asked around for it but no one had it seen it and I thought I had given it to my sister and she misplaced it again so I just decided to wait untill it pops up and it it didn't in a week report it. The next day on XX/XX/2020 i meet up and stayed with the person who stole my card without me knowing. In the morning of XX/XX/2020 and he asked to borrow my phone to make a delivery to earn money from a family member real fast and that he would be back in 40 mins tops. I decided to let him use my phone and he left me in his house for hours before returning. Once he returns we get into an argument about him disappearing with my cellphone and he takes me home and it's almost XXXX. I had made plans with a friend so I proceeded to go to their house where I spent the rest of my day. I returned to my friends house first thing the next day on XX/XX/2020 where I spent the day again before going home. On XX/XX/2020 i go to my friend 's house first thing in the morning. On my way to his house I decided to buy us food and discovered my account was frozen and a check had been deposited from a bank atm into my account for {$4000.00} half was pending thru cash app and the other half had been sent out thru XXXX. I called the bank the next day and was told couldn't do anything untill it was finished pending and was sent to the fraud units answer machine. They told me they would get back to me. On Thanks giving I called again and no one was in because of the holidays. On XX/XX/2020 i confronted the man who stole from me and a gotten threaten and blocked. I waited all day and no one got back to me. I called back XX/XX/2020 and spoke to the fraud unit and they told me because everything came from my account I was responsible and didn't really listen to me. They decided to close out my account with all my money. I have all my information on my phone saved from when I had to fill out paper work and I have the same pin for most things. She didn't listen. Currently I'm making a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In early XX/XX/2020, I called Amerisave to inquire about the possibility of refinancing my existing mortgage. I informed the loan originator that I wanted to subordinate an existing Home Equity Line of Credit and refinance if it would save me a significant amount of money. As selling points, he outlined three points that convinced me to begin the application process. 1-I was told that subordinating the HELOC would be no problem ( I also indicated this as my intention on the application paperwork ) 2-we would likely close the loan within 30 days 3-no appraisal would be required. 

Based on these three points, I agreed to pay the {$500.00} application fee with my credit card. From that point we waited weeks for a processor to be assigned ( I was not particularly concerned since we were locked in on our rate and I knew this was a high volume refi time for them XXXX. However, when I reviewed the application on my portal, the paperwork did not reflect my desire to subordinate the HELOC. 
When I called, it took over a week for the originator to respond, and when he did, he had 'forgotten ' that I wanted to do this. This happened on three or four occasions, and then eventually it became their mission to convince me NOT to subordinate, because it would just take too long. 
Weeks past and I continued to submit all requested documentation, and eventually I was informed that if I was to continue to subordinate, that I would need to have an appraisal done, and that my closing costs would increase because of the appraisal fee. At this point I sent multiple emails to both the loan originator and loan processing expressing my desire to terminate the process and to receive a refund of the application fee. I feel that this is completely justified due to the fact that NONE of the XXXX factors/points used to convince me to refinance ever materialized. It has been nearly XXXX weeks since I sent these emails and I have not received a response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account was a Charge off account and it was opened in 2015 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I have to get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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