BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX called me 4 days ago. They also called my husband my mother in law and my husband 's uncle. Who knows who else. This seemed incredibly invasive considering his uncles name and phone number is no wear near anything we own/have any debt on etc. They called me about an account that apparently had like XXXX I needed to pay. They had it under my old married name which is incredibly weird considering the apparent date it was opened which was XXXX. Me and my husband got married in XXXX why would I open anything I'm my madien name. They gave me an account number which I called the bank about and they can not find that account in their records or in collections. My credit report has no records of it. They have said mail and email has been sent out but we have not received anything. Nothing is adding up at all and it's all super sketchy and 100 % feels like a scam.

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 2019-09-07
Company: Experian Information Solutions Inc.
State: LA
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:
Ibhave a lot of inquiries on my crwsit I didn't approve and I didn't do it will show in the attachment

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 2018-01-26
Company: Navient Solutions, LLC.
State: AZ
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 have been on Administrative forbearance thru Navient while my Defence of Repayment is reviewed by the Department of Education. I have contacted Federal Student Aid and they agree my DTR is still being reviewed, thus allowing me to be on administrative forbearance. Navient refuses to recognize this and demands payment. Department of Education website and via phone call shows i do n't owe a payment till 2021 due to DTR review. Navient wo n't accept this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: EQUIFAX, INC.
State: VA
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:
I sent letters to the consumer reporting agencies, XXXX Equifax and XXXX on XX/XX/2021 to notify them of inaccurate and obsolete items on my credit reports. After 30 days with no response I then sent letters on XX/XX/2021 notifying each agency that they were required to notify me of their investigation results within 30 days but yet neither agency had provided me with updates or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

XXXX XXXX XXXX XXXX BK OF AMER 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 2019-06-27
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call from a lady this morning at XXXX XXXX- it was the number of our city building- she stated that she had tried to serve me at my XXXX address but couldn't get me so she was at the city clerks office in XXXX and was going to serve me at my work if I didn't call XXXX-XXXX-XXXX and give them ID # XXXX-XXXX. I called XXXX XXXX  building and they said that no one was there to serve and they hadn't called me and she didn't know how they made it look like it was from XXXX of XXXX. She told me that they are going to turn me in for fraud for giving a bad check and they were going to my place of employment. 

I called the XXXX number after speaking with the city- the lady there told me that they were XXXX and XXXX XXXX office and they were suing me today if I didn't make the payment. That I had committed fraud and that they would serve me. I told them I wanted written proof of the debt and she told me they wouldn't provide me with it and that I would be served and the paperwork would be in that. She told me that they will go to my job- I told her I do not work there anymore and she said they'll go there to verify and then they'll find out any job I go to in the next 6 months and will serve me there if I don't pay. She said I owed XXXX but with fees and the 300 % interest I now owe XXXX and if I didn't pay today they are serving me and my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I contacted Bank of America as soon as I realized my personal information has been compromised. From the beginning, I was not offered fair and just assistance. I feel that Bank of America wrongfully discriminated against me and refused to assist me in this sensitive matter. I was able to get the copy of the fraudulent checks that were deposited into the account by the scammer. It was very clear that I was not in the state of Illinois when these checked were deposited, nor is my signature on the fraudulent checks. Instead, Bank of America did not investigate, closed my account and reported the account as fraud to XXXX  and XXXX XXXX XXXX. This was unfair and discriminate behavior to a very long standing customer. The only resolve is to have my XXXX XXXX XXXX report clear of their Bank of America erroneous entry.

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 2021-02-15
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 some people who were pretending to be an identify verification company for cash app and XXXX committed fraud using cash app and my bank account. This fraud occurred using Cash app which is a subsidiary of square. The people committing the fraud said that I needed verify my identity by sending money to a person that I know and having them send the money back to me. I sent {$1900.00} to my wife XXXX XXXX, and she sent it back to me to my cash app. The fraudsters asked me to use an application off the XXXX XXXX  called XXXX XXXX quick support. This was part of the very detailed process that was described to me by the fraudsters that would help with my identity verification which would also me to use other quick money transaction applications. From an optics standpoint, the money looked like it came back to me from my wife on the cash app platform as it even had my cash app name as the recepient. However, somehow the fraudsters must have a way to manipulate cash app systems because the funds got deposited onto a bank card that was not linked to my wife or my cash app account and still isn't. I reached out to cash app, they do not have any phone support and continued to send me in a circular loop of emails saying " the money went to your bank card '', with me continuing to tell them that it did not. Finally cash app sent a record of the transaction. My bank XXXX reviewed it an pointed out for Cash app that it looked like the money was withdrawn from a XXXX terminal in CA. I live in Ohio and was in Ohio at the time. This was another major indication that fraud had occurred and Cash app at the point really slowed their communications back to me via email, possibly to gather a story to try and explain what another financial institution had pointed out to the. Cash app from my perspective has some liability in this, and is refusing to assist me with the issue that occurred on their money transfer platform. Cash apps website even says they have fraud protection, but when the fraud occurs they are reluctant to help. {$1900.00} is a lot of money to me, and I would think that cash app would be able to refund customers and have some ownership in understanding how fraud is occurring through their systems verses a rehearsed response to affected customers saying " the money went to your bank card, which is not true ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They said that I owe them money from a hospital bill. I have not been to that hospital in many years and I have never recieved a bill from that hospital. I think it's a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I wrote a letter to XXXX XXXX Cardholder Services last year confirming I spoke with an actual agent informing me that my account is beyond 7 years old and beyond the Statute of Limitations to collect. This was back in XX/XX/XXXX for an amount of {$230.00} that originated before XXXX! XXXX XXXX  keeps continuing to leave this on my report and previously tried to email me to renew this account that was closed. The credit bureaus have not removed it despite me disputing the age of this account! I asked them to remove it early, when the truth is this account should have been removed a long time ago and they keep renewing and changing their dates!

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to request my free credit report from all 3 agency using the XXXX XXXX XXXX  website but after entering the requested details none of them are working. Either errors out or asking me ti send information via regular mail. Trying to get the report in the past week multiple times, the site never worked. It's either redirect to the agency site where I have enter additional info and then errors out, or simply doesn't work at all.

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 2021-06-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 
WELLS FARGO 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 non-monetary relief
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX PULLED MY CREDIT REPORTONXX/XX/XXXX, AFTER CALLING SAYS IT WAS IN REGARDS TO A CLOSED CARD DATEDXX/XX/XXXX, THE INFORMATION WAS GIVEN TO XXXX XXXX XXXX XXXX XXXX S.CarolinaXXXX , no phone number was supplied.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: IN
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:
on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX XXXX : XXXX XXXX- Account : XXXX Creditor : XXXX HOSPITAL - Account : XXXX Creditor : ( BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : 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 2020-04-27
Company: Nelnet, Inc.
State: RI
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:
Putting aside the fact that I've been paying on this predatory loan for about 13 years with minimal balance impact, Nelnet has hit a new low in my opinion. They are providing Covid-19 interest " relief '' until XX/XX/XXXX. Normally, approximately 6 % of my monthly payment goes towards interest. However, I noticed on XX/XX/XXXX they applied over 30 % ( {$110.00} ) of my normal {$300.00} payment towards interest. Basically collecting the interest from the " relief ' period in a lump some. They are deceiving the public into believing they are trying to help when they are not, and restructured my payment without my consent. I would love for the CFPB to investigate mine and other students payment histories. I'm sure it's teaming with examples of unfair or deceptive practices. How long are we going to let companies like Nelnet exploit our youth and trap them in a debt cycle well into their adult years? I've paid so much money to these people, it's sickening. Never missed a payment, yet by balance goes nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX entered into a consumer credit transaction with Capital One Auto Finance on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One Auto Finance took cash. The finance charge is suppose to inclose insurance, Capital One Auto Finance made me purchase separately. 15 usc 1635 ( a ) states ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Capital One Auto Finance did not disclose to me my right to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Monitoring agencies had glitch in their system that violated the rights of their consumers under section 6.11.  As a result, I have been gravely affected and my score is suffering as a result. I have asked for investigations, I have made phone calls to Bureaus and collectors, without any prevail or response in a timely manner. 

No notice was ever given which is also a violation and I am requesting that ALL previous collectors be removed. I am unable to obtain a mortgage because of errors on my credit report that were not investigated properly. The glitch caused investigations to take longer than 30 days and late payments to be removed and then readded on over 2 accounts XXXX and XXXX XXXX. If these companies have verification that I was late it defaulted on a loan a late payment should not have been removed then placed back onto my reports. There are error on my reports from Natural Disasters in 2016. These reports are undeniably creating missed job opportunities during this pandemic, mortgage loan failures, and causing more problems on my life during such a crucial time in the economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: CA
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:
I sent a 609 dispute letter to XXXX, Equifax and XXXX on XX/XX/21. It has been over 30 days and they have yet to provide me with the results of the investigation. They have been reporting inaccurate Information. I have also sent a demand to comply letter on XX/XX/21 to the Bureaus.

Company response to consumer: Closed with explanation