BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it might concern ; I was on vacation in XXXX XXXX staying at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My husband and myself were looking for a taxi on XXXX XXXX  from the hotel to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ride is XXXX XXXX each way. 
I looked up XXXXXXXX XXXX, however the wait time was too long, price range was between XXXX XXXX each way. 
I was approached in the hotel lobby by XXXX XXXX named XXXX XXXX, stating that he can take us to the stadium and I can use credit/debit card. He was driving XXXX XXXX XXXX XXXX XXXX XXXX 
We used XXXX XXXX XXXXXXXX from the airport to the hotel ( further distance ) and were charged {$100.00}. 
XXXX did not disclose that he will charge us {$360.00} to the stadium, we agreed on {$100.00} each way. XXXX XXXX also agreed to pick us up from the stadium at the same price. 
XXXX did not provide us with any sort of receipt, and no amount was showing on display. No signature was provided. 
I received a fraud alarm when we tried to pay after dropping off back in the hotel, The alarm was asking to approve {$250.00} authorization. 
That authorization was approved as I assumed that was the cover for each ride. 
I received an additional charge of {$720.00} from XXXX XXXX, which was not approved either. 
My husband XXXX XXXX contacted XXXX XXXX via text message trying to resolve the issue. 
XXXX stated that he provided limo service, however, no limo car was provided nor requested. 
Please see XXXX XXXXXXXX XXXXXXXX XXXX XXXX. Website states his prices, {$750.00} charge is for all-day service which we did not request nor receive. 
XXXX overcharged us based on false demand, which is also illegal. 
Bank Of America refused to represent our case due to the inability to provide a receipt. 
However, they sent us a text message with a fraud alert at the point of authorization.

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 2023-09-29
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie mae consolidated loans at XXXX XXXX. Borrower paid timely at XXXX XXXX Navient became loan servicer of Salliemae loans and changed interest rate to XXXX XXXX  at an unknown date. XX/XX/23 telephone call Navient refuses to provide reasons why or how the loan terms changed without borrower approval. Borrower seeks to repay at XXXX XXXX per terms of sallie mae repayment consolidation. Navient refuses to provide copies Sallie mae documents or Navient loans of the terms of assignment of loan from Sallie mae to Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: ZIONS BANCORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted the bank regarding fraudulent use of my debt card in XXXX. Their response was that they found no errors in a letter dated XX/XX/2023. I was not stating errors but Fraudulent charges. I have since sent emails in XXXX with more detail about the charges and are still awaiting a response.

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 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 US code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Kohl 's violates this right on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Approximately 4 years ago I applied for a credit card from my bank - Santander Bank. From the very inception I started to have problems using the card at retail stores and complained to the bank about the embarrassment I experience each time ; nothing was done about my complaint. On Monday, XX/XX/2020, the card was declined for purchases I wanted to make ; on Tuesday, XX/XX/2020 I contacted the customer services department of Santander bank and requested that the card be closed ; for over 45 minutes I was bounced from department to department and was unsuccessful in getting my request completed. On Wednesday, XX/XX/2020, I went to the XXXX XXXX, XXXX, New York Branch of Santander bank and requested assistance from the employee who originally helped me to obtain the card. The credit card department refused to comply with the request made by the bank employee and insisted in speaking with me. I spent over i hour being transferred from one employee to the next without getting my request completed. I noted some of the employees names they are XXXX, XXXX and XXXX. Those employees kept making a number of frivolous excuses and refused to close the credit card account. Now I am being held responsible for a credit of {$10000.00} but can not use the card at my convenience and can not get the bank to cancel the account.

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 2020-03-04
Company: Deinde Online Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan from Integra Credit in XXXX. They charged me a 275 % interest. I was charged an interest charge on cash advances fee, a customary fee, and a fee charge on cash advances. I was not aware of all of these charges when I took out the loan. With all of these high percentage fees, it makes it impossible to pay the loan off. I am not going to loss my house over this loan. I have now stopped paying them. I cant afford to give my money away to greedy companies like Integra credit. They continue to harass me daily with phone calls and emails. They call my family members for no reason at all but to let them know that I owe Integra money. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Holder of Mortgage : Loancare , LLC NMLS ID XXXX I have been requesting the ORIGINAL Documents ( Stock and Lease ) for us to schedule a Closing date, as we have a buyer for our apartment. Our initial request date was around XX/XX/2020. 

Since then, we have yet to receive the information. I have been calling on a regular basis and have been given the wrong information. Some of their Representatives dont even know what Im asking for. I was told it was sent out but it never was. 

Below is a small list of your Representativeswho will be included in complaint : They had no idea what I was talking about They lied and said information was sent out They asked how to spell " affidavit '' ( clearly not the smartest ) They said they would call and follow up - never did XXXX XXXX - ID # XXXX XXXX - ID XXXX XXXX  - ID XXXX  XXXX - ID # XXXX XXXX - ID # XXXX Ms XXXX XXXX XXXX XXXX XXXX, Arizona ) Ms XXXX XXXX - ID # XXXX XXXX - ID XXXX Ms XXXX ( Supervisor ) ID # XXXX XXXX ID # XXXX XXXX ID # XXXX XXXX ID # XXXX XXXX, XXXX, XXXX, XXXX, XXXX Shame on me for not getting their ID numbers but this was in the beginning of me trusting Loancare would supply me with requested documents on a timely manner The latest phone call was with Supervisor XXXX in XXXX ID # XXXX, actually dismissed me and hung up. Stating that they are working on my finding our documents. 
No definite response, no follow up email for me to forward to lawyer. No direct information for their lawyers. 

I dont know where else to turn and would appreciate any help that can be offered

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hey, my name is XXXX XXXX XXXX XXXX XXXX, I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

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 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 


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 2021-11-04
Company: EQUIFAX, INC.
State: DC
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:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete  audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of  this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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:
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 Names and numbers as follows 1 : XXXX  XXXX Account Number XXXX XXXX : XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 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 writter 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 2020-03-04
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:
I am writing this due to non-compliance with the (, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-02-06
Company: Home Point Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My issue has to do with an existing mortgage, but the categories available doesnt fit my issue. I am setting up a revocable living trust and reached out to our mortgage company ( Home Point Financial Corporation ) on XX/XX/21 to inquire if a due on sale clause will be invoked should I transfer title of the deed to our home to our names as trustees of the trust. I also informed the supervisor that do not wish to make any changes to whom is responsible for the loan itself. Our individual names will still be on the loan and the trust will not be listed as the payor of the mortgage. We spoke to a supervisor who was unable to answer our question so we requested to speak to someone in the legal department to see if they had the answer. Home Point refused to transfer us to the legal department and in addition refused to provide an answer over the phone or in writing. I believe this is a common situation that should be easily answered in writing, but they refused to do so and would not give us a legitimate answer on why they would not provide it in writing. I also know that it is illegal to invoke a due on sale if I transfer the title of the deed to our home to the trust, but they refuse to acknowledge that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally complain about the handling of my request to block information pursuant to 15 USC 1681c-1, as allowed by the Fair Credit Reporting Act ( FCRA ). This complaint is in response to your denial of my request to block information related to identity theft, as detailed in your response dated XX/XX/. 

I have submitted multiple valid requests, which were supported by identity theft reports filed with FTC on XX/XX/. Additionally, I provided all necessary documentation to support my requests, including, but not limited to, a valid driver 's license, identity theft reports, proof of address ( bank and mortgage statements ), a copy of my consumer report, a copy of my Social Security card, and the required statement to request the block. 

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 In your response, you stated that my request was declined based on the following reasons : - My request to block was made in error. 
- My request to block information was based on a material misrepresentation. 
- I knowingly obtained or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. I assert that these denials are without merit and are in violation of the FCRA. I have demonstrated the validity of my identity theft claims and provided all necessary documentation to support my requests. The denial of these requests without proper investigation is a violation of my rights under the FCRA, including my rights to accurate reporting, the right to block information resulting from identity theft, and the right to dispute inaccurate information. 

As a result of these violations, I have suffered financial harm, emotional distress, and other damages. I am seeking resolution to this matter and a correction of my credit report in accordance with the FCRA. 

I kindly request that you conduct a thorough review of my case, reconsider my request to block the information related to identity theft, and take the necessary steps to correct my credit report. I also request a written response detailing the actions you intend to take in response to this complaint, All disclosure, and names, numbers and addresses of all individuals or entities spoken to validate and verify all information I expect your prompt attention to this matter and a timely resolution of the issues raised. If necessary, I am prepared to seek legal remedies to protect my rights under the FCRA. 

Also included are all documents provided with initial reports, responses from XXXX and 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