BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: CO
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: Other problem getting your report or credit score

Complaint:
In XXXX I attempted to create my online MyEquifax account to monitor my credit information. I have been unable to gain access to my account ever since, instead receiving a screen with the text " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '' on it when I attempt to log in. I have tried calling this number multiple times throughout the past years to get this resolved : the first time in XXXX I was passed around to various departments who claimed that their department didn't handle this issue until I eventually hung up after around 2 hours of being transferred repeatedly. The second time in XXXX I was told that I needed to contact Equifax support via their email service, which I did and was promptly told that they couldn't do anything for me and that I needed to call the same Equifax support number again ( XXXX ). The third time I called in XXXX, I was sent a password reset link via my email address, which I reset my password with and still encountered the same screen as before when trying to log in with my new credentials ( " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '' ). As such, I am unable to access my Equifax account and credit information and Equifax has been unable to resolve this issue for 3 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021 I applied for a personal loan with Net Credit. I was " approved '' for a loan in the amount of {$2700.00} and allowed Net Credit to view my checking account via their online account link. I then received an email indicating I needed to provide a copy of my most recent bank account statement, which I did immediately. 

Shortly after submitting my bank account statement I received an email informing me my application was denied due to the fact my checking account was associated with a different loan account at Net Credit. This is true. My husband has an individual personal loan with Net Credit for which he is the sole obligor. Likewise, when I applied for my loan, I applied individually and was conditionally approved based on my own credit and income. The fact that my loan was denied simply because my husband and I share a joint checking account creates a condition of disparate impact in its purest form. 

I would ask Net Credit to review this discriminatory policy as any couple sharing a joint bank account will be denied when other couples who happen to have individual bank accounts will be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX XXXX XXXXXXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}

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 2022-04-06
Company: EQUIFAX, INC.
State: DC
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 submitting this complaint against Equifax, there is no third party involved. 
Equifax is reporting multiple inaccuracies on my consumer report. My personal information My name is spelled incorrectly. ( Exhibits provided ) My address is inaccurate. ( Exhibits provided ) The employment section is inaccurate. 
The name on my ID and social security card are how my name should be spelled. The address on my ID is my ONLY address. Pursuant 15 usc 1681b I have contacted Equifax multiple times with written instructions to delete accounts XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX ( exhibit provided ) they have ignored and refused to comply At this time, I DEMAND EQUIFAX TO CORRECT THE INACCURATE PERSON INFORMATION AND DELETE THE REQUESTED ACCOUNTS WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME SIGNIFICANT DAMAGES INCLUDING OBTAINING HOUSING, GOODS, TRANSPORTATION AND MORE. EQUIFAX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply with my written instructions Pursuant 15 usc 1681b Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened the account through XXXX with Synchrony XX/XX/2017 and at the time the credit line was at {$1200.00} and I made a purchase at {$640.00}. The bank later came and down my credit limit down which put me in default and over drawn. I paid the card and never used since that time. A few weeks ago I got a letter from Synchrony that they closed my account due to bad credit. I never applied for an increase in credit limit.

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 2018-09-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I CONTACTED THE DEBT COLLECTED AND MADE A PAYMENT TOWARDS THE AMOUNT OWED. THEY ARE STILL CALLING THREE OR FOUR TIMES A DAY. THIS COMPANY WILL NOT WORK WITH YOU AT ALL. THEY ARE VERY RUDE.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: IL
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 dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX, I responded to an offer from Bank of America that required one to open a new checking account and make two direct deposits of at least {$250.00} each within 90 days. According to the attached notice of terms, a bonus of {$100.00} would be deposited in my checking account within the following 60 days. 

After I enrolled for the offer on XX/XX/XXXX, I received a letter via regular mail from Bank of America dated XX/XX/XXXX that stated the requirements of the offer and included a reference number XXXX ( see attached ). 

I made the two required direct deposits in my checking account : the  first on XX/XX/XXXX for {$250.00} ( salary ) and the second on XX/XX/XXXX {$1000.00} ( pension ), well within the 90-day time frame. The terms clearly state that the {$100.00} bonus would be credited to the  account within 150 days of opening the account. On XX/XX/XXXX, I spoke to XXXX in the Advanced Client Solution Department ( XXXX, GA ), who confirmed that the bonus would be credited to my  checking account by XX/XX/XXXX. When it was not, I called this department again on XX/XX/XXXX, speaking to XXXX in XXXX XXXX, TX. He researched the issue more fully, stating that I most certainly qualified for the bonus as I made the two required direct deposits within the 90-day time frame. He promised he would escalate the case and that I would receive a call from Bank of  America by XX/XX/XXXX. 

When I did not receive a call -- - and the bonus had still not been credited to my account -- -I contacted the Advanced Client Solutions department once again on XX/XX/XXXX, this time speaking to XXXX XXXX in Arizona XXXX He said that the escalation team is holding up the decision and there was nothing he could do. 

Therefore, I ask that your organization request that Bank of America upholds its end of the bargain and pay its advertised bonus of {$100.00} to my checking account as soon as possible. 

Thank you.

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 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I called XXXX XXXX and Spoke to XXXX at about XXXX on XX/XX/2021. Their system states the calls are recorded. I let XXXX know that the call was recorded on my end since I was at work. 

XXXX refused to assist me saying that their compay policy does not allow call recording. I stated that they are recording and they can not give themselves a right that they deny me first. Second, Federal law allows one part recording without the other parties knowledge. Thirdly Federal law requires the credit company to allow me dispute the charge. 

XXXX spoke with a supervisor, who she would not name and refused to assist me and disconnected the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
My credit card account was recently purchased by Capitol One from XXXX XXXX XXXX. I was not given notice by either company of this transaction therefore ; my auto debit for monthly payments to XXXX ceased and no payments were being made to Capitol one. I did not know these payments were needing to be made because I did not recieve notification from Capitol One or XXXX XXXX XXXX that my account was sold. I had no way of knowing that i needed to make Payments to Capitol One. Furthermore once i was notified late XXXX that I had late payments by XXXX XXXX I immediatly made all past due payments and set up auto draft with Capitol One in order to maintain good status with them. My credit score has now been damaged and impacted with a 30 day + late payment and Capitol One will not remove the 30 day late report to the credit bureau. I am currently in process of buying a house and I need this removed immediatly. I have been in good standings with all creditors for 4 years and not missed or been late to any creditors however this is causing my credit to be blemished. I feel this is in no manner my fault and would like it to be removed from my credit report as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Credence Resource Management LLC tried to collect payment from my father, XXXX XXXX, who is XXXX years old and doesn't take care of his financials. I am the one who takes care of all his financials, XXXX XXXX, his daughter. When he got the first of 4 calls he had asked where the they had sent the bill because we had not received one in the mail. He requested them to mail the bill to his home address and they continued to harass him. I finally called XXXX and found out they had the wrong billing address in the first place and this was why we had never received the bill the first place. They, XXXX, in turn sent the bill at that time. After three phone calls from Credence we finally got them to mail the bill as well. After receiving the bill I called them and told them I would be handling the payment as soon as possible which means in the next day or two. They harassed me to make the payment by phone that day. I am currently making that payment by phone so we can quite being harreased by such an unprofessional company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed in our XX/XX/XXXX mortgage payment of {$1200.00} to JPMorgan Chase on XX/XX/XXXX by certified mail to the company payment dept. in XXXX, AZ. Chase received the payment on XX/XX/XXXX. On XX/XX/XXXX, our Chase online mortgage account showed that the entire amount of {$1200.00} was applied as a principal reduction on XX/XX/XXXX. The check and mortgage payment slip were clearly marked as a mortgage payment. This is not the first time that Chase has misapplied our mortgage payment. The same thing happened on XX/XX/XXXX. We had to fight with Chase to get our mortgage payment fixed. In XXXX XXXX, we received three debt collection letters from Chase even though our mortgage was not late or in default. In XXXX XXXX, we have received three debt collection letters even though our mortgage was not late or in default. That is six debt collection letters in one year without legal cause. 

Chase disbursed from our mortgage escrow account in XXXX, XXXX, and XXXX for not reason. In XXXX XXXX, Chase disbursed from our escrow account and then raised our mortgage payment. Chase has continually used our mortgage escrow account to try to put our mortgage in default. In XXXX XXXX, we found out that our homeowner 's insurance provider XXXX XXXX was a bank client our JPMorgan Chase when we changed insurance providers and started to cancel our insurance policies. Neither company disclosed this information to us. Every year since XXXX, when Chase took over the loan servicing our our mortgage we have seen significant premium increases in our homeowner 's insuranc. Both XXXX XXXX and JPMorgan Chase benefited financially from this arrangement. 

Chase 's customer service dept. is designed to sent customers on a wild goose chase. We received a letter from Chase dated XX/XX/XXXX stating that XXXX XXXX, XXXX Chase Relationship Manager had been assigned to work with us regarding our mortgage issues. He listed is direct number as XXXX. I called this number four times to speak with him. It was the Chase automated general customer service line. We have repeated received unsigned form letters with no contact information to speak to an actual Chase employee. We have also received letter stating at an employee had tried to call us which was untrue because we have caller id. 

The most disturb thing that we learned on XX/XX/XXXX was that JPMorgan Chase was not the legal mortgagee on our mortgage. The clerk of court has XXXX XXXX listed in the mortgage records as the legal mortgagee. Apparently, our mortgage is being transferred from XXXX and XXXX XXXX such as JPMorgan Chase. Which means that the original promissory note on our mortgage is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: The Receivable Management Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are over 40 collection account through XXXX, XXXX, and XXXX on my credit reports. I do not acknowledged I do not own any of these accounts. This company is not friendly very rude to customers and just very unprofessional. They refuse to verify validate the amounts old and its has been 6 months and they still have not responded. Please advise. The name of the company is Recievables Management Corporation XXXX XXXX XXXX, XXXX, SC 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 2021-06-11
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Keep having to reset my password and still can not get into my credit monitoring account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I contacted Equifax on XX/XX/2018 to submit disputes on line. They said they would advise me of up dates and never did. Then when I tried to check the results it would not let me download. Then I tried to chat and call someone and can not get any help. They did not advise me of results within 30 days so these items should be taken off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EdFinancial Services
State: WA
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 requested a student loan refund in the amount of {$10000.00} to EdFinancial on XX/XX/XXXX. I was told by the representative that I would not be receiving confirmation of my request for a refund, nor a notification that my refund has been processed. I have no formal confirmation that my request even occurred. Further, the representative could not provide me with an estimate of when my request would be processed, and when pressed, the representative told me it would be " months. '' I had originally paid my student loan balance in its entirety with XXXX XXXX XXXX XXXX XXXX in or around XX/XX/XXXX. EdFinancial subsequently took over loans being handled by EdFinancial. I asked the EdFinancial representative how I would now manage my newly refunded student loan balance, and was told that they did not know. I am being provided absolutely no information about how this refund process will work, or how to reestablish payments once my balance is restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reviewing my consumer report I noticed my privacy being violated. I have rights as a consumer to privacy on all reports. 34 CFR Part 99 - FAMILY EDUCATIONAL RIGHTS AND PRIVACY States I have a right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Also States I have a rights as a consumer. I request a proper investigation into this matter. Please produce the ORIGINAL STATEMENTS containing my signature that authorized this information being reported to my consumer report. 
XXXX XXXX XXXX # XXXX Has reported to my consumer report and has cause damage to my reputation. I have been denied good faith and credit for services and goods. I want all loans dealing with this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are XXXX XXXX FL, XXXX XXXX DE and Capital One XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?

Company response to consumer: Closed with non-monetary relief