BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: Michael Wayne Investment
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had a loan with XXXX XXXX Investment XXXX XXXX XXXX XXXX in XXXX however was unable to continue to fulfill making the payments and returned the vehicle which I was advised by the salesman during purchase that would be perfectly fine. I was then garnished for the first time in XXXX however never received any notification from VA XXXX XXXX XXXX as I reside in XXXX, VA. I never received any information about the debt or even that the vehicle was auctioned which is standard process. I did not know what happened as I never received any information or phone contact. This is illegal as I should have been given the opportunity to go to court when this was a warrant in debt. I believe this company purposely did not send me any information so I would not come to court and unable to argue the debt. I feel forced into this accepting the garnishment or debt because I was not given the right to a court date. I have advised the company I am unable to afford this debt as a single mother and I also feel they are personally attacking me as they continue to begin the garnishment process during my birthday month of XXXX and prior to the holidays. I paid {$350.00} per paycheck in this garnishment as I was garnished twice last year and the amount showed I owed $ XXXX in XXXX now it is {$14000.00} in XXXX after paying payments in the garnishment. The company is very corrupted and what they are doing to people is illegal. It should be illegal to charge anyone these amounts of interest. I believe I paid this car off as the car was worth {$3000.00} yet on the lot for {$10000.00} however I paid a year worth of payments at {$380.00} paid into a garnishment last year and they have begun another garnishment. I am at the point of losing everything because of this company and I do not understand how this is even legal. They broke fdcpa laws and many other regulations yet they are allowed to continue to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: ME
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:
Letter dated XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding Personal, Secured Loan from XXXX that was Paid, Closed, NEVER LATE- the 3 Agencies had Reported incorrectly with showing Late Payment. 
Submitted the Letter from XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX to all 3 Credit Reporting Agencies and ONLY XXXX corrected the information to report properly ... XXXX and Equifax now have Reported as 2 Late Payments, and showing as NEGATIVE Account ... 
Both XXXX and Equifax make obtaining Report OnLine impossible. 
XXXX  asks what County I lived in 23 Years ago- yet can't report correctly information from a letter sent to them 6 months ago. And Equifax was breached, and I have no assurances that they should have my personal information- but they could at least update the Correct Information when provided to them- and it should NOT take over 6 Months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened Capital One Credit card XX/XX/200. I have kept the card clean and pay my bill on time. 
Recently when making a payment from my online account. I had a lock on the account and the payment was returned. When XXXX realized the lock I unlocked the account and resubmit the same amount of payment of {$2000.00} and it went through. But before long I noticed that my account has been locked. I called Capital one to unlock my account. I verified all the info they needed but they did not unlock the account. Besides they discriminated me using discriminative language such as this is done just to you. And other talk down language such as it seems you dont understand this complex concept. 
I reported the incident and that my account has not been open to the supervisor. She promised to contact me another time. From that time I called about 5 times and I couldn't speak to the supervisor. She said she can not provide direct line to resolve the issue but she is the only one who can resolve the issue. However, when I call they tell me she is not available and she never tried to reach out again. 
Recently I paid the accout off and requested for them to unlock my account. They have not unclocked the account and they are threatning to close my account. 
I believe this is just the continuation of discrimination, intimidation and put down to close the account that has been and it is in good condition for more than XXXX. I feel that Capital One is overstepping their authority and they are exercising financial abuse to a good customer for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I contacted the debt collection company by the name of 'Credit Control Corporation ' to receive information about a debt they claim I owe and a possible settlement agreement. Specifically, I talked to their 'XXXX XXXX ' department. The debt amount in question is {$170.00}. After talking to the caller over the phone they told me that they would be able to agree to a settlement of about {$100.00}. So instead of paying the {$170.00} I would only need to pay {$100.00}. I agreed to pay the amount of {$100.00} to settle the debt, however, when I requested for them to send me a written agreement they said that they wouldn't be able to send me a written agreement and I would have to make due with a verbal agreement and give them my payment information over the phone. I decided not to pay at that moment. I wish to pay off this debt in full at the agreed amount, however, I believe they are acting in bad faith and do not trust that they will only charge me {$100.00} to end the debt once I give them my payment information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I originally borrowed {$51000.00} in XXXX and have been making payments since. In XXXX Navient capitalized {$24000.00}, which is 48 % of the borrowed amount and I have n't received a reason why such a high percentage was capitalized. Through XXXX/XXXX/XXXX there was {$24000.00} of capitalized interest and the {$24000.00} + the {$51000.00} = {$75000.00} so I 'm not sure why there was a consolidation payment of {$91000.00}. My new balance is not more than doubled of what I originally borrowed and there have been payments throughout. I believe the capitalized interest total is wrong, the consolidation payment total is wrong and my current balance is wrong. I have been trying to get a breakout or a walkthrough that shows all debits and credits and I have n't been able to get that from Navient. 

I 'm being billed more than twice what I owe and I do n't want to default of hurt my credit but I do n't know what else to do if I ca n't get a corrected balance. I also never approved the consolidation in XXXX I was looking to see if it would be beneficial for me to do so and the loan was consolidated without my approval. I need to get resolution to all of these matters before this situation gets out of hand and the amount owed doubles again. It seems like Navient wants me to pay upwards of $ XXXX when it is all said and done on a loan that was originally $ XXXX I do n't see how this is even legal. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: TN
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:
My privacy was breached by XXXX, Equifax, and XXXX. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : DPT EDXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX! XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax Credit Bureau more than 15 times via phone and certified mail in regards to unauthorized inquiries listed on my credit report. I have explained that I did NOT authorize certain inquiries and my credit report was pulled WITHOUT my permission. Credit inquiries are not any different from any other information listed on a credit report in regards to accurate reporting.This information must be verified. I did not authorize these inquiries and Equifax has no proof that I authorized the inquiries therefore the agency should not have those inquiries listed on my report. 

I have also asked Equifax to complete an investigation in regards to these unauthorized inquiries to determine who authorized the inquiry. However, my request was not granted. I was told inquiries are factual and can not be removed. 

According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers have the right to dispute any inaccurate information on their credit report. I have tried to dispute these unauthorized inquiries to have them REMOVED from my credit file. However, Equifax refuses to remove the inquiries without doing the proper investigation and verification which is a violation of my consumer rights. 

I have also contacted each business directly asking them to remove the unauthorized inquiries. However, my requests were ignored. 

The inquiries that are unauthorized and should be removed are listed below : 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 These inquiries should be removed. They are unauthorized and Equifax has failed to properly verify who authorized these inquiries on my behalf. I have no knowledge of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Northeast Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Starting XX/XX/XXXX have received multiple calls at work and cell phone saying they are re activating old lawsuits against me Calls come from North East Recovery XXXX XXXX XXXX they have not sent me any documents by mail just leaving messages and saying they are contacting my work managers and are looking at my assets and employment to attach the judgement tp

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 2022-03-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
Transaction XXXX/XXXX/XXXX posting XXXX/XXXX/XXXX Fraudulent charge on statement of {$210.00} from XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Called and was told charge would be reversed. 
Transaction XXXX posting XXXX Charge removed. 
Letter dated XXXX/XXXX/XXXX stating claim researched and credit given. 
XXXX/XXXX/XXXX - Seven T-Shirts received in mail with no invoice and Return address of Purchase T-Shirt, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. 
I did not order this and I can not find this company on internet and also can not find web address as shown on statement.
Letter dated XXXX/XXXX/XXXX stating we benefited directly and are responsible for balance. 
On XXXX I notified Bank of America that I  disagreed with this and they said they would reopen case. 
Letter dated XXXX/XXXX/XXXX stating unable to assist and decision not changed. 
XXXX/XXXX/XXXX I called Bank of America and spoke to XXXX to once again dispute investigator 's  findings. She told me the investigator would call me within a few days. 
XXXX/XXXX/XXXX I called and spoke to XXXX who gave me direct line to Claims Dept as I have not received a call from investigator. 
I then spoke to XXXX in Delaware office who told me my case had been reactivated and that it could take 2 billing cycles which would end XXXX/XXXX/XXXX. I offered to file fraud report with local Police Dept but she said that would not be necessary. I was told I would get to speak with investigator and participate in investigation. 
received Letter dated XXXX/XXXX/XXXX - identical to letter dated XXXX/XXXX/XXXX. 
Transaction XXXX posting XXXX Charge was put back on stating we benefited directly. 
I did not order these these t-shirts. These shirts are of no benefit to me and I will gladly send them to Bank of America so they can enjoy the benefit they think I got. I have never heard of this company. I have offered to file fraud report with local police depart. I am willing to take a polygraph test to prove I did not order these shirts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi I sent money to my relative in XXXX only $ XXXX on XXXX XXXX, XXXX. As per promise of Western Union they did not get money until now. I contact with them last night and call them many time since today morning but still they did not solve the problem. Therefore I request you to please help me for resolving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a grant donation to purchase a vehicle from my local church. They deposited the funds into PayPal last night. I have made multiple attempts to transfer the funds to my bank account so I can withdraw the money and pay cash for the vehicle per the request the private seller. I have called and verified everything with PayPal twice. They insisted that the funds are available and there are no holds on the account. Yet Im still unable to send the funds to my bank or even another PayPal account. I have been given a time limit by the seller and I will lose the vehicle if I am unable to come up with the cash by XXXX tonight. The vehicle is replacing my totaled vehicle and is so I can continue to work my delivery job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: OH
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 the Recording with the Fair Credit reporting act XXXX  account number XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1581 section 602 A State I have a right to Privacy.

115 U.S.C 1681 section 604 section 2 also states A consumer reporting agency can not parish account without my written construction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: OR
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:
ON XXXX/XXXX/XXXX I DISPUTED A COLLECTION ACCOUNT FROM XXXX XXXX XXXX XXXX IN THE AMOUNT OF {$130.00} ON MY EQUIFAX CREDIT REPORT. I RECEIVED NO RESPONSE. I SENT A FOLLOW UP LETTER ON XXXX/XXXX/XXXX. I RECEIVED A GENERIC RESPONSE, BUT NO INFORMATION HAS APPEARED ON MY REPORT SAYING THAT THIS ACCOUNT WAS BEING DISPUTED. PER XXXX  LAWS, IT MUST SHOW DISPUTED WITHIN 30 DAYS. AS OF THIS TYPING IT IS STILL NOT SHOWING DISPUTED. EQUIFAX IS BREAKING FEDERAL LAW AND I KINDLY ASK THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT OR COURT ACTION XXXX HAVE TO BE MY NEXT STEP. I HAVE ATTACHED COPIES OF MY LETTERS INCLUDING A 3RD LETTER DATED TODAY XXXX/XXXX/XXXX. I CAN ALSO PROVIDE PROOF OF DATES WHEN EQUIFAX RECEIVED MY CERTIFIED LETTERS AND PROOF WITH TIMESTAMPED CREDIT REPORTS SHOWING THEY HAVE NOT COMPLIED WITH THE 30 DAY MARK AS DISPUTED LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Equifax credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX my family and I was living in a shelter someone there stole my bank card we was required to give our bank cards to staff to put away we was supposed to save money to get our own place in XXXX I went to staff to get my card and they stated it wasnt there I checked my online banking to see that my card has been used I called Navy federal and made them aware of the situation they said I had to make a dispute which Ive never done before I tried disputing everything but was told everything didnt post and to call back to dispute all the charges that didnt post so I had to call to dispute the remaining when I called I tried disputing all the rest which I thought I did but I guess I missed things that I thought I disputed in the first dispute my claim was denied and account closed because they said I failed to mention those other transactions that happened in between I tried explaining the situation to the lady who had the case and she didnt even care that I was victim I asked to speak to a supervisor was told I would get a call back no call I emailed the CEO and never heard anything back from them it is said I owe XXXX dollars to navy federal due to this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation