BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-04
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account with XXXX XXXX XXXX. I recently scheduled a payment on XX/XX/XXXX to be debited from my bank account on XX/XX/XXXX. I have done this several times in the past. Over the past week I have received no less than 15 phone calls per day from Conns even though I have already scheduled the payment for more than the amount due. This morning they called my Grandmothers home regarding my debt. I have never given them her number or permission to call that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Checkr, Inc
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Checkr company ran my background check report with incorrect information under the County Searches part with criminal search, and I have contacted them many times over a month. they still have not corrected this issue for me which caused me to lose my rideshare driver eligibility with my XXXX account. It should be showing Clear, not Consider status on my report. 
Also, there is a search regarding " Driver Provided Driver Identification to Another Transportation Network, First Offense '' information incorrect as well. I did my court search last time and it has nothing found on the dates between XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX when I entered the case number XXXX XXXX into the XXXX XXXX  website. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare erroneously paid a higher tax bill in the amount of {$4900.00} when the correct bill was {$3300.00}. After numerous contacts with the company, LoanCare finally sent me an email stating that credit would be made to my escrow which still hasn't happened. Now escrow statement has been sent out with a higher escrow monthly payment due XX/XX/2020. 

I would really appreciate you looking into this and getting credit and escrow resolved ASAP. 

Also, your company 's customer service is horrible, but I'm sure you are aware of that from the internet reviews. 

Sincerely, 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 2023-09-04
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that I.C. Systems validate this debt with documentation. The company did not respond and did not provide any information to me. It has been 44 days since my request, which is past the required 30 days to respond. This account must be deleted from my credit report and all attempts to collect must be stopped.

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 2021-02-02
Company: Navient Solutions, LLC.
State: TX
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:
I was part of a class action lawsuit against XXXX XXXX and I was awarded a letter that my student loans were cancelled per case XXXX XX/XX/2020 I have opened several disputes with XXXX and I am not getting any feed back and they are not looking at the order I sent over a copy of this for them Then I reached out to Navient, and they refused to give me a good physical address to send over a coy of the court order the representative I was speaking to was XXXX XXXX XXXX XXXX XXXX XXXX A representative will be with you shortly. 
XXXX XXXX.XXXX XXXX  is joining the chat. 
XXXX XXXX XXXX XXXX.Hi, my name is XXXX from Navient, how may I be any of assistance for you today please? 
XXXX XXXX XXXX XXXX.Hello XXXX XXXX XXXX.are you a real person or A.I.? 
XXXX XXXX XXXX XXXX.I am a real person, how may I help you today please? 
XXXX XXXX XXXX XXXXok I have a case number XXXX that discharges all of my student loans as of XX/XX/2020 I am looking for a good address and email address to send over a copy of the court discharge because this is still showing up on my credit report XXXX XXXX XXXX XXXXOkay, before I can assist you with any request, I do have to ask for a good contact telephone number for your account please. 
XXXX XXXX XXXX XXXX XXXX XXXX.what is a good email address to send over a copy of my discharge XXXX XXXX XXXX XXXX.Thank you, I will need to ask you to help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents contact you at this number using an auto dialer or pre-recorded messages regarding your current or future accounts? 
XXXX XXXX XXXX XXXXthere is no reason for future contaxct all myloans have been discharged XXXX XXXX.I need a good email address and good physical address XXXX XXXX XXXX XXXX.I apologize, but I do need a clear yes or no to contact your cell phone number please. 
XXXX XXXX XXXX XXXX.sure yes XXXX XXXX XXXX XXXX.To help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents send text messages to you at this number using an auto dialer regarding your current or future accounts? 
XXXX XXXX XXXX XXXX.now what is a good email address and a good physical address XXXX XXXX.thats ok I will have my attorney contact you and screen shot this conversation of you avoiding my questions XXXX XXXX XXXX XXXX.Thank you, unfortunately, I can not assist you in this chat with any questions about your loans. You will need to call the charged off department at XXXX. Do you have any other questions today?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have conntact barclays several times about the misincorrect information that barclays Delaware has under my name yet they have not been responding nor the president of barclays delaware has answer calls even after stating that he will get the situation settled.

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 2022-01-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I received a check of {$1100.00} on XX/XX/2022, from an individual who bought my item on XXXXXXXX This individual overpaid for the item in excess of {$920.00} and for that reason he asked me to refund him the balance after I deposited the check. I made the deposit through Navy Federal Credit Union app on XX/XX/2022 and an amount of {$220.00} was made available pending the clearance of the check. The remaining funds was made available after the next business day which was XX/XX/2022 which made me to believe the check was good because according to their mobile check deposit " Funds are available within 1 to 5 business days ''. However, this individual asked me to send the excess amount to two individuals on their XXXX account. First transfer to XXXX was an amount of {$220.00} and the second was {$690.00} after the check was cleared by Navy Federal Credit Union. 
On XX/XX/2022, Navy Federal withdrew my funds of {$1100.00} from my checking account so I called their customer service and also went to their branch in XXXX for explanation and according to them the check was bad. 
I am filing this complaint because my bank could not protect my funds in this situation since they allowed the check to be cleared in the first place and could not detect the check was 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 2022-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had my secured credit card with capital one for XXXX XXXX XXXX XXXX XXXX XXXX  ). I made a {$200.00} deposit when opening this account which determined that the credit limit would be {$200.00} ( years later I deposited another {$100.00} making the credit limit {$300.00} ). When I started this account, I was under the impression that I was paying {$200.00} upfront and XXXX XXXX  in exchange for this card eventually being changed to an unsecured card and that I would receive my deposit ( s ) back. According to capital one faq : " Capital One refunds security deposits in two ways : You can earn back your deposit as a statement credit by using your card responsibly. Or it will be refunded when you close your account and pay your balance in full. '' I have never missed a payment. After 12 years, I'd assume that means I have been using my account responsibly. This card should have been made unsecured and I should've received the {$300.00} back by now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX : sent student loan account to debt collection agency ; account was sold- balance considerably lower than original amount The original Student Loan Account was " in lieu '' of action/charges against college for falsifying grades for final class grade reports. [ XXXX XXXX XXXX XXXX, New York STATE ] ( XXXX, New York XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which are : Equifax, XXXX, and XXXX; did not modify or removed anything. I asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. Per the FCRA they have violated my federal rights under the following laws : 15 USC 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer ( an individual ). and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). making the report ; 15usc 1666b which states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15USC 6802 ( a ) ( b ) ( c ) ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
According to my credit reports there is a few inaccuracies regarding my payment history on my account ... These three bureaus are not up to date with payment history and have inaccurate reporting in their system.. 

For account XXXX XXXX/XXXX this account has been current for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

For account XXXX XXXX this account show to missed payments in XX/XX/XXXX/XX/XX/XXXX which are 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 2023-10-16
Company: Experian Information Solutions Inc.
State: NV
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 had three credit card accounts which were reporting to XXXX, XXXX, and Experian. However, these accounts had different balance amounts. Due to being a victim of identity theft on the Dark Web, as confirmed by Experian, I placed a freeze on XXXXXXXX XXXX and XXXX. I am filing a complaint with the Consumer Financial Protection Bureau regarding these issues. 

The derogatory marks from these three credit cards need to be removed from all three credit reporting agencies ( Experian, XXXX, and XXXX ) because you did not provide written consent for this misinformation to be reported. Additionally, there have been numerous hard pulls from lenders and businesses that I am not familiar with at all, which further violates your privacy rights. It is important to rectify these inaccuracies and protect your reputation by ensuring that the erroneous information is removed from all three credit reporting agencies! 

Furthermore, the request to remove the derogatory marks extends to all the hard pull inquiries as well. I am not familiar with the majority of these inquiries, apart from XXXX, it is important to rectify the inaccuracies against my Privacy and rights per CFPB! I am requesting the removal of all unauthorized hard pulls and to ensure that my credit report accurately reflects only the inquiries you have authorized or are familiar with. In conclusion, this complaint is made with a strong emphasis on protecting my privacy rights, as guaranteed by the Consumer Financial Protection Bureau ( CFPB ). The unauthorized reporting of misinformation from the three credit card accounts to Experian, XXXX, and XXXX, along with multiple hard-pull inquiries from unfamiliar lenders and businesses, is a clear violation of my privacy rights. One reports 7 negative Marks another just 3 and another 5. 


I request that all derogatory marks associated with these credit cards and the various inacurate information be immediately removed from all three credit reporting agencies, ensuring the accuracy and integrity of my credit reports. Additionally, I demand the removal of all unauthorized hard pull inquiries that I am not familiar with, with the exception of XXXX. 


By addressing these concerns, I seek to restore my creditworthiness, protect my personal information, and maintain the privacy rights that are fundamental to every consumer. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify these infringements and prevent such violations in the future. 


Thank you for your attention to this matter and for upholding the principles of privacy rights and consumer protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: NY
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 previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.

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 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There are many accounts and inquireies on my credit reports and i have reached out to creditors and credit bureaus with FTC reports and they are not responding to the letters i sent them and are causing many issues to my credit report.

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 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

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 2021-02-19
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022 I opened a Checking and Savings account with Ally Bank. Immediately after opening the account I transferred {$250.00} via XXXX into my new Checking account. The next morning on XX/XX/2022, I received an email that my account had been locked and I needed to call Ally to fix it. I called right after receiving that email, and the person on the phone told me that logins were attempted on my account from another country and they had locked the account for that reason. I was told someone from the Fraud department had been assigned and I would receive a call back within XXXX business days. 

I did not receive a call back, and had to call again myself. I was transferred to the Fraud Department and they told me that I would need to provide photos of my Driver 's License and Social Security card in order to unlock my account. At this point I decided I no longer wished to bank with Ally, and asked that they return my funds and close the account. The person I was speaking with said they could not do that and explained that the only way for my money to be returned and account closed was to provide the private documents that they requested. Ally has proven to me that they are an untrustworthy company by only locking my account and requesting these private documents after I deposited my hard earned money into their account. I explained to the representative that I do not trust Ally, and will not provide the requested documents. I was transferred to a supervisor, and got a voicemail that told me I would receive a call back with 48 hours. I left a message, and 3 business days passed without a call back. 

I called Ally again on XX/XX/2022, and again explained my situation to the representative who told me the same thing as previous, and again offered to transfer me to the supervisor voicemail, I insisted that I told directly with a supervisor and not the voicemail because that did not get me a call back last time. The representative said there is nothing else they could do for me, and transferred me to the voicemail where I again left a message to be called back. 

At this point it feels as though Ally Bank has stolen this money from me, and is holding it hostage until I turn over my private information. I no longer trust Ally Bank, and will not provide them with any further documentation. I would like my money returned exactly as it was deposited, and my accounts closed.

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