BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to file a complaint against Bank of America, which that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes of this alleged debt, BOA continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me. I have been disputing this account with BOA for several years now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, BOA has continued to report the account on my credit report, which has negatively impacted my credit score. 

This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. We are not at the point that this alleged debt has aged out and should no longer appear on my credit report regardless. I urge you to investigate this matter and take appropriate action against BOA for its failure to comply with the FRCA. I also request that you ensure that BOA removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Navient Solutions, LLC.
State: MO
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 graduated in XX/XX/2016. My grace period ended 6 months later. I promptly enrolled in NAVIENT 's auto-pay feature and have made my payments on time and in-full ever since. 

Lately, I have been focusing on my loan with the highest interest rate. After logging in recently, I noticed that the principle balance on this particular loan has not decreased appreciably since XXXX. The minimum payment on this loan is ~ {$330.00}. Yet, when reviewing the payment summaries for XXXX ( XX/XX/XXXX ) and XXXXr ( XX/XX/XXXX ), only ~ {$94.00} in interest has been applied. 

NAVIENT is misallocating my payments among my lower interest loans while preserving the principle balance of my higher interest loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an email from a credit monitoring company asking me if I had closed my JPM HL account which is my Chase Bank Home Loan account. I received this email on XX/XX/XXXX. Unaware of the situation, I logged into my chase.com account and saw that Chase Bank had " Service Transfer '' dated XX/XX/XXXX under my home loan tab. Chase Bank has yet to notify me of my new lender they so hastily sold my home loan to and they messed up my escrow account in this process as well. Instead of refunding me the extra money in my escrow after paying off my taxes that were due in XX/XX/XXXX, Chase Bank applied the extra escrow money to my principal which is not what was outlined in our contract. I, the consumer, should have been refunded the remaining amount of my escrow so I could continue to pay for my home owners insurance since Chase Bank is no longer obligated. Now that money is paid into the total balance of my home loan and I have to come up with the large sum of money for my homeowners insurance company. Chase Bank is also cutting this timeline close to my mortgage payment due date and I might not have time to setup my account with the new lender before the mortgage payment is due, because of Chase Banks poor timing decision. I know for a fact that I am not going to get the paperwork regarding the new lender and other necessary information beyond the 15 day limitation. I have never been a day late or a penny short for all of the time I have had this home loan with Chase Bank. I have no idea who my new lender is, what the expectations are or anything of the sort. Its almost XXXX and they are supposedly sending the new documentation by postal service instead of an email. Electronic mail is the same as mail in its concept and should be utilized in these circumstances so consumers are not left in the dark for span of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent Experian my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX XXXX. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond. Its been over six weeks since I sent my dispute, so they are well over there required 30 days. I thank you in advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XXXX XXXX of XXXX, Oregon leased a New 2019 XXXX XXXX to me. Using very stressful and high pressure tactics that included holding my registration for hours refusing to return it to me so I could leave. Eventually offered me a deal to pay off the last 2 payments of my current car lease through XXXX ( XXXX ) as well as pay for my disposition fee that I would pay on return of my XXXX to the dealership. The Disposition fee was added to my XXXX payments over time. They said they were sending the payoff to XXXX and I wouldn't have to worry about it because it would be taken care of. It has been a month and the money never got sent and I am now double paying for cars and still stuck with my XXXX. I have taken time off of work to talk to management and they said it was being taken care of already. Called, emailed and chatted and no one had taken initiative to fix the problem. I am now out about {$900.00} and double paying for the disposition fee with XXXX. I just wanted the company to follow through with what was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XXXX I received emails from XXXX, XXXX and XXXX advising that three hard inquiry 's were made on XXXX. The inquiries were made by XXXX, Capital OneXXXX and XXXX XXXX  XXXX XXXX for credit. My credit score was immediately dropped. I contacted the credit reporting agencies by phone to let them know that I did not apply for credit from XXXX, Capital One or XXXX XXXX XXXX. I also disputed these inquiries with the agencies online. I explained that I already have credit cards with Capital One and Discovercard and I have never heard of XXXX XXXX XXXX. I was told that I need to contact XXXX, Capital OneXXXX and XXXX XXXX  XXXX directly and let them know that I did not apply for credit from them. I spoke with representatives from all three companies and was advised that these accounts would be closed and reported to their fraud department and they would contact the three credit monitoring agencies to have the hard inquires removed. 

I immediately put a freeze and a fraud alert on my XXXX, XXXX and XXXX accounts. 

It became clear to me that someone was trying to steal my identity because on XXXX I received a change of address verification from the U. S. Postal Service that was made on XXXX. Someone was trying to get my mail sent to them. I immediately contacted the USPS and let them know that I did not request an address change. I was contacted by the Post office on XXXX and provided with the address the mail was to be forwarded to. I then spoke with Detective XXXX XXXX and filed a police report on XXXX with XXXX Police Department in XXXX, TN providing them with all of the information I received from the Post Office on the person trying to steal my identity. This report can be obtained from XXXX XXXX XXXX XXXX Department Case No. XXXX. I also reported this to FTC Identity Theft. Enclosed is a copy of the report. 

All three credit monitoring agencies have removed the hard inquiries of XXXX and XXXX of XXXX. However, the Capital OneXXXX hard inquiry was removed only from XXXX and XXXX but has NOT been removed from XXXX. I have disputed this with XXXX several times and they continue to leave this hard inquiry on their report. 

I am requesting that XXXX remove this unauthorized Hard Inquiry by Capital OneXXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my EQUIFAX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NC
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 did not provide my permission for the sharing of my private information. Information reporting that affects me as a consumer is NOT fair and XXXX. I never received the right disclosures or a choice on the sharing of my information. Any advantage from these transactions has not gone to me. I feel like an identity theft victim. Please block, delete, and promptly take them off of my customer report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 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. Also, they aren't even in compliance with Metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: WA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... has violated my rights.

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 written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have applied for Public Service Loan Forgiveness with the company Fedloan Servicing. I received a letter from them in XXXX confirming they had received my application and would review it. The letter provided an account number, URL, and a telephone number for getting updates. I tried using their web portal to access information, but could not log in. I have tried calling the company for an update about the application at least half a dozen times. Each time, save for one, Ive waited on hold for half an hour. Only once did I manage to get a person on the linein that instance, she said she couldnt find my account number, transferred me, and then I waited for 40 minutes before giving up. 

I need to know if I will have to restart payment on these loans in the new year. Ive been a dedicated federal employee for over 10 years and am deeply frustrated with how inept this company has proved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: GA
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:
As a consumer and natural person, Experian violated my right to privacy my furnishing alleged communication about alleged transactions to third parties. Pursuant to 15 U.S. Code 1681a, Experian has in fact included and communicated authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device by publishing the inquires below on my consumer report. In accordance with 15 U.S. Code 6802, I am exercising my right to OPT OUT of the disclosure of my nonpublic personal information to nonaffiliated third parties. 


XXXX/XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2023-08-30
Company: EQUIFAX, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$740.00} 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 written instructions 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Demand for Corrective Action, Pay for Deletion, Removal of Unauthorized Inquiries, and Release from Special Department Dear Consumer Financial Protection Bureau, I, XXXX XXXX, urgently seek your intervention to address multiple concerns regarding my credit report held by XXXX XXXX XXXX. Firstly, I demand the immediate correction of a collection that I legally do not owe. The payment for this collection was coerced, and it must be reflected as resolved with a pay for deletion arrangement. Secondly, I request the swift removal of unauthorized inquiries made by JP Morgan Chase Bank and XXXX XXXX from my credit report. 

Moreover, I kindly request the release of my file from XXXX 's special department, as it is hindering my ability to address these issues effectively. 

Your prompt action in resolving these matters and ensuring that XXXX takes corrective measures is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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:
According to 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 written instructions Experian, XXXX, XXXX have violated my rights by publicizing my information without my consent. I have tried fixing this issue but I get no results. Also I have unauthorized hard increase on my 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 non-monetary relief
Consumer complaint received 2023-10-12
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
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:
When I checked my credit report I noticed that there is duplicated hard inquiries on my Equifax report, please remove duplicated inquiries 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After many attempts contacting Jefferson Capital Systems , LLC, at XXXX, regarding my Identification being stolen. I have yet to get any resolution. 
I spoke with XXXX XXXX employed with Jefferson Capital Systems , LLC  on XX/XX/XXXX, via email ( XXXX ). 
I asked, XXXX XXXX to give me an update regarding a Identity Fraud account listed in my name. Jefferson Capital Systems , LLC is currently Garnishing my wages after I explained, Jefferson Capital Systems , LLC on several occasions that this account was created without my permission. 
I have an email where XXXX XXXX confirmed recieving my Identity Theft packet filled back on XXXX, XXXX & has blame the law office of XXXX XXXX XXXX for delaying cancelation of my wages being garnished. This has been extremely frustrating. Jefferson Capital Systems , LLC has continued my wage Garnishment through my Employer due to greed. Please help me stop this Collection Agency, Jefferson Capital Systems , LLC stop the wage Garnishment & immediately refund all monies thats been Garnished. This has affected my mental health badly. Help.

Company response to consumer: Closed with explanation