BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
So I recertified my income driven repayment plan in XX/XX/XXXX as always. It was repaye. However, since I had gotten married in XX/XX/XXXX I was worried about my monthly payment increasing. After some research I decided that it would be best to switch my repayment plan from repaye to paye as I had planned on filing married but separate next year. So after 2 phone calls to navient I finally got the application completed that stated I want switch repayment plans ( which later a navient supervisor XXXX said I filled out perfect ). Almost a month goes by and my plan doesnt change. So I call in and the rep is dumbfounded. She talks to processing and they say I need to fill out another application but pick recalculate instead of change my repayment plan even tho I want to change my plan. I wasnt gon na do it just wait til recertification but then I figured Id do it and avoid the headache. So I do it and wait. In meantime tax deadline is coming so my wife and I file married but separate as planned. Check navient and still on the same repaye plan despite reps making note that I want switched to paye. So I call navient again and explain everything and the rep refuses to understand that I want to switch to paye so that my wifes income is not accounted into my monthly payment. She even put me on hold to look up the difference in the plans! Then tried to explain interest benefits and I got frustrated and asked for a supervisor. When finally transferred XXXX reviewed my case, said my initial change plan app should have been accepted. However since they mislead me and me fill out the recalculate app I had to yet again fill out a change my plan app. This XXXX me off because I was forced to use and upload a tax return that I did not want to yet, I wanted to switch plans with my single income then recertify under paye married but separate. I am still awaiting for the switch. Ridiculous. Also their staff should know the plans I shouldnt have to give references when I call. Amateur hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Capital One called me of a period of 6 months everyday between 7 am and 9 am Hawaii standard time hounding me to pay my credit  card bill when I asked them to stop calling me and harassing me also the calls were from XX/XX/2018 to XX/XX/18 daily even after I Asked them to stop calling me and put my name on the do not call register I have hundreds of calls from them which is a violation of the law all which are on my voicemail. I finally had to block them but I am still receiving calls please help me this is unacceptable their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
After XXXX rounds of credit bureau disputing Capital One has failed to comply with the FCRA and updated status dates/dates of last activities as well as posted brand new delq dates. This is really having huge negative impacts to my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check using my bank app. the next day the bank put a hold on the funds for 10days. I asked to cancel the deposit so I can take the check directly to the makers bank and cash the check. 
Not an option, hold was placed even though the check cleared my clients bank The are keeping me from my funds fraduantly

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 2019-04-12
Company: Manor Resources, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called several times onXX/XX/2019 to complete my loan payoff and receive my title and lien release. I was told that I would not receive my title until at least a minimum 17 days but it could be 20-25 business days ... easily more than a month from now. I explained to each individual ... including an individual who identified himself as the floor supervisor and gave his name as XXXX XXXX ... that Illinois law REQUIRED them to release and return my title within 24 hours after payoff. Each individual I spoke to refused to acknowledge law an just repeated their in-house protocol.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 customer to any customer 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 2021-09-10
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Dear Ladies and Gentlemen, due to the COVID-19 hardship we had requested to lower the amount of our monthly car payments with Carmax Finance. On the phone, the representative had told me this was no problem at all, that we should just pay what we can. 
However, after paying only {$100.00} last month XXXX XXXX XXXX, we received a letter from Carmax stating that our amount is past due and a late fee charge was also added and they are also threatening now that they may report this information to the credit bureaus if the payment is more than 30days late ( which it will be on XXXX ). This should not belegitimate during a pandemic where people loose their jobs, work less hours, have to stay home to homeschool children and do not have the money to pay all bills, especially after this was discussed with Carmax before and we were assure it would be ok to make any payment we are able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/21, my crypto was hacked through coinbase and the hackers was able to made away with {$12000.00} without coinbase doing nothing, even when I try to lock my account when the hacking was going on, but still coinbase doesnt lock my account. The painful part of it was that the next day the hackers was continue to hacked my account after I reported to coinbase that my account should be lock. However coinbase is telling me that they cant do nothing to get me my money back then want block my account saying its my fault my account was hacked from their system they claim its security, Im getting to believe coinbase hacked my account and they are the one hacking people account or its must be their employees are the one doing it, because they know how to control your account and do what they what to do without you having no control or it at all, even after you reported it they will still hacked it anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I CALLED IN TO NEGOTIATE A SETTLEMENT THE ENTIRE STAFF IS UNPROFESSIONAL THE FIRST PERSON I SPOKE WITH HAD TO LOOK ME UP BY LAST NAME 3 TIMES CALL TIME ALREADY AT FIVE MINUTES SHE MADE A SMART COMMENT BECAUSE I PHONETICALLY PROVIDED THE SPELLING YET THE OTHER TIMES SHE HAD NOT FOUND IT AND IMMEDIATELY THREATENED THAT SHE WOULD TERMINATE CALL SHE THEN FAILING TO PROVIDE HER NAME AFTER MY REQUEST AS SHE WANTED TO PREVENT HER NAME BEING MENTIONED IN ANY TYPE OF COMPLAINTS SAID SHE WOULD PASS ME TO XXXX IM ASSUMING HER FRIEND IN HOPES THAT XXXX TOO WOULD SHARE IN HER DISDAIN FOR ME I ASKED XXXX FOR THE PREVIOUS REPS NAME AND SHE RFSD TO PROVIDE I TOLD HER THAT THE REP HAD BEEN NASTY TO ME AND SHE THEN HUNG UP I CALLED BACK AND WAS THEN TRANSFERRED TO XXXX WHO IMMEDIATELY HAD A BIASED OPINION BECAUSE OF THE NOTES BY XXXX SHE THEN TOLD ME I WOULD ONLY QUALIFY FOR A 20 % OFF OF THE BALANCE AS A SETTLEMENT. I ADVISED HER THAT THIS RESPONSE WAS ONLY PROVIDED BECAUSE OF MY PREVIOUS CONVERSATION AND THAT THIS WAS DISCRIMINATORY IN NATURE SHE THEN SAID IF I PAID THE SETTLEMENT SHE WOULD NOT REMOVE THIS ITEM FROM MY CREDIT AT THAT POINT SHE HAD BROKEN THE FDCPA AND I ADVISED HER THAT SHE WAS TREADING DOWN A SLIPPERY SLOPE AS I AM AN INFORMED CONSUMER AND THEN SHE SAID I CAN NO LONGER HAVE A SETTLEMENT AND I COULD NO LONGER PAY AND THIS WOULD REMAIN ON MY CREDIT FOREVER AND TERMINATED THE CALL YET AGAIN. I AM MAKING THIS COMPLAINT AS THIS ILLEGAL ACT AND PREVENTION OF ME REMOVING THIS FROM MY CREDIT SHOULD BE PUBLIC KNOWLEDGE AND THE LEADERSHIP TEAM OF THIS COMPANY SHOULD BE AWARE OF THE ILLEGAL VERBIAGE IN THE USE OF THEIR COLLECTORS AS WELL AS THE FACT LETS FACE IT THEY REFUSED THE MONEY ISNT THAT THE SOLE PURPOSE OF A COLLECTION AGENCY I HOPE THAT CREDITORS THINKING OF PLACING THEIR BUSINESS WITH THIS COMPANY WILL SEE THIS COMPLAINT AND THINK TWICE I WILL ALSO BE FILING COMPLAINTS WILL THE OTHER AGENCIES PROTECTING MY RIGHTS IE ATTORNEY GENERAL AND CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: MI
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 the following companies have violated my rights XXXX open : XX/XX/XXXX, XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX XXXXXXXX open : XX/XX/XXXX, XXXX XXXX XXXX  XXXX open : XX/XX/XXXX, XXXX XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXXXXXX # XXXX open : XX/XX/XXXX, XXXX  # XXXX open:XXXX XXXX XXXX XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX : date ( s ) - XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
15 u.s.c 1681 section 602 a state I have the rights to privacy 15u.s.c 1681 604 a. Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2019 ), TransUnion has failed to respond to the following issues on my credit report. The following items in question should be removed from my credit report. 

TransUnion XXXX ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine FXXXX XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine

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 2021-02-04
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
As of XX/XX/XXXX XXXX XXXXXXXX XXXX is continuing to report an expired charge off from XX/XX/XXXX all 3 crefit bureaus that is according to Texas Civil Practices and Remedies is expired. XXXX XXXX is now complicit and continues to further the fraud due to now having knowledge of the fraud and failing to immediately remove the injurious action. I contacted XXXX XXXX today and was unsuccessful in getting the fraud corrected. The representative suggested that I do whatever I have to do to resolve this issue. I'm about to suffer a denial of a Jumbo Mortgage Application due to this fraud and subsequent failure to immediately remove the derogatory entries from my all 3 credit bureaus. My complaint stands on : Texas Civil Practices and Remedies and Finance Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
i had a amex XXXX XXXX XXXX card. which gives 5 percent back on purchases from XXXX. i spent this past month over XXXX dollars from XXXX which is about XXXX points worth XXXX dollars. amex opened up a financial review of my card. asking me for bank statements and the like. i uploaded everything they asked for. they still decided to terminate my card and now they do not want to give me my points because ny account was closed before the statement closed. i do not feel its right that when they decide to close my account with no fault of my own that they can just not give me points which i had rightfully earned. i tried calling many times the agents do not know what side is up everyone tells me something else but i still do not have my points

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: MD
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 requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA. They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.

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 2017-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Over the past year in a half I have attempted several times to have all three credit bureaus to remove incorrect information on my credit reports. I 've also sent many letters to the creditor asking them to provide me with details on the account they claim I owe. I 've requested original documents with signatures of when the account was open and to date I still have n't received any information. In the past, I have been a victim of fraud and identity theft. I am requesting this information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 2019-04-12
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They call and leave voice messages about 4 to 5 times a day, it's really annoying! I never filled anything out for them to contact me! Your web site said not to interact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, PHOENIX FINANCIAL XXXX XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2019 XXXX XXXX sent me a letter and agreed delinquencies reporting was an error on my credit report and would be updated on the XX/XX/2019. Two of my reports were updated and the one that wasnt is now XXXX is reporting 90 days delinquent on my Equifax Tri-Mortgage Report  because Im closing on a house next week so its time sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Within my credit report under the Landlord-Tenant History there is a judgement. The disposition of the judgement reads : JUDGEMENT WITH RESTITUTION OF PREMISES. The filing date is showing XX/XX/XXXX and the judgement date shows XX/XX/XXXX. This information is inaccurate. There was a satisfaction of judgment filed on XX/XX/XXXX. This information should have never showed up on any of my credit reports. I lived in the said address for 6 months after the original judgement was filed. There was never an eviction yet it appears to look that way when my credit is pulled.

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