BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: EQUIFAX, 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:
This investigation is still open under case file number XXXX. I have been patiently waiting for both Equifax and XXXX to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both EQUIFAX and XXXX to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: SC
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  Account # XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, during the pandemic and economic downturn, I was unable to pay my auto insurance bill with XXXX, and switched insurance carriers to XXXX. XXXX didn't properly terminate my insurance and continued to bill me. I spoke with the insurance agent and they adjusted the bill accordingly. CCS, the collection company that was assigned to this debt, didn't give me adequate time to properly dispute the debt on my credit report. Even after I was employed and payment was made, they reported it to the credit bureaus by violating the FCRA 's 30 day debt dispute window. The amounts were reported to all bureaus as of XX/XX/XXXX, ignoring my requests. 

They did not consider the COVID lockdowns, Cares Act reporting requirements by not reporting this instance, or reporting it as paid until the Cares Act expired. I have contacted the company several times to try and resolve the matter to no avail. 

In XXXX, even after I was able to pay off the balance in full, they still will not acknowledge the past violations of the Cares Act and FCRA 30 day debt validation window and will not remove the item from my credit reports. This is causing financial harm and I am unable to find good rates on mortgages and other loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
NO KNOWLEDGE OF THESE INQUIRIES AND NEED THEM GONE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I co-signed for my child to attend XXXX School in 2006, which was a private school. The loan at the time was under XXXX XXXX since transferred to Navient. The amount financed at the time totaled XXXX plus taxes and fees. The payments were being kept for about a year after they began. My child did not complete the course due to a problem which did not allow them to go. After that payments were not being met which Navient transferred the payments to me. The amount were being paid thru me by my child until they could not continue payments. About two years ago I was hit with another student loan under my name, in which I had no knowledge of In the amount of about {$12000.00}. I keep my paper work in ref to anything to due with money and loans. I know for a fact there is nothing with my signature or info on this second loan. So not sure If I have to sue them to correct or resolve this problem. But if I have to I will because this is illegal and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: FORD MOTOR CREDIT CO.
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 FORD MOTOR CREDIT COMP Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: AMERICAN EXPRESS COMPANY
State: AL
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 purchased a XXXX {$200.00} certificate with points from American Express through the Amex rewards site ( I redeemed Amex points ). XXXX states they can not use the certificate # XXXX because Amex is not passing information to their system. Im out the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went on XXXX XXXX and started purchasing airline seats. A pop-up on XXXX XXXX website offered me an XXXX XXXX XXXX XXXX XXXX XXXX credit card with XXXX miles and a {$50.00} credit on my next bill if I would apply to the card and use it to but the tickets, with the condition I spend over {$3000.00} on the card within the next three months. I have spent over 4k in less than two months so I called Citibank and asked how long it normally takes before I received my miles. I was told by the Citibank rep that I had a previous XXXX card 1 year and 51 weeks ago and that I was disqualified because It had n't been more than 2 years. I 'm very upset that I was solicited online and approved immediately for the card without the two year term being mentioned. If I had known, I would n't have applied for the card and used one of my cash-back credit cards. I feel this is a very deceptive practice especially since I was solicited with this offering on XXXX XXXX prior to purchasing seats.

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 2017-08-16
Company: Experian Information Solutions Inc.
State: ID
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:
I was divorced in 1998. Even though I have contacted the credit reporting agencies, two of them, Experian and XXXX, continue to include my ex-husbands information on MY report. Therefore when I am asked questions regarding " my '' credit history I do not know the answers because it 's my ex-husbands data, not mine. I was currently denied credit by two credit unions/banks because Experian and XXXX say I have delinquent accounts. The car loan I was able to secure was twice the interest rate I should be paying. My credit score is 800 or over. This should not be happening. Please advise how I can get my information alone on my reports as writing to Experian and XXXX did nothing.

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 2021-08-24
Company: JPMORGAN CHASE & CO.
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:
In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. Chase Bank has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

XXXX XXXX shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. XXXX XXXX let several transactions through before they froze the card as well. 

XXXX XXXX corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX my husband enrolled in Rate Reduction Program at Sallie Mae. On XX/XX/XXXX ( company sold loan to Navient ) enrolled in what we thought was a similar program with Navient. We understood the program to be Extended Payment Option extended out 15 years with permanent payment of XXXX. We renewed again in XX/XX/XXXX with another rep. in XX/XX/XXXX. In XX/XX/XXXX told by a rep that the payments were extended out 24.5 years to the year XX/XX/XXXX. This outraged me, because I never have been so duped. Found out recently that Navient promissory note reads that Monthly Variable Interest Rate Option repayment period is 20 years. We've been paying 17 years. We never agreed to 24.5 more years extended out. I would like to hear the phone conversations of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( year XX/XX/XXXX ) with the rep XXXX from Navient. 
I've been told there is no discharge of loans for the cosigner. My husband is XXXX XXXX   and in XXXX XXXX with XXXX XXXX. I have ask the rep for what happens after my husband dies with the loans. He has paid well over the amount initially owed. He's paid $ XXXX on an original loan of XXXX. He still owes XXXX. He's been paying 17 years. 
Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization. 

In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 

The accounts that need updating are XXXX XXXX  reporting 102 % utilization XXXX XXXX XXXX XXXX reporting 100 % utilization XXXX XXXX XXXX  reporting 97 % XXXX XXXX XXXX reporting 92 % XXXX XXXX reporting 73 % XXXX XXXX reporting 0 %

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 2019-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Mortgage application was rejected verbally on XX/XX/2019 by Bank of America Based on my XXXX Status the Loan Officer told me the Underwriter cant recognize me legally present in the U.S.A and she will reject my application and she already consulted her supervisors and they all agree on the statement she made and all my attempts to have a written letter failed until XX/XX/XXXX I received a letter stated Your loan is not eligible for the program for which you applied. 

I have valid Employment Work Authorization ( EAD ) issued by the XXXX and it was renewed two times, I have been employed for more than three years, filed my taxes and already provided Bank of America with the required documentation. 

HUD and XXXX XXXX both agree on the following in the guidelines The borrower must currently be legally present in the United States. XXXX XXXX considers a borrower to be legally present in the U.S. if they have the following documentation : Valid Social Security Number ( SSN ), OR Individual Taxpayer Identification Number ( ITIN ), AND Current ( unexpired ) Employment Authorization Document ( EAD ), OR Other documentation showing XXXX   status is current/unexpired ( e.g. XXXX XXXX, XXXX XXXX, etc. ) The borrower meets all other standard employment and income requirements as required by the XXXX Findings. 

I have contacted 6 other lenders and they all agree on my eligibility to apply for a mortgage.

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 2017-08-16
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account listed on my credit reports by a debt collection agency, Deville Asset Management, collecting on behalf of XXXX. Deville Asset Management is not license to collect in the state of Texas. Therefore I am disputing to have this collection account removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: AES/PHEAA
State: CA
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:
I had a FFEL loan, although I didn't know it because XXXX was deceptive in their communications. So I refinanced with FedLoan to get my PSLF credits going. I followed all the directions provided and obtained forms from four previous employers with eligibility for the temporary PSLF program. It took some time to obtain these forms, and then three months after I submitted them to FedLoan, they informed me that they did not accept the forms I submitted without providing any details about what " additional information '' was needed on which forms, or how I could go about submitting whatever " additional information '' they demanded. 

In another development, I was expecting that after making now 20 years of payments under Income Based Repayment plans, I would be getting Loan Forgiveness based upon that 20 years of payments ( not requiring Public Service ). FedLoan has not responded in any way to my inquiries about that form of Loan Forgiveness. Instead, FedLoan has informed me that instead of being eligible for the PSLF program after 10 years of qualifying payments ( would be in XXXX  ), I will be required to continue payments until I reach age XXXX in XXXX  because I obtained a terminal degree! 

It is abundantly clear that FedLoan is not interested in fulfilling their contract with the US Department of Education. Instead they are interested in getting out of the Student Loan business as soon as possible and without completing any of the responsibilities that they have to the citizen taxpayer students like me and countless others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am receiving unsolicited offers in the mail from Citi Bank. I have attempted to resolve this multiple times by opting out of paper statements, adjusting my marketing preferences, and reaching out to their privacy contact line. 

I have registered to opt out of all offers, but they continue to send me mailers. I am exhausted dealing with this creditor and their blatant disregard for my data privacy and communication preferences.

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 2022-02-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my chase card account # XXXX was breeched through XXXX, who contacted Chase and my card was replaced twice with # XXXX then # XXXX due to a additional Back Door hack again from XXXX both Chase and XXXX had credited me for {$1600.00} and XXXX replied that the fraud was caught and it wouldn't be posted to my account either as a charge or cancelation then on XX/XX/XXXX the charge was added back to my Chase Credit Card account and when I questioned your recovery team they replied that XXXX said that there had been a delivery to my address for the purchase of this laptop XXXX denies this and my account records was sent to the chase recovery Team in the XXXX who was very disrespectful to me as I tried to address my account problem, and feel that now on XX/XX/XXXX with a reoccurrence of unusual activity again through XXXX in which I had legitimate proof that someone had a Backdoor through XXXX and accessed my Chase Credit information in which Chase & XXXX try to hide. Which is why I filed a second complaint with the IC3 federal Agency, now I'm being blocked from accessing my account or making payments in which I feel that I'm being singled out and harassed because of my filing this second legitimate IC3 Complaint this past month of XX/XX/XXXX. Someone from Chase did Call me a week or two after I filed my first OCC complaint and asked if I was the Person who had the chase Account and filed the OCC Federal Complaint and when I replied yes immediately hung up and ended the conversation, and up to today I'm still being blocked by Chase online card services, who is keeping me from accessing or paying my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30
Company: Riverwalk Financial Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the  unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  TD BANK USA/TARGET C -- XX/XX/XXXX XXXX  TARGET/ID -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX XXXX XXXXXXXX -- XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the  unauthorized inquires. 

XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX -- XX/XX/XXXX XX/XX/XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX COMENITYBANK/VICTORIA -- XX/XX/XXXX COMENITYBANK/VICTORIA -- XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX-- XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX -- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried correcting the incorrect information of my name address and accounts and inquires but the CRA just wont fix the problem

Company response to consumer: Closed with explanation