BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In 1996 I opened a prima bank services account with no monthly service charge at a Bank of America branch The agreement provided that as long as I had a minimum balance of {$5000.00} I would not be charged for my standard safety deposit box. For twenty years Bank of America has lived up to the contract. However yesterday I received an invoice for the safe deposit box for {$75.00}.

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 monetary relief
Consumer complaint received 2021-11-29
Company: NAVY FEDERAL CREDIT UNION
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following items which I believe appearing to be erroneous in my file. These items are having a negative effect on my credit score. Therefore it needs to be verified and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}. 

Also, I would like to request your verification of the aforementioned items. If you can not prove the accounts information to be 100 % precise, please correct or update them right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: LA
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, Account # XXXX XXXX XXXX XXXX  ), Account # XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXXXXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

THERE HAS NOT BEEN ANY PROOF FROM THE FURNISHER THAT THESE COLLECTIONS BELONG ME TO. IF THERE IS, I NEED TO SEE THE PROOF IN WRITING.

Dept of Education XXXX does not have anything in writing with MY PERMISSION to anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent EQUIFAX via certified mail on XXXX, XXXX XXXX  a request to investigate the inaccuracy of these accounts that show up on my consumer report. I pointed out that their also several violations of Fair Credit Reporting Act ( F.C.R.A ) and Non compliant with The Gramm- Leach-Bliley-Act ( GLBA ) to this date i have not heard back from Equifax of any updates. 

15 U.S.C. Sec. 1681i ( a ) 15 U.S.C. sec. 6802 ( b ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent HIPAA letter on XXXX to XXXX XXXX and received a response via mail XXXX stating they couldnt locate account ( s ). I provided my name & address as it appears on my credit report in which they are reporting too.

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 2020-01-03
Company: GVA Holdings, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company debited my account one day before each agreed payment day, causing my account to overdraw. When I called them to correct the payment dates, the refused to work with me. The loan agreement was NOT available ( link was broken so i never got the agreement ) and when I finally demanded it and got it I saw that they were charging me 674.9825 % interest which amounts to a {$2300.00} loan fee with total payments of {$2800.00} on a {$500.00} loan. 

Iowa has a maximum loan term of 31 days and a max rate of 337 %. When I mentioned that to them, they told me that the laws don't apply to them. I have already paid the company {$890.00} and when i asked my payoff amount, they stated it was {$560.00}, more than the original loan. 

I send them a deauthorization notice and notified my bank. I'm also making complaints at the XXXX and the FTC and anywhere else I can think of. These thieves need to brought down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please see attached I have communicated with XXXX XXXX vigorously to have information removed from my credit report. They have now deemed the card to have been opened fraudulently and I ask that each credit bureau review the attachment and remove this account information from my credit report immediately

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 2020-01-03
Company: V and H Portfolio
State: SC
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:
Upon retrieving my credit report XXXX XXXX. I noticed the fraudulent account. Immediately I reached out to the company as well as the Credit bureaus to get to the bottom of this matter. Upon investigating I realized I became a victim of identity theft. Some crook obtained my information and acquired goods fraudulently in my name in another state/city that I've never lived nor visited. The collection agency was extremely distasteful and unapproachable in the matter and Absurdly demanded immediate payment. I did not acquire this account it was obtained under false and fraudulent intent. I notified the FTC as well as my local police department of this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24
Company: Benuck & Rainey, Inc.
State: WI
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:
I took out a business loan for some XXXX  equipment back in 2014. I unfortunately had to move the business to Wisconsin and the business failed. I kept making my monthly payments until some issues came up and I informed them I would be missing about four payments. Even though I informed them ahead of time, they chose to send my account to collections with Benuck and Rainey. For three years, I made my agreed upon payments, on time, bi-weekly, for the agreed to amount. I made every payment and made every payment on time. I attempted numerous times to get XXXX XXXX XXXX via Benuck and Rainey to settle for large amounts but they declined every attempt. I still kept making all my payments and making them on time and for the agreed to amount. I recently found on a credit report that even while I made all my payments and made them on time, XXXX XXXX  was reporting to the credit agencies both delinquent and non-pay every month with NO NOTIFICATION TO ME and while still taking my payments and denying all my settlement offers. I now have paid 7 times what the equipment was originally worth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Enclosed Identity Theft Affidavit for acounts that are a result of ID Theft. 
Please block information from 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 non-monetary relief
Consumer complaint received 2017-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern : This issue is in regards to 3 different accounts. I have one credit card account that is showing up on my credit report, of which I disputed and asked for verification. I sent two Certified  letters. One dated XX/XX/XXXX and one dated X/XX/16 directly to the credit card company to dispute this particular account that is reflecting on my credit. I then also disputed directly with all three of the credit bureaus through a letter sent X/XX/16 since I did n't receive a proper response based on the reporting guidelines. I have two additional accounts that are my mom 's that I am listed on as an auth user. In response to my letters, these trade lines were taken off of my credit, and the one in question still remains, and then started to report monthly as being over limit. I have been working relentlessly through writing letters and calling to resolve the issue, but to no avail. My credit scores have since plummited and it is affecting my ability to obtain any kind of credit, and more importantly, close on a home. I am becoming very frustrated. Every time I call the company directly, there is a " report '' generated to look into the issue, but I 'm told it can take up to 90 days to resolve. Then when I call back to find out what the resolution is, it 's never resolved. It 's a constant run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: PR
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:
Enclosed Identity Theft Affidavit for acounts that are a result of ID Theft. 
Please block information from 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX, 2022 I sent a personal dispute letter to Equifax to correct my address. I also called them on the phone to correct it as well. As of today they will not remove the apartment number from my address. I have sent them a copy of my drivers liscense, a copy of my light bill showing my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Navient Solutions, LLC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX This complaint is about fraud and it involves XXXX XXXX XXXX XXXX XXXX, a school for profit I attended in XX/XX/XXXX and XX/XX/XXXX. While attending XXXX XXXX XXXX XXXX XXXX, I was assigned an XXXX at XXXX XXXX XXXX XXXX as a means to start working on my thesis. XXXX is involved in grassroots activities trying to help steer its youngsters into ethos of social productivity. XXXX is located in XXXX, XXXX one of XXXX XXXX XXXX 5 boroughs whose residents are mostly minorities ; it is a very tough neighborhood reknown for its deadly violence due to a large influx of XXXX XXXX or XXXX. I, for days to come, along with my colleagues, were instructed to saturate the XXXX neighborhoods with leaflets as a means to attract a large turnout for XXXX annual message of non-violence during the summer. I was served last year with legal papers and every time I showed up in Court, the other side had a problem with lawyering up for the case, at least 4 or 5 times. Finally, on XX/XX/XXXX, Counsel for  XXXX offered to drop charges against me if I would drop charges against them, I refused. My attitude was such because XXXX XXXX has almost {$30000.00} of my students loans in their coffers and I have nothing to show for it. The judge rescheduled the hearing for XX/XX/XXXX. I received an invitation letter in early XX/XX/XXXX for a Court date, I called the District Court to complain about two calendar days and the associate reminded me that my Court appearance was for XX/XX/XXXX. Then the judge and XXXX decided to have their motion behind my back. I do not have a diploma ( degree ) for my studies because XXXX never replaced XXXX with another XXXX. In XX/XX/XXXX,  XXXX through their legal counsel served me with legal papers claiming that I have an overdue balance of {$7800.00} I countersued XXXX for {$30000.00} a sum close enough to the amount spent for my studies at XXXX. Further, the Plaintiff provided a set of Exhibit boguses from page 3 to 5 in which it failed to show why Defendant never graduated. On the Defendants second year, XXXX tried but failed to get its GED program rolling which was the centerpiece of the Defendants thesis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had funds being transferred from XXXX to XXXX to a chase checking and some of the money was not accounted for ... I originally filled a complaint with the OCC and they in turn handed it over to the FBI finance division who apparently sent me a letter to an address I do not live at and it was returned. Now with out the special file number on the letter I can not get the information. I called the FBI who gave me the finance divisions number who in turn said no information with out the number on the letter. I asked them to resend the letter and they said no go without the file number in this letter. What to do? Need I say more! So how do I find out if chase was responsible for the account errors? This was in 2012 Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My complaint is with BB & T Bank. 
I understand that overdraft fees has to be applied to your account when the bank pays for a transaction because of low funds. 

My question is why do they have to apply {$36.00} dollars for every seven days your account is in a negative status. 

I can recall XXXX XXXX XXXXXXXX getting sued for excessive overdrafts and had to pay out millions of dollars back to their customers.

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 2021-07-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2017, I was unable to temporarily lift my EQUIFAX credit freeze via my landline phone. Their automated system required a cell number ; I do not have a cell phone. I then spent hours on the phone with Agents in the XXXX. They instructed me to open an online account ; no, I will not trust them with an electronic account. I answered their questions : Name plus spelled ; Social Security number ; Address plus spelled ; Date of birth ; Phone number. First they said their system was down, and to phone back in a couple of hours. Then I answered the same questions again in subsequent calls, while struggling to understand their geographical accents ( I am hard of hearing ). They no longer use the PIN they generated when the freeze was placed. I was finally told they could NOT temporarily lift my freeze unless I mail them copies, from California to Georgia, of my ID and driver license with a cover letter. Then wait three business days after their receipt of slower, coast-to-coast U.S. Mail. The Federal Trade Commission ( FTC ) specifies, " If you request a lift of the freeze, the agency must lift it within one hour. '' There is no stipulation that one must have a cell phone. And it was easy to immediately implement temporary lifts at the other two agencies, via landline phone with my PINs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a payoff balance for my primary residence last month. The payoff was only {$1900.00} if paid before XX/XX/XXXX. I paid {$1900.00} on or before XX/XX/XXXX, {$4.00} extra to make sure I had an extra balance incase the interest was off a little bit. 
The loan servicing company applied {$1400.00} to the principal and {$520.00} was put in an escrow account. Next payment was due in XXXX? 
I called and emailed numerous times, the customer service manager did not let me speak and was very rude. Know my balance is {$87000.00} when I should be XXXX. 
Nobody at the Loan servicing company has given me any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XXXX of XXXX I became I'll with XXXX. I was laid off in XX/XX/XXXX when XXXX was shutdown. I then went on unemployment and was taking advantage of Stimulus money to pay my car lease with Infiniti Financial Services until XX/XX/XXXX when benefits were cutoff. After losing 40 lbs I needed food to eat and to get new clothing to obtain a job. 

After receiving stimulus money in XX/XX/XXXX I was surprised to find my online account was suspended when I tried to get current with the lease by making a payment online. The message after I logged in said please call. I called Infiniti Financial Services who was offensively rude to me. They would not allow me to get current on my lease and told me to drop off my car at a dealer. There were no options offered. 

They reported me to credit agencies hurting my credit. This poor credit report is affecting my ability to find a new leasing company. I was told my car was going to be repossessed. I want an offer to keep the car and get current on my account. To take away someones vehicle during a pandemic is cruel and unusual punishment to US consumers who want to keep their vehicles. I am now gainfully employed thankfully after the worst year of my life. 

Please help me compel them to make an offer to keep my vehicle. I have been a customer of XXXX and XXXX for 35 years. I've leased a total of 8 separate vehicles from XXXX ( XXXX ). This is not acceptable behavior towards consumers during these difficult times for Americans. I look forward to resolving this issue with Infiniti Financial and thank the CFPB for helping consumers. I received my XXXX XXXX  dose yesterday. The car was critical in receiving medical care for my long hauler conditions and getting XXXX. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: NM
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:
Equifax has XXXX  up my acccount since the data breach. I have not been able to access my account even though I have filled out and submitted their form to prove my identity several years ago. I am trying to do a VAIRRL refinance on my existing VA mortgage. The VA requires that the bank have access to all three credit bureaus. Since I can't give them access ( all three are frozen ) they can not process the loan. I have tried for years to straighten out this problem to no avail.

Company response to consumer: Closed with explanation