BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A unauthorized charge for {$890.00} was made on my account on XXXX which I disputed with my credit card. The investigation made no attempt to contact me for additional information. I did not authorize the charge, have any knowledge of the charge, and did not benefit from the charge in any way. 

I received the results of the credit card services investigation on XX/XX/XXXX stating I received benefit but this is inaccurate. In no way was this charge authorized, I have no idea what this charge was for other than it was from an overseas travel company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Tormey Bewley Corporation
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The dept is my sons, same name, different ssn.different birthdate.I have successfully disputed this dept .it was removed from my credit report.then XXXX resubmitted dept to my credit report.when I contacted them by phone they stated that the way to clear this up is have my dead beat son pay his bills ... So unprofesional, and then I was told sorry they do n't know what to tell me.Then the employee at the credit collection agency, XXXX , XXXX. repeatedly hung up on me.Could not believe the lack of treatment.This is not my dept.

Company response to consumer: Closed
Consumer complaint received 2016-01-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They told me it remains and need to discuss with creditor over three times. Now if it is n't deleted here soon, I will take legal action!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased my car with XXXX XXXX.  I gave them a 
check for $XXXX for down payment of a new car.  I was called in their
office and they changed the terms on me.  In addition, I found out from
KIA FINANACE that I was over billed for $XXXX.  I put a stop payment
on the check immediately. I went back and forth
with the dealership to try to resolve this matter.  I got the run around.  It 
took several months after calling their corporate office and complaining 
to KIA headquarters.  I have paid this debt and they have reported to the 
credit report agencies.  It was their lack of integrity and unwillingness to
resolve this issue in a timely manner after also jacking up my 
monthly payment by having me re-sign new papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/21 I was trying to withdraw money from my account when the funds were frozen and unable to use. Then I received a email from Wells Fargo that my XXXX was deactivated without my permission and also my unemployment was re routed to a pre pay card My retirement was taken from my account without my permission

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 2021-02-20
Company: Jim Bottin Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im being threatened by this company called XXXX XXXX XXXX XXXX to pay my gym membership debt. 
They havent sent me any documentation or any letter in the mail stating how much the debt is. 
They have threatened me if I dont pay them {$820.00} they will report it against my credit. 
When I agreed to pay {$820.00} using my credit card they called me back saying if I XXXX XXXX them {$230.00} to the information they will text me I will not be held responsible for the {$820.00}. 
However they have failed to provide me with any contract or any other written documentation. 
As to what I have read about this company they have is negative reviews and it has a red mark saying there are alerts for this company. 
I dont know how to get this resolved and I dont want any negative remarks on my credit. 
How should I proceed with this. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Experian Information Solutions Inc.
State: IA
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: Problem with personal statement of dispute

Complaint:
Experian recieved an online collections for XXXX from an agency which I clearly did not have any association with, and accepted it as a mark on my credit report. I disputed it because I have never even heard of these people and they never confirmed with me that I owed them money and for what. The collection was opened on XX/XX/XXXX, with an account of XXXXXXXXXXXXXXXX. I know nothing other than what is put up on my account. Experian refused my dispute saying that they confirmed with the debtors that they were accurate, however, they never contacted me and according to the fair debt collections act, they must do that and identify themselves, and tell me what debt I allegedly owe them. That was not done either. Experian is allowing this mark to be on my record when I do not have anything to do with these people who claim I owe them money. NOT acceptable according to any laws in the fair debt collections act.

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 2016-10-12
Company: ALLY FINANCIAL INC.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I sent in a dispute letters to Ally Finacial originally on XX/XX/2016 by USPS which they signed for it on XX/XX/2016 to dispute a account that was showing up on my credit report. They DID NOT send a response letter to me until XX/XX/2016 which the letter was dated XX/XX/2016 AFTER the 30 days time frame they had to respond. Also they DID NOT mark ANY of the credit bureaus disputed. That was after the 30 days time frame they had to contact me back in reference of my dispute. I sent them a second letter on XX/XX/2016 which was signed for on XX/XX/XXXX informing them that they had broken the federal law b/c they had 30 days to respond back and they responded back AFTER 30 days. I requested that by Federal Law they have to remove the account off of my credit report. They responded back to me XX/XX/2016 once again with documents but still not marking my credit report and still DID NOT remove the account from the credit report even though once again it was after 30 days of them responding. I sent out a third letter on XX/XX/2016 and was signed for on XX/XX/2016 advising them that once again they had broken the federal law of having 30 days to respond and mark my credit report as disputed. I checked my credit today XX/XX/2016 and it is showing that my credit report was updated today and marked disputed but sent NO documents. They have continuously broken the law and would not comply by removing the account since they did not respond to me within the 30 day time frame. I need this company to completely remove this account off of my credit report b/c they have broken the Federal Law twice and still have not completely resolved my issue.

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 2017-02-14
Company: ERC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX2017 I contacted ERC in regards to a letter my father had given me from them. I spoke with an individual and requested a copy of the written contract. At which time, I was transferred to a XXXX. XXXX continued to speak over me, belittle me, and engage in unprofessional and abusive conduct. I have subsequently had to see a XXXX as a result. 

Afterwords, I contacted the company and requested to speak with their attorney regarding their illegal conduct. I received an e-mail from a XXXX XXXX in response to my letter and clearly provided legal advice. Her own words state " XXXX XXXX let me advise to you, that no law exists where an employee of any agency is required to tolerate and withstand continued insults and bullying by a consumer no matter how angry that consumer feels. ". She goes on to provide legal analysis in the letter. After checking with the Florida Bar Association, XXXX XXXX is not licensed to practice law. 
Under Florida Criminal Statute " Engaging in the unlicensed practice of law in Florida is also a crime. It is a third degree felony. '' The conduct of this company and its employees is completely without word. It surpasses industry standards and recklessly disregards both civil and criminal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I submitted a request to consolidate specific loans to create a direct consolidation loan. Either dept of ed or Navient ignored my clearly typed application which listed the exact loans to consolidate and the XXXX loans to exclude from consolidation ( on separate forms with clear labels ). This resulted in the XXXX Perkins loans being consolidated with my other federal loans and I have lost my benefits to defer these loans under the Perkins Loan request for deferment prior to cancellation, as I am employed as XXXX at a XXXX. Now these loans are accumulating interest that will increase my overall debt to be paid while Navient and Department of Education have said they are addressing the error, after calling 15 times and talking to different people who accused me of submitting one form with all of my loans listed. I finally have in writing, via email from Navient, " Hi XXXX. 

We have requested for the Perkins Loan to be unconsolidated. We have to get approval through the Department of Education. Once the approval is received, the loan can be unconsolidated. 

It is a time consuming process which we have no control over, but I wanted to let you know we are working on it. 

Regards, cid : XXXX XXXX Loan Consolidation Specialist, Loan Consolidation Department Navient XXXX, XXXX , IN XXXX XXXX XXXX FAX '' That email was sent XX/XX/2016 and I have not been able to get anyone on the phone from this department to check on the status. They have not returned my calls after leaving messages. And furthermore, because I am a XXXX working for a XXXX, I qualify for Federal Loan Forgiveness, for which 120 qualifying payments will forgive my loans. But payment on this direct consolidation loan ( incorrectly ) will not qualify because this will be a different loan after they de-consolidate the XXXX federal perkins loans. The fraud is absurd in this organization, I am drowning in XXXX dollars of debt and the only light is that I can work towards federal loan forgiveness over 10 years, and loan deferment and cancellation over 5 years of my federal perkins loans. I have never felt so helpless. I attended XXXX University for my XXXX 's, from which my Perkins loans were disbursed. I then attended XXXX University for my XXXX for the large majority of my other federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Hello, My Unemployment Debit Card for Nevada from Bank of America was compromised on XX/XX/XXXX. I reported it that day, and a replacement card was forwarded and received. I have not been able to activate or access my weekly benefits since that date ( 3 months now ). 
I have spent several hours and numerous telephone calls to both XX/XX/XXXXand BofA to no avail. XXXX ( State of Nevada ) assures me that the release and confirmation of identity for my account has been forwarded to BofA on XX/XX/XXXX. then again on XXXX and XX/XX/XXXX. While Bank of America continues to state that they do not have any release. It has been this continuous " volley '' back and forth between the two agencies. 

On XX/XX/XXXX, after waiting on hold for 2 hours for a Bank of America Supervisor, I was told that it was just a process for mhy own safety. And, that I will have to just wait. I HAVE HAD NO BENEFITS FOR 3 MONTHS ... How long do I have to wait? 

This clearly appears to need some accountability and responsibility on the part of BofA. Why don't they take responsibility and FIX this issue. People need their lifeline. 

Please help! Can you please let me know when I will have a resolve? I can be reached at XXXX. 

Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XXXX I sent regarding the violation of my privacy I noticed on my report. 60 days later I have not received a reply. My rights are being violated by Transunion, XXXX and XXXX. According to 15 US Code 1681 Section ( a ) ( 4 ). This is a violation of my privacy.

I never gave either of the previous mentioned companies the right to report any of the information attached in the documents.

I demand all accounts be deleted off my account, or i will seek litigation due the stress that this has caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pulled my credit report on XX/XX/XXXX, and saw that XXXX XXXX XXXX placed a collection account on my credit report. I have not received any communication from this company regarding this debt or any opportunities to dispute it. I do believe that the law states that I have the right to be notified of a debt prior to it being placed on my report and given the option to dispute within 30 days of receiving that communication. XXXX XXXX XXXX has not attempted to provide me any written communication regarding this debt. The practice of placing collections on accounts without any notice is illegal and this company should be held responsible for its actions. This collection claims to have been opened in XX/XX/XXXX, yet, this is the only time I have been made aware of this. I also placed a call to Synchrony Bank, the so-called original creditor, to see what this debt is and they were unable to find any account of mine that has not been paid off already.

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 2021-03-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is no fraud!!!!! 

I have sent letters with my id and my driver license and my SS cards and utility bills and still Equifax still will not remove the fraud alert from my credit report ...!!!!! 
They do not understand basic English remove the fraud alert from my report!!!!!! 

I did not place the fraud alert on my report!!!!! 
still they will not remove the fraud alert from my report!!!!! 



XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
We went in to look at the cost of a vehicle and filled out paper work to see if we were able to get a loan from one company. At the first denial we decided not to continue with the dealership but the dealership kept sending out loan request even after we no longer stated we were no longer interested and no longer wanted to deal with the dealership. 
The inquiries were all done on XXXX XXXX 2013, the original and approved inquiry was on XXXX XXXX, 2013.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that Transunion and XXXX had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the XXXX report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either Transunion or XXXX that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was removed.

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 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
received emails stating my credit had been ran by Capital one bank and XXXX XXXX but no further contact information was sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Talk with bank of america, why my monthly payment since ( XX/XX/XXXX ) not reported to credit agency.Did file bankurpt chapter XXXX .Six years ago .late mo.found all this was happen when trying to refinance loan, No credit history.The bank said no reaffiartion agreement, But send a copy of it to bank ( XX/XX/XXXX ) since then bank said will take 10-12business days.Now bank said not file with county.working on it no time limit.All my paper work on file .Its like nothing is being done

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: The CBE Group, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They place repeated robo-dialed calls to my cellular telephone, sometimes as many as XXXX in one day. Each time I answer, the computer voice asks me to hold while it connects me to an agent. The dates and times of the calls are:
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a car from Credit Acceptance in XX/XX/XXXX. Now by XXXX I was behind so they repossessed it and yes I had " good faith '' payments to keep my car out of auction. I made the last payment to get my car on XX/XX/XXXX. I was refused my cars release until XX/XX/XXXX. 
A year later I find out they had taken the car out of my name on XX/XX/XXXX after I had done paid all my payments I had to for them to release it. I was never informed that they had taken a car out of my name they never sent me paperwork I asked Credit Acceptance for anything else and even up til today. They take blame but refuse to own the {$1000.00} worth of penalties. Plus the {$1000.00} I'm just out because Credit acceptance decided to not post them.

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