BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Upstart Holdings, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2022 I was called by upstart loans for a late payment on my loan # XXXX I was told I would also owe an additional {$15.00} which at the time I authorized them to draft. The payment went through just fine and I proceeded with the rest of my day. 

Later on in the week I was called again by upstart stating I now owed the {$15.00} late fee. I explained to them that I had already authorized this payment and thought it was ridiculous that I was being told I owe this money again. They at the time told me that they would wave the fee and it would not be reported to the credit agencies. 

This was followed up by an email stating the same information. 

Today, XX/XX/XXXX I received an email again trying to collect on the {$15.00} fee. I spent over XXXX mins arguing with their phone reps to deal with this, and was told I had to pay the fee to avoid it being reported to my credit but the fee would be waved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a Capital One account holder and was attempting to place a stop order on a large check due to inaction on the check for 30 days XXXX payable to the IRS ). In attempting to place the stop order, the fee related to the order was not disclosed, but rather you were directed to your account disclosures or to contact a toll-free number. After going through the Capital One 's long phone-tree to get to customer service, I was surprised to learn that the charge for stopping payment was {$35.00}. In my view, Cap One 's practice is unfair and deceptive insofar as it does n't clearly disclose such a large fee at point of entry and there is no link to any other fee disclosure. It would seem that this is clearly a violation of UDAP and should be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Yesterday night on XX/XX/2022. I tried to open my Chase account and login but before I could log in a message popped up on the app saying that chase has locked my account for suspicious activity. They did not let me know anything before closing my account or locking my account. I began to wonder what could have happened because it was perfectly fine all throughout the day yesterday and even before yesterday. I even tried to purchase a hair and I wanted to check to see if the payment went through and it got denied because my account was locked. So this morning I called Chase regarding the issue and they emailed me that morning and also on the phone saying that they are closing my account and that I can not open any future accounts. That they are ending their relationship with me. And I feel like that is not fair to me because they will not give me any detail as to why they're specifically closing my account or for me to at least know any transaction that might have triggered it or if my account was being hacked. I don't think that it was right and I have the right to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reporting negative items on credit for XXXX XXXX, calling breathing over the phone not saying anything then hang up when I say hello. I have an old account with XXXX thats in debt, My wife added me on her phone line with XXXX I have same number from old debt. When my wife late paying late bill this collection agent violate me with punishment towards my credit. My wife account is different from my debt. They treat it as if its my account because of my number. Its unfair and unprofessional. Bullying tactics. Before account closed I tried making a payment plan XXXX denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
Chex Systems has had a XXXX XXXX XXXX XXXX on a report with them for 5 years already I have done the math and it is well past the time for this item to be removed for good. I have also provided them with an ID theft report that they deemed wasnt " close '' to the time frame, I dont care what it was close to or wasnt close to I had ID Theft and they need to remove this information from their file.

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 2022-07-25
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 there was a Hard Credit Check from Nordstom/TD Bank USA so I called Nordstom to alert them this was fraud and that I did not request this card. They said as of XX/XX/2022 there were no charges on the account, however they would cancel the account and refer this to their fraud department. 

I put a Credit Freeze on my Credit Report through XXXX, XXXX, XXXX and a freeze through XXXX on XX/XX/2022. I also submitted a Police Report through our local county.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX was given a request to close XXXX/XXXX  account and XXXX XXXX/XXXX  account and 30 business days later the accounts remain open, XXXX XXXX do not have the right to hold an account open and I do not need the creditor to tell XXXX XXXX to close an account in order for it to be closed, that's against my consumer rights, and I want the right to close those account today.now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used the Remitly app to transfer money to a XXXX XXXX digital mobile money wallet account. I need to report two transactions : Remitly Reference number XXXX : XXXX for {$50.00} XXXX on XX/XX/2022 Remitly Reference number XXXX : XXXX for {$150.00} on XX/XX/2022 These transactions are showing as 'delivered ' on the Remity app but there is no record of receipt on the XXXX XXXX XXXX wallet app. 

I am suspecting fraud from either Remitly or XXXX. 

I spoke to Remitly and was told the transactions have been delivered and confirmed as delivered by the XXXX partner bank. This contrasts the statement from XXXX XXXX that said they have not received the funds from Remitly and no deposit has been made to the recipients XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Across multiple dates in XXXX and XX/XX/2022, login to the Aidvantage XXXX XXXX XXXX processing website was attempted. Attempts were made during as well as after business hours on multiple days without any success at gaining access to my personal student loan billing information. Troubleshooting guides on the Aidvantage website were not helpful, if they loaded at all. Automated help desk calls also did not address the issue as it appears the login function of Aidvantage 's website simply odes not work. In fact, more often than not, the login dialogue box in particular will not load into the main website page. Reading the experiences of others on student loan finance forums indicated that this is the rule rather than the exception and many individuals with loans now administered by Aidvantage are frustrated with the company 's inability to provide adequate services for their customers. The website does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My repayment for the Parent Plus loan that was taken out through XXXX is not with Navient. The payment is XXXX a month. I can not afford this. My elderly Mom recently moved in with me and I am her sole caretaker. Please let me know if there is anyway I can get this loan wiped out or cheaper a month. The first installment was due in XX/XX/XXXX but I have put payment off through Navient until XX/XX/XXXX. Then I will be calling again to defer the payment. Meanwhile my interest is compounding. The Total amount of the loan is over {$42000.00}. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have an overwhelming student debt - between Federal and Private Loans I 'm up to about XXXX. I have been working for weeks to get someone to help consolidate, but because the amount is so high and because I do n't make all that much no one will help me to get my monthly payment lowered to a manageable amount. Navient is useless because they just keep asking me how I expect to pay them - I do n't know, I ca n't afford over XXXX/month. I 'm just trying to start paying these back, I took the loans and I accept my debt I just ca n't afford such high payments but no one seems to want to help me pay off my debt ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was late paying my property taxes. the county notified bank of america.Bank of america paidthe taxes by setting up an ascrow account causing my monthly mortgae payment to increase. subsequintly the county notfied Bank of America that I had indeed payed the taxes albeit late and refunded BofA. I asked BofA to remove the escrow account that is noe included in my mortgage payment. I explained that I am on a fixed income and can not afford the payment increas BofA refuse remove the escrow account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CBE Group, Inc sent a bogus notification of debt collection for XXXX saying that my account is past due, and instructing me to send money via a website, via credit card, or debit card, or via money order. They listed a disconnection date of XXXX/XXXX/15. However, they list an account number that it is not mine, and XXXX never disconnected my number on such date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-20
Company: Experian Information Solutions Inc.
State: IL
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 Accounts, 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 Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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:
CFPB : ALL IM SAYING IS IF THERE'S CLEARLY INACCURATE DATES BETWEEN XXXX BUREAUS, INACCURATE AMOUNTS, INACCURATE DISPUTE STATUS WHY ARE THEY REPORTING IT!!! FOR ALL I KNOW BEING A REPORTER THEY NEED TO HAVE THEIR SOURCES ACCURATE BEFORE THEY FURNISH MY CREDIT REPORT OTHER PEOPLE... ON WHICH I NEVER AGREED IN WRITING THAT THEY CAN DO SO!!! 


i write here everyday... believe me im annoyed too... i just want to hold the XXXX bureaus accountable for false report ... or better yet FAKE NEWS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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:
In accordance with the Fair Credit Reporting Act the following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NC
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 Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX  XXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXX  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 2016-02-10
Company: Ricart Financial Services
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2013, I had a car repossessed. The car was sold and the debt was paid. Today I got a notice that on my credit report there was a new repossession with a company called XXXX XXXX XXXX the original XXXX that was settled 3 years ago and has been reflecting on my report as a repossession was Central Ohio Credit Corp. I do n't have a " new repossession '' this took my credit score down XXXX points and they also made a hard inquiry on my report that I did n't authorize. This information is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: OH
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 sent a XXXX letter to Equifax asking for original documentation of verifcation of 5 items on my credit report. This letter was mailed via certified mail with tracking on XX/XX/2022. The letter was received on XX/XX/2022. On XX/XX/2022 i received a response from Equifax saying their investigation results prove that all information is accurate for all 5 accounts. They did not include any original documentation with signatures, they did not include any contact info/description of investigation to determine accuracy or completeness of investigation. They only provided a letter saying they contacted each agency, and that the information was verified and deemed correct. On XX/XX/XXXX I sent another letter to Equifax asking for proof and method of investigation, asking for original documentation. The letter was received by them on XX/XX/2022. They did not provide any proof or any other letter within a 15 day period. In fact, I have not heard back from them at all and today is XX/XX/2022. According to the FCRA, equifax is in non-compliance and is required to delete the 5 disputed items on my credit report. They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I rarely use my Bank America XXXX credit card. I used it once in XXXX ( I believe ) to buy gas for roughly {$30.00}. Because I use it infrequently, I did not recall that I had used it for one purchase. 

I did not realize that this small amount was outstanding because I did not receive a statement, nor did I receive any call, e-mail or text from Bank America. 

After approximately 30 days, they sent me an e-mail that asked me to call them in a very casual way, but did not mention that there was any issue. I called them immediately. After being informed that a small balance was outstanding, I paid them instantly. 

I later discovered that Bank America had filed a notice of 30+ days late with the major credit agencies, which reduced my credit rating. I called back and asked them to remove this since I had n't received notification, it was a small amount, and it was paid immediately. They submitted that request on my behalf and told me I 'd receive a written decision within 7-10 business days. 

I did not receive a written decision so I called Bank America. The woman told me that Bank America had found in my favor and that the adverse credit report would be removed. She said that I would receive a letter shortly stating this. 

When I did n't receive the letter ( again ) after a reasonable time, I called Bank America. This time, I was told that they had found against me and were refusing to remove the report. They said that they had sent multiple statements, but I told them that obviously I did n't receive them or I would have immediately paid such a small amount in full. 

Bank American admitted that other than the statement ( s ), they had made no effort to call me, to text me, or to contact me by e-mail. I asked why that was and the supervisor said, " You may not have given us consent to contact you ''. I did n't think that made a lot of sense. 

In my condo complex, we have over XXXX units and it 's not uncommon for mail to be misdirected. However, I can not say why I did not receive the statement. 

I 'd like these negative reports removed. I have acted in good faith and have immediately paid this small bill upon discovering that it was outstanding. I feel that Bank America did not make reasonable efforts to inform me of the outstanding bill and they provided false and misleading information when directly stating that the issue was resolved in my favor. Presumably that call was recorded.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: MS
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 has violated my rights. 

15 U.S.C 1681 section 602A states I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-16
Company: Experian Information Solutions 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:
CFPB : ALL IM SAYING IS IF THERE'S CLEARLY INACCURATE DATES BETWEEN THREE BUREAUS, INACCURATE AMOUNTS, INACCURATE DISPUTE STATUS WHY ARE THEY REPORTING IT!!! FOR ALL I KNOW BEING A REPORTER THEY NEED TO HAVE THEIR SOURCES ACCURATE BEFORE THEY FURNISH MY CREDIT REPORT OTHER PEOPLE... ON WHICH I NEVER AGREED IN WRITING THAT THEY CAN DO SO!!! 


i write here everyday... believe me im annoyed too... i just want to hold the 3 bureaus accountable for false report ... or better yet FAKE NEWS!!

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