BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2013 I purchased a vehicle ( {$15000.00} ) financed by Ally financial. A few months after obtaining the vehicle i found out there was a class action lawsuit on ally for charging 4-5 percent more interest to minorities. I asked multiple times to lower the interest ( 15 % ) but i was told no they cant. After so many attempts i told them to get the car. Now ally auctioned off the car for ( {$7000.00} ) and now I have negative mark on my credit for ( {$7800.00} ). 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-doj-order-ally-to-pay-80-million-to-consumers-harmed-by-discriminatory-auto-loan-pricing/

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 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 Capital One Account XXXX, has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning XX/XX/XXXX, Pioneer Credit Recovery has been calling our rental/business office with their phone calls for an attempt to collect a debt. At this time our office has received 9 phone calls in 11 business days. 
The phone calls have been coming from XXXX and asking that PCR be called back at XXXX. We have responded to each phone call and have repeatedly asked that they stop calling our office. 
The phone calls are being made through our contact phone numbers for our online advertising for our townhome rentals. Our advertising agency, XXXX XXXX, has also been notified of these calls and they are in the process of changing all of our contact numbers on our online ad 's. 
*See attached phone log of the phone calls from PCR. 
*See attached transcript of the phone call messages. 
* See attached online ad for our rentals. 
*See the attached email from XXXX XXXX from Navient/Pioneer Credit Recovery-which clearly indicates that we do not have or owe on any accounts with them. 
In our phone calls back to PCR we have requested/demanded that the phone calls stop but to no avail. 
On Thursday, XX/XX/XXXX, an email was sent to their CEO XXXX XXXX, XXXX XXXX responded to that email and assured our office that she would resolve the issue and the calls would stop, still to no avail. On this same date an employee in our office received their phone call, while the employee was with a potential rental applicant. 
We are a reputable XXXX XXXX XXXX that has been in business for over 30 years and we feel strongly that this is harassment. Again, each and every time we have received their calls we have responded and given them our numerous online contact phone numbers and they still have not stopped the calls. The phone calls are also being left on our voice mail. This needs to stop. We are a small reputable company that does not want our employees or others to hear these debt collection calls for an account that is not ours. If there is any other information that you would need, please do not hesitate to contact us for additional information. We are fortunate that our office and advertising company have complete documentation of all of the calls and the audio of each call. 
Prior to my contacting of XXXX XXXX, I had called the XXXX and had spoke to numerous representatives of PCR, including supervisors, all of which were terribly rude, condescending and none of which did anything to resolve this issue of these phone calls. They are targeting our small business for an account that is not ours.

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 2022-10-04
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail saying that it's XXXX Collection Services and they are collecting my debt from XXXX. I double checked with XXXX and I have no outstanding balance. It's a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2019, I received ONE free yearly credit report via Transunion website. The page automatically refreshed, which required me to purchase a ONE TIME credit report for {$9.00}. After careful inspection, and agreeing to a ONE TIME charge of {$9.00}, I agree and went through with the purchase. 

One month later, I received an unauthorized {$19.00} fee for their subscription service that I, in no way, shape, or form, agreed to or signed up for. I attempted to cancel my subscription, but they do not have any way to cancel the charges on their website : https : //membership.tui.transunion.com The {$19.00} fee incurred between paychecks, causing an account overdraft with XXXX XXXX  , which incurred a {$35.00} overdraft fee.

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 2017-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Dear Experian, on your respond you indicated that ( The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer 's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time. ). I have contacted to the creditors and they have send to you ( Experian ) and to me a letter that they removing the hard inquiry, but somehow it is still, and shows on my credit report. 
Also, I am requesting that you open on dispute on hard inquiries for other creditors that they pull my credit without my authorization. Again, creditors who have access my profile and make a hard inquiry I did n't authorized them to do it, that is why I 'm requesting you to remove and or delete from my file. Now I am requesting from you Experian to send me a proof that I authorized this hard Inquiries listed on my letter. 
Moreover, see attached letters from banks, that they send me and send you Experian, to remove inquiries from my credit file, but the inquiry is still showing on my credit file, from XXXX, XXXX and XXXX. 
Now Dear CFPB, this agency ( Experian ) telling that they providing accuracy but looks like they not, we have actual letters from creditors and they still playing with me. I really mean it if this time they not going to honor this my request and remove this inquires I will move forward and make a legal action.

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 2017-08-23
Company: EQUIFAX, INC.
State: NY
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 contacted Equifax about some unauthorized inquires on my credit report to which they responded " call the creditors '' .This credit reporting has been very rude and unprofessional in dealing with my complaint.The inquiries are XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Money Tree ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) accepted a check for {$3300.00} which Wells Fargo cashed ( see check copy attached ) on XX/XX/21 that was made payable to us " XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX without our consent or any endorsement from XXXX XXXX XXXX on the back of the check.

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 2017-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX at Bank of America to apply for a Home Equity Line of Credit. I currently have a Home Equity Line of Credit with Bank of America for $ XXXX. The draw period expires XX/XX/XXXX. The available credit on the line is $ XXXX. XXXX told me my rate would be prime plus .XXXX and my house should appraise around $ XXXX, so I could receive 70 % of the home value. 
A couple of weeks later, I was contacted by XXXX XXXX. Issue 1 : XXXX stated my rate would be prime plus .230 % and could not provide any explanation for the difference in rate. Issue 2 : XXXX stated my house appraised at $ XXXX. I was later told by XXXX XXXX my home appraised at $ XXXX. During my last conversation with XXXX, I was told that she needed more information on the current lien against the property of $ XXXX. I provided her with the information to contact the XXXX XXXX XXXX, XXXX XXXX, and directly asked her if this was going to be an issue and if I needed to pay the lien off so we could proceed. She stated she needed to talk to the lien holder first and she would call me back. Issue 3 : This lien has been on my home since XX/XX/XXXX. This lien was on the home when I was approved for the initial LOC approximately nine years ago. Issue 4 : XXXX never returned my phone call. Instead On XX/XX/XXXX, someone else called to say that my application had been denied. Issue 5 : Per my conversation with XXXX XXXX, XXXX never called him to see if the City of XXXX would take a second position. 
On XX/XX/XXXX, I reached out to XXXX manager XXXX XXXX. XXXX stated that all I needed to do was submit a copy of the recorded lien release and XXXX statement showing where the funds came from to pay off the lien. Per my request, he sent an email stating the same thing. 
On XX/XX/XXXX, I provided both documents to XXXX. Issue 6 : I received a phone call from XXXX stating it is now a requirement that I have a full home walk through. I specifically asked XXXX on XX/XX/XXXX, if there were any additional requirements, he said no. During my call with XXXX on XX/XX/XXXX, I was told that this appraisal was good for 90 days. I specifically asked about this because I did n't want to pay the $ XXXX and not be approved for the loan. During the call on XX/XX/XXXX, XXXX went on to provide the appraisal amount. He also stated the appraisal had been completed and I would be approved for my original amount of $ XXXX because the appraisal came back higher than $ XXXX. I have a copy of the appraisal that was done on my home dated XX/XX/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 2021-12-14
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2020 I purchased airline tickets from XXXX for travel in XXXX of 2020. XXXX cancelled the flights due to COVID. I contacted XXXX for a refund, which they would not offer. They would only offer a voucher, which I did not want. I then contacted Chase within their XXXX window to enter a dispute. I ended up having to provide documentation twice, spending hours printing, uploading, etc. because they mistakingly started my first dispute with only 1 of the 4 charges and the declined the dispute. The second time I sent the documentation was days before ( XX/XX/XXXX ) XXXX XXXX submitted for Bankruptcy ( XX/XX/XXXX ). Chase declined my dispute in late XXXX of 2020. XXXX entered bankruptcy during the time Chase was reviewing my dispute. I believe they should have refunded me based on the Fair Credit Billing Act. I contacted them today after learning about the FCBA, and they stated that it doesn't matter if they made the error, I am now outside the timeframe of making a dispute and they will not review the case, even though my original submission was made within their time requirements. I have lost out on over {$2300.00}, and I believe Chase at a minimum did not properly review the case, and may have denied my claim knowing they should have approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My father and I have been receiving multiple phone calls from Navient per day, even after speaking with a representative. On XXXX alone I received 3 calls. I told the first rep that I would n't be able to make a payment for two weeks and was told it would be noted in my account. Why then was I called again two more times the same day. My father ( cosigner ) just informed me that he also is receiving multiple calls per day and being threatened with credit reporting. Last week a rep stated that by making a payment, credit reporting would be rolled back 30 days. The payment was made, so why the threats? This has gone on for a couple months now, back and forth, one rep says one thing and another something totally different. Navient refused to allow a repayment plan based on my reduction in income and now the result is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of the Equifax data breach. I went upon the website and I typed in my information and it showed that I was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account with BBVA bank on XX/XX/XXXX & deposited with them {$16000.00}. Their interest rate was good & they promised a {$100.00} bonus if an account was opened before XX/XX/XXXX, maintained a balance of {$10000.00} on XX/XX/XXXX & XX/XX/XXXX. I was advised that the {$100.00} would automatically be deposited to my account. On XX/XX/XXXX, I called the bank to inquire about that deposit as it was not done as promised. I was given a complete run-around, then told they would do it within another 90 days. This was not acceptable & I asked to speak to a manager. I was told that that person would call me with 48 hours. Since it was Friday, I told her that if I did not hear by the following Tuesday, XX/XX/XXXX, that I would take further action. company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After telling AES that my address is no longer at XXXX they continue to send all my paper work there with personal information. I thankfully found out about this! But I 've sent them multiple messages stating this is not my address! I am so glad they are willing to just send out personal information out without care. It is negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An erroneous credit inquiry was associated with my credit report. Because the algorithm that calculates FICO scores relies on the number of inquiries made in the prior 2 years, the erroneous inquiry negatively impacted my FICO score. The inquiry hit my credit report within 3 days of the incident. After faxing the request to remove the erroneous inquiry to Equifax as instructed, I am told it takes 60-90 days for the inquiry to be removed. According to XXXX, whom I worked with on this issue, " That is standard industry practice and there is no alternative. '' In the next 60 days I have to move. The erroneous hit on my credit report and resulting decline in my credit score will cost me money, as the score is used to determine the deposit required on a new apartment. Given the power of the FICO score, it is totally unreasonable for Equifax to take 60-90 days to remove an error when it takes less than a week from an incident for the error to appear. By comparison, it takes only 41 days for Equifax to report its corporate earnings for the entire year to shareholders -- a far more complex task than removing an error from a single individual 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have tried multiple times to lower my payment from my loans, when I first graduated college I was paying near to almost XXXX per month, then they slowly lowered the payment by extending the loan terms but also keeping me at a 9-10 % interest loan. at one point they had me on a program where they lowered my loan payment by cutting the interest in half to help, but after a year I had to re apply after making faithful payments for that whole year, and they denied me for that program. I recently called in to Navient, ant they stated that I do not qualify for anything without even questioning my income or current situation. I am just very frustrated with Navient/XXXX, for how they have treated myself and young adults and should be more flexible because I have had to put my life on hold of buying a house, and causing my credit to crumble at one point because of them not being flexible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
XX/XX/19 - received notification from XXXX XXXX that a hard inquiry was made on my credit report from Bank of America. I am a victim of identity theft, so I know this is a fraudulent attempt to open a card in my name. 

XX/XX/19 - call Bank of America XXXX to cancel the fraudulent application and remove the hard inquiry from my credit report but the only thing they can tell me is that I have no active account, which is true, but that has nothing to do with my request, which is to CANCEL THE APPLICATION. 

XX/XX/19 - call Bank of American again, but once again, they are only able to tell me I have no active account. There is no way to cancel the application itself or remove the hard inquiry, even though I have been able to do this with fraudulent applications opened at XXXX and XXXX XXXX. 

Would like to cancel the application ASAP and remove the hard inquiry from my 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 explanation
Consumer complaint received 2022-04-29
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 XXXX Account Number : XXXX has violated my rights.

15 USC 1881 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: City Enterprises, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Payment was 4 days past due with XXXX XXXX, I was called numerous times daily, while at work. My references were called numerous times daily. I received a voicemail threatening repossession after only 4 days past due. I have paid a year on car, with no late payments. When I returned call to Creditor, I spoke with my Credit Manager. He was rude and Irate. I asked for copy of contract to be mailed to me. He wanted to speak about the payment that i made online earlier. Offered him a reference #. He yelled and screamed at me that if i made my payments on time then he wouldn't have to harass me. Asked him to stop calling my references, especially my elderly mother. He yelled no way, he will call all refs until i pay on time. Again asked him to stop calling my references. He refused. They will not work with you when needed and speak with you like you are stupid and worthless. I regret ever purchasing a vehicle through them. The car is always tore up, the warranty was worthless. I tried to explain that is is hard to pay for repairs and the car at the same time. I was told to either pay on due date or the car will be repossessed. Let him know that I would be reporting his actions to the CFPB and his response was a loud laughter with the reply " Have fun with that ''. Their phone calls are recorded. This happened today XX/XX/2022

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