BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called to check my final dispute on some items that did not belong to me and spoke with a, rep at Equifax she told me that the conser affairs dept had my information and it was locked they could not access it so ask why she transferred me, this department was rude, hung up on me and told me they would not have discussions about my credit report and that every thing I disputed was added back to my credit report, I filed a, police report and sent to Equifax to go with my disputes every thing was taken off but re added I try to explain to the consumer affairs dept but they treated me like a, criminal I told them that I had identity theft problems and they needed to take these items back off they said there not going to do it I ask why am I being sent to this department they actually told me because I was disputing so many times on information that did n't belong to me they said I had to deal with them, I have been treated with disrespect, rude, hung up on very unprofessional attitude, they would not take these items I already disputed back off XXXX bankruptcies that did n't belong to me I even have addresses showing up that i never lived at and other accounts I never had, this department is bad on customer service and would not help when I told them I filed a police report they did n't care I even sent Equifax a copy I called a, liar no supervisor has called me back on this I want this resolved and my information. Taking fro this department all because I 'm disputing wrong information on credit report I 'm treated badly I want help and I want to deal with the, regular customer service about my credit report not consumer affairs dept, I want a resolution to this I will be filling with other agencies, I ca n't believe I got treated badly because I was just disputing my credit report because I experienced identify theft this, department needs to be talked to I Wil attached documentation showing they re added these items back after I disputed them off and I have the documentation and still called a liar by that department thus, document will show that my disputes were added back after being taking off by me after 30 days please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: ALLY FINANCIAL INC.
State: TN
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 was shocked when I reviewed my credit report and found late payment on my payment history from your company I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2023-01-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  {$0.00} - - -No Data Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Phone number not available Date Opened XX/XX/2015 In 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 an 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 2021-12-29
Company: EQUIFAX, INC.
State: AL
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 AM A VICTIM OF IDENTITY THEFT. SOMEONE OBTAINED MY INFO AND OPENED ACCOUNTS IN MY NAME. THIS IS CAUSING ME SO MUCH HRDSHIP. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I faxed a letter to Equifax asking for this creditor " XXXX '' to be validated and removed off my credit report which I faxed on XX/XX/2017. I then called the next ( XX/XX/2017 ) business day to make sure it was recv 'd via fax and I spoke with off shore representatvie who told this was removed ( I asked her more than twice she said hold on researched and said " ma'am this is no longer on your credit report '' ) from my report so I assumed it was from my dispute I sent. I then asked her again she yes it is not on the report so my call ended at that point I assumed it quick due to being faxed. I then called back because I did n't feel confident about what she told me and got another off shore rep who told me it was not then I got aggravated so I asked for a supervisor. Next I explained to the supervisor what information I was given she then apologized but I told her that is not fair to me due to asking her more than once is that was correct. Then the supervisor wrote this up and I advised her that this creditor I sent them a letter and enclosed a copy of drivers license & social security card ( which I sent in error it should have just been the letter ) in error and XXXX on my part. I am upset about being given the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
RE : STUDENT LOANS NAVIENT Reported : XXXX. XXXX, XXXX {$19000.00} In good standing NAVIENT Reported : XXXX. XXXX, XXXX {$28000.00} In good standing NAVIENT Reported : XXXX. XXXX, XXXX {$15000.00} In good standing As per my recent email with CFPB I indicated that NAVIENT agreed to remove me as a comaker/cobuyer as of XXXX when I turned XXXX .... as per a recent email from XXXX their was an acknoledgement that this is being done, i misplaced the email, only way i can retrieve if i do a system restore, nonetheless I need all three loans removed from the 3 major credit bureaus, my son XXXX is paying these loans on time. I am XXXX and I just want Navient to make good on their promise. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus Equifax, XXXX and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX XXXX XXXXXXXX confirmed payment for date of service XX/XX/XXXX. A complaint was previously filed CFPB complaint ID # XXXX and EQUIFAX, again submitted a generic response without investigating the complaint. Equifax has been provided with documentation supporting removal of the two collection accounts from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
on XXXX/XXXX/16 I filed a dispute with Equifax about the above case # s. XXXX XXXX and XXXX the results ended in that the accounts balance was verified. I sent Equifax a copy of the receipts that the collection accounts have been paid. This indicates that Equifax did not even verify the document that I sent was correct. Equifax , XXXX and XXXX is reporting incorrect information. XXXX XXXX and XXXX XXXX will not update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, SD XXXX branch and headquarters owes me a {$50.00} refund after I paid {$50.00} on a pre-pay debit card that was never applied to my account and closed by Wells Fargo in XX/XX/2020. I was told by the Wells Fargo XXXX ( XXXX ) XXXX customer service number a {$50.00} check would be mailed, and should arrive in early XXXX and it never did arrive, only Wells Fargo Card Services billing statement showing - {$50.00} charging my bank account frivolously.

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 2021-12-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by Experian. My last few complaints were about the removal of inquiries as a result of identity theft. After a few complaints submitted, all inquiries were removed from my credit report as per my request. Because Experian has admitted that their practices are in fact abusive and deceptive by deleting the inquiries, they are liable to compensate me pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' This U.S. Code was used when disputing the inquiries on my credit report and the inquiries were successfully removed. Experian admitted to their unlawful practices and is legally liable to compensate me with monetary remedy for the damages done to me. I have sent several rounds of letters with invoices included. Please compensate me for the damages done.

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 2015-07-07
Company: Urban Settlement Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX failed to post my mortgage payment. I was notified via telephone by an agent of Walled Lake Credit Bureau , LLC, that I was delinquent on my mortgage payment and they demanded payment. I contacted XXXX and found out that they had made an error on posting my payment. The matter was cleared up. I again received phone calls by agents of Walled Lake Credit Bureau demanding payment. I explained to them it was a banking error on the part of XXXX. They refused to accept this explanation and demanded payment. On the next phone call and every phone call afterwards, I disputed the debt and requested copies of their records substantiating this alleged debt. They refused to provide anything. I received correspondence via US Postal Service from Walled Lake Credit Bureau ( WLCB ) LLC, XXXX XXXX XXXX XXXX, Collection Manager, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX stating that I was delinquent on my mortgage payment and they were demanding payment and penalty fees. I again contacted XXXX and again they told me that I was current and had no idea why these people were continuing to harass me. On every notification I received from WLCB, I immediately responded in writing that this Debt was " in dispute '' and requested copies of their documentation substantiating their clients claim. Each and every time, they refused to co-operate and send me my requested copies of their records. They kept telling me to take it up with the client ( XXXX ). Each time I contacted XXXX, they stated that I was current and had no idea who or why these people were harassing me. This practice continued for several months. On XXXX XXXX, 2015, I sent WLCB, LLC a letter notifying them that I believed they were violating my rights and that they are dealing in bad faith. My letter clearly stated : " I need to hear from you regarding this matter so I can bring closure to this matter. If I do not hear from you, I will be forced to exercise my lawful rights. '' To date, they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: BMW Financial Services NA, LLC
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 XXXX on my Account has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy.

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

15 USC 1666B - A creditor may not treat a payment on a credit card / loan account under an open consumer credit plan as late or any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My interest rate has done nothing but go up and I feel I am being taken advantaged of at 12.12 % interest rate. This was for college. Navient has refused on previous attempts to refinance. As a student with no loan knowledge, things were not properly explained. Nor have I received any notification as to why my interest rate keeps rising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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: Information belongs to someone else

Complaint:
I've attached document of the inquires that were not mine. I don't know how they got onto my report however it is incorrect. It's negligent of the credit bureau not to remove these even after I showed them proof it wasn't mine. On the other hand they've provided zero proof that it is mine. I've tried contacting the companies but they didn't answer me. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After making 3 wire deposits from XXXX on XXXX XXXX, XXXX & XXXX and sending 3 wires on XXXX XXXX, XXXX & XXXX to resolve business legal problems Chase security restricted my account on XXXX XXXX. I had spoken with Chase security at length about this on the XX/XX/XXXX. I was told nothing would be allowed in or out of my account and it was being closed. Chase proceeded to accept my payroll check LATE on XXXX XXXX. Chase also has not accepted to pay my final check number XXXX to XXXX XXXX XXXX for {$61.00} even though there is enough money in the account to do so. I spoke with Chase customer service on XX/XX/XXXX asking when I will receive the balance of my funds and if they will pay my final check which I mailed on XX/XX/XXXX. They will not release my funds I am told until they compete an investigation even though by their words should have never accepted my payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Yield to High Deposits, Rewards, Missed Deposit and Reserves Prompted Balance Precision Balance Amounts XXXX XXXX, XXXX to XXXX XXXX, XXXX Balance {$75000.00} Receipt deposits {$12000.00} to XXXX Balance {>= $1,000,000} Deposits Credit though not in receipted {>= $1,000,000} to {>= $1,000,000}, {>= $1,000,000} BOA Revenue and Reserves Balance {>= $1,000,000} XXXX to XXXX XXXX XXXX and Reserves Balance {>= $1,000,000} At account opening interes computation on interes is calculated on combined account from checking and saving Bank errors are found on interes computation yielding is daily can not presumably tune to XXXX XXXX 366 days and is contradiction to 12 months APY computation notion Actual Rate interes on receipted deposits base on relationship from XXXX to Present, XXXX {$12000.00} to {$40000.00}, should come out to not below 20 % daily Beside prompted and position Bank of America to become number XXXX twice in prior 10 year with net reserve BOA {>= $1,000,000} aggregate balance $ XXXX {$700.00}, {>= $1,000,000} Daily Interes sum on combine account deposit is $ XXXX and even applying your so call XXXX formula yield $ XXXX/daily multiply to 130 days yields $ XXXX yield come to $ XXXX multiply to XXXX cycle is {$25000.00} month, Minimum 3 times breach fees apply from XXXX to XXXX {$75000.00} Base on not applicable concealment, not adequate notice and yield breach trend from deposits {$12000.00} to {$40000.00} on 12.5 % ( {$340000.00} ) ( XXXX ) {$540000.00} ( XXXX ) = {>= $1,000,000} Itemized cyclic computation from initial cycle interes on combine accounts is {$1600.00}, from initial date XXXX XXXX, XXXX, .04 % ( XXXX ) {$1400.00} and XXXX XXXX, XXXX, .04 % ( XXXX XXXX {$200.00}, Second Cycle sum is {$46000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$700.00} and XXXX XXXX, .04 % ( {$38000.00} ) {$45000.00} Third Cycle total is {$42000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$34000.00} ) {$41000.00} Fourth Cycle sum is {$39000.00}, XXXX XXXX, XXXX, .04 % ( {$30.00} ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$33000.00} ) {$39000.00} Fifth Cycle Sum is {$39000.00}, XXXX XXXX, XXXX, XXXX ( XXXX ) {$38000.00} XXXX XXXX, XXXX, .045 % ( XXXX ) {$470.00}

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 explanation
Consumer complaint received 2021-12-29
Company: Bilateral Credit Corp, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My last day with XXXX should have been XX/XX/2021. 

Due to some internal technical error I kept receiving a full pay check. I believed the check dated XX/XX/2021 was my final check. When I continued to receive checks I notified my XXXX  team lead, manager, and XXXX members of XXXX. This continued until they had direct deposited over XXXX. 

I make the following claims XXXX : I never entered into a written agreement with XXXX  for them or their assignees to be able to make any claims against my credit score XXXX : I maintain that I did my due diligence in reporting the technical issue to XXXX as soon as I realized there was a problem. Their inability to correct this issue is not my fault and I in no way should be liable for their mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Over the years I have paid thousands of dollars, only to continue to have the same remaining balance. When I would call to ask why this was happening. I was told my interest rates are variable. I find it extremely convenient for Navient that my interest varies every month to prevent me from paying off my balance. If this continues I will pay off 3 times or more what I borrowed for my XXXX degree. I have also tried to consolidate and get fixed loans or offer a large lump sum payment to settle and I was told that is not an option with Navient. Something does not seem right with there accounting and as someone who does n't know the in and outs of my loan calculations, I tend to take what they say I owe for face value. I feel cheated by there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America has charged me overdraft fees and should not have. They have withheld funds to my account in order to charge me these fees. The account balance is always appears to have positive balance but the bank will make it negative. I am sick of this.

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 2017-01-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I retrieved my credit report five days ago. Among other things, I found that someone has posted to Equifax two almost identical entries that I owe to someone {$44.00} each. The person who posted those entries did so anonymously. I do not know who did that. I do not know to whom I am supposed to owe {$44.00} twice.

Company response to consumer: Closed with explanation