BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting 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 ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. Equifax and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, Equifax and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 
15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. Equifax and XXXX appear to be failing to maintain reasonable procedures. 
Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation I am entitled to a $ 1,000per violation plus any other damages i have sustained as a result of your failure to follow the law. I have file more than 1 complaint, willful noncompliance can easily be proven as you had a full understanding of the violations after i complained the 1st time 15 U.S. Code 1681o - Civil liability for negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
- After four years of owning my beloved XXXX XXXX, it stopped running during a WI winter, I needed a vehicle so I searched online- I found an SUV with a {$5500.00} sticker price - I had {$5000.00} cash on hand, and was willing to pay in full - Dealership declined as I was short {$500.00} and convinced me to accept a deal that required {$1500.00} down payment if car loan was opened. He pitched a guaranteed increase in credit score, price tag would not change, and any malfunctions would be covered if added on Gap insurance and warranty, all because he could not budge on the cash offer - I left that night, he called me back with a better deal desperate for a car I return via XXXX, car seat in tow - He offered to trade my inoperable car for to shave the cost down. 
- I agreed to the terms and initiated the car loan XXXXXXXX XXXX XXXX - During signing it was revealed the true cost would total nearly XXXX. Which, although I was upset about the hidden fees, I could not refuse due to my need to get back and forth to work and my 18 month old to child care - By XX/XX/XXXX, the truck 's engine went out - I went back and forth between warranty holders, credit acceptance and XXXX XXXX regarding coverage for the vehicle 's engine- this was a three month process - Continued to pay in full for 8 months XXXX - XXXX {$480.00} ~ XXXX paid off - In XX/XX/XXXXXXXX XXXX I was informed Insurance, nor warranty did not cover the costs of the {$7000.00} job as quoted by XXXX- I then called Credit acceptance and informed them that the cost of the repair exceeded the cost of the vehicle and I would like to use the remainder of my loan to acquire a new vehicle. To which they stated they could not help, but I had to continue to make those payments to settle to XXXX debt. Around this time they quoted and reported to the credit bureaus that it was an {$8500.00} debt ( the amount the loan began with ) - During another phone conversation with CAC in XXXX of XXXX, I informed the supervisor that I wanted to surrender the vehicle, to which they denied me the right. 

- In XXXX of XXXX, I called CAC to once again come to an agreement. The associate explained there was nothing they could do and I still need to pay every month. I explained to them that I will not continue paying the nearly {$500.00} bill for a vehicle that hasnt worked in months, so it would be best if they just picked it up. 
- By the end of the month, CAC repossessed the vehicle, closed the account and reported to the credit bureaus an involuntary repossession - After repossession, the vehicle was sold in a local auction - 3 years later, Credit Acceptance is reporting increasing values to credit bureaus, with a balance now exceeding {$9400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase Bank closed my accounts without warning or explanation. Then when I went to get my funds they have refused to release them to me. Basically theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the SAVE repayment plan and submitted my application on XX/XX/XXXX. It was reviewed by Nelnet on XX/XX/XXXX. According to the FSA website, my loan servicer has completed their review of my application. However, when I check Nelnet, it says theyre still reviewing my application. I reached out via phone and email on XX/XX/XXXX. I was kept on hold for too long and couldnt continue waiting. I never received a response to my email. I have tried calling numerous times throughout the month of XXXX to no avail. I am currently on hold as I write this, and have been on hold for 1 hour and 20 minutes so far. 
In the meantime I have accrued even more interest with absolutely zero communication from Nelnet about whats going on and absolutely no help when I seek it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: MARINER FINANCE, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called the company and sad they no longer had it. 
Disputed it with the credit collector and credit bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've attempted on multiple occasions to get customer service on the phone about when my SAVE Plan application will be approved and put into effect. 
Studentaid has already shown my application was reviewed and approved, but Nelnet just continued to sit on it while interest accrues. That's convenient for them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
they have the wrong date and no account number for me to research date should be XXXX  XXXX XXXX and i need a account number to go thru my records XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Original Amount {$270.00} Original Creditor XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed XXXX  XXXX XXXX of XXXX  and Citibank was listed on the schedule when I filed. Citi bank filed a lien on my property XX/XX/. Citibank has never sent a release to the registry of deeds to release the lien despite many calls requesting them to.

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 2023-10-24
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX Sued and Garnished my Wages. I was Court Ordered to pay {$4400.00} by the court by 10 % increments ( XXXXXXXX per month ). However, I paid {$1000.00} every two weeks and had it completely paid off in 2 months!!!!! 

Now the same collection agency is saying I owe an additional {$150.00} " in accrued fees. '' All fees, Court Cost, Interest were already a part of the total {$4400.00} Ordered by the Court. This is predatory collection practices and I want them ( Midland Credit Management ) held accountable!!!! My Case Number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management has called me several times a day for weeks now. They have definitely called more than seven times in a week. They have sent an email threatening to sue me if I did not respond immediately. I have XXXX and other XXXX covered by the XXXX and I am struggling to get back on my feet. My only income is from government assistance at the moment. I am undergoing psychiatric treatment and training to reenter the work force. The repeated calls from various numbers are having a negative impact on my medical conditions. I have records of all their calls on my phone and can prove that they have violated the law by calling me more than 7 times a week. I would like to seek a copy of their records of all phone calls and communications they have sent to me and I want them to cease and desist harassing me for a debt I do not have the capacity to pay. Furthermore I may seek damages against them if they continue to deliberately harass me and aggravate my medical conditions. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Company: MIDFIRST BANK
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Was told about the Assumption Process in XXXX of XXXX. They later told me I needed a Credit Qualified Assumption, as I was attempting to remove my ex-husband from the loan. Was told it would take 30 days, then 90 days, then 90 more days as the paperwork had to be sent over and approved by the FHA directly. I filled out the XXXX XXXX packet multiple times. I could never reach or received a reply from the person listed in the paper work, XXXX XXXX. I was consistently threatened in the paperwork language, that my application would be cancelled, if information that was mailed out to me were not received back in 15 business days ; despite it often taking 15 days to arrive to me. No guidance on how to complete the paperwork, what they were looking for regarding " buyer '' and " seller '', constantly asking for my ex husband to sign documents ; despite me providing them the XXXX XXXX stating that he had " no interest in the home ''. It was a nightmare, and I could have been held in contempt of Court due to them not completing the process in a timely, honest and professional manner. Process wasn't complete until XXXX. They even send me a letter stating the they could not complete the process because I had not yet made that particular month 's payment ( I had until the XXXX before a late fee would even be processed ). I had been paying the Mortgage independently for more than 12 months. They charged me {$550.00} to drag out a simple process, not provide support and lie regarding the FHA having to approve the process. It was way worse than obtaining the mortgage from the beginning.

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 2023-10-24
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was reached out to by XXXX XXXX, on XX/XX/2023 through a written letter. The letter said I owed {$1400.00} to the company. However, I have no affiliation with XXXX, and when I called Customer Service, the account number mentioned in the letter was not recognized by the system. 

I received a text message from XXXX XXXX on XX/XX/2023, and on XX/XX/2023 about collecting the debt. 

When I checked by credit score on XXXX there is no mention of this debt, which is why I believe this debt is fraudulent or someone has possibly stolen my identity. 

I sent a letter to XXXX and XXXX XXXX. I will also be filing a complaint with the XXXX  XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
JPMorgan Chase is violating consumers rights. 
No matter how small or large a check deposit is, they tell you about a 3-4 day. When the make available date comes, they again applied up to two additional weeks. 
I have had this encounter with them about 3 ( three ) times. 
Checks as little as {$200.00} to {$10000.00}. 
I belive they are in violation of consumer law. 
The CFPB needs to look into this. This is happening to millions of customer across the country. 
They can't cash a {$200.00} check for a customer but can sggord to pay the CEO XXXX XXXX XXXX XXXX XXXX XXXX salary at the expense of the consumer. 
What a shame and disgrace JPMORGAN CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Prosper Marketplace, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Complaint Against XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated. 

On XX/XX/, I discovered that XXXXPROSPER MARKETPLACE INC had sold my debt to XXXX XXXX XXXX and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive. 

I am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that XXXX XXXX XXXX XXXX have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXXPROSPER MARKETPLACE INC may have violated the FCRA by inaccurately reporting my debt after reopening the account. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation. 

In addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities. 

I appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information. 


Sincerely, 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 explanation
Consumer complaint received 2023-10-25
Company: CITIBANK, N.A.
State: CT
Product: Credit 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:
I landed at XXXX airport on XX/XX/ around XXXX XXXX. I went to taxi stand to get ride to parking facility. I ( stupidly ) got in a XXXX XXXX that had an XXXX tag and the guy did he could take me. He said it cost {$30.00}. I gave him my card. I didnt get a receipt. He didnt disclose terms and conditions. My XXXX statement on my Citibank Costco XXXX had a charge for {$2000.00} to a vendor called XXXX XXXX XXXX XXXX XXXX. Citibank says since I used my chip I am responsible. BTW- if you try to find the XXXX XXXX company, there is no info. If you call the phone # it is disconnected. I asked Citibank to ask the vendor for a receipt. Maybe ask them to prove that I charged something instead of asking me to prove that I didnt charge anything. I have called them 7 times and spent hours trying to resolve 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This is it! I couldnt open a bank account after I had two or three of my previous bank accounts closed due to overdraft or fraud. Last week I tried to open XXXX account I was declined, they sent me a letter stating that the decline was based on the information obtained from a credit report agency known as XXXX XXXX XXXX. Please help 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