BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: TX
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:
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hyundai finance have lost car payments then falsified documentation. I went paperless so they go on the website and erase change and do Whatever to make their company right! Nothing but fraud. I have attempted on many occasions to get this situation taken care of since XX/XX/2020. I cant even get a supervisor to call me back! Ive put in a complaint after complaint they just close them and not even notify me about anything Little loan Do any investigating into the matter.

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 2017-01-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am currently XXXX, recently single, and unable to work. I have no income. The company refuses to allow me to defer my loan so I am not in danger of defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I recently applied for a Bank of America travel rewards credit card since they were offering a promotion as per attached snapshot. I got approved and spoke to Bank of America support rep and to my dismay Bank of America web site is extremely misleading and specialized in wasting valuable customer time. I have been banking with BOA for last 20 years and my experience with BOA is getting poor to worst ever. 
A per BOA web site you get XXXX online bonus points after you make at least {$1000.00} in purchases in the first 90 days. Redeem your points toward travel purchases. As per customer support rep I spoke to this promotion applies only to retail purchases and BOA purposely exclude these disclosures in their web site as per link below. Also BOA did n't mention that travel bonus reward points will be awarded after 90 days of spending {$1000.00} in their web site which is misleading as well. I am planning to travel in XXXX and planning to spend {$1000.00} as soon as I received the card. Since these discolosures are not there in the BOA web site they should credit XXXX online bonus points as soon as I spend {$1000.00}. When I made this request from BOA supervisor she hangs up the phone and XXXX mins I spent on the phone with BOA is a waste of my time. 

Here is a link to BOA travel reward credit card and I have attached a snapshot as well. 
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 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a lower interest refinance from Bank of America. I was turned down. The only answer I was given on the phone was I made too much money for my area, which is XXXX, Idaho. My interest rate is 8.375 %. My house payment is {$830.00} a month. My credit score was good. I am on Social Security, my only income, and earn {$1700.00} a month. After being turned down, I was not eligible to try somewhere else. I am still paying my mortgage to Bank of America. I do not think that President Obama knows how the big institutions are still ripping off the middle class. Someone needs to go over the loans that were turned down and see if B of A is still ripping off consumers.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX have 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 non-monetary relief
Consumer complaint received 2017-02-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a detailed description of the problem saying how the collections company contradicted itself several times and among the many mistakes, the collections company had the wrong address of my person. Experian just said they updated the case. It seems they did not read the complaint to have the collections deleted. I later found they " updated '' my official credit file with the incorrect or nonexistent address from the collections company. Experian just seems like it is there to help the companies and collections and really did not read the case at all. Then they updated the wrong residential address in my credit file from the incorrect information from the collections company. The original purpose of the dispute was to DELETE the collections report because they had wrong information and made a large number of reversals and contradicted themselves several times. For example the collections account repeatedly said I did not owe any money before. This case was TOO COMPLEX for Experian to read and they punched in things in their keyboard without thinking of what it was about. They thought they were doing good work by entering a WRONG ADDRESS in my official credit file that I told them the collections company had wrong in their records. I was trying to DELETE A COLLECTIONS REPORT. That was the primary responsibility of Experian for the consumers!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been unemployed from my job since XXXX XXXX, 2015 and I sent in Documentation to Navient indicating that I was let go from my job because they laid us off. NAVIENT gave me a two month deferment. SO recently I sent them a fax for an unployment request and they denied me. So unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My accounbt has been attacked by a company multiple times ( 8 ) in one day and multiple times ( 19 ) over the last few months especially. It happened also, a year ago and the compnay changed their name and did it again. There was XXXX company names that have tried to withdrawl ACH debits out of my account doing multiple times with less and less amounts at least 3 times in one day upto 8 times in one day. Each time I found out, I have called the Navy Federal Credit Union and they tell me to send in the request form to receive the return item fee charges that they have charged me each time it occurred. In the last 3 months, I have been charged {$550.00} in return items costs. I have faxed in the forms, and they tell me they did n't receive them. I went into the branch on XXXX XXXX, 2015 and they filled out XXXX forms for the charges and turned them into the deptartment that handles that amount. They refunded me {$200.00} and told me they were not going to give me the rest. I worked with XXXX and he said that he would get me the funds back, but now, on Monday XXXX XXXX, 2015, he said they ca n't. I then requested the reason for denying me in writing and they have refused. I went into the Branch again on Tuesday XXXX XXXX, 2015 and spoke with the Branch manager, XXXX XXXX at the XXXX, VA XXXX and when I requested again in wrting for the refusal to refund me the fees that they took from my account for a fraudulant company trying to ACH debit my account repeatedly after I had made numerous calls and attmepts to stop this, she said they were still researching it and it would take upto 3 weeks, if they determine to give me the fees back. I requested the elecutronic transmisions from all the attempts made on my account and she told me that there is n't anything to give me. When I told her that they needed to abide by the Regulation E. Electronic Fund Transfer Act, and return the fees to me, because I never authoized that company ( s ) to debit my account, she told me that the law did n't protect consumers against the fees incurred by the fraudulent attempts on my accout. I have re-read the law, and it clearly outlines protection for consumers against the bank fees that are incurred with fraudulent debits. They clearly felt I had fraud against my account ( by returning {$200.00} into my account ), but are refusing to refund me all that was incurred ( another {$340.00} ) with these transactions. I have notified them via, phone, fax and in person, as soon as I knew about the attempted debits starting in XXXX 2015, but they still refuse to follow the law. I really would like someone to make sure that they do n't continue to act as though no one can make them follow the law and enforce regulation on them. I want the rest of the fees of {$340.00} returned back to me asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
For years I have had multiple companies attempting to collect a debt that I completely dispute from XXXX. XXXX companies, which I think are working together have contacted about suing me for the same debt and one, collection associates has placed a collection on my account. The other, XXXX is trying to sue me and refuses to validate the debt. Neither Collection Associate, XXXX XXXX, WI XXXX, nor XXXX will verify that they are authorized to collect this money from whomever it is owed, Showing the actual debt, payments and interest with a REAL signature not computer generated, I have read people generate signatures do re time debts, and make up payments to re time debts, Where is my signature? Who is the original debtors, and the paperwork saying they are an assignee. Collection Associates never replied, just put a collection on my account, I think to cause me harm, can I sue them? And XXXX NEVER sent paperwork, just called at all hours, and I should " pony up '' because they are connected in wisconsin, they work for the state and city of XXXX as tax collectors, so, and I quote, " who will they take on their merits. I am from illnois, and I am wondering are these two companies working together? Can you investigate a connection? They have been blocked, but continue to call. They need to verify this debt, stop threatening me, and stop ruining my credit out of spite? How can XXXX different companies collect the same debt, sue me, and ruin my credit. 
They have not, and will not- Produce legal information on if they are indeed legally able to collect money. 
Produce my signature Prove that whoever 's debt this was is not being retimed. Collection Associates sent me some paperwork without signatures from XX/XX/2007, so is this even in the SOL? 
Payments, communications, signed agreements that ME. XXXX, signed. Please help me they are trying to ruin me and I think they are working in together, why would one have a XXXX , and coincidentally be from the same place. They are using tactics to call me day and night, they are intimidating me by saying they work with the state and city ill wisconsin where they are from and I am not, I live in illnois and know no one from the state, they will not verify and from what they are telling me they will win. This is unfair, I need the collection taken off and can I sue them for unlawful acts, fraud, intimidation, and even forgery if that is shown by paperwork? 
Thank you, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Paypal Holdings, Inc
State: IN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I was tricked into signing up for Pay Pal credit when I just wanted to buy something using Pay Pal I want to just payoff and close account but I want them to remove the inquiry from my credit report and I cant payoff the charge since the charge is still " pending ''. I just want to pay-off and close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: CASHCALL, INC.
State: IN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The interest was XXXX apr. and would get paid down to around XXXX they would reloan and back to the full loan value which was XXXX plus their interest. We ended up paying it off the loan value paid was around XXXX. Which started out yo be XXXX. Was notified that the place could n't loan in the state of In. not for more than XXXX. Cashcall is the name of bussiness calling to try to collect money back. Then it went into XXXX, Then it went into XXXX XXXX then we got in with XXXX XXXX and made payment arrangements to pay it off thru them. It 's paid in full but XXXX say 's they need their money. What step can we do to get our money back. Thanks XXXX XXXX e-mail me with the answer or call XXXX and talk to XXXX XXXX which handles my finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Your company is reporting this account as opened in XX/XX/XXXX. This account was closed back in XX/XX/XXXX. You keep selling to other companies and restarting the open date to stay on my credit report. Please send verification showing that your dates are correct. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04
Company: Mount Olympus Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
As part of a Federal Housing Administration based re-finance in XXXX XXXX with our lender for my home and investment property, my mother and I would incur five years of mortgage insurance during the beginning of a 30 year fixed loan with a 3.75 % interest rate. To get my mother and me to agree to this re-finance, on XXXX XXXX, XXXX, our lender promised in writing to pay for the last 17 months of those mortgage insurance payments, from XXXX XXXX, XXXX through XXXX XXXX, XXXX if this loan still had mortgage insurance on XXXX XXXX, XXXX. This re-finance was our XXXX with this lender on this same property, and the lender 's promise was the XXXX of its kind. However, this is the first time for the lender to honor one of these promises. 

In XXXX, XXXX, I asked the lender whether they would honor their promise made during the XXXX re-finance. In response, the lender indicated it would not, and refused to agree that it had even made a binding promise. In addition, the lender gave me a document to sign as part of an effort to resolve our dispute, that said that the employee representing the lender during the XXXX re-finance was a " rogue employee ''. My mother and I refused to sign. In fact, we had worked with this same employee on the lender 's behalf throughout all three re-finances of our property. 

Because the lender attempted to have my mother and me sign a statement that stated this employee was a rogue employee, on XXXX XXXX, XXXX, I asked the lender some questions in writing about that employee 's representations on the lender 's behalf during the XXXX re-finance, and requested that the lender answer those questions by XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the lender sent me a letter acknowledging receipt of multiple correspondences. However, the lender has still not provided responses to the questions as of the time I filed this complaint. On XXXX XXXX, XXXX, I asked the lender whether it intended to answer the questions sent on XXXX XXXX, but received no response as of the date of filing this complaint. 

Additionally, on XXXX XXXX, XXXX, I asked the lender to provide the signed and notarized re-finance documents for the XXXX, XXXX, and XXXX re-finances of our property. I am concerned that the lender will not provide this information because it has already not answered our first set of questions and not indicated whether it intends to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Issue: Rewards

Complaint:
I applied for a Chase Freedom Card that pays 1.5 % back and was turned down for down for the card for some reason. I called Chase on XXXX at XXXX and spoke to a representative. I specifically asked the lady if I could change XXXX of my current credit cards over to the new Chase Freedom Card and still get the {$150.00} credit applied to my account if I spent {$500.00} or more in the first 3 months of having the card and the lady told me I could. 
Chase then mailed me the new card and I in fact spent {$500.00} and more in the first 3 months. Around XXXX, I called Chase to find out Why I never got my {$150.00} credit. They told me I could not get the {$150.00} because my account was not new. I told the person I spoke to what the lady had told me about being able to get the {$150.00}. 
The lady referred my complaint to marketing and said they would be back with me in XXXX to 10 days. I never heard back so on XXXX XXXX, XXXX, I called Chase again. I spoke to a supervisor who reviewed the marketing departments findings and he even told me they had reviewed the phone call I made on XXXX XXXX, XXXX, and found where their employee told me I would get the {$150.00} as a statement credit if I spent {$500.00} or more in the first 3 months of the account being open. However, he told me this was a mistake by their employee and they had no way of giving me the credit since my account was an existing account since XXXX. So, even after finding I accepted the new card based on what I was verbally informed by their employee, they would not honor what I was told! I feel this is very wrong and is most likely illegal, as a company as large as Chase MUST stand behind what their employees inform customers! Further, it appears that Chase is willing to take better care of a brand new customer than a loyal customer of 24 year which is very, very poor business! If chase ca n't honor and stand behind what their employees tell customers, I will NOT be a customer for much longer, as they have violated my trust and banking is based on trust!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have already filed this compliance which they said they would investigate and they have not. XXXX Synchrony Bank has done massive damage to my credit report by closing multiple accounts with no late payments affecting my credit ratios by XXXX XXXX XXXX XXXXhe last one was my Lowes Card which specifically stated it was closed with a balance because of XXXX past due mortgage payments which has since been corrected on my credit report. I asked them to reopen the account or at least open a new open with the same limit or difference between the limit and what was owed on the other. A representative reached out to me and that is all she did she stated she would look into this and figure it out and then I was ghosted. They have since denined any application from me. I will seek legal action If they refuse to fix this situation.

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