BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: CA
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 reporting act. The list of accounts below has violated my greatly protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-08-15
Company: The CBE Group, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased XXXX XXXX phones for my XXXX sons to use. Their dad had died and I needed to be able to communicate. A couple months the bills were fine. Then I received a high bill. I called XXXX and the rep signed me up with protection plans on both numbers so there could not be data overages again. The rep set it up for me over the phone as I do not own a computer to do it on my own. The next month I got a bill for {$2000.00}. I called and I was told protection was not on both phones. I told them I was being charged for it on both. In the end I spoke to reps for over 6hrs. I was told it was a glitch and they 'd fix it. They never did. XXXX told me to contact u.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit Acceptance threatened with repossession of vehicle after not properly documented payment payment arrangement. Customer Service representatives use tactics to mislead and violate consumer rights under the debt collection act.

I made a payment arrangement that was inputted by the customer service representative when I checked account on line I discovered incorrect information, action was taken by calling Credit Acceptance Corp and the representative lied mislead and threatened with repossession. This predatory lender also did a bait and switch when the car was purchased and did not disclose the vehicle had after market parts. Overall I have spent a large amount of money to maintain the vehicle which I was forced to purchase because of the approval process with the loan company and car dealership. At this point the vehicle has cost double what I intended to spend in the long term and now I am in fear of loosing my vehicle and damage to my credit profile.

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 2016-12-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i fell behind on my mortgage due to a loss of income. i then contacted wells fargo to try and see what i can do to save my home. i have applied numerous times before to try and get a modification to possibly lower my monthly payment and interest rate and be brought current. NO ONE WILL HELP! i keep getting denied and this last time on XX/XX/XXXX they denied me bacause i did not have my income taxes done that i was not eligable and now i have a sale dat on my home on XX/XX/XXXX! I DO NOT MAKE SUFFICIENT INCOME TO FILE TAXES! please help me save my home!

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 2022-11-15
Company: ENOVA INTERNATIONAL, INC.
State: TN
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:
Net Credit Financial claims that I had opened an unsecured loan with them on XX/XX/2021 in the amount of {$3100.00}. This I am disputing because I did not open the account and when contacted, they have the wrong information on my address of residency. The account was obviously opened without my consent and knowledge therefore is fraudulent. I have tried numerous times to sort this out with Net Credit but to no success, I have reported this to my local law enforcement agency, XXXX credit bureaus, district congressman, and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I specifically told Bank of America Representative XXXX XXXX on XXXX/XXXX/2016 at XXXX to stop calling our place of employment and I told him they would be turned into the FTC of they called again. Yesterday XXXX/XXXX/2016 another representative from Bank of America called our place of employment for my wife and today a representative named XXXX called for me at our place of employment. They were already warned they would be turned into the FTC if they contacted me at our place of employment. I have XXXX XXXX 's phone number at 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 explanation
Consumer complaint received 2015-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband is XXXX. He has XXXX and XXXX. We were granted a mortgage in XXXX with XXXX XXXX Loans. When we went for closing we were told that we would be able to keep our mineral rights and were made to sign them over to them. They then sold our account to CountryWide Home Loans. CountryWide was bought by Bank Of Ameria. 
XXXX of XXXX Bank of Ameria told us our hoas was in Forclosure Status and asked us if we wanted to keep our home. We told them we did and they advised us to fill out a lot of forms from the internet and fax them. Meanwhile the Bank of America representative that was assigned to our case, accepted a different position within their company and we were assigned a new representative. This representative said she never received any of the files that I had faxed and would I re-fax. I then received a call a few weeks later saying they never got the forms. I re-faxed and called to see if they received the forms and was informed that my representative had changed and leave a message for a call back. I left a m essage and the representative returned my call and said that the forms were received but I missed a couple of items on the form. She mailed me the forms to fill out and she highlighted the areas she said that were not filled in. I fixed the error and re-faxed them to her. A week later I received a call form another representative saying that it was too late for my case because I now owed too much on the loan for a modification. A couple of weeks later I received a call from another representative asking if I wanted to keep my house? I said yes. They started the process over from the beginning. They assigned us a new representative who calls and says we can appeal. We go ahead with the appeal process only to be told we were denied because of incomplete paper work. We then receive another phone call a few weeks later asking if we wanted an appeal? We said yes only to be told again that we were denied. This process continued until XXXX of XXXX. XXXX we were contacted again and told to fill out more paper work.

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: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navy federal credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used my synchrony XXXX XXXX  card to make a purchase at Ashley furniture store. I ended up receiving a refund from Ashley furniture store on XXXX back on this card in the amount of XXXX. The card balance had been paid off for sometime now. So I did not owe anything. I chatted with synchrony on XXXX requesting a refund by check. Was told sure and that Itll take 7-15 business days. Well here we are XXXX ( 15business days later ) and no refund check. Have emailed asking and was told it was mailed on XXXX. I would like my refund as soon as possible as Ive waited the XXXX business days Also I called them again XXXX was told it was mailed XXXX not the original date I was told of XXXX so the XXXX business days will be XXXX. Here we are past the XXXX and no refund check! My synchrony XXXX XXXX has been paid off for some time now. XXXX store has already refunded me on my synchrony card for an exchange on XXXX. So now its up to synchrony to return my money. This is money owed to me and I would like my money asap. How hard is it to return money thats owed? Whats the hold up? Why tell people 7-15 business days for refund to arrive when it clearly wont? Will not use synchrony for anything again.

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 2022-11-15
Company: CITIBANK, N.A.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years

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 2016-08-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a complaint with a company that is no longer in business, XXXX XXXX XXXX and with the servicer of my loan, Navient. 
I graduated from college in XX/XX/XXXX with XXXX fed loans totaling {$91000.00} at 8 % interest. 
First 2 years I had deferred my loan since I was starting out in practice and not making a lot. I started paying the loan for 2 years. In XX/XX/XXXX I was advised to consolidate and start in an XXXX ( income based repayment plan ). The XXXX is a plan you pay for 25 years and after the 25 years the remaining is forgiven. This was with XXXX. 
I started with this plan and was paying into this program. 
In XX/XX/XXXX a third party company contacted me XXXX XXXX XXXX ( XXXX ) and told me since I was a XXXX working in the public and providing public service I would be qualified to sign up with the PSLF program ( Public Service Loan Forgiveness Program ). 
This is an IBR program where you pay for 10 years and then what is left is forgiven. 
They connected me with Navient and both companies agreed and assured me that I was in this program and I was well qualified. I also contacted the Fed loans servicing department and asked if I would be qualified for this program and over the phone they told me yes so I signed up with this program with XXXX and Navient and paid XXXX {$1000.00}. 
Last year I contacted Navient to confirm I was in the program and how many years I have left and they told me I was not in the PSLF program ( I did n't qualify because I am not a non-profit ) and that I had started over with the 25 year IBR program in XX/XX/XXXX when I switched to Navient. They had never told me I needed to be a non-profit or a not-for profit, just that I had to be in the medical field working with the public in a depressed area. 
Even the Fed Servicing Dept had asked me several questions and assured me that I was qualified and never asked if I was a non-profit. They just asked my specialty and if I work with the public and provide public educating. 

Now I should have 13 years of 25 credit paying into the IBR program but I only have 2 years credit. I have lost 11 years of credit. 
I feel that I was tricked, misled and lied to about this program. 
When I tried to find XXXX they are out of business because of fraud and scams. 
I began with {$91000.00} in loans, I have paid close to {$90000.00} over the years and I still owe {$190000.00} right now with the 8 % interest. I feel trapped and with no end. 
I feel that Navient should be part responsible for agreeing with this XXXX and they should give me back the 13 years of credit I should have with the IBR program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This was a medical bill for when I was still a minor under my parents care. This should not be on my credit score since I was too young to even have a job.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-08-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XXXX of 2016 I was a victim of credit card fraud. I reported the fraudulent charges to Wells Fargo Bank. Wells Fargo took a report, canceled the credit card and told me they would issue me a new card. I later received a document stating that the claims and transactions I disputed were verified by Wells Fargo to be not allowed by me and they were removed from my credit card balance. I still had not yet received a new card and was also not able to access my credit card balance online nor make a payment. Around XXXX XXXX of 2016 I contacted Wells Fargo after receiving a letter stating that I needed to make a payment towards my account balance. I was transferred to XXXX different people who were all having trouble even locating my account. I told them I was unable to see my balance nor make payment and had not yet received a new card. Finally, after some time they said the problem was that they had not issued me a new card, and once they did that account would be accessible online and I could start making payments once again. I disputed the late fees and charges due to not being able to access nor gain information my account, but we never came to an agreement on those charges. Today, XXXX XXXX, 2016 after still not receiving my new card and still not able to access my account, neither online nor via phone ( when I tried to access it via phone I would received an automated response stating " We 're sorry we can not continue with this transaction '' and then I would be disconnected. After speaking to XXXX different people I was finally informed that my account had gone into collections even though I had not yet received my card not had access to my account as was promised to me by Wells Fargo. I tried to handle this matter and yet the things that were agreed upon on Wells Fargo 's end never came to fruition.

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 2017-01-20
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient ( when they were XXXX XXXX ) tried to send me to collections while I was attending school full time, and when I graduated, they immediately sent me to collections without mailing me any info about repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: VYSTAR CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX added a fraudulent address to my credit report that had already been reported and removed for fraud. XXXX is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on XXXX behalf. 

XXXX stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/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 2022-11-15
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My XXXX year old son started his first job at XXXX. When he came home from his orientation, he told me that " people from the bank were there and signed him up for an account. '' I was alarmed because he does n't know anything about banking and needs to be guided by an adult in opening and managing an account. Upon reviewing the paperwork, sure enough a Wells Fargo representative signed him and many others up for a checking, savings and visa debit card account with overdraft protection. Upon reviewing Wells Fargo 's website for accounts, teens are not authorized to open an account without a parent co-signer. I went into the Wells Fargo bank where the rep works that signed my son up, and asked them if my son could open an account on his own at XXXX and they said " no not without a parent co-signer. '' I explained that my son was signed up via a XXXX orientation and the rep told me that they routinely partner with XXXX to sign people up for accounts during orientation. I demanded an answer as to how someone opened XXXX accounts and a visa debt card with overdraft protection to a minor who does not know the first thing about opening a bank account, they responded that " their must have been a misunderstanding. '' I am concerned that this expoitation is likely happening to many many other teens who 's parents may not be aware, or may not speak or read XXXX ( in Texas this is very common ).

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 2022-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax added a fraudulent address to my credit report that had already been reported and removed for fraud. Equifax is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on Equifaxs behalf.

Equifax stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : Equifax - XXXX - Delivered XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation