BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX ACCOUNT # XXXX has violated my rights. 
XXXX, XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
RESIDENT VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX has violated my rights. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX has violated my rights. 
RESIDENT VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # 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 I DID NOT GIVE WRITTEN INSTRUCTION 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 than 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 response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was stolen last week. Some made XXXX XXXX dollar withdraws from ATM. I do n't know times B of A would n't release that nor phone numbers. I called in several times had to call back and wait on hold for long times. Also the rep did n't report the XXXX as fraud they just left it. The XXXX case took 3 days and the XXXX case was 1 day. nothing has been done about it. I report BANK OF AMERICA TO XXXX. A lady contact me and left voicemail she be looking in to it and some how its already closed. This whole case seems fishy. bank of america states you 're not reasonable for basic transitions or ATM withdraws you did n't make. I DID N'T MAKE NO WITHDRAWS. ALSO THIS COMPANY DOES N'T CHECK ID WHEN WITH DRAW {$10000.00} OR XXXX OR {$500.00} AT THE TELLER LIKE OTHER BANKS DO. BIG RISK FOR PEOPLE TO STEAL MONEY FROM PEOPLES ACCTS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
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:
i am really concerned i went to college for XXXX semesters on the XXXX semester i was informed by the school my loans didnt come through so i would have to pay out of pocket so i quit. 2 years later XXXX contacts me and tells me i owe them money which i knew but also said i owed for the XXXX semester when i asked for what they send they sent a check to me now i did not receive that check and i went to the school to ask and they said that it was sent to a XXXX party hence they could not give me the name i had to contact XXXX i did and they said it went to the school. well for the last 8 years they XXXX have taken my taxes in the amounts of XXXX. XXXX, and etc now my loans were for all together XXXX it is now XXXX i had gotton a letter from navent which is i guess sallie mae and they said i still owe XXXX when i went on the website it sais i missed a XXXX payments they have never sent me a thing on how much a monthly payment would be. i took action with the department of education in XXXX to help rehabilitate my loans and get this scquared away so that they dont take my taxes in XXXX that is what i was told if i paid this act company they wouldnt take my taxes and the new company would send me a booklet of payments i have not received anything but this letter today. i have been on hold for 2 hours and 8 minutes i finally got to someone who send they couldnt help me and directed me to someone else that could help it is now XXXX oclock and ive been on hold from them since XXXX and now they have hung up i called back to only receive another recording saying it will take another 30 min. all i want to know is what is going on with my account and why they have no record of the irs taking my money and sending it to them i have documents saying it was paid. now on nevents site it sais i owed XXXX in XXXX but i never got anything saying this was the company i was supposed to send money too. i have talked to numerous people about this company and everyone has said the same thing customer service workers there will not answer your questions and some people have paid money to this company to find out when they check their status that it was not put into their account. so where is all my money going to if its not being paid i just want to pay my debt but every place that has asked for money for XXXX and i pay it has not went to XXXX its always XXXX parties they are scamming us and it needs to stop. so please i need them XXXX or navent or someone to call me this is very frustrating not to mention they want to garnish wages but yet i dont know if this money is actually goimg to XXXX because i stilll owe all this money in which i didnt even get to finish college for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Opened Capital One Transaction Dispute Claim Case # XXXX Amount : {$190.00} Merchant : XXXX XXXX XXXX XXXX ticket on XXXX ( XXXX ) ; at this moment all requirements by XXXX granted entrance to XXXX XXXX Omicron Variant showed Up and XXXX changed policy, XXXX NEVER sent me notifications of this changes even when it can affect the right to fly. 
My father was fully vaccinated and still was cancelled his flight due to one out the three vaccines was not accepted by XXXX. 
Again when ticket was bought that requirement was NOT in place. 

Is not a right of customer to get notified of any changes related to the right of flight when these changes happened between date of buy and date of departure? 

Service ( fly ) was not provided. 
In addition merchant REFUSED to move the date further even when I called 2 weeks in advance to another date or give any partial refund/credits or anything. 

XXXX ( merchant ) also denied to provide any document related to the cancellation. 

CapitalOne was explained several times in details what happened, I submitted all forms required in time. 

CapitalOne said document " Proof of Cancellation " needed ; but merchant refused to give me one. Without that document CapitalOne denied the claim. 

CapitalOne admitted they didn't contact the merchant for clarification of this customer abuse. They simply asked for a document impossible to me to send and closed the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
The XXXX breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 

Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.

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 2015-07-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with XXXX in XX/XX/XXXX in order to take advantage of a lower interest rate and to lower my payment. My new mortgage payment at the time of refinancing was XXXX per month. This XX/XX/XXXX my mortgage payment unexpectedly increased to {$3300.00} which is an increase of {$570.00} per month. I have contacted multiple people from XXXX and I was told that I would need to contact NationStar as they were the servicer of the Loan. After multiple calls I was able to find out the escrow account was either underestimated, or running negative balance from XXXX of XXXX that was not accounted for when my refinance was processed. This led to me having an escrow shortage of {$5100.00} going into XXXX. Due to the negligence or carelessness of either Nationstar or XXXX ( during origination ) my mortgage payment has now increased 20 % to an amount that is considerably more that it was prior to my refinance. 

Nationstar has given me the option to make a one time payment for the full amount of the shortage or to spread it over the year. Nationstar also mentioned they may be able to spread the shortage over two years but it is still unclear as to what happened and why the shortage occurred. This appears to be a systemic problem as a fellow friend that is a veteran is also going through the same issue with Nationstar. Due to the substantial increase especially during this pandemic this not in the best interest for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 checked my credit report and I noticed some unauthorized accounts and inquiries I proceeded to contact the credit reporting agencies that was reporting the negative and false information but they did not remove the negative accounts and inquiries.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 
15 u.s.c 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 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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 u.s.c 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 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 2016-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a loan modification and because I now make enough money they do not want to approve/or review me for a loan modification again. I was told by a HUD credit counselor and other government agencies that since I experienced such great hardship I was able to qualify for a loan modification. Why am I now being penalized now because I now have my full income and not on sate furlough. This is n't fair and I am asking for a fresh start to begin my payments again. Is there anything you can do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XXXX of XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XXXX. The last payment activity on this account occurred in XXXX and has been reported in our credit file for 7 years. Per the Fair Credit Reporting Act ( FCRA ) negative information must be deleted from our credit report after 7 years. Please remove this account from our credit file and stop reporting the information as it is past the 7 year reporting period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-09
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This afternoon I received a call from a Navient representative who called herself XXXX XXXX. She was calling regarding a missed payment. A few months ago Navient took me off an income only repayment plan and my monthly payment doubled. I was unable to make the new payment so I have been sending as much as I can per month. Apparently that makes no difference. When I told XXXX XXXX that I had not paid because I did n't have enough money in my bank account, she was incredibly rude and short with me. When I said I only had {$400.00} in my account she asked me why I could n't afford to pay at least {$300.00}. Then she asked if I was employed. When I said yes she asked me if I had a job they why could n't I make the payment. She asked me what had changed that made me unable to make payments. My payments doubled, that is what happened. She was incredibly rude and treated me like a criminal when I am in fact sending payments, just not the full amount. She made me feel awful and embarrassed. And this all happened at work, so everyone could overhear me defending myself, then arguing with the woman and finally crying. Private lenders need to offer income based payments like the Federal government does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
My concerns with Discover and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I saw this listing from XXXX about a rental home for military personell and upon checking everything looks legit and I even did a background check about that website and people said its pretty legit and how its easier for military members to look rental houses there. I reached out to the one of the listings there and he replied right away he sent me application forms and even his identification that he is legit. So i filled it out sent it back to him he said i need to put down {$1000.00} for security depost and another {$1000.00} to finally secure the house. So i did and he emailed me my lease with his attorneys signature, his signature and mine on it. So weeks before Im trying to move in he said, him and the property manager will hand the keys to me on the day i move in. So the day i move in he was nowhere to be found, doesnt answer the phone and doesnt reply through my texts. And thats when everything fell apart on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Byrider Franchising, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had a car loan financed by CNAC from XXXX 2015 to XXXX 2015. I traded my car in for a brand new car. When I traded my car in the new dealer called CNAC and got a 20 day pay off. Not even XXXX days later CNAC sent me emails telling me that I was in collections!! I reached out to them to advise them they will be receiving a check within XXXX days from the new car dealer. The representative was rude and continued to tell me that I was liable to pay. I then advised her that I will not make any more payments because they will be getting a check for the balance in full within XXXX days. I also advised her she was not to contact me at all. They failed to follow my request because they continued to call me when I a advised them not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Marlette Funding, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I paid a principal payment of {$500.00}. My regular monthly payment is due on the first of each month. I have the payment of {$160.00} automatically withdrawn and the loan is current. My complaint is that Best Egg only paid {$440.00} off my principal and took {$59.00} out in interest. The CSR stated that if I wanted to make a principal payment I should do it the day after the regular payment is due. Is this a correct calculation of a principal payment make later in the month as opposed to later in the month? 
Please advise is this is a best practices consumer loan practice. 
Thank you

Company response to consumer: Closed with explanation