BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have loans with Navient and they consistently deny me options for more affordable repayment. 
I can not afford what I currently pay them- each month is a struggle for me to get the money together. I need to pay my other bills, pay for gas, food & rent. I have repeatedly told navient this as well as written letters but they always deny me lower payments. 
I have been told my only option would be to put my loans into forbearance or be sent to a debt collection agency & then my credit would be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of doing a HELOC with Bank of America. The originator of my loan application. The originator said I could have my home appraised because I disagreed with their automated valuation tool. Today my processor tells me that BofA is refusing to send an appraiser to my house because I have n't made upgrades in last 365 days. It is my understanding that I 'm entitled to a appraisal from a licensed appraiser if I disagee with their home valuation software aswell as I was told by the orginator before I applied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance With The Fair Credit Reporting Act *XXXX XXXX XXXX  Account : XXXX *XXXX XXXX XXXX Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX 15 U.S. Code 1681s2 ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( B ) Reporting Information After Notice And Confirmation Of Errors APersonShall Not Furnish Information Relating To AConsumerTo AnyConsumer Reporting Agency Without My Written Instructions 15 U.S. Code section 602-A. States I Have The Right To Privacy.

THE LAW CLEARLY STATES : Transactions Between The Consumer ( ME ) And : XXXX XXXX XXXX  Account : XXXX *XXXX XXXX XXXX  Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX Making The Report Is Not INCLUDED On My Consumer Report! 
THE FCRA 15USC 1681a 2Ai By Reporting This Transaction Or Experience On My Consumer Which CONGRESS Clearly States IS NOT Included On My CONSUMER REPORTS.

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 2022-08-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, I applied for a credit application at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and entered into a consumer credit transaction with Ally Financial. At the time of the transaction I was an uninformed consumer, unaware of my protected rights, and unaware of the fraud being committed against me by the dealership and Ally Financial. I recently became aware of this fraud and the many violations by Ally Financial, and I contacted them via mail and over the phone to dispute the alleged debt tied to the transaction, and mailed a letter disputing the alleged debt, and informing them that I was rescinding the consumer credit transaction., and shortly after on or about XX/XX/XXXX, Ally Financial used XXXX XXXX  to unlawfully repossess my car from my son 's private, paid parking location in his parking garage. Ally Financial never provided me with the required validation of debt pursuant to 15 USC 1692g, nor did they provide me with the required disclosures in connection with a consumer credit transaction as required by the Truth In Lending Act, and Regulation Z 12 CFR Part 1026. I will also attach a copy of the " NOTICE OF RESCISSION '' that I mailed to Ally Financial at the address that I have for them per the contract XXXX XXXX XXXXXXXX, XXXX, Maryland XXXX, XXXX XXXX XXXX XXXX, Minnesota XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, Michigan, XXXX. Let this also serve as a notice to Ally Financial that the consumer credit transaction associated with Account # XXXX, VIN # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, is hereby RESCINDED pursuant to the Truth In Lending Act 15 USC 1635.

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 2017-01-22
Company: Navient Solutions, LLC.
State: KS
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 have XXXX separate private loans that with ridiculous interest rates. I offered to settle with them on both private loans. The woman I had been working with XXXX XXXX told us how much they were willing to settle for. My father and i asked for this in writing either through certified, regular mail even email. Our customer service rep XXXX XXXX promised to notate my account regarding the agreement for the settlement offers and said she would mail out the agreement so we had a physical copy in hand and could take time to read all the details. She stated that before she could make any of this happen she was needing a payment of XXXX right then to hold my account. So we paid right over the phone with her and still have n't received the settlement amounts we discussed. When I try to call in and check on the status to see if they have sent us the settlement offer letters the rep says they have no idea what I 'm talking about and nothing was noted in my account about this. I 'm not going to send them close to XXXX XXXX dollars without having it in writing. I also get a lot of robo calls even an hour after making that XXXX $ payment over the phone with XXXX XXXX. I 'm being charged almost 10 %. The amount owed in interest alone is more than the initial loan amount. Also I have department of education loans managed by them and consolidated all of them and ca n't get anyone to help with the repayment plan. I 'm currently laid off due to lack of work. But these people do n't care. They 've told me that my dad cussed and hung up on them which was definitely not true. We want to get this settled and paid off. Please help! My mother cosigned for my XXXX private loan she 's on XXXX because she had XXXX and they are putting negative marks on her credit. So irritating and XXXX. It could really make a person sit and cry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Had a capital one bank credit card and had a hardship of losing a job and was unable to pay for 4 months but after a small time I made a {$15.00} payment and then two larger payments totaling {$220.00} and then they unexpectedly closed the account and will not reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a 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 2020-03-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I could not open an IRA account in the branch and was told to do it online. I opened it online ( told it could take up to a week to be opened ) and now that it is open WellsFargo will not give me the account number over the phone ( it is masked online ). I need the account number to roll over my 401k over. I was told I have to wait for my opening deposit receipt in the mail ( another 7 days ) to get the account number. I asked if I could walk in a branch and get the number and they said yes. Now I have to go in the branch and risk being exposed to the Corona virus just to get the account number. I am beyond frustrated. Everyday I wait to get the funds transferred I am losing money and now I have to risk my life.

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 2015-12-30
Company: GreenSky, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Construction Loan Company ( Greensky ) released {$1000.00} to XXXX XXXX XXXX ( contractor ) without costumer 's ( me ) authorization or any work done. As soon as I got the first loan statement, I called the loan company to complain about the unauthorized released funds and to put a stop payment to any other non-authorized sums. Greensky kept sending the statements showing the {$1000.00} balance for several months ; after contractor failed to do any work on my property I cancelled the project or contract. I called the loan company to file a complain ; they reviewed the complain and for several months I did n't hear from them, then three months ago they started sending the statement again. When I called them, they claimed the {$1000.00} was now a cancellation fee! I have spent hours in the phone with them trying to solve the situation, I agreed to make a payment by phone because they threaten to damage my credit report ; they also said that if I paid they would n't charge any interest on the loan ; but now they are also charging interests. So I called them and I said that I was disputing the bill and that I would file a complain with the CFPB. The loan company says I have to deal with the merchant ( contractor ) and try to get the money from them ; but in my cancelled contract it said that it was illegal for the contractor to collect funds for work no yet completed. Greensky released the funds without my authorization for work that was not done.

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 2015-08-17
Company: Continental Finance Company, LLC
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
A dispute in the amount of XXXX was filed with Continental Finance for an item I returned, not refunded by merchant. The rep who took the claim was provided with all relevant information ie date of return, reason for return, tracking number, response from merchant, etc.. However, they sent a letter asking for all information again. Please note, tracking information was provided a total of XXXX separate times, their letter asked for it again. The item is a pair of XXXX shoes that did not fit, the wrong size could have been sent. However, I do not know for sure because the size on shoes was not checked. This information was given to rep XXXX XXXX ) in dispute dept, was requested again in their letter. As you can see, they have done nothing in regard to this dispute except request information already provided to them. The dispute number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im a victim of identity theft someone got my XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

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 2022-08-31
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made complaints on ability recovery service for not validating my debt they say they have but have not provided break down of cost or any contractual agreements or even a hippa release and nothing was done but this compliant is about something much worse they have deceived me 3 times now first time I called I was told there was no debt attached to my name the second time was when I called them back and let them know the new law passed will remove all medical debts below XXXX from credit reports they tried to convince me that wasn't true witch is lying to me to get me to pay a debt witch is illegal and a violation subject to XXXX $ fine and when I got their response back today I found out not only have they hid who bought the debt they also have a false company that doesn't exist anywhere any my credit report witch the fdcpa clearly states only accurate info is to be reported the alleged debt came from XXXX XXXX but is listed on my credit report as XXXX XXXX XXXX  witch they told me they represent then just today I found out the true debt buyer was XXXX XXXX  so now you know they have decived me multiple times have failed to give me 30 days to validate or show any contratual agreement or hippa release to validate anything reported inaccurate information hid the real debt collector and lied to me about the law if this isn't enough to fix this problem then no one is even trying at this point and you know they are lying due to seeing my first compliant and thier response naming a whole new debt collector it's all there I have also submitted a compliant the the XXXX  and sent a validation letter to the company so we will see what supporting documents the really have ( I doubt any at all ) I will submit complaints on XXXX  to if I have to but I would like the ones who lied to be and violated the laws to do what's right after being so unprofessional

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 2022-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase persists in locking me out from accessing my account on-line. I have spent over an hour on two successive days for this to be corrected ; and have been transferred from person to person with no results of allowing me access to my credit card or its information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 explanation
Consumer complaint received 2017-02-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I do n't know how to answer the preceding question and it appears irrelevant. 

I printed the form on the CFPB 's website to request a free annual credit report from all XXXX main credit agencies, completed it and mailed it to the address indicated several weeks ago, via certified, return receipt USPS delivery. I got a letter from Equifax that falsely claims it did not receive information just submitted, such as my address. It further demands my social security number and birth date. I have received copies from all XXXX major credit reporting agencies at the address provided since 2001, for well over 15 years. The credit bureaus are so out of compliance with existing laws and they have caused me so much damage with lost credit and higher costs of credit, that they should be required to send me my credit reports to the same address they have sent them to for years, but only AFTER the CFPB forced them to give me copies of my credit reports. A recent pull of my credit report from Equifax and XXXX by XXXX XXXX XXXX XXXX indicates that my credit score has dropped precipitously and could hurt my ability to get a mortgage loan or at the best possible price. In the past, both of these credit bureaus have repeatedly carried false information in my reports that have injured my ability to get financing at the best possible rate. Equifax has acted hostilely to me for years, with little or no consequence and can not be trusted. Furthermore, they are not entitled to record, keep or provide my social security number and birthdate to third parties, yet they do so relentlessly against my written directions to cease and desist from doing so, exposing me to unwanted risks to my privacy, identity theft, cyber crime from all over the world, and enormous, unwarranted, credit difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: IL
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 am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer t

o 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

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 famish an account without my written instructions. 
1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's forgery and misleading when the courts do not report this type of account. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: IL
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 am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer t

o 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution. 
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 famish an account without my written instructions. 
1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's forgery and misleading when the courts do not report this type of account. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation