BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX of 2018 Nissan Infiniti LT reported to the 3 credit bureaus XXXX XXXX and XXXX that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but Nissan- Infinity LT does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: PA
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:
Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Experian Information Solutions Inc.
State: PA
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:
Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have called and communicated with both the creditor and the credit bureau to delete the inaccurate information, but information still has not been removed.

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 2019-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a Capital One Quicksilver card with a 0 % promotional interest rate which expired in XXXX this year. I carried a large balance, paying somewhat more than the minimum each month. Neither the statement dated XX/XX/XXXX nor the statement dated XX/XX/XXXX said anything about the end of the promotional period and the need to pay off all charges to avoid interest, but knowing that the promotional period was ending, I paid the entire amount by the due date for the XXXX statement, XX/XX/XXXX. I was shocked today on my online account to see an interest charge of {$150.00}, dated XX/XX/XXXX. I called customer service and the agent I spoke to agreed with me, saying he would have assumed the same as myself, that paying off the balance by the due date would avoid interest charges. I was on hold for about 10 minutes, during which he spoke to his superiors, but the response was that the promotional period ended earlier in XXXX, I was responsible to know that from the documents they sent me in XXXX of 2018 ( even though no statement since then provided that information ), and they would not waive the interest charges. I asked to speak to the person the customer service rep spoke to, which wasn't possible. So I spoke to a supervisor who simply repeated that information. I closed the account. 
However, I still have the {$150.00} charge on the account and I presume if I don't pay it there will be late payment fees, etc. 
I have had credit cards with promotional rates from other companies. In every case they have provided clear information in the statements about when balances must be paid off to avoid standard and deferred interest. Without such information, the monthly statement at the end of the promotional period is quite misleading. 
Consumers should be able to know that, in the absence of other information in the statement, if they pay off the balance by the due date there will be no interest charges or fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello. I have found several charges on my company 's Bank of America Statements that I believe to be unwarranted. I have tried to contact the bank about this, and they admitted that this was misleading, but due to the time passed, they offered me {$1.00} credit to my account. There are {$730.00} in fees. 
I believe the way the bill is presented to a customer is misleading and causes people to think they do not owe a payment, because the bill sent will show Account Balance as {$0.00} and Amount Owed {$0.00}. Even though I receive these eBills with that, I have been charge interest on charges between when I pay my bill and when the statement closes. The bank said, because I did't make the payment in between, I was charged finance fees for all purchases made during that time. The issue is when a bill is sent it shows that I do not owe anything. It is a company card and we make purchases daily. We also keep a {$0.00} balance to avoid any fees. 

None of these have been due to a late payment or no payment to the account.

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 2017-01-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The XXXX dollar corporation Navient Corp. has used confusion, misdirection, and other tactics to make it more difficult for me when repaying my student loans, including but not limited to : 1 ) making it more difficult for me to lower my payments using misdirection and other false information 2 ) cheated me, a struggling borrower ( AND graduate student ), out of a reasonable way to make affordable payments 3 ) Used tactics like transfers, multiple confusing tellers and customer service representatives, and other highly nefarious business practices to increase my interest payments making it seemingly impossible to catch up on paying the principal balance. 

Through constantly switching me from program-to-program, deadline to deadline, and making it as difficult as possible to keep up with deadlines, dates, and other unreasonable business practices this company has a valuation of XXXX dollars in assets. My wife and I take in less than {$50000.00} a year collectively before taxes and expenses. As graduate students it is unreasonable that this company would push so hard and take advantage of our situation when we are somewhat forced to continue training ( schooling ) in order to secure jobs that pay a reasonable way to meet the demands of our currently unforgiving economy and job market. Please do something about this company and put and make an example of a company that simply ca n't have enough funds and assets. Where does it end? XXXX? {$180.00}? Why not XXXX? XXXX? $ XXXX? Please help, I can barely afford to repay loans that deceptively were pitched to me as leading to an education that would ( could possibly.. ) provide me with a secure job and now there are n't any. Hence the plea for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: FL
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:
I HAVE FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVED THESE ENTRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2022-05-12
Company: EQUIFAX, INC.
State: PA
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I HAVE FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVED THESE ENTRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2015-07-28
Company: EOS Holdings, Inc.
State: LA
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:
EOS CCA has listed a debt of ~ {$490.00} for " ATT MOBILITY '' on my credit report and refuses to validate my debt and will not remove the record. 

Specifically they say my last payment was on XX/XX/XXXX and is schedule to continue on record until XX/XX/XXXX. It is currently registered with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am currently under the REPAYE plan, however my loan servicer, Navient, does not send a detailed billing showing the amount of interest that is accruing each month or whether the federal subsidy is being applied appropriately to my account. I have made at least three requests for a detailed billing. Each time they send a listing of payments I have made, a list of my loans, the principal amount, and interest rate. As I am responsible for paying off loans and accruing interest, is n't it my financial right ( I know, it 's a strong term ) to receive a monthly statement showing how they are calculating my interest and that the interest subsidy is being applied?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 : Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX5 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 2019-12-07
Company: ORG GC GP Buyer, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I sent a challenge letter to XXXX  and XXXX   in regards to erroneous information being reported on my credit file. I explained to them that I do not, nor have I ever entered a contract with GC Services of XXXX, Texas. Today is XX/XX/2019 and each respective agency has not validated nor contacted me via mail regarding the result of my request. 

Please be advised that I was exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

On the contrary, on XX/XX/2019 I received notice from the collection agency, not validating the debt according to my rights under the FCRA. They instead sent be billing statements, which do not bear any signatures, written consent, evidence of verbal consent on my behalf. Also, they are attempting to collect 2 different amounts and have contradictory information reported to the bureaus as well. GC Services, XXXX, and XXXX   have all failed to properly validate this debt as being mine, but are still reporting this on my credit file which is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft XXXX XXXX XXXX two acount, Bbva Compass bank /XXXX XXXX XXXX two acounts XXXX, XXXX XXXX XXXX XXXX . File police report with the city of XXXX Police department. Hire an attorney submitted some letters regarding the California Rosental act and Federal fair debt collection Practice Act. Also contacted the district attorney XXXX XXXX and Office of the  Attorney General XXXX XXXX. I wrote to the XXXX XXXX I never got anything from them stating account was closed so they hired another The Collector by the name of XXXX XXXX XXXX. Send me those letters from my attorney and never got any kind of response back to them from them. The other company XXXX they closed account after I submitted all the documents but failed to report it to the credit bureaus. In their records indicates everything still open, even though I got a letter from then to state in the council is already closed. 
Last but not least Bbva compass bank / XXXX XXXX XXXX I submitted all the paperwork too. Police report affidavit. I'm still the accounts are not closed how to swim in a few letters they close one of the cancel the one that left it open and they hired a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. And they're suing me I feel the fact that I contact their office and give him all the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/2018 I signed up with XXXX XXXX for 3 bundle TV, phone calls overseas and internet service of XXXX. on XX/XX/2018 this service was connected to my resident without XXXX and they gave me XXXX instead. From day one I was  not happy at all with the system specially with the international phone calls which none of them went through and made daily phone calls to XXXX about it and they absolutely did nothing about it.therefor I gave up and disconnected my service with them and returned all their equipment back to them.Now I am getting {$290.00} charges from XXXX XXXX XXXX XXXX for the terrible service that I only had for 6 days! I have been calling this agency to dispute these charges since I received the first notice of {$290.00} and they are running me around to XXXX and XXXX  sending me back to collection agency and I can not get any answer from either one. Today I spoke to some one by name of XXXX XXXX at collection agency and rudely after I said I will report your company if you can not help me to resolve this matter and ruin my credits after XXXX years of age, then she said " well in that case since you are threatening us I am going to close your account and send it back to 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 2022-05-12
Company: Experian Information Solutions Inc.
State: CA
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:
Hi I would like to report identity theft on the accounts below and I would like them to be remove asap. ( Identity theft police report number XXXX ) according with the fair credit reporting act XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number 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 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 2017-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several companies that have been pulling my credit without authorization. I am not using them for anything, so it is not necessary for them to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX XXXX XXXX XXXX XXXX XX/XX/2021 dear sir/madame, i want to make a complaint about the navy federal credit union. i am coming to you because no matter how many times i discuss my concerns worries with them and make formal complaints they ignore them. i recently made a complaint with the better busines bureau but i received no response from the credit union. 

on yesterday XX/XX/2021, i checked by account and discovered {$2800.00} was debited into my saving account. i knew right away it did not belong there, so i called the credit union to report their error, once again. it took several calls for them to take the money out of my account and place it with the people that it belong to. 

their attitude was " it was just a mistake, XXXX XXXX '', she then tried to blame the irs no, because i only used that credit union for my mortage. the errors they made with my mortage has put me in financial hardship. they dont care if they mess up our money. 

my son, XXXX XXXX, told me he had the same mortgage problem with them concerning his money. this {$2800.00} error is serious to me. it should'nt happen. with a large organization as the nfcu. there sould be auditers, cpa 's and/or accountants so our money will go into the right accounts. just think if i had not discovered the error the person that money belong to could've been hurting, like i was when the made the huge mistake in my mortgage and escrow payments. why are they making errors with people 's money. i recommended my son to this credit union to handle his mortgage but the error with him was over {$6000.00} per my understanding. i am only mentioning my son to let you know there is a history or habit that the nfcu has with mortgage programs. 

i pay extra to principle and escrow every month from {$130.00} to XXXX for principal and {$20.00} to XXXX to escrow. they paid out to my home owners insurance XXXX in XX/XX/2021 then they said they received another bill for XXXX in XX/XX/2021 so they paid.again, that time that payment put me in a in a deficient. they said i was short XXXX so they took my mortgage up from XXXX {$910.00} i couldn't afford a {$70.00} increase. they dropped it to {$900.00}. 


these errors shouldn't happen. when we trust the credit union with our mone and mortgages we expect top notch wervice, but we are not getting it. the worse part is they don't care. 

i am requesting a response back and a remedy so i know it won't happen again. 
i worked 32 years with DoD, had i made mistakes like that i couldn't stayed there. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX 2020

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