BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XXXX, my husband and I took out $ XXXX each to go to an XXXX prep school. This was not a Title IV school. The school 's name was XXXX University. The purpose of the school was to help prepare for the A+, N+ and MCSE computer certifications. Shortly after attending the school filed for bankruptcy. Since these loans were person loans, we had to continue to pay on them. In XXXX my husband and I filed for XXXX XXXX bankruptcy. Our bankruptcy was finished in XXXX. 

In XXXX Navient reached out to let us know we will start paying them since the bankruptcy was over. I wrote Navient a letter stating that the loan should have been discharged because the loans were not from a Title IV school. I sited in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Class Action Lawsuit Case No. XXXX and I referenced the Federal School Code list from XXXX indicating XXXX  University located at XXXX XXXX XXXX XXXX XXXX, Kansas XXXX was not on the list of eligible institutions for Title IV. Navient put our loans in forbearance while they completed their research. I called Navient every couple of months to check in but there was no movement. 

In XXXX, Navient told me that it was not likely these loans would go away and all I was doing was building up interest. They told me to start paying the loans. I took a 401K loan out and paid my husband 's loan off. For my loan, Navient said to refinance it with Navi ReFi. Today I saw that the suit was finally settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
several inquires were placed on my account without my consent and i want them removed. In addition there was some incorrect personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America let a third party checking account steal XXXX XXXX from me via a transfer. I have filed a police report and would like you guys to work hand and hand with law informant as I am taking legal action apon the person who stole XXXX out of my account which bank of america allowed them to do so.

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 2023-07-02
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 Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXX  with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation.

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX account and a written response outlining the actions taken to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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: Personal information incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Truist bank reported a 30 days late payment notice to credit bureau on XX/XX/XXXX reporting that I have a past due payment for {$120.00}. A check for {$120.00} was sent to Truist on XXXX XXXX which was cleared and cashed by Truist on XXXX XXXX, But Truist failed to post the check to my account due date on XXXX XXXX and instead they posted the check on XX/XX/XXXX, XXXX resulting in a late payment. 

In addition, payments record from Truist credit card statement indicates that I have never failed to submit a payment on time. Therefore, I am not sure where is the 30 days late reporting is coming from. 

Upon contacting Truist, They indicaed that there are a posting problem on their end and sometimes it is taking more time, which causing for the payments being misapplied towards different statements and invoices. 

I filed a claim with truist to correct the reporting on XX/XX/2022 and I have yet to hear from them. I filed a dispute with XXXX on XXXX XXXX as well and I submitted all the evidance supporting my case ; however, they still did not remove the late payment reporting on my payment history which is resulting significant financial damage due to my credit scoring dropping more than 50 points which led to me not being able to apply for financing to purchase solar panels system for my property.

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 2018-04-13
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/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 2021-02-16
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have 2 vehicles each separate loans with Ally Financial. I am attempting to pay off both loans and asked for a payoff quote for both. They gave me amounts that are higher than listed on my account because of compiled late fees. I asked if they would work with me and please reduce the fees or finance charges and I can pay both of the loans off. I was told we dont do that at Ally. I have done this in the past and they always worked with me to get it off the books and be done with it. This company Ally calls me 10 times a day every day with different people leaving messages that sound like they are from another country. I just want them to work with me to take off fees. Can you help?

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 2018-01-27
Company: Experian Information Solutions Inc.
State: LA
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:
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA 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 2019-07-02
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'd like to add that since I first submitted a complaint to FedLoan, I  heard a news story on XXXX about how many people are having the same issues I've had. The PSLF program is in disarray, and dealing with FedLoan Servicing is very difficult. I handled congressional inquiries for a U.S. Senator, and just yesterday, I received a call from a constituent who is having the same problem I am - as are many.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Here are List of inquiries desired to be deleted, Their customer service would not help and take care of the negative inquiries reporting to my credit report for Trans union They gave me an attitude about speak with there manager. 

XXXX/XXXX  XX/XX/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 XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX # XX/XX/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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a 30 day late payment on my account and i have paid the fee and my bill in full and they will not remove the late payment fee from my credit report. I have contacted XXXX XXXX XXXX on XX/XX/2019for a forgiveness and they failed to since i payed the fee i have never been late ever and the problem was that why i was late was i opted to paperless statements and i told them i never did so and if i did they still havnt sent my statement please forgive my error on my late payment

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 2018-01-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Information belongs to someone else

Complaint:
I called XXXX and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX  XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2019-07-02
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am paying extra principal and on an every two week payment plan, and I am trying to get a written amortization schedule. I sent my request in writing only to be told via e-mail on XX/XX/XXXX that I must call. 

I called today and spoke with someone in Customer service. She told me to go online and there was a calculator there that I could use, so I kept her on the phone so that she could help me, only to discover that the calculator could not compute this for my situation. I asked to speak to a manager, and received XXXX ( who can not give out her last name ), Escalation Specialist, # XXXX, who also could not assist. 

All I want is a written amortization schedule showing how this loan will be paid off over time by making my every other week payment and extra principal. I was told that they could not give me this in writing because it would be an estimate. That makes absolutley no sense since this is a fixed loan, paying it a fixed way, with a fixed interest rate and a fixed amount of extra principal. 

Is something being hidden by Flagstar that they can not show? It is very odd. 

I will appreciate your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
See attachment included below. 

In short, a presentment of tender of payment was made and I did not receive any notice that the presentment was dishonored. I asked for validation of debt, the company did not comply.

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 2022-09-07
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I wish to practice my right as a customer of RIA Financial to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with RIA Financial. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Scammer ) which involved me making deposits for a total amount of XXXX USD from my RIA Financial account to a fraudulent person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/23 I sent a letter to received validation for an account on my credit report under XXXX XXXX I never received a response, and I just checked my new credit report and not XXXX, XXXX, or Experian updated this to in dispute. I know that this is against the law.

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 2019-07-02
Company: SYNCHRONY FINANCIAL
State: MO
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 DO NOT KNOW WHO THESE ACCOUNTS ARE : XXXX XXXX {$3300.00} XXXX XXXX SYNCHRONY NETWORKS {$1500.00} XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX FIRST XXXX XXXX {$980.00} 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