BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX My Legal Council did Not Send Copies of My Credit Life and XXXX Documents To Opposing Council Or Judge XXXX XXXX XXXX so i took Copies in to The Clerk Of Courts However Since the Documents were Not Presented By My Attorney to Opposing Council and the Judge it Was Not Reviewed Therefore Resulted in a Negative Result for Me if in Fact the Documents were Presented Properly the Result Would have Been Much Different.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Back in XXXX XXXX failed to properly advise me and my co signer of late payment and non issued payments and reported to the credit beaure. I was unemployed and while my co signer called, mailed and notified XXXX of his in awareness of correspondence they failed to remove the credit ding. 

My co signer was my brother with a similar name as my father, they had my father and brother mixed. It was a mess. 

Some of my private loans I have asked for proof of my signature documentation and verification because I was unaware of half of my private and Federal loans that supposedly my private college took out in my name since XX/XX/XXXX. 

There was no assistance from them after repeated calls and attempts to provide me with proof. I 've been paying since then and drowning in student loan debt without a degree to pay off over {$100000.00} in SLD {$80000.00} is privatefrom Navient,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been illegally done wrong. i have been to XXXX XXXX Saturday XX/XX/XXXX for XXXX XXXX and XXXX XXXX issues, missed our trip to XXXX XXXX Ar. to our daughters grave and check on my sick XXXX XXXX XXXX mother, due to our XXXX XXXX XXXX being repossessed by Ally Financial XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX and the chapter XXXX attorney Mr. XXXX & paralegal XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX ( XXXX ) XXXX was notified immediately the morning of XX/XX/XXXX after I was told by Ally while trying to make a payment that we were delinquent of 116 days of payments. I tried to ask questions, but since we are under a bankruptcy still in their system they need to speak with the attorney. I notified XXXX XXXX paralegal Mr. XXXX XXXX immediately XX/XX/XXXX that morning and he said that he was notifying Mr. XXXX the attorney and ask for a payment history. I immediately called Ally Financial back asap and requested a payment history. All these trumatizing events and lost of our car, XXXX XXXX XXXX trumas could have been prevented 2 weeks ago with a simple phone call as our paid legal representative should have done XX/XX/XXXX. This is so bad that we have lost our car, lost our opportunity to keep our positive credit we were trying to establish to refinance our home, get custody of our dead daughters children and a repo on our credit is lost of every penny spent 5 months catching up on our bills including paying Ally the arears of the 116 days of {$3500.00} in XXXX to bring the account current in order to keep my wifes {$58000.00} car XXXX retail ) I saved for 3 years to get her that XXXX XXXX XXXX for her birthday in XXXX. Now since we have been careful because XXXX took the lives of XXXX relatives already we have some doubts about the safety of some repo man in it. You can not put an amount on these damages to our lives that my XXXX & XXXX XXXX ect has gone through. Please 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 2021-04-03
Company: Jim Bottin Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I think these guys have just been winging me around actually cancelling my gym membership. It feels like a decietful practice ; I dont understand why cancelling/renewing my XXXX account is done in seconds but trying to cancel my membership with these guys is like pulling teeth. 

When COVID-19 happened in XX/XX/XXXX, I reached out to my health club to cancel my membership. They told me I would have to go to the original gym I signed up with in XXXX. I am an essential worker, and couldnt take off, so I begged them to just cancel. They would not. I figured hopefully covid would subside ... that did not happen. When lockdown went into place, they reached out to us to let us know we wouldnt be getting charged. I reached out and again said I am cancelling my account. All the gyms were closed - how was one supposed to do this? I left phone messages saying I wanted to cancel my membership. I then found out I could cancel online. So I cancelled my membership in XXXX XXXX. 

I noticed around XX/XX/XXXX they were still charging me. I reached out to my creditcard to suspend the charges from them because I cancelled my membership months ago and this was feeling borderline predatory practice. My creditcard agreed with me, and refunded me all the charges from XX/XX/XXXX. 

Now in the mail, ABC Financial XXXX XXXX XXXX is saying I owe them {$220.00} in late fee. ABC Financial / XXXX XXXX is going after me with basically a whole year 's worth of a membership after COVID? Unbelievable! This is some " Hotel California '' trap where you sign up and they make it impossible to cancel, when they should have allowed us to cancel our memberships when COVID happened so people could focus on their bills. 

No way this is legal after COVID ; it definitely needs to be investigated for predatory practices and made simpler to manage your membership status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I attempted to pay my mortgage at a TD Bank Branch. The mortgage payment coupon/slip clearly states " Mortgage Payment ''. It also has a part for you to add additional principle or additional escrow and to total. I added an additional XXXX towards my principle. The transaction took quite a while and included four members of the staff including the manager. I heard them clearly state to put the amount of XXXX in the extra principle field. I received a simple receipt stating I made a " LOAN PYMT '' in the total of my normal payment plus the XXXX extra principle. 
On XX/XX/2019, my account had not been properly credited. The online account showed there was a Misc Receipt made on XX/XX/2019, and the outstanding balance of my mortgage had not reflected ANY payment since the prior month. 
I went back to the branch that day and spoke with the manager, XXXX XXXX. She was one of the employees present when I attempted my payment. While with her, she contacted her account support by phone. They said my payment was used as a pre-payment for future mortgage payments, NOT as a normal mortgage payment with an extra principle deposit. Ms. XXXX explained how the local branch put applied the payment accordingly and was told something went wrong. She was reassured the issue would be corrected that evening and the change would show the next day. This change would also reflect the payment was made on the XXXX XXXX. Ms. XXXX suggested in the future I write two checks and make separate payments to my mortgage if I want to pre-pay my principle. This is a bit odd as the mortgage coupon/slip and the banks system has a spot for me to make an extra principle deposit. I was also told by Ms. XXXX that she would follow up with my payment and contact me the next day to ensure it was done properly. I have not received any contact from TD Bank as of yet. 
As of today, XX/XX/2019, my account has NOT been updated. This costs me the daily interest accruing on the mortgage. It is very wrong for a bank to treat its customers this way. I do not blame the branch employees, as they did what they could have to make the proper payment. Requiring me to write separate checks to make extra principle payments should not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Several attempts made with various forms of correspondence including notarized affidavits, police reports, and letters have been sent through certified mail and faxed to Transunion Credit reporting agency. In addition, a letter requesting proper debt validation due to identity theft was received on XX/XX/XXXX17 @ XXXX by Transunion XXXX Transunion is in violation of the Fair and Credit Transaction Act by not honoring valid police report 's and has yet to provide 100 % accurate debt validation in lines with the FCRA. Transunion appears to only be utilizing the e-oscar verification process for fraudulent account verification. I am willing to move forward with a consumer attorney for a resolution if im unable get this issue resolved.

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 2023-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied to a job during the month of XXXX. I got an email from a woman from XXXX about a job opening for a graphic design position. She offered me an interview over XXXX on XX/XX/18. We did have that interview and I was offered the job the next day. So I signed some papers and was told the role Id work on remotely. 

After that I was told that I need to cash a check they sent to buy equipment for the job. The check was for XXXX dollars. This was a dream job so I trusted the person. The website seemed real and XXXX had a XXXX that seemed real. So I cashed the check. However later I was getting weird request like use the money to transfer it to Vendors. It eventually went to buy debit gift cards and stuff like that. After that I ended communications and tried to warn my bank. However I hoped that the bank would just cancel the check and everything would be fine.

Unfortunately Bank Of America saw this activity and canceled my whole account. I didnt do this maliciously. I had a good reputation before this situation.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been attempting to obtain my TransUnion credit report since XXXX of XXXX  and each time I request it, I get a new excuse for why it can not be provided. I have sent my phone bill that was less than 30 days old when I requested my credit report, I sent a photocopy of my drivers license and my social security card. I have requested it multiple times in order to be able to check it for accuracy and each time I receive a new reason for why it can not be provided. 

I am by law, allowed a free credit report once a year to allow me the opportunity to review and dispute any information that may be inaccurate, however TransUnion has repeatedly refused to allow access to the report. This causes severe doubt that the information is accurate in the report. 

I am attaching a copy of the phone bill that I sent a copy of, a copy of my drivers license that was sent to them, a copy of each of the denial letters that TransUnion sent me in return for each request I made for the report. I am not including a copy of my social security card but it was also mailed to TransUnion.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX  Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of 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 2023-06-29
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was kicked out of school, because of false allegations. All I received was a email from the school without stating I was dismissed. There was no investigation or evidence presented. Then they canceled my email, I was not able to contact anyone. This was done within two semester of me obtaining my XXXX degree. These credits are non transferable there for forcing me to obtain new funding as I would have to start my academic journey for a second time. 
XXXX XXXX  was also on the verge of closing their XXXX campus which brought them pressure to downsize, I believe this was the main cause for my wrongful termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account BANK OF AMERICA opened last XX/XX/2011 is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2023-09-23
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are 4 paid collections on my report that do not reflect this change. There is another collections account for {$620.00} for an account I have no knowledge of. Of the 4 paid collections, one was represented by a XXXX XXXX XXXX in XXXX, NH. They told me they will never remove the information from my credit report even though the account was paid in full. The debt collectors say they worm for a lawyer but I never spoke to an attorney who should have advised me of my rights. I did not know about a court date either. But the account is paid in full. 4 of 5 collections are paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CITIZENS FINANCIAL GROUP, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I purchased furniture through WayFair and used their financing entity called XXXX XXXX  or XXXX XXXX. In XXXX I paid a lump some payment in the amount of {$1700.00} which exceeded the {$110.00} payment amount due. XXXX  XXXX took the payment and applied it to the principal balance without my consent or knowledge. They then proceeded to report my account 30 days late with all 3 credit bureaus. I contacted them to correct this error and they refused to remove the inaccuracy on my report causing my score to decrease by 46 points and harm me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: BYL Collection Services
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: Information belongs to someone else

Complaint:
The company is reporting to my credit report on a account that i have proven wasn't minds and all the information they have is incorrect regarding my personal information. I have reached out to the company many times and done disputes over and over proven my information and they still refused to delete off my credit report. The report amount of {$3700.00} for staying in a college apartment is not mines I have never stayed or went to a college in XXXX XXXX, La. The application was completely done online and was automatic signed with my name. No photo ID was given or proof that it was myself doing the application or staying in the apartment. I have asked for credit verification on the debt and proof of everything and they have failed to prove that the information was mines. My license number is wrong my bday is wrong this is the 6th time i have prove my information is all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Information belongs to someone else

Complaint:
Four collection agencies have been reporting inaccurate information to Experian, XXXX, and XXXX. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - Experian, XXXX, and XXXX  - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX in XXXX Louisiana. I XXXX  XXXX people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my business, and my XXXX  jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies. 

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers, middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. Experian even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.

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 2018-07-06
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a false statement saying my account was past due, when in effect, it was not past due. The direct debit was scheduled on a weekend, the next billing statement was generated during that same weekend. When I called to ask for a new statement, they acknowledged this was a problem with their software, know it is a false representation of my account, and yet, have no solution to fix this problem in the future. They also acknowledged my account is current, always has been current, and yet refused to re-generate an accurate statement reflecting that. I can only theorize that if this is occurring to me, it must therefore be occurring with other customers as well. They know it is a bug in their software, yet they continue to make these false billing statements causing people to believe their account is behind when in reality it is current.

Company response to consumer: Closed with non-monetary relief