BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I rehabilitated my federal student loans with XXXX in XXXX and thereafter Navient became my student loan servicer. The first year of IBR my income was {$21000.00} in XXXX and my student loan payment was {$38.00}. I re-certified my loan this year based on my XXXX income of {$34000.00} and my new IBR is to be {$190.00}, 5 times more than the previous year. 
I contacted Navient and they sent me information on how the IBR is calculated, please see attached. My income only increased by 1.6 percent. The new monthly payment was far from what I expected it to be and I know that it will be difficult at best to pay this amount monthly. 
Is this truly the best Navient can do? I fear that this pattern of excessive increases in the years to come will prevent me from saving anything for retirement let alone pay for basic necessities such as rent, food et cetra. 
I question why there method of calculating my IBR monthly payment in XXXX clearly did not match their method this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice on my credit report which that I owe {$6900.00}. I informed them that I am exercising my right to discharge debt under 192 73-10. Also 18 usc 8 all debts are the obligation of the United States. Also by being a third party debt collector they are in violation of the FDCPA ( FAIR DEBT COLLECTION PRACTICE ACT ). Violations 806,807 ( 2 ), 808,807 ( 11 ) 809,812. It has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15 usc 1692 ( c ) a 15 usc 1692 ( b ) 2 b ( 5 ) 15 usc 1692 ( d ) 2 15 usc 1692 ( g ). This added stress creating hardship on me and my family. I was told I had no rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: BCI FINANCIAL GROUP, INC.
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
RE : XXXX XXXX XXXX  XXXX XXXX. XX/XX/2023, online CD account application filed. Uploaded my state drivers license front and back of license. 
XXXX. Used my pc camera for facial recognition shots including right, left side of face. 
XXXX. XXXX was denied stating : " we can not provide more information due to privacy and anti-fraud considaerations. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On   XXXX   XXXX  , 2017, I received a letter from Home Depot stating that my credit card issued through   XXXX   XXXX   XXXX   had been closed due to an adverse credit score. I checked my credit report and it was excellent. I called them and was told that hundreds of letters had been sent out by mistake informing customers of account closures due to poor credit. They refused to re-open my account as I requested and stated that a warning letter had been sent out prior to closure informing me that my account would be closed due to inactivity if I did n't use it.I told her that I never received such a letter. She still refused to re-open the account. On or about   XXXX   XXXX  , 2017, I spoke with a supervisor named  XXXX  who admitted that no warning letter was ever sent as previously indicated even though it was company policy, but again refused to re-open the account. My credit score has dropped more than   XXXX   points as a direct result of their negligent and incompetent handling of my account by closing it without notice or consent. This has had a devastating effect on my ability to become employed in my field. My credit score is very important to me as it is closely scrutinized on a regular basis as a first responder. I engaged a lawyer who found case after case of case law of situations that dealt with " covenant of good faith '' that illustrated a clear violation on the part of Citibank of this concept in Arizona law. I will be happy to provide a copy of that letter which was sent to Citibank on my behalf urging them to re-open my account. Yet again, they refused. Citibank needs to follow Arizona law, " implied covenant of good faith and fair dealings in every contract. The duty arises by virtue of a contractual relationship. '' They have acted in bad faith and caused me significant harm by not being faithful to the agreed upon common purpose of the contract thereby preventing me from receiving the benefits and entitlements of my account agreement.

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 2023-08-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: AR
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:
This is my another complaint submission that I am filing to inform XXXX, Equifax and XXXX Bureaus that I am a victim of identity theft and I sent this submission to dispute certain inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved, the thing is the 3 credit bureaus HAVE NOT TAKEN ACTION to remove any of the specified fraudulent inquiries that I have requested them to remove from my file, even after I did a follow up notification to them they have neglect to remove any at all. Please once again block and remove the reporting of these inquiries from my credit file that resulted from an alleged identity theft. These inquiries are unknown to me. And I have doubts about the reporting accuracy on these inquiries that you presented in my credit reports. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. These are the list of inquiries I want the 3 Credit Bureaus to remove : XXXX : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been denied a business bank account, without no further explanation on the basis of my age and source of income. I was not able to even provide documentation of proof that my business is legitimate.

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 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I transferred XXXX into my checking account from my savings account then. The bank transferred it out and it state to whom or where other than. Reference number it was transferred illegally un authorised to someone else or was stolen. By a bank employee this is fraud my identity has also been stolen along with my passport birth certificate IDs and medical record information I large amounts of money as a little kid in XXXX with XXXX County XXXX XXXX Ref : XXXX XXXX ( XXXX ) also was involved in a car accident in XXXX in XXXX county of XXXX and XXXX XXXX on the on ramp to the XXXX XXXX XXXX the driver was the son of owner of the food chain longs drugs supermarket he also owed the insurance company that insured the hospital & XXXX and XXXX XXXX XXXX seat I flew out of and XXXX XXXX County The case was reference under XXXX  XXXX  XXXX XXXX XXXX estate & irrevocable trust. The city of XXXX XXXXXXXX has the paper work and XXXX XXXX which is the executor of his brother in laws trust which was left to XXXX boy lagacy? XXXX XXXX he was my elementary school principle and it was either him or his lover who crashed into us on XX/XX/XXXX-XX/XX/XXXX XXXX XXXX day or XXXX Sunday in 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 2023-10-10
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the XXXX plan and did not get a notification of if it was submitted. There is no spot to enter my spouse student loan amount. Which directly effects the available discretionary income math for that plan. 

Also, I paid my payment for XXXX and I am getting alerts of missed payments. 

There is no way to contact them. The computer chat says it is too busy, their schedule a call is unavailable, and I have been on hold for 2 hours and can not get a hold of anyone. 

This is unacceptable. I am doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: NCB Management Services 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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX regarding a collection that has been paid off XX/XX/XXXX and it still showed opened. I requested that they update the file has closed and remove from my credit report. The response from XXXX that it was updated and closed as of XX/XX/XXXX. I contacted XXXX by phone on XX/XX/XXXX to report this infraction and was told that I will need to contact the company, NCB Management Services , Inc for a date closed on this issue and to have them contact XXXX to remove from credit report. 

I am going in circles. No one is taking responsibility and I need this to be taken care of since its making a dent in getting services that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: EQUIFAX, 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:
I was a victim of   XXXX   XXXX   inquiry issue '' . i called them XXXX / XXXX /2017 to   make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
 XXXX  had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports.   XXXX   failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: EQUIFAX, INC.
State: LA
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:
On XXXX and XXXX I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After Equifax initial investigation, I sent them a second letter informing them I was in disagreement of their findings because the inaccurate accounts were still on my credit report. At that time I ask for reinvestigation and provide me with validation of the debt or deletion the accounts. I never got validation of the debts from Equifax or deletion of the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I exercised 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, regarding inaccurate accounts on my XXXX, Equifax, and XXXX credit reports reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by sending Method of Verification letters certified mail, return receipt requested to XXXX, Equifax, and XXXX. To date, I have not received anycompliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. These accounts do not belong to me. I have no knowledge of these accounts. Unauthorized opened accounts. To date, XXXX, Equifax, and XXXX are reporting false information to my credit reports. Therefore, I expect these accounts will be removed from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I borrowed  XXXX  dollars and because I could n't get income based repayment options for it inahd to keep deferring the loans. causing the loan to grow to over 90k. Now I finally got the loans consolidated or so I thought then they denied me for income based repayment without a reason. So basically I 'm screwed owing   XXXX   and I should only o  we  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
After the closing of US AUTO SALES I discovered my warranty that was paid for upfront was void. The monthly state insurance was never valid. Westlake financial is now repossessing my vehicle. I am unable to use my purchased warranty any further. Also, according to the county I reside in, my insurance was never valid. I contacted westlake once I became aware of them purchasing my loan. The representatives were extremely argumentative and threatening legal action. Their only offered solution is repossession of my vehicle. I asked to be transferred to the escalation team or a supervisor. I was denied that request multiple times. There has been XXXX communication between us auto sales since closing their doors. Westlake financial calls me roughly XXXX times per day. My entire contract was violated and now they are only offering the solution of repossessing the vehicle I paid for. I was never behind on payments with us auto sales. I have a XXXX  XXXX XXXX that was purchased in the beginning of XXXX. The most recent representative at Westlake financial laughed and berated me when I asked for the next steps or some guidance. When I requested further assistance he asked for what and stated he was unable to transfer me anywhere. He suggested I go and watch for the repo truck. I have been unable to reach anyone at US AUTO SALES for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation