BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have ha d   XXXX   HE LOC loans on  XXXX  different pieces of property that I was only paying interest only on. At the end of the term I was sent forms for assistance in loan modification. I began this process in   XXXX   XXXX   XXXX   XXXX   XXXX    ,  one yea r ago. I have gone to my branch and faxed over  500 pages  of documentation that was requested. Then every month after that I have resubmitted the information because it was " lost '' or sent to the wrong place. With the last call I was told that this should be it and they would let me know the status. I got a letter today saying that they are still missing information and I should call immediately to find out what they are missing now. When I called I was told that I did n't have any missing information but that I had to start all over. I off course was livid. The lady in charge of my account blamed the system for loosing things but that she could now see everything and the underwriter should be able to also and that she would be checking back with me if any problems. I have not heard anything for a month or so and thought things were progressing properly, until the letter today which states that I am still missing something and need to call them which I did. I started this call at  XXXX  and it is now  XXXX  and I 'm still on hold. Please give me some 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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove the security alert. ( Fraud Alert ). I need to buy a car but there is an alert on my credit report that makes me difficulty to the buy a car or open credit card. please remove this. 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 2023-09-18
Company: EdFinancial Services
State: DC
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:
In XXXX of XXXX I filed my IDR ( Income Drive Repayment ) renewal even though my loans were in Federal deferral. On XX/XX/XXXX, I received a bill from EDFinancial that was not based on my IDR income, it appeared EDFinancial did not process the previous years IDR renewal application because the loans were in deferral because my new IDR renewal is not until XXXX, EDFinancial is charging me based on income over 2 years old due to their failure to follow IDR Renewal Guidelines. 

On XX/XX/XXXX I sent a message through their website : https : //customercareform.edfinancial.com/ it stated I would receive a response in 4-5 business days ; as of XX/XX/XXXX I have not received a response from EDFinancial to properly process my IDR applications. 

I attempted to chat with EDFinancial today only to have their chat crash stating it could not connect me. I tried calling EDFinancial and EDFinancial is not properly staffed to handle phone calls as the wait time at XXXX was 428 minutes or 7 hours and 8 minutes to speak to a representative.

So not only is EDFinancial trying to overcharge Student Loan consumers they have made it impossible to resolve the issues by not responding to customer contact forms and having wait times of over 7 hours to reach a customer service agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account WELLS FARGO HOME MOR which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO HOME MOR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-10-21
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Navient has failed to send out consistent payment reminders. They claim that they did their due diligence to reach out but I do not receive any correspondence. They claim to have sent out letters but we do not receive written correspondence. They have different emails on file and none of them are correct. They also call from unknown numbers that are marked as spam and do not leave any voicemails, therefore I never know who is calling me and for what reason. They also have it documented that they do not leave voicemails when I call and I have been told in the past that they are not permitted to do so. 

My credit score, and the credit score of my co-signer, has dropped significantly due to Navient reporting late payments. But I am unsure how they expect payments to be made if they are not sending out notices to the proper sources of contact and are not leaving any sort of voicemail correspondence. We spoke with them as of Wednesday, XX/XX/XXXX, and they have claimed that they did their due diligence to reach out but this is highly inaccurate as every ounce of information is wrong. 

In addition, an agent from one of the calls made on Wednesday offered to send information via email to file a dispute through a credit union. It is now Saturday and that email has still not been received. I called twice Thursday to follow up. Thursday morning at XXXX XXXX I was told that they will be sending it to an email that should not be on file - I asked them to change the email and they said that would be a XXXXXXXX XXXX process to change it and then another XXXXXXXX XXXX to send out the email with dispute information. I said to leave the email as is so I could just get the dispute information. I called again on Thursday at XXXXXXXX XXXX  as information still has not been received. I was told that this was due to not being signed up for email notices ( no one mentioned this to me in the last two calls ) and that they would set that specific email up for it. I was supposed to receive an email within a half hour from that call confirming some setting changes and then the dispute email in another XXXXXXXX XXXX. It is Saturday morning and I still have not received that information. I will be calling again Monday morning as soon as they are available and will have to call every XXXXXXXX XXXX if the email isnt received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: MARINER FINANCE, LLC
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This is a charge off-write off account that is what's on the credit report. It keeps going up. 
the write off was in 2018 and this charge off account has double in the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I refinanced my loan throu gh PenFed and it was ma ndatory to open an account with them which they call i t Regular Share.  They said that I do n't need to deposit any money to the account, and they 'll deposit a  XXXX  dollar  gift into the account for me. This  XXXX  dollars are unavailable and I can never transfer any part of it to any other account I have. Then I noticed that my monthly payments ar e 9  cents higher than it should be. I mentioned it  to PenFed and they conf essed that they do this unfair activity. They add that "  XXXX -dollar gift '' to principal balance of the loans . PenFed p robably makes couple  of million dollars only out of this unf air transaction. They have done more unfair activities over my refinancing process, thi s one was the most obvious and simple one.

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 2023-09-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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: Problem getting your free annual credit report

Complaint:
To whom may concern, I'm writing to dispute the following information XXXX XXXX XXXX reported a New Account to your XXXX credit file. Source : XXXX XXXX XXXX : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Business Type : XXXX Balance : {$1300.00} supplied BY XXXX XXXX currently reported. I do not owe this bill. XXXX XXXX denied access to my personal information from me. XXXX XXXX will not allow me to get my FREE CREDIT REPORT, DENIED ACCESS TO DISPUTE ANY FAULTS DEBT. They are holding me back from accessing and disputing charges that affect my reputation as a debtor of my creditworthiness. They are retaliating against me for prior complaints to CFPB.

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 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
At XXXX XXXX ET on Fri XX/XX/XXXX, XXXX, at the Chase ATM located at XXXX XXXX XXXX, XXXX, MA XXXX, the machine took my {$5.00} deposit, claimed it was unable to read the bill, said it was giving it back to me, but the cash drawer never opened, and then I got the error message " We're having some trouble. To be sure your deposit went through, please call XXXX. We'll print this number on your receipt. '' There was no receipt given. 

This is the second time this has happened. I have also encountered other people at the same ATM who have come out of the vestibule frustrated that they, too, have lost cash. 

I had written to the branch manager at my branch about this problem before and received no response. I asked the contact center to please repair this ATM, and they disconnected. 

This time, I waited over XXXX XXXX on hold to file an ATM claim with the contact center. I was transferred so many times after going through the XXXX system. 

Will Chase ATM ever get fixed? Will their branch and contact center staff ever respond?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Discover Bank received my IRA transfer on XXXX XXXX 2020. The same day they received my wife 's. 

My wife received the promised interest rate of .60 % while I received a rate of .50 %. 

I have documented that both transfer checks were received same day but mine was delayed for 3 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
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:
Fraudulent pull of my credit report : XXXX inquires XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XX/XX/22 Transunion inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/22

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 2023-03-25
Company: EQUIFAX, INC.
State: MI
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:
I am writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXX Credit Bureau and XXXX XXXX XXXX XXXX XXXX have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-18
Company: PIC Capital, Inc. dba Direct Home Lending
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Applied for loan in XXXX. Completed all paperwork requested. Completed required training in reverse mortgage and obtained certification letter. Completed loan company required home appraisal ( {$700.00} cost ) in XXXX. No communication since that time ( now XX/XX/XXXX ). No one answers phone, emails or text messages. I need immediate status or whether I should apply with different mortgage company ASAP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: SYNCHRONY FINANCIAL
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was charged unexpected interest that accumulated over time. I was never informed by the company that I used to have windows installed in my home that this would be the case with the third party company used for the payment plan, which is Synchrony Bank. 

I called the Synchrony Bank and the XXXX informed me that she attempted to refund me the interest charged, but that she could not override the system because it was past the 30 day grace period. It should be noted, she mentioned that the higher ups block this capability and she agreed this was unfair. 

I would like to inform you as well, that I did not pay off the windows ( loan ) in full because we were awaiting the final inspections from XXXX XXXX and the windows company was constantly remiss in sending the necessary documents for the inspectors. The final inspection did not happen until this summer. This was a constant issue with the window company, which communication has been remiss as well. The Synchrony Bank charged me the interest 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 2023-05-01
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX$720.00} XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$970.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX  : {$2500.00} XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX  : {$970.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$530.00} XXXX Inquired on 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 2017-05-11
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRS BPO continues to mail me letters saying that I owe them money or they are attempting to collect a debt from me.
I have never done business with MRS BPO nor do they have a contact with their company containing my signature. I sent them a letter requesting a contract from MRS BPO   reflecting my signature and they continue to send me letters from  XXXX   XXXX   XXXX   XXXX  instead of documents showing my signature listed.    MRS BPO needs to produce a contract from myself to them with my signature as I originally requested. I HAVE NO CONTRACT WITH MRS BPO. MRS BPO  NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief