BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After graduating from XXXX School in 2005, I attended XXXX University. During my tenure as a student, I acquired significant private student loan debts ( mostly through Sallie Mae, now Navient ) to try to stay afloat. I was not able to secure much federal aid due to my parent still claiming me as a dependent. I did not end up attaining a degree from XXXX University nor have I since entered a career space based on my studies there ( XXXX XXXX ). I was never living some high life with a new car or a nice place to live. 

After dropping out of XXXX due to financial reasons -- looming student loan debts with no means to secure enough educational funding to continue -- I eventually entered the workforce via the best means available to me without a degree. Despite having steady, salaried work for years ( 30-45k per  year ), I could not make a dent in my loan debts being barely able to afford the monthly minimums on top of basic needs ( food, shelter, transportation ). There were multiple times after I lost my most recent job ( XXXX ) and I returned to school, that forbearance was offered to me as an escape from default. 

Currently, I am an a better financial position in a secure, degreed career path. However, the private loans still loom in greater amounts than ever before. I'll be able to scrape and scrounge to try pay them back in the next 10-15 years while any chance of owning a home or moving forward in life before turning XXXX quickly vanishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I have given them all the prof of documents that paypal asked me XXXX XXXX and I have been able to transact properly within 48 days I have been using paypal but suddenly I received no longer business in my account with paypal last XXXX XXXX I don't know what I did wrong..I tried to talk to paypal but the auto bot keeps saying that my paypal can't be used, I hope it can be returned because I use it for my business, thank you very much Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Revolut Technologies Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my second complaint in an attempt to remedy the situation. 

My Revolut Business Account has been temporarily blocked for the last 15 weeks. I can not access the account via the app or online. 

I have attempted to contact Revolut Business via the online chat system and have not received a satisfactory response as to why my account is blocked and when I can get access to my account funds over the last 15 weeks.. my last chatRevolut requested a copy of my passport and a picture holding the passport and new banking information where the funds could be forwarded. This was provided. I have not heard from Revolut in that time. I can no longer access Revolut support using my standard credentials The customer service is extremely poor with no ability to call and speak to a bank representative. All communication is done via chat through the application. Very often responses takes several hours during a chat. 

I would just like to access my money and close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: GA
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-07-08
Company: Affirm 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:
In accordance with the Fair Credit Reporting act AFFIRM INC 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I sent {$300.00} to someone through Bank Of America 's app using XXXX, to buy tickets for a comedy show. As soon as the user received the money, they blocked my phone number and did not send the online tickets. 

I immediately called my bank to cancel the transaction but they said that because the payment was authorized and completed, there was nothing that they could do. 

I've also reached out to XXXX directly, but they've told me that they don't cancel completed transactions.

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 2018-04-20
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello - My name is XXXX XXXX. I have had continued issues with XXXX XXXX XXXXXXXX and I need serious help with them. 

I went through a modification with them back in XX/XX/XXXX. In this time they would not take payments from me because they said it was going through the process of modification. This took a year of continuously sending them bank statements and profit and loss statements and so on and so on. I would talk to one person at the company and they would tell me something different then someone else. This would go back and forth of them telling me something wasn't right on the paperwork or they never received it. 
After a year of going through this then they tell me that my mortgage has matured. I knew nothing of this as my ex husband did the loan. I then contacted AHEAD and they helped me to go between the mortgage company. All paperwork was done over again. Back and forth. Meanwhile my payoff amount went from {$49000.00} to {$60000.00}! I filled out the paperwork signed the final paperwork for approval of modification on another fifteen years. Had it notarized as requested by them. Sent it to them and Ahead. I got paperwork stating from them congratulations my modification was approved. Relieved and finally able to sleep at night. However it was short lived. A few days later I get a letter stating oops we were wrong! You need to have your ex husband sign the modification as well. I told them I had explained several times before that this was not an option and that's why I sent them copies of the quick claim deed that he no longer has anything to do with the mortgage and that he has a life time restraining order on him from the courts and was not allowed anywhere near myself or my kids. I told them I've gotten a modification before and they excepted it. They told me they can no longer except that and if he doesn't sign it, my house goes up for foreclosure. As you can imagine I'm devastated about this and losing sleep because Im going to lose my home my family was raised in. I've lived on that land for thirty years and the thought of it being taken away because I can't get a signature from a man that hurt myself and my children is just unreal. Please I just need to know what I can do to save my house. Going to another mortgage company isn't an option right now. My husband and I own a small business and can not get loans at this time. 

I tried making XX/XX/XXXX Payment and now the agent whos ID number is # XXXX said they will no longer except mortgage payments from me because they didnt receive the second set of modifications they sent me with my ex husbands signature on them. 

I dont know where else to turn. 



XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, 3 unauthorized ACH transactions occurred in our checking account in the amounts of {$2100.00}, {$6100.00} and {$5200.00} We reported the unauthorized transactions to First Citizens bank on XX/XX/2019. 

The bank refused to refund our money insisting that we didn't report the error the next business day. 

The online banking doesn't show up until the day after, so we wouldn't have the ability to see the transaction until XX/XX/XXXX. The bank was closed on XX/XX/XXXX. So we did in fact report the error the next business day - XX/XX/XXXX. 

The bank is not refunding our money that they allowed to be withdrawn without our consent. 

Even if we had waited an extra day - the bank 's policy is absurd. How can we be expected to check our account daily for fraud? Especially over a holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Albert Corporation
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Albert has unauthorized deductions on my account several times and several weeks in a row. One week they apologize for a system failure and the next week they take back the refund plus more.

Albert is a scam and I hope this place gets shut down.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Hello, This complaint is in regards to Experian and their business model of luring people in with a " free trial '' then charging them $ XXXX per month without the customer knowing it. I did not know I was being charged for over a year and lost upwards of {$240.00} without getting any value from the service. 

I am definitely not the only person that this has happened to - in fact there are probably thousands of people who have fallen victim to their business model of tricking people into subscriptions that offer no benefit to the " customer ''. 

Here is a small sample of people who have been defrauded of money by Experian then been denied a refund : https :XXXX I am sure Experian 's business is propped up by their predatory practice of charging people who do not know they have agreed to a subscription that offers them absolutely no benefit. 

The Consumer Financial Protection Bureau exists to " protect consumers from unfair, deceptive, or abusive practices '' and I can hardly think of a better example than Experian as a company who relies on deceptive practices to keep their business running.

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 2023-10-13
Company: EQUIFAX, INC.
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting countless CFPB complaint to request the removal of the fraudulent items from my Credit Report. But despite the multiple written letters I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA section 605b, I am ordering the Credit Bureaus to DELETE the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX 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 2022-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter 7 Bankruptcy XXXX XXXX # XXXX In XXXX of 2016, I filed for bankruptcy. Since then the bankruptcy has been discharged and is reporting on my credit reports. 

I sent a letter to the XXXX XXXX XXXX Illinois asking them to verify the information that was reporting to the credit bureaus, Experian, XXXX and XXXX and the XXXX XXXX XXXX XXXX responded saying that they do not work with any credit bureaus. 

I have previously disputed with Each bureau XXXX, XXXX, and XXXX an in response they reported the information as accurate, stating that the information was verified with each bureau. That has been found not to be true since the courts veriifed that they dont work with credit bureaus. 

I am requesting that this bankruptcy be removed from my credit reports since the courts stated that they do not work with any credit Bureaus.

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 2018-04-20
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: Account status incorrect

Complaint:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported inXX/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 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX , XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-14
Company: EQUIFAX, 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:
i have not supplied proof under the doctrine of estoppel by silence, Englehardt vs Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

REPORTED INCORRECT ITEMS ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: TX
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was directed by my school ( XXXX XXXX XXXX, now closed ) to apply for private student loans with Navient in XXXX. The original balances were {$10000.00} and {$9100.00}. I have made my {$450.00} payments every month since XX/XX/XXXX, besides when I was in-school deferment or financial hardship forbearance, never going into default. It is now XX/XX/XXXX, and those private student loans have current balances of {$24000.00} and {$10000.00}. The interest rates are are 12.25 % and 7.25 %, respectively. 

At the beginning of the pandemic, I decided it was a good time to go back to school. First, to be able to finally finish my XXXX XXXX XXXX, but also because I could not afford to pay my private student loans, which did not qualify for the federal government 's student loan freeze. I began classes in XX/XX/XXXX, but was just informed by Navient that I have reached my limit of 48 months of in-school forbearance, which I do not recall ever being informed about. 

Private student loans can not be consolidated, or put on income-based repayment. I reached out to Navient to try to refinance these loans, but they informed me that they are not currently offering refinancing. I reached out to other student loan servicers XXXX, and XXXX, but they also can not help me. I am feeling hopeless that I will ever be able to pay off these loans are the balance seems to just go up instead of down. It is my belief that the interest rates that Navient is charging are exorbitant, and their unwillingness to offer me anything else besides more forbearance, which increases my loan, is unfair and unreasonable.

Company response to consumer: Closed with explanation