BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Account XXXX XXXX to my XXXX I was going thought financial hardship and was unable to keep up with my payments. I was so grateful to synchrony bank/ Care Credit for helping me though a settlement on XX/XX/XXXX. Now for about 6 months I've been requesting from synchrony Bank/care credit for a copy of my credit application that started the care credit account on XX/XX/XXXX to see if there are any errors. But they would always respond as if they don't know what I'm requesting followed with a second letter detailing the account history. This is very confusing to me cause I did not ask for the account history. Now I'm asking again though the CFPB for my credit application. If they can't produce the credit application that started this account or it has any errors in it, I kindly request that this account be removed from all 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 2022-03-23
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
citicard has reported the XXXX bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient will not take the time to research my loan history. XXXX XXXX for Navient says " you have satisfied 25 months of your repayment terms, meaning we received 25 satisfactory payments towards the loan while in a Repayment status. '' This information is inaccurate. I have never been in default and I have made more than 25 payments on this loan, I've been paying on it for over 10 years. How can she say only 25 payments when for 3 years my Chapter XXXX paid {$500.00} a month for 3 years which equates to 36 months. After my BK was discharged, I took the payments over in XXXX or XXXX of XXXX, that in itself is almost 30 payments. Those two scenarios equals 55 payments so how can she say only 25 payments have applied to my loan. I don't understand how Navient is applying payments other than ripping people off so loans never get paid. I could understand if I was behind or not making payments but I have been paying on my loan and am not getting the credit and the respect for being responsible. Help me understand how they only show 25 payments when payments have been made since XXXX? If this was to be a 20 year loan, 10 years have passed, why is Navient asking me to make 17 more years of payments. What happened with the payments from XXXX to XXXX? I have documentation from my Trustee showing over {$7000.00} paid on my loan, why isn't this showing up in my payment history? I have documentation showing {$15000.00} was paid to XXXX for my student loan. Why hasn't this been communicated to Navient and what is the relationship of XXXX to Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: First Data Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been dealing with a bank called XXXX XXXX which is through my school, XXXX XXXX XXXX. Someone got my card number and pin number and used it. I called the bank and advised of the fraud. I sent the paper work they sent me but before they received anything from me ( because I was told by the bank my paper work was Never received ) they denied the claim. I sent an appeal letter and is been a month no one has contacted me. I have been told many times someone from the fraud department will call me. I finally did receive a call where as soon as I picked up the call disconnected. The second call someone name XXXX leaves a phone number and a extension XXXX XXXX. I was able to call and leave a message. When I called again suddenly the extension is invalid. 
I called the bank today spoke with a supervisor who told me Fraud Department has recently changed how they handle disputes.Suddenly they no longer take calls, all calls are handle through the Escalations Department. I was told this is a recent change. All they will tell me is whatever is on the account they will let me know when I call of any updates or they will send something in the mail. It has been over a month of course there has been no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023, I have paid off more $ XXXX in student loans and I currently have a balance of little over $ XXXX. However, the XXXX credit reporting agencies ( Experian, XXXX, and XXXX ) all do not show the current balance, but it shows the old and outdated balance of over $ XXXX. In addition, the credit reporting agencies show that the last time the loan servicer, XXXX, provided balance information was in XXXX or XX/XX/2023, which is almost 6 months ago. I am actively trying to apply to mortgage to purchase a home and my credit score is negatively impacted by XXXX 's failure to send the most current balances of my student loans to the credit bureaus. I have called and emailed XXXX about this matter, but they had not yet provided any response. I have opened disputes with XXXX out of the XXXX credit bureaus, Experian and XXXX. 

XXXX must send my current loan balances to the XXXX credit bureaus immediately. Until then, their inaction and failure of their duty to report balances to credit bureaus is harming my credit score and costing me real money in the form of getting higher interest rates that I do not deserve.

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 2023-11-30
Company: Experian Information Solutions Inc.
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:
On XX/XX/23 I sent a dispute letter to Experian regarding an account on my credit report by the name of XXXX XXXX. I informed Experian that they were reporting inaccurate information because I have never been late on this account. XXXX and XXXX are not reporting any late payments, so I am confused as to why Experian is furnishing this incorrect information. I have already asked your company to validate the inaccurate reported late payments and you have failed to do so in over 60 days which is a violation of the FCRA and negligence. Please see the attached dispute letter and remove the aforementioned account and unauthorized inquiries from my credit report immediately.

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 2020-06-23
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan and my previous lender/servicer ( BB & T ) charged {$31.00} unusual fee ( Document cancel fee ) plus one extra day of interest ( {$74.00} ). I wired pay off amount a week before funding date to the settlement company and as I know they wired it the same day as the scheduled funding date ( XX/XX/2020 ).

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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is a Formal Complaint against Bank of America Regarding Deliberate, Unjustified and Unwarranted Delay in Processing Refund Claims. These delays are now causing me severe financial hardship. This intentional failure by Bank of America not only contravenes established banking practices but also subjects me, the client, to significant financial harm and undue stress. On XX/XX/2023, I initiated two refund claims with Bank of America in the total amount of {$4700.00} [ Claim # XXXX {$2000.00} AND Claim # XXXX {$2700.00} ], pursuant to a transaction involving " Real Qualified ''. The Vendor, acknowledging the legitimacy of the claim, has promptly AGREED TO REFUND THE DISPUTED AMOUNTS. Documentation submitted to Bank of America, including the Vendor 's evidence of unsuccessful resolution of both disputes ; along with the Vendor 's acknowledgment and FULL INTENT TO REFUND. Despite the Vendor 's compliance claim and the conclusive evidence presented, Bank of America has intentionally and maliciously failed to process the refund in a timely manner, violating its duty to act promptly and in good faith under applicable banking regulations. In addition to the financial hardship, I wish to bring to your attention that I have called Bank of America 's Claim Department multiple times, nearly daily. Each time I call, I am informed that the " Back Office '' is responsible for resolving this matter. However, there is no available means to contact the Back Office directly, whether by phone, email, or mail. In light of the Vendor 's acknowledgement and the evidentiary support provided, Bank of America 's continued failure to process the refund constitutes a breach of fiduciary duty, a violation of federal banking regulations, and a breach of the duty of good faith and fair dealing implicit in the banking relationship. I respectfully request that the Consumer Financial Protection Bureau of the Currency conduct a thorough investigation into this matter, compel Bank of America to promptly process the refund, and take any necessary corrective actions to ensure compliance with applicable banking regulations. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness, transparency, and consumer protection within the banking industry.

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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
My property is in XXXX, Hawaii and I am very affected by the wildfire disaster. I have not been granted any forbearance all though I have requested one, and I qualified for one as my work place was destroyed in the fires. 
I believe Bank of America and Their investor XXXX XXXX XXXX XXXX  are using the guise of a modification to gain interest income and force me to lose my home with a XXXX ballon payment. 
XXXX XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX 
XXXX Applied for an was denied HAMP Modification without giving any valid reason. 
XXXX 18 month forbearance due to loss of income from XXXX. 
XXXX Granted Forbearance for {$110000.00} added to XXXX due at end of loan ( Maturity or sale ) XX/XX/XXXX Applied for and was granted a modification due to XXXX related hardship and unaffordable payment ( interest rate was also going up XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Given incorrect information about payments, my XX/XX/XXXX payment was applied to XXXX trail modification. 
XX/XX/XXXX Made XXXX XXXX Modification payment I was never disclosed the terms of the modification until XX/XX/XXXX The terms when disclosed are PREDATORY in the guise of an instrument that should allow me to KEEP my hom, not just for a few years BUT FOR MY LIFETIME. Keeping affordable payments. 
Instead, it creates a huge debt by placing the forbared amount back into the loan. Recasting the loan at a 40 year duration, with a fixed ESCALATED interest rate that starts at XXXX and goes up a percentage each year XXXX until fixing at 8.25 % for the final 4 years, making the payments not affordable and THEN a XXXX BALLOON payment due in XXXX when I should be owning my home outright. 
In calculations this ill provide the investors with MORE interest income then my current loan that would be paid off at the same date the modification would create a XXXX balloon payment. This would mean I would loose my home if I could not produce those funds in some fashion, which is not a reasonable assumption. 

Since this offer is predatory and I was forced into partial payments before knowing the terms, nothing should be reported to agencies as I am still making partial payments as agreed, until an acceptable, ethical and non predatory modification is offered.

I am prepared to take legal action for the many times Bank of AmericaXXXX has failed to provide the relief they have agreed to give to consumers such as myself and taken XXXX of dollars to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm XXXX XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  XXXX Balance : {$0.00}

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-04
Company: ROBINHOOD MARKETS INC.
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 usually purchase and sell stocks with the Robinhood online investment company. In early XX/XX/2023, while I had {$16000.00} in cash available, I wanted to buy about {$4000.00} worth of shares of XXXX. The reply from Robinhood was that I did not have enough buying power, which was false. That forced me to make two separate deposits of {$4000.00} and {$2000.00} on that same day. Even then I could not buy the XXXX stock because Robinhood insisted I did not have enough buying power. Few days after, all my cash, {$22000.00}, disappeared from my account and all my existing stocks were sold without my permission or knowledge. Worse, a XXXX account under my name was created by someone else. 
Robinhood is not answering any of questions, except in general terms. They said there was no problem on their end. 
The XXXX  created by someone else, but under my name has a deficit of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive contacted XXXX  XXXX XXXX department via customer service several times over the years the latest was XX/XX/2022 and they keep verifying the account as mines and I was incarcerated during the opening of the account from 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 2023-11-30
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$430.00}

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 2022-02-15
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: Credit inquiries on your report that you don't recognize

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021, I hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company above to pull or review my consumer report. Additionally, I have not given XXXX, XXXX or Transunion permission to to furnish this information. Having understood this is a violation 15 USC1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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 2022-03-29
Company: EQUIFAX, INC.
State: MD
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 am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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