BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Okay, this is a complaint about Navient, among other egregious issues as they are just the XXXX 's loan company the preyed on people for years before other lenders decided to do private student loans. Besides that normal problem, for the last month, I have been working with my current school XXXX to defer my loans for another year, as the school mistakenly put my graduation down for the wrong year. The school has done everything possible, they called Navient, they sent numerous documents and updated the NSLDS stating when my new graduation date is. I emailed the company several times I got one response back stating that everything was going to be deferred and then today I got an statement for next month stating that I owe over {$300.00} which I can not pay while I am back in school. So it appears to me that I keep getting lied to by Navient and this company WANTS be to default. The worst part is my XXXX were deferred with no problem. I have to documentation to prove that they said everything was deferred to 2019 and the money they are now asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When opening my checking account with Chase Bank I chose to opt out of any overdraft protection. Back on XX/XX/XXXX I had an available balance of {$9.00} and a debit card charge for {$310.00} came thru on my account which. A used me to be over - {$300.00} overdrawn, but they should have never allowed the transaction to go thru. They allowed 3 more Separate transactions to go thru on XX/XX/XXXX & XX/XX/XXXX while my account was already overdrawn- {$300.00} and then charged me a {$34.00} NSF fee for what they called a " recurring debit charge '' from XXXX which in fact isn't a reoccurring charge at all. Any XXXX charges are random different amounts and not on any set schedule. I then made a deposit into my account which covered any negative balance. I also sent an email message to them at this point expressing my dismay and reminding them my account was opted out of overdraft protection. Then again on XX/XX/XXXX they allowed transactions to go thru on my account causing it to be become overdrawn again. They allowed 4 separate debit card transactions thru, and then access 2 {$34.00} NSF fees on the account as well creating it to go even further negative. Again stating it was for " reoccurring debit card purchase '' for an XXXX transaction that's clearly not a reoccurring purchase. They continued to do this for 8 more debit card transactions on XXXX, XXXX, XXXX, and XX/XX/XXXX. So I again messaged them expressing my concerns for the way they were handling my account as I had chosen to be opted out of any sort of overdraft protection. 
So because they realized they messed up they credited my account on XX/XX/XXXX for {$34.00} for one NSF fee they took out previously and also credited {$10.00} for reversal of some ATM fees as a courtesy for their mistake. This still left my account over - {$400.00} overdrawn. They're still continuing to allow transactions to go thru on XXXX, XXXX, XX/XX/XXXX. So as of today XX/XX/XXXX my account is overdrawn over - {$750.00}. from continually disregarding my choice to have my account opted out of overdraft protection and multiple NSF fees assessed. None of these transactions should have ever been allowed thru/paid. There is no way I can cover this large of an amount to bring my ( only ) checking account to a positive amount. And the fact remains I shouldn't even have to cover this as these transactions should have never been allowed thru/paid. Now because of their wrong actions I'm going to be a sad statistic included in the 22 % of Americans who are unbanked, when I shouldn't be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted a payment on XX/XX/XXXX via the GM Financial XXXX XXXX. I received a confirmation email for this payment. I have logged back on on about 20 times between XX/XX/XXXX and XX/XX/XXXX to pay for the next month. I get error messages every time I try to pay. I can not access my balance anywhere in the portal. When I login it says that I " missed a payment ''. This is not true. I paid my first payment on this lease on XX/XX/XXXX and do not have the ability to pay this months bill. From XX/XX/XXXX-XX/XX/XXXX I have called an estimated 15 times each day. I can not get anyone to answer the phone. Most times I get a voice recording that says they are having " System errors '' and then the phone hangs up. This is absolutely ridiculous. This is unbelievable that a company would make it this hard to pay them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19
Company: Convergent Resources, 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: Account information incorrect

Complaint:
In XXXX of XXXX, I asked for validation of a debt reporting on my credit file by, XXXX XXXX XXXX XXXX . However, Convergent failed to validate this debt. Responding with a letter stating the debt was valid, along with a copy of a XXXX bill. This document serves no merit, my signature is not attached to it, nor does it has an actual contract with proof of ownership attached. However, I 'm in the process of buying a home and wanted to take care of this matter, because it is hurting my credit score. Even though I do n't owe this debt, I needed it handled. I reached out to XXXX XXXX on XXXX XXXX, XXXX to speak about handling the incorrect information on my credit report. I came to an agreement with the company to settle the debt for {$280.00}, set to come from a checking account on XXXX/XXXX/XXXX. This payment was set up by XXXX XXXX XXXX. However, on XXXX XXXX, XXXX I cancelled this payment with XXXX XXXX XXXX until further notice. As I needed to do more research on the bill. XXXX XXXX XXXX assured me the payment had been cancelled. On XXXX XXXX, XXXX an alert was sent from the bank stating a charge of {$280.00} was sent from XXXX XXXX This company initiated funds from my account without my permission! This is 100 % against the law! I have spoken with XXXX XXXX on the matter, and the problem has still yet to be resolved! Convergent is now reported to my credit report account, as legally paid and or paid less than full balance. This is incorrect information and I demand it be removed from my credit report. This incorrect information has caused a tremendous blow to my credit score, due to this inaccurate information reporting. I have spoken with XXXX XXXX management on several occasions. Head manager XXXX XXXX has not helped me in anyway! He only offered a simple, I 'm sorry and this should not have happened! It will not fix the stress this incorrect information has caused. I am requesting that XXXX XXXX, cease all reporting to my credit profile. This company is very unprofessional and untrustworthy. They have caused me grave stress from this inaccurate information reporting. Your help would be greatly appreciated. 

Thank you kindly, 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 2020-02-26
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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account appears on all three of my credit reports. The next company is listed as XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account.The balance due has been inflated and reported as a incorrect amount for years. the balance is now {$0.00} after i confronted them about the incorrect reporting amount and status This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.

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 2018-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
me and my ex wife had a credit card from bank of america before we divorce .the card was close in 2012 with a balance of {$5100.00} and since then this have been on my report have called several times to discuss the situation with them all to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: MD
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:
Greetings : I would like the referenced tradeline deleted from my consumer report. I have written to the company ( Equifax ) on two occasions ( over 60 days ) and have not received a response ( FCRA violation ). Additionally, the company ( Equifax ) is reporting inaccurate in formation ( see credit report attached ). Specifically, there is no 30, 60, 90, 120, time line that led up to my account going into 'collection. '' The balance is incorrect. Equifax is violating the FCRA, FDCPA, and METRO 2 compliance laws. Please help me with these federal law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: BSI Financial Holdings, Inc.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am in the middle of VA IRRRL refi with XXXX XXXX XXXX XXXX. 

I have a loan for an improvement on my home that is currently administered by BSI. They are requiring a subordination agreement and this is the only thing holding up the loan. They have been been work on this since early XXXX and they have made many mistakes and are dragging this process out an unreasonable amount of time. The loan with BSI does not appear on my credit report and was not recorded with the county court house. It took 2 months to get the point where they gave me a list of things needed to be done to start the subordination. 

Here are the issues : *Unresponsive to communications and requests to fix errors when sending my information to the wrong emails that don't exist. 

*Not being able to provide instructions for the subordination for 2 months. 

*Being dishonest about getting the wire transfer. I sent them a wire transfer of a {$350.00} fee on XX/XX/XXXX and they claim they didn't get it until XX/XX/XXXX. 

*Delaying the VA IRRRL process by 4 months so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: CA
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 sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. XXXX is the company that is reporting this to Equifax, XXXX and XXXX and they were not able to remove it on the report. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My wife and I owned a XXXX XXXX XXXX XXXX recreational vehicle ( RV ) that we purchased and financed through Bank of America in XX/XX/XXXX. There was never an issue with the monthly payments or any other issue that could have created issues at the termination of the loan. 
On XX/XX/XXXX, we sold the RV to a couple from XXXX, TX. The couple financed the purchase with a loan from XXXX XXXX XXXX XXXX XXXX for the amount of {$240000.00}. The payoff of the loan would have been approximately {$150000.00} leaving an over payment of approximately {$91000.00} which should have been sent directly back to us. As of XX/XX/XXXX, we have not received the over payment or a satisfactory answer as to why we have not received the funds. 
The check from XXXX XXXX was sent 2nd day XXXX to Bank of America on XX/XX/XXXX. The check arrived at their facility in XXXX, FL, on XX/XX/XXXX, at XXXX AM. See attached. 
I received notice on XX/XX/XXXX, the payment had been applied to my loan and the account was paid off. During the period from XX/XX/XXXX to XX/XX/XXXX, Bank of America continued to charge me interest on the loan. 
I was informed by BoA that the overage amount required it to be held for 3 weeks so they could verify the funds. I had just a few days earlier had a conversation with a BoA employee who stated he had verified the check and all was good. This didn't appear to make any difference in the 3 week waiting period. I was also informed the over payment would be available for release on XX/XX/XXXX. 
On XX/XX/XXXX, I contacted BoA regarding the payment and was told I would have to wait an additional 3 business days to have the funds transferred to my BoA checking account. It is now XX/XX/XXXX, and I have not received the funds nor can any of the dozen or so " associates '' I've discussed this issue with provide me with a date as to when I'll receive my funds.

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 2019-01-29
Company: Westlake Services, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been paid since XXXX and they are still reporting that I owe and its past due. Which it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Fidelity National Information Services, Inc. (FNIS)
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:
This company is reporting inaccurate, out-dated and misleading information on my personal credit report they have damage my good name! and refuse to delete inaccurate, out-dated and misleading information, even after numerous dispute notices, after 6 months of fighting this problem, nothing has change! this third party company has violated the Fair Credit Reporting Act. 
They have fail to send me the documents that I requested after 6 months of disputing They reporting wrong names, Wrong addresses that I never live at. 
They reporting inquiries that I have no knowledge of.

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 2018-01-19
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I made my mortgage payment through Fifth Third Bank that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my Fifth Third Checking account to my Fifth Third Mortgage. I have a confirmation from the Fifth Third Bank online banking history that shows the payment date as XX/XX/XXXX. However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: Avant Credit Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan with this company and gave them all they requested. XXXX   XXXX  they told me I was pre approved subject to income and assets which I sent. They dont call me but send me a email saying Im declined with no explanation?! They are obligated by law to furnish me a letter yet they are making me go through hoops to get this. This is ludicrous! And my credit rights are violated. I want them investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage with Owning Corporation has been funded, but they are calling/emailing me 2 months afterwards saying they need additional documents and rental income information, to provide an investor, which seems like a breach of confidentiality/privacy. I have not provided these documents.

Company response to consumer: Closed with explanation