BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: AES/PHEAA
State: NY
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:
Fedloan stole {$12000.00} from my bank and has not applied it to my student loan balance. 
I made a {$12000.00} payment to FedLoan on XX/XX/22. One day later, on XX/XX/22, I tried checking my account but received an error message that they no longer service my loan. When I called Fedloan, they acknowledged that they still have my loan and see my payment, but can not show it to me. When I log in to the Fedloan website, there is no record of my loan amount or the payment I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Grain Technology, Inc.
State: VA
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:
Grain has been reporting incorrectly to XXXX & XXXX for MONTHS! And this is messing up my credit profile. They originally had fixed this issue, but now they are reporting it as a charge off AGAIN! I have attached all my billing statements directly from grain to show that this account is active and not charged off and I have been making on time payments multiple times. I am interested in seeking legal help in this matter if it is not resolved. I would prefer the credit bureaus delete grain off my credit profile completely since the reporting has been an utter mess. The account has been paid and current for over a year. Please help me in getting this matter fixed. If you need every credit statement I have I can also send that over.

PLEASE HELP! The account is NOT charged off!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: DISCOVER BANK
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I called Discover and asked for repayment assistance on my student loan. Discover offered no repayment assistance and the customer service representative gave me false information, saying I could " pay one account at a time '' because " Discover doesn't report late payments to credit agencies. '' This false information clouded my understanding of their payment policies. On XX/XX/XXXX, after bringing my account current with a payment, I realized that my XXXX credit score decreased by 103 points, even though I've made 22 on-time payments. 

Discover 's zero-tolerance policy for repayment assistance and misinformation about payments and credit reporting severely damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was a customer with Bank of America deposit {$30000.00} during that time I watch my money coming over away with high cost and high fees by Bank of America I feel I was probably taking forward {$3000.00} of the settlement money that I received

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 2019-12-02
Company: EQUIFAX, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
I had set a credit freeze for my Equifax credit report after hearing about the hack. I had lived in a different address at the time. I called a few years later to unfreeze my credit report for a mortgage. I had to verify my identity to do this. That is fine I am all for being extra cautious. The address I currently live at wasnt updated on equifaxs end. They locked me out of my online account as well. Thats very annoying but fine in the name of security. I to fax in my driver license and send in a cable bill to prove my identity. Also very annoying but fine again. I called as well and they grilled me on my credit history. All answers answered correctly and they assured me my credit was unfrozen and that my account with them online would be working. They said it would take about an hour to be activated. I check back in an hour and nothing is working. So I called back and they said the system is updating so call back. I have called and called and they keep coming up with many excuses to keep from having to deal with this issue. Im not sure what is going over there but after I have proven my identity I feel like they are just preventing me from getting my credit unfrozen unjustly. This has been going on for a few months now. I just cant get any strait answers from them. I feel like this is the only way for me to get any answer. If they need more identity verification then they need to let me know instead of keeping me in the dark and coming up with XXXX excuses to avoid giving me any answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account ( WELLS FARGO BANK XXXX ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ( WELLS FARGO BANK XXXX ) 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 2023-10-20
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was over drawn less than {$2.00} on XX/XX/XXXX. I called Truist to see if they could waive the fee but they refused since I had a fee waived in XX/XX/ XXXX They refused to provide further information and it seems to me that they are simply stealing my money.

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 2022-12-24
Company: Experian Information Solutions Inc.
State: VA
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:
Good afternoon, This is in response to report # XXXX ; XXXX ID XXXX. I tried to submit this data on experian website but of course their site does not work and errors out. I'm extremely upset and I will need a manager in order to resolve this issue. There is seriously something wrong with the representatives at experian. To make a long story short a dispute was open on all three of my XXXX XXXX accounts for no reason! I called in and told them to cancel the disputes and the next day I looked online and all three of the accounts I have with XXXX XXXX were deleted from my credit report. The only thing that needed to happen was my credit limit with experian needed to be updated and I felt like the rep did not know what they were doing so I told them to please cancel any disputes with XXXX XXXX. Sure enough I checked online and it said all 3 of my accounts had been deleted. I'm in the process of closing on a mortgage and this is going to affect me negatively. THESE ARE MY ACCOUNTS AND THEY NEED TO BE PLACED BACK ON MY CREDIT PROFILE THESE ACCOUNTS SHOULD NEVER HAD BEEN DELETED. I feel like the representative did this on purpose. This is the 3rd time experian has deleted on time payment history that they should not have and they never fix the issue and place it back. This is so upsetting! The credit bureaus are always doing something wrong! This is so unfair to consumers and stressful because now I XXXX not get my mortgage because this affects my credit score.

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 2023-10-20
Company: JPMORGAN CHASE & CO.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Signup is clearly broken, and there is clearly an error in my account, but they will not admit this is going on, just saying " try again later '' - customer service puts me on interminable hold over and over again, has had me try all the browsers, and clearly is just waiting for me to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Nelnet, 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:
I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including Nelnet. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Credit Adjustments Inc
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been attempting to arrange a repayment agreement based on income, I sent all required documentation in a pre-paid XXXX XXXX  envelope, have receipt dated XX/XX/XXXX XXXX received phone call 2 days later stating " all requested documents not in envelope '' but as conversation went on suddenly they found several more documents being uploaded. spoke with supervisor who apologized and stated " we have hired a lot of new people and they jumped the XXXX calling you before everything had been uploaded ''. also told supervisor at that time that harassing calls before XXXX XXXX Central time were going to cost me my job, 3rd time I told them not to call before XXXX XXXX. received another call on Thursday XX/XX/XXXX documents ( copies of paystubs never found ). was sent an email with upload link and uploaded requested documents at XXXX. XX/XX/XXXX received phone call at XXXX XXXX   XX/XX/XXXX stating they sent letter to begin garnishment because requested documents were not sent. AGAIN uploaded while on phone with agent and response was " we seem to have a glitch in the system ''. This company has NOT got the resources or trained staff to assist in loan rehabilitation and are ATTEMPTING TO DELAY MY DOCUMENTATION to enable themselves to garnish rather than work with me on payment agreement. 
Credit Adjustments, INC. 
XXXX XXXX XXXX XXXXXXXX XXXX NH XXXX I have done everything as requested BUT they are failing on their end. I have recorded the last conversation with representative stating " glitch '' and have screen shot showing upload completed but this company stating it does not have the uploaded documents ( paystubs ). BLATANT act of incompetence or malicious maneuver to pursue garnishment.

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 2020-01-22
Company: Possible Financial Inc
State: ID
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 company reported my late for XX/XX/2019, XX/XX/2019, and XX/XX/2019 when I would not had been late had their customer support responded to my emails sooner. The only way to contact this company is via email. It took them over 24 hours to respond when I needed my bank account corrected since their online system wasnt allowing me to change it. When I finally got a response it was too late and they reported me late for XX/XX/2019. Same thing happened on XXXX and XX/XX/2019. They had the wrong bank linked to my account so I tried to change it again but their system wouldnt allow it. After another 24 hours and back and forth emails they finally manually processed my payment but again it was late because of the lack of customer service and the poor their application having so many glitches.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX hit me hard and my life havent been same finically I had discover credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out this student loan for {$1000.00} in XXXX. The loan was sold to navient. I paid {$600.00} dollars back in XXXX, in which I don't have the proof anymore and neither does Navient. I received several phone calls and emails about paying the bill. Navient has falsely reported on my credit report that I owe {$1700.00} when I only owe {$400.00}. This is a XXXX XXXX XXXX debt that should be removed from my report and I shouldn't have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In previous months, I requested to update the inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to UPDATE the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
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:
trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, XXXX and Experian, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. Experian has a XXXX XXXX collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/2019 and the other is for {$1300.00} with an open date of XX/XX/2019. XXXX has only one listed with is {$5600.00} with an open dated of XX/XX/2019. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these accounts.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i have some wrong address under my account

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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was reviewing my credit file and noticed some inquiries from merchants who I have not applied for credit from. I have an open dispute with trans union so they wont allow me to dispute the inquires attached. Please help me with this matter

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 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with ( CAPITAL ONE XXXX XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX   and XXXX ) and ( CAPITAL ONE XXXX XXXX ) with no successful resolution. ( XXXX ) only reporting me late. There was definitely an error on their part. I was never 60 days late ( Date of Late Payment )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I've had my car with US autos for 5 years. The car loan originally was XXXX. How after 5 years I still owe {$10000.00}. I believe US autos was not taking my money and put it in it towards my car. I don't know what they were doing with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX XXXX XXXX  - has violated my rights UNAUTHORIZED INQUIRY : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation