BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.

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 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
{$800.00} was fraudulently taken out of my account on XX/XX/XXXX at a Bank of America ATM. I upon noticing immediately contacted Bank of America and reported it as fraud and opened a claim. I then set security measures on my account to prevent further fraudulent ATM withdrawals. I was debited the amount pending an investigation. On XX/XX/XXXX {$1000.00} was taken from a Bank of America ATM in XXXX when transactions on my account show that I was in XXXX at the same time. On XX/XX/XXXX {$1000.00} was taken out from a Bank of America ATM in XXXX. On XX/XX/XXXX {$1000.00} was taken out of a Bank of America ATM in XXXX XXXX and on XX/XX/XXXX {$1000.00} was taken out of my account from a Bank of America ATM. Upon realizing these fraudulent charges has occurred I contacted the bank again and opened up a second claim for {$4000.00}. They debited me the money pending an investigation. They although having access to all of the evidence they could need, ( ie cameras, bank statements, etc ) found my case to be " no fraud found. '' I immediately reopened the cases and was told that unless I was able to provide them more proof that the decision would not be changed even though they have not proven that I was negligent or that I committed the fraud. I decided to file a police report. After doing so Bank of America sent me two letters stating that they had reinvestigated my case and had found that my account had been tampered with and they found fraud and that I would be receiving the money back. 11 days after the letters I still had no access to my online banking account or anything. I called Bank of America and they informed me that although my case had been settled that it was once again overturned due to new policies and that I would need to fax in a copy of my police report if I wanted them to escalate and reopen my case again. In addition they had removed the credit of {$4800.00} which then put my account into the negative. During that time a couple of my unemployment deposit hit my account and they took that money out to cover the difference due to my account being in the negative. So they did not protect my money in the first place, have revictimized me all along with the way, I have been given completely contradicting information from every single representative I spoke with, and now they are stealing additional money to cover my account balance being in the negative.

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 2018-08-04
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My credit score is over a seven hundred and I have no late payment and zero utilization on my current credit card. I meet all of the requirements for a Discover Card listed on their application process but still was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Good Day, I am writing to you today to request that my credit report be updated to reflect the correct information. I pulled my report from XXXX today and it is showing XXXX. I am not sure what happened buy my credit score dropped by 72 points. 
I have copy and attached the information from the XXXX Website and Also XXXX Report Number : XXXX Date Generated : XX/XX/XXXX Potentially Negative *****The accounts below were included in a Chapter XXXX Bankruptcy. XXXX Bankruptcy # XXXX Discharge Date XX/XX/XXXX so they should not show as late or unpaid. Please contact the reporting agency to update the information. 

XXXX XXXX/XXXX Dispute XXXX XXXX Dispute XXXX XXXX/XXXX   Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX/XXXX XXXX Dispute XXXXXXXX XXXXXXXX XXXX/XXXX Dispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 37 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 26 accounts, 6 potentially negative Inquiries For Accounts 4 hard inquiries Not Disputable Online.

Public Records No public records reported ******Bankruptcy not showing and Negativley reporting as NOT PAID or LATE******

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
we are the XXXX ; on XXXX we ( XXXX ) found XXXX XXXX usages in XXXX, XXXX notified the bank of America branch office here in XXXX, XXXX. they removed XXXX. then there was {$60.00} with draw on same day after they canceled all cards. next, they move deposits after they subtract money from account. makes XXXX overdrawn. when you look again the transaction are gone.correct this and return all monies back.

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 2019-08-30
Company: REGIONS FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

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 2018-08-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Tuesday, XX/XX/2018, I ordered {$180.00} worth of clothing from an international company XXXX located in XXXX XXXX through PayPal. On XX/XX/2018, I checked the tracking number of the merchandise through the company 's website. The company showed the items were delivered to my address in XXXX, NY on XX/XX/2018. I live at a private residence and I checked with everyone who lives in the household and surrounding neighbors to see if they may have my package. They all assured me they did not have the package. I notified the company directly in early XXXX that I did not get the items. The company asked me to check with my local post office ( XXXX Post Office ). On XX/XX/2018, I went down to XXXX 's post office with the tracking number and asked if my package was still there. The clerk referred me to the supervisor who informed me the package was misdelivered and they were working to retrieve it from the address where it was delivered to. After going back and forth with the post office for weeks I was told they could not retrieve the package and I would not be able to file an insurance claim through them because I did not take out insurance through their ( USPS ) organization to cover my loss. My last alternative was to ask Paypal to investigate the matter and that I had proof that I never actually received my package despite what the tracking information showed. Paypal  Credit refuses to give me a refund although the post office and the company agreed that the package was lost.

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 2017-01-20
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 've been paying my loan with Navient since I graduated in 2009. I have n't missed a payment. My current balance is {$8600.00}. The original loan amount was {$9000.00}. How am I supposed to get ahead at that rate?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After being notified this week about my personal information being compromised in the Equifax data breach, I was unable to place a credit freeze on my credit report online. Equifax on line system resulted in a " system error XXXX. '' I tried to contact Equifax via phone but the waiting time is 'forever. '

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TRANSWORLD SYSTEMS INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I acquired roughly {$5000.00} of debt in XXXX. Within the last couple of months, now in XXXX, payments are being withheld from my paycheck from Transworld Systems , Inc. My tax returns from the last 6 years have been withheld amounting roughly {$6000.00} because of this. I just received a bill stating I still owe roughly {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
For the past three months various phones from the XXXX company have been calling me at least once a day indicating that they want to provide information about trips that I have won and things of that nature. Every time a recording machine calls and even after using the option for them to take me off their list they are still calling. 
The numbers are the following : 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 2017-02-18
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Applied for Income Based Repayment plan with Navient, for which I easily qualify ( household=1, Income= $ 12K ). Was only requesting IBR on new loans ( between 2014-2016 ) that I took out as a XXXX, independent student. 

Was initially told it would not be a problem, but was then denied. Was given an excuse about how they handle my loans internally within there payment processing system, but was told that they could change that and everything would work out no problem. 

Was denied again. Every time I called them, I was given a different excuse for why they could n't do it. Was eventually told reason for denial was because I also have one old ( 12 years ago ) XXXX loan that they are servicing. They told me that I would have to have my ex-wife approve the new repayment plan on my solo loans that were taken out 10 years after our divorce. 

After constant complaining ( they would never let me speak with a manager or supervisor ), a customer service person told me that I could get the IBR if I consolidated my loans. I was assured that this would work, since I would get the opportunity during consolidation to chose a repayment plan for just those loans being consolidated, Consolidation went through but they denied the IBR repayment plan again. But the IBR repayment plan application should have been applied only to the loans I was consolidating, for which I am qualified. No explanation given. 

At this point, I 'm convinced that Navient are just straight up liars. I really thought for a long time they were trying to help me, but there hands were tied. But in the end, they lied to me, and now I 've consolidated my loans at a higher interest rate and am still being denied the IBR plan for which I qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. Bankruptcy Dismissed Ch XXXX Acct XXXX, XXXX, XXXX ( XXXX, XXXX and Transunion ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX  XXXX  Acct XXXX ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion ).

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 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
A few months ago I reviewed my credit report and noticed personal information that did not belong to me. I immediately called and a representative told me that it would get corrected but it never happened.

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 2018-06-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I received a phone call from a man who said he was calling from an attorneys office and during the phone call said that they could possibly garnish my wages and that I needed to set up a payment arrangement of 3 bi weekly payments of {$100.00} in order to avoid them garnishing my wages ( prior to this phone call I had never heard of this company or been notified via mail or phone that my file had been transferred to a collection agency ) .I asked my girlfriend to call him for me because she works in the XXXX XXXX and understands the process more than I do. She was able to talk to him regarding my debt without me having to give authorization he asked her if the last 4 of my social was -- -- and asked her for my birth date and that is the extent of his verification, he after all of this told her that the call is recorded. She offered to have me get on the line and give authorization before he tried to verify my information with her, but he did not require her to do so. He told her first that their office doesn't make outbound calls after calling me not even 30 min before that. He also told her I owe {$310.00} and that I can make payment arrangements but that they have not attempted to take legal action yet. He claimed that he did not say they would garnish my wages but that if they decide to further legal action they could possibly do that after she told him she works with the legal department of a collection agency. He said his name is XXXX XXXX and the phone number she reached him at is XXXX he said his ext is XXXX. She attempted to call back about 5 min later to get the name of the company but no one answered the phone and the voicemail stated there name is XXXX XXXX XXXX XXXX. and that their office was closed. I feel extremely violated. Not only have they been consistently calling me and harassing me I felt he was trying to intimated me or threatening me. I want him to be aware that the way he went about this call was not OK and from what i saw online a lot of people complain about this company threatening them and harassing them and believe they need to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COLLECTION COMPANY NAME. CREDIT SERVICE. DATE OPENEDXX/XX/XXXX WITH COLLECTION. FIRST REPORTED XXXX.ORIGINAL BALANCE : $ XXXX.RECENT BALANCE {$1400.00} AS OF XXXX.THIS COMPANY CONTINUES TO REPORT ON ALL THREE OF MY CREDIT REPORTS INTEREST ON THE ORIGINAL AMOUNT $ XXXX.THIS IS A MEDICAL BILL, NOT A LOAN. THEY CAN'T ADD INTEREST ON A MEDICAL BILL. I'VE DISPUTED THIS SAME ACCOUNT MULTIPLE TIME WITH THE CREDIT REPORTING AGENCIES. THE DISPUTE PROCESS IS SUPPOSE TO BE 30-60 DAYS FOR VALIDATION TO BE DONE. I'VE DISPUTED THIS AGAIN A COUPLE OF DAYS AGO AND IT HASN'T BEEN 30-60 DAYS. I RECEIVED A MESSAGE ON MY CREDIT REPORT WEBSITE THAT REPORTING AS ACCURATE INFORMATION. IT'S LIKE THE CREDIT REPORTING AGENCIES ARE NOT DOING A FULL INVESTIGATION. THIS INFORMATION IS TRUE ... I CALLED THERE OFFICE TODAY XXXX TO VERIFY THERE ADDRESS, THE ACCOUNT # XXXX AND GAVE MY LAST OF MY SSN THEY PULLED ME UP IN THERE SYSTEM. DON'T LET THEM TELL YOU THAT NO RECORDS ARE FOUND ON ME THERE LIARS! 

" NOTE THE ORIGINAL CREDITOR I NAME IS XXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over the past 12 months my monthly payment for my private student loans through Navient have steadily increased. On XX/XX/XXXX my monthly payment was {$740.00}. By XX/XX/XXXX, the amount increased to {$750.00}. The amount increased again just this month, XX/XX/XXXX, to {$760.00}. My loans are private and have a variable interest rate so I do understand that these rates will fluctuate from time to time. However, prior to the past 12 months, rates only increase once a year and it has a tiny effect on my monthly payment. Now it feels like every month when I login, I'm paying more and more and more. I called Navient back in XX/XX/XXXX for some clarification on the matter and the female service rep who took my call coldly replied, " we do not set the interest rates ''. Duh! I know that but I was seeking insight as to intangibles that could be possibly make my payment increase every 2-3 months. I'm certain interest rates are not changing THAT often. When I explained this to the rep, she again replied, " We do not set the interest rates ''. She was no help at all, nor was she trying to be. 

Additionally, in XX/XX/XXXX, I lost my job and reached out to Navient for assistance with paying my loans. A deferment would have been most ideal for my circumstances as I was living off my last paycheck from work and very little savings. The customer service rep did not offer me a deferment. Nor were they willing to help me get a lower monthly payment based on my current income. I was told my ONLY option was to do a forbearance and that in order to obtain such for 3 months I had to pay a {$150.00} service charge. Why am I paying you {$150.00} to forbear my loans? If I'm struggling to pay my current loan amount, what makes you think I have {$150.00} extra dollars to give you? Out of desperation for relief, I went with the forbearance but the entire the rep processed my payment over the phone I felt cheated. I knew I was been mislead and taken advantage of ( as if owing {$34000.00} in student loans with an 11.2 % interest rate isn't bad enough ). I can only imagine what other borrowers may be going through. To be clear, I have no problem paying back my student loans. They allowed me to invest in myself and further my education ; however, I would like to be treated fairly in the repayment process, which I feel I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I completed a modification with Wells Fargo, who needed to obtain clear title to finalize the modification. It took around 4 months longer but the modification was completed and Wells presented me with a clear title. Notorized documents from a XXXX XXXX at Wells Fargo and Schedule A of the title. 16 months later I receive foreclosure documents from my condo association for a total of XXXX for XXXX liens dating back to 2011 in which I had no idea. All XXXX liens were invalid and now due to the title company and Wells Fargo I am fighting once again for my home. 
the title company and wells fargo should be held accountable for not finding the liens I now have to pay on top of mortgage an additional XXXX per month for these mistakes and am now falling behind in my mortgage again after taking 6 yeats years to get a modification

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 2019-02-18
Company: Experian Information Solutions Inc.
State: NJ
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 came apon checking my credit for accuracy and found out my personal information has been used to open medical acounts and other accounts of some sort without my permission I was advised to fill out this form

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