BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: Monterey Financial Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/2011 the U.S. Bankruptcy Court filed a Chapter XXXX bankruptcy judgement against me and my husband. We went through all the stipulations warranted by the courts. Our allotted time has expired and we would like this conviction erased from our credit reports, so we can move forward and re-establish our respect and dignity. 

Reference # XXXX : Discharged. Joint filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I reached out to Navient to tell them about a student loan for which I last made a payment in XX/XX/XXXX. I always never understood why I was making payment on this loan as I had only federal loans and no private loans. When I lost my job in XXXX, I stopped making payments and Navient/Sallie Mae ruined my credit and hounded me with abusive calls. I have over {$70000.00} in student loans for which I'm struggling to make on-time payments. I have lost 2 out of my 3 jobs and can't afford to make any payments on this loan. 

Navient responded saying that I signed for this loan and provided an electronic signed document. This loan has a cosigner and the cosigner hasn't even signed this loan. The document is not even valid. Navient also said that they have taken this out from the credit report but still I'm unable to get my own place because this always shows as a bad debt and I'm expected to pay the full amount with 22 % The loan has passed its statute of limitations and should be completely removed from my credit report. 

Attached is the proof of a denial request from XX/XX/XXXX 2020 where I couldn't get a housing loan approved because of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have XXXX Student Loans with Sallie Mar ( SM ) for which I am on monthly payment plans. Only 2 loans are currently due for payment and the 3rd loan was not yet due. Without notice, SM put the 3rd loan into automatic repayment status. When I called them about it they did not have any explanation, other than they I owed $ $ $ to bring it current. I told them that the 3rd loan had been in deferred status and was not due till month later. They did not care but keep transferring me from 1 customer rep to another.

I them made some arranges to bring up the payments of the 3rd loan. However, a few weeks ago, i got notification from my credit report that an account is reported as delinquent. When I looked it up, it was one of the SM accounts that I have been paying on. Not only is this information incorrect. It is unethical ( and should be illegal ) that companies like SM are reporting negative to student Credit Reports during an economic crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/ 2020, Citibank posted a fee to my account for {$34.00} because they could not process a payment to a vendor due to insufficient funds. The vendor have stated they were not supposed to process the payment due to govt new law for student loan. Instead, Citibank, who did not even pay-out the fund has refused to refund the fee. 
I have called multiple time to CitiBank about this, after holding for over 2 hours the rep will tell me their " automatic '' system is not allowing them to refund the fee to me. It is illegal and unethical that banks like CitiBank are charging fees and monthly maintenance fees during an economic crisis.

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 2020-09-23
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 fraud alerts or security freezes

Complaint:
I TRIED TO FREEZE MY CREDIT REPORT, ONLINE, AND THEY REFUSED TO DO THAT. HERE IS WHAT THEY REQUIRED. This is extremely inconvenient and not timely to freeze credit by having to do all this. No reason should not be able to do this online. Also, Experian won't provide a credit score without payment. They also want money to do an online credit freeze. Experian is the worst company. They were also hacked and all my personal data was breached, so they should provide their services for FREE! I provided them correct information. No problem with the other 2 bureaus. 

We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as XXXX, XXXX, XXXX, XXXX, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy  of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or  permanently. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX 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 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Bank Of America failed to fulfill their responsibilities to get me my money back from a XXXX ( XXXX XXXX ) in the amount of {$950.00} for service that was never rendered / cancelled by the operator. 
I made reservation via XXXX to fly to XXXX on XX/XX/XXXX that arrives in XXXX on XX/XX/2020 Itinerary # XXXX ( airfare ) Confirmation # XXXX XXXX / the operator cancelled my flight before my fly date. XXXX notified me of the cancellation on XX/XX/XXXX via email, I opened a dispute in the first week of XXXX against XXXX via Bank of America since merchant wasn't cooperative. yet Bank of America ruled the disputed in the favor of Merchant 3 month later ( XX/XX/2020 ). It's a moral imperative that Bank of America protects their customers from crocked merchants. 
XXXX breached the purchase contract - terms and conditions, they cancelled my trip, and ruined my plans to attend a wedding, I must get my money back from them. 

I made the reservation with the intention of going to attend a wedding, that XXXX cancelled the flight for, I don't see my self going to XXXX for at least 5 years, so any resolution in the form of airline credit is unacceptable. XXXX offered 12 month airfare credit, that I don't see myself using at all with the COVID situation. 

Bank of America should have ruled the dispute in my favor and gave me my money back. I am appalled by the results and negligence of your staff handling the case, this maybe the end of journey with Bank of America. 
My wife had the same ticket booked but using chase card, and we got our money back immediately, and chased ruled the dispute in our favor. 
Very disappointed at your bank and your staff, specially the last time I talked to the staff, they sounded very short and scripted. they don't evaluate disputes case by case, they read from script. 



I would like this dispute to be ruled in my favor and get my money back {$950.00} from the crocked merchant. 
Merchant violated the terms and condition and cancelled my trip. I didn't cancel the trip. 
Any airline credit isn't acceptable, because I will not be traveling to XXXX for the next 5 years.

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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2020 at approximately XXXX XXXX. I opened an E-mail from the XXXX XXXX that monitors my credit score through Trans Union and XXXX. The report showed that my credit score had dropped 4 points. It states " Between XX/XX/2020 and XX/XX/2020, your XXXX XXXX XXXX credit card balance decreased by {$12.00} from {$12.00} to {$0.00}. '' I contacted the XXXX Credit card company on XX/XX/2020 at approximately XXXX XXXXand I was told that my card is in good standing, and that there were no errors in reporting on their end and that my balance has been paid in full and it currently is at {$0.00}. 

Basically Trans Union is showing that my balance of {$12.00} was paid on time and now the balance is {$0.00}. I have a {$3000.00} limit on my card. {$12.00} was charged to my card and the balance was paid on time and in full and as a result my credit score dropped 4 points. This is XXXX.! 

An on-time payment according to these XXXX is a negative factor. 

This is an ongoing issue with trans Union. They are constantly reporting false information. I am tired of disputing these issues with this company only to have them not fix their mistakes.

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 2020-09-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I submitted disputes with all 3 credit bureaus, I have yet to received anything from them. I understand covid is going but this has been 2 months now and NOTHING. My understanding is they have 30 days NOT 60 is this unacceptable.

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 2021-07-16
Company: EQUIFAX, INC.
State: NV
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 writing this due to non-compliance with the CRA XXXX XXXX Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

I have asked for validation as well as the fraudulent personal information be removed from my credit and yet it has remained and in attempt to update their information they have done so inaccurately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2020 my westlake financial loan company keeps calling me making threats cause my monthly payments are late and behind do to not being able to work during the pandemic period and I keep begging them to lower my payments or lower the final payoff. I have always made previous payments on time and in full, also made over payments when I was able to. Now I get calls being bullied by customer service to the point where I breakdown and cry. I'm out of work and i just want to not keep having late charges and paying more than what is owed.

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 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX transferred my mortgage to another company around XX/XX/2018. This was considered a transfer, this has happened before and should not have been a big deal as XXXX is getting out of the mortgage business. TransUnion reported this I was closing my account and so my credit score was reduced ( Number of accounts and average account age declined ) I called XXXX to understand what happened and then I called new loan company XXXX XXXX. I called XXXX and XXXX both reported my account in good standing. I called TransUnion and they say they can tell me nothing but they see no new status. I am now in limbo, my score dropped in XXXX/XXXX, I know the only factor that impacted it and yet no one can seem to do anything about it. 

I want my credit score to reflect that I have had the account for over 6 years and have never missed a payment. Not that I closed an account and now have an account that is 2 months old.

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 2021-07-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wrote the company letting them know to verify a public record that is on my credit report. They claim to have verified the information with the provider of the information, which they listed on my credit report as the contact if I had any issues. The provider of Information is the United States Bankruptcy Court. I contacted them with my concerns and they said noone has contacted them to challenge my records made public by the court. They said whatever information the company has, did not come from them. They did say if any information is incorrect or challenged, that an action should be filed so the information can be evaluated. They said that has not happen and they sent me a letter stating that. I contacted equifax and the agent would not provide me with the method of verification and I am entitled to it according to FCRA laws. I know that my report is incomplete with equifax reporting that the court is the provider of information. Whoever is providing the information is not on my report so that I can challenge them, also the provider of information is not the original provider which is against the law, due to them providing conflicting information and causing a consumer not being able to have equal credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Avant Credit Corporation
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I contacted avant asking them to provide me with a pay off amount. I was told the payoff amount was XXXX. On XX/XX/XXXX they received my check in the amount of XXXX. They sent me a confirmation email stating they have posted my payment to my account. After two years they started reporting to the credit bureaus in XXXX of this year stating that I was behind on my payments. When they were clearly paid off 2 years ago. I called them to ask what this was about and they told me I still had a balance with them because I didnt make XXXX payment in XX/XX/XXXX. But it clearly says in the payoff quote if you pay before XX/XX/XXXX XXXX will your be your pay off amount and they received my payment on XX/XX/XXXX. I asked them what needed to be done and they told me well you can take care of your balance but we cant tell you that balance until you have made 6 months of payments. I have disputed their reporting of late payments with transunion and they removed their account from my credit report. XXXX will not remove from my credit report they are telling me everything is accurate. I am currently waiting on an answer from XXXX. This company is horrible and try to get more money. Something is clearly wrong if after 2 years they decide to report to credit. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: U.S. Auto Sales Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Owe {$9100.00} on a repossession started in XX/XX/2019 Called US Auto about a repossession to try to settle and continued to get transferred to different departments because no one could find any info on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
XXXX XXXX, XXXX, SC made some unauthorized charges for items I do not have. The purchases were made XXXX XXXX/XXXX XXXX for a total of {$440.00} on my SunTrust Credit Card.

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 2020-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Original Creditor, XXXX XXXX XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, XXXX XXXX, a debt Collection company, reports an open balance of {$580.00} on the same XXXX  XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and XXXX XXXX to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and XXXX, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and XXXX representatives simply mocked me.

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