BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-07-13
Company: SYNCHRONY FINANCIAL
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sychrony Bank : Approved me for 2 furniture cards XXXX XXXX   and XXXX XXXX XXXX, blocked card for use and stated I need to verify my ss # and it will take 30 days, I ADVISED THEM IM IN THE MIDDLE OF CLOSING ON A HOME AND DIDNT KNOW I WOULD BE BLOCKED ON NEW APPROVED CREDIT CAUSING MY SCORE TO DROP 216 POINTS WHY ON EARTH ARE THEY NOT ABLE TO CONTACT XXXX AND XXXX AND MOVE THESE HARD INQUIRIES OFF MY CREDIT REPORT WHICH IS ON XX/XX/XXXX ADDED TO MY CREDIT AND NOT ABLE TO USE THE CARDS AND ALSO WAS DECLINED FOR A XXXX XXXX CARD WITH THEM WHICH IT ALSO CAUSED A ADDITIONAL 29 POINTS DOWN ON MY CREDIT I HAVE SPOKEN WITH THE CREDIT BURUEA TO HAVE THEM DISPUTE THE ISSUANCE AND THEY HAVE MY ACCOUNTS BLOCKED AND I ASK THEM TO DROP THESE CARDS SINCE IM NOT ABLE TO USE THEM AND I WOULD MAIL THESE CARDS BACK THEY STILL WOULD NOT DO ANYTHING AND I HAVE READ WHERE THEY HAVE DONE THIS TO A LOT OF CONSUMERS!!!!! I NEED THIS ISSUE RESOLVED MY CREDIT RESCORED AND I JUST OPENED THE ACCOUNT XX/XX/2019  AND XX/XX/XXXX IT WAS PLACED ON MY CREDIT AND BLOCKED WITH NO RESOLVE FROM THERE CUSTOMER SERVICE AGENTS NOR THERE ACCOUNT MANAGER.

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 2018-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America/XXXX XXXX deliberately manipulates deposits and incoming charges to generate overdrafts fees. Overdraft fees are a huge revenue stream for them and I think it is grossly unfair of then to take advantage of the public in this manner. What can we do to get then to stop this reprehensible practice?

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had bought a XXXX XXXX XXXX on XX/XX/XXXX {$24000.00}. 
Balance owed time of repo {$10000.00}. XX/XX/XXXX They sold the vehicle on XX/XX/XXXX {$12000.00}. 
A collection agency contacted me and said I owed them money. {$10000.00}. And shared with me that it was sold. I explained to them I dont owe XXXX XXXX XXXX Any money if anything they owe me {$1800.00}. Plus my antenna and the mats. 
I had offered to pay them and they refused my offer. It was less than the original agreement but I still offered. I do need help with this matter. Even if it is taken off my credit report. 
It has been charged off so they actually have got paid twice for this vehicle.

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 2018-02-02
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a request for Income Based Repayment early in XX/XX/XXXX. Navient received the information on XX/XX/XXXX, per a phone call with Navient on XX/XX/XXXX, approx. XXXX XXXX. I received an email from Navient, with an authorized Navient sender, on XX/XX/XXXX, stating that my request had been approved and I would receive information on the amount of my reduced payment. I still have that email in my box. However, in the call on XX/XX/XXXX,  representative stated that there was no record of that email, and stated that my request had not been fully processed, even though they do have all the information they required ( rep stated this as well ).  They had also already started payment, scheduled for XX/XX/XXXX, on XX/XX/XXXX, per representative. They are authorizing payment on active IBR requests 5 days prior to the due date. They are also issuing false emails saying IBR requests have been approved with no record of that statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was struggling towards the end of my lease with Nissan Motor Acceptance Corporation. I had forgotten to pay some fines and my license got suspended and I was in between places so I didnt get the message. I get pulled over and my car impounded. I call Nissan and inform them that I was having issues and I know Im 2 months late and this will be the third but Ill be able to pay them a week later on payday. They say its not a problem. I pay to get my license restored and my car out the impound with the money I had to pay NMAC with. When I get up to drive to work for the first time in 3 days my car is gone and the police inform me that it was repossessed. I call NMAC and they say since it was so close to the end of the lease they arent willing to take a payment at all and that the car will be auctioned off. They auctioned it off at far lower value than it was worth and Im stuck with a nearly {$9000.00} debt for a car I no longer own. The collection practices by the debt collector have been very persistent. Almost to the point of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I invest on an application called XXXX. Is to invest in my future and if you're not aware of the application it links directly to our banking accounts. The application automatically rounds up total spent from your banking account to the nearest dollar. Essentially collecting the change until it reaches a total of {$5.00}. It then withdrawals to {$5.00} and invest for you. It is simply a very convenient way to save money. There has been an issue between the application because PNC is causing issues with them which is costing me money because I'm no longer investing. I feel this is my account and if I want to give access to the XXXX application, which I've dealt with for many years, that's my choice. I am asking you to please speed up the process so I can begin in my investments again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Verisk Analytics Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXXI requested a security freeze with LCI Inc. I received a letter back dated XX/XX/2019 that they are unable to do such a thing because they are not a Credit Reporting Agency blatantly implying they do not have to follow the credit reporting laws that protect consumers. This company has a partnership with XXXX where it FURNISHES information ( public bankruptcy details ) and that is REPORTING. This can not possibly be legal. They also stated in said letter that they do not need my permission to share information under applicable federal law or regulation. If they are furnishing/reporting/supplying/verifying information with a Credit Reporting Agency or another similar company then they should be compliant with the consumer credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for and received federal student loans while I was in medical school. I made every payment on time and consistently renewed my income-driven repayment plan yearly, on time and without issue. In XX/XX/XXXX, the due date on my income-driven repayment plan lapsed because I had not received an email alerting me of the yearly requirement for renewal. Upon receiving an email on XX/XX/XXXX that there was an action required on my account, I logged in to find that, because I had not submitted the income-driven plan renewal, ( 1 ) the entire outstanding interest on my loans had capitalized ( + {$19000.00} ) increasing my principal balance by ~10 % and ( 2 ) my monthly loan payment had quadrupled ( to ~ {$2100.00} ). 

I also found that I had been sent -- electronically -- one single notification on XX/XX/XXXX to renew my income-driven plan. However, the email alerting me that I had an action pending on my account was not sent. Moreover, I received no other alerts from FedLoan servicing that I needed to renew my income driven plan. Instead, on XX/XX/XXXX, the above occurred. 

I called FedLoan Servicing several times between XX/XX/XXXX and XX/XX/XXXX to discuss the matter. I was forced to submit a one-time forbearance on my XX/XX/XXXX payment because it was ~ {$2100.00}, and I could not afford it. I was encouraged by a supervisor at FedLoan servicing to submit a letter explaining the above described circumstances in order to trigger an investigation and to revert the principal to its prior balance. I was told to expect a response in 2-3 months. 

It has been 6 months since my submission and despite two other calls to the company over that time period, I have not heard a response. 

I have been consistent and timely throughout the life of my loan. I have paid every payment required of me over the life of the loan and I had renewed my income-driven plan without lapse as well. This was an unfortunate event, not consistent with my prior character, that has cost me a 10 % increase in my principal balance and will cost me tens of thousands of dollars over the life of the loan. Also, despite the costly nature forgetting to renew my income-driven plan, I only received one notification from the company to perform this task. I formally disputed the capitalization in a timely fashion ( within days of being notified, on XX/XX/XXXX ) and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Commenity bank has NOT reported any of my payments in the last 2 months! It shows a balance of {$3300.00} when it is actually {$500.00}! this is affecting my credit score drastically and we are trying to buy a car. Because they have not reported ANY of my payments which total to almost {$2800.00} my credit score is lower than it should be preventing us from buying car!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13
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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX are in violation of FCRA. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I've demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts in dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts I requested to have verified.

I submitted 2 letters along with driver 's license, social security card, and cell phone bill to prove my identity and current address over the last 60 days requesting verification and have received 0 verifiable proof. 

I have 2 accounts that have not been properly verified and are still being reported on my credit report. 
1 account is for {$610.00} and the second account is for {$4100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is almost impossible to get hold of someone at Freedom Mortgage with an inordinatly long wait on the phone and an answering system that is unlike any other I have ever experienced. Almost every month the company waits until the last few days to cash my check causing me to feel very stressed out. Someone ( XXXX ) just finally answered my call of today the XX/XX/XXXX after I was cut-off the last time I was on hold. She said it's the fault of the postal system but I have never had this problem with other mortgage companies ( at least three ) I have used since I purchased my home in XX/XX/XXXX. I also have found it easier to get hold of someone at my past mortgage companies. XXXX also said that because it is close to the payment deadline, they get many calls ; however, I have had problems reaching Freedom Mortgage even when it was not close to the mortgage payment deadline. 

I suggest they change their answering system which is totally ridiculous because it has one answer one question, then go back to the menu, then answer another question & then go back to the menu again, and then place the person on hold while telling the person how much they value the person 's business. XXXX! I also suggest they hire more staff to answer calls. 

Thank you for your attention to this issue.

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 2019-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX of 2015 Chase Bank put a 30 and a 60 day late payment on my account. This was a business account that was supposed to be closed in XXXX but due to some charges after our business closing which should have been denied, the account got charged and became active again. We closed the account because we had closed the business, and since the business did not exist at the location anymore we did not receive any mail or bill so that we could pay this off on time. In XXXX when I went into the bank I was told that I had this negative balance on this card which is now closed due to non payment and I started to pay the balance back down. I have been a long time Chase customer and have never had any issues with any payment and would request that this late payment be taken off my history. This has been affecting my credit history and holding me back and has greatly affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC Bank online banking does NOT allow for payments toward principal to be applied on a scheduled basis. They require us to remember to go on their website portal, log in, do the principal payment every single time we need/want to, which is a waste of both our time and money!!! There is NO WAY to set up a scheduled automatic payment to principal, which is a sneaky way for them to get more money and NOT be working for the consumer ... even though they already make thousands in interest every year on my loans and m/billions of $ $ from all of us! Last I checked, it's XXXX, but their online banking set up is barely from XXXX! There should be a FEDERAL LAW that REQUIRES ALL BANKS to allow for scheduled Payment to Principal payments in any/all of their online loan payment systems ( allow Monthly, Bi-Monthly, Weekly, Bi-Weekly, or however " XXXX % & $ # '' frequently we want to make the payment - it's an automated thing so no humans are involved in doing the transfers, so it shouldn't be a big issue! ) Thank you for pursuing this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencieS TRANSUNION LLC have violated it..the of accused collections account and date FOLLOW AS : XXXX XXXX XXXX ON XXXX XXXX FOR {$480.00} AND XXXX XXXX XXXX ON XXXX XXXX  FOR {$1900.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter..BE ADVISED THE other 2 credit reporting agencies XXXX AND XXXX HAVE DELETED THESE 2 COLLECTIOND, WHICHIS CONSIDERED ADMISSION OF GUILT ..YPUR STILL REPORTING FALSE INACCURATE INFORMAYION ON MY CONSUMER REPOR FILE..

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 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the XXXX  XXXX. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the dark web. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2  ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX  {$450.00}

Company response to consumer: Closed with explanation