BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Navient Solutions, LLC.
State: CA
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:
From XXXX, I attended a private college, XXXX XXXXXXXX University XXXX and borrowed an Original Principal of {$26000.00} through Navient/Sallie Mae and co-signed with my mom with apparently a variable interest. 

My mom and I paid {$33000.00} from XXXX, before I refinanced with XXXX. But somehow I still owed to Navient, {$40000.00}, which XXXX took on. Now that loan won't end til XXXX where I will have paid {$71000.00} to XXXX. 

How is this not paid off by now? 

I have XXXX and XXXX about where my life is because of this single year of school. I can't buy a house let alone save up for one simply because of the private loan practices of Navient/Sallie Mae . 

What am I supposed to do? Pay {$100000.00} to pay off {$26000.00} that I originally borrowed? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens Bank, XXXX. 

The Citizens ATM at XXXX, MA isn't XXXX  working. 

Seems like it's out of order half the time. 

Why install ATMs if you can't keep them working?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: WA
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:
Equifax posted a account on my credit report that doesn't belong to me and which has not been verified. XXXX XXXX XXXX under the direction of XXXX submitted and alleged debt that I owe without giving me proper notification. I was never allowed to review this alleged debt to see if I was the correct person it who owed it or if it was a situation of fraudulent activity. XXXX XXXX XXXX stated that it sent to my address a debt letter, but the address they sent the letter to was an address that I moved from in XX/XX/2012. I have moved three different times since I lived at the address they claimed to have sent their debt letter. I am currently a XXXX customer, whom have my current mailing address. There is no reason why there could be a mix-up in my current address. Again, I am denying that this debt belongs to me and I am asking that it be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
FHA loan closed with a monthly mortgage payment of {$2600.00}. Received a letter from loan company XXXX statements calling for a change in insurance/taxes, raising monthly mortgage payment to {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: Santander Consumer USA Holdings Inc.
State: PA
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 DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Navient Solutions, LLC.
State: FL
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:
Navient has sent several documents to show that they are correct on their side after my loans have been consolidated. I am requesting the information for my loans prior to the consolidation. The information on the Federal Aid site is different what was consolidated. I am requesting detained information on loans from XXXX and interest since on the Federal site has credits that the Navient information does not show. I am trying to identify that difference. Contacted Fed Aid website but was directed to contact Navient. Attached are copies directly from the Fed website which are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX sent a statement to Experian Credit that I had a contract for an account with them in XX/XX/XXXX. I have never made such an account. I wrote Experian to inform them of this, request investigation and removal. After 5 days Experian wrote back saying they performed the investigation and found it to be accurate and stated it would remain until XX/XX/XXXX. They did not send any of the documents to prove I made such an account so I could further investigate. It only takes all other seconds to establish a bad mark on a persons account but it takes minimum of three months to get false information removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I ask using the Western Union app. Each time you send a money transfer you are awarded points that you can either use as credit towards your sending fee. But almost every time I've tried to use the Tool, while it's on another page, it's been very difficult to use and has been basically useless to me most of the time. The loading time is endless. The page never loads on mobile or wifi. 

Most every time, I end up giving up and going back to the send page to send my grander l transfer and end up paying the send fee! I've complained before but never gotten a real response as to why this conveniently happens almost every time I try using my points. There's been several occasions I have allocated credits but when I go to submit my transfer my transfer credit is NOT applied and I end up paying the fee anyway. Then I notice my rewards credits are fewer than what they were before. I also see where I am not getting proper reward credits for transfers I've already made. 

The make millions on transfers but their rewards program is a failure and a fraud. 

Please assist me in this matter by looking into any other consumer complaints. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: NC
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 XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019 I as SunTrust customer made a complaint ( CFPB # XXXX-XXXX ) and another three written inquiries, three phone calls to SunTrust customer care and customer service regarding a illegal deduction of {$20.00} from my personal Advantage Checking account ending in XXXX on XX/XX/2019 stating XXXX XXXX monthly maintenance fee. I never received a letter from the bank until XX/XX/2019. This letter dated on XX/XX/2019 stated that my combined relationship balance fell below {$10000.00}. This conclusion was far from true. Actually my combined relationship balance was EXCEED {$10000.00} and was linked with a small business check account. According to SunTrust personal advantage checking account fee schedule : Avoiding monthly maintenance fee section - Maintain a Total Combined Relationship Balance of {$10000.00} or more linked across deposits OR Have a linked Small Business Checking Account. As I stated before I qualify both requirements. However this bank continue conduct criminal activities to deduct a second $ XXXX  monthly maintenance fee from the same account ending in XXXX on XX/XX/2019 stating it's XX/XX/2019 monthly maintenance fee. In early XX/XX/2019 SunTrust credit back one of the fee {$20.00}. I don't know why SunTrust continue to repeat same error which I seriously can't accept at all. See attached Avoiding monthly maintenance fee Schedule and SunTrust Response Letter on XX/XX/2019. At this time, since I already reported this criminal activities to the DC dispatch XXXX to ask Police Report, I am asking prosecution towards this banking perpetrator who repeatedly and illegally deduct money from my personal checking account. I also filed a claim to ask at least {$25000.00} damages toward this repeated threat to Consumer.

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 2021-02-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I submitted this complaint already and when I logged in I saw a message that the matter was closed and the company responded. This is not the case. They never responded. I had student loans for my kids with Navient. The interest and repayment did not make sense - and this was confirmed by my accountant. When I made a payment nothing went to principal and my balance kept growing. I refinanced this loan to get away from this usury debt. However, I believe that Navient owes me money due to their incorrect calculations. Before I left Navient I asked for paperwork on how they calculated my interest and they would not give me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). TransUnion assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated. 

TransUnion did not exercise its grave responsibility, you were unfair, and you were partial. 

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed TransUnion to furnish this report and I never consented to the report.

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The aformentioned credit reporting agencies received information regarding identity theft related to the account they are reporting, XXXX XXXX  XXXX Transunion, XXXX and XXXX received the identity theft report on XX/XX/XXXX, along with my identifying credentials ( social security card/State ID ). Pursuant to FCRA 15USC 1681c-2 ( a ) these agencies are in violation as they have not blocked this information from my credit report and have continued reporting the information. Additionally, they have not provided me with any documentation as to further investigation into this matter and the dispute has been deemed as resolved on both XXXX and XXXX dispute centers located on their websites. I have filed additional complaints regarding the way this situation has been handled with my state 's Attorney General 's office. I am requesting all documentation regarding the method of verification, all information provided by the furnisher regarding this account as I need to ensure that a thorough investigation has been performed pursuant to my rights under FCRA, section 611. As of yesterday, I was notified by credit monitoring that XXXX is allowing manipulation of the payment history on this account. According to their own records, this account was closed and sold in XXXX. Attached, you will see where the payment history has been changed to reflect payments in XXXX and in XXXX, this gross misrepresentation on the account is displaying late payments were made between XX/XX/XXXX through XX/XX/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 2023-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/23 I was charged {$39.00} for a subscription I wasnt aware I signed up for. I called in and was advised that their monthly subscriptions is only {$19.00} and she didnt see a charge for {$39.00}. I requested a refund and for the rep to cancel the subscription. The rep advised that she would cancel the subscription but cant request a refund for something that wasnt charged by them. I called back and spoke with someone else whom advised she would put in the dispute and cancel the subscription. As Im waiting for a resolution XX/XX/23 I get another charge for {$19.00} after being advised twice it was cancelled. I called in again and spoke with a gentleman whom assured me that the subscription would be cancelled and the dispute will be resolved within 7-10 days. I lease refunded for the XX/XX/XXXX transaction but not the XX/XX/XXXX transaction. I called in today XX/XX/XXXX and was advised the dispute was denied because I didnt call in. I explained to the rep about the multiple calls I made and he stated he would escalate the issue again as if its gone be the same result. This rep was able to confirm that he see 2 charges so Im confused as to why my original dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The last payment was made XX/XX/XXXX and the default was 30 days later in XXXX. 
The lender is attempting to make it appear the last payment and default are more recent. 
They show I was 60 days late in XX/XX/XXXX. 
This is not the first time the lender has done this. My score dropped 78 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} ( Original Creditor : XXXX  ) XXXX Balance : {$330.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$950.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/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 2023-09-26
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: TX
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:
I submitted a dispute in regards to inaccurate information being reported in my credit 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 non-monetary relief
Consumer complaint received 2022-09-07
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: Information belongs to someone else

Complaint:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Law Office of Rory W. Clark, APLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, has placed a lien on my home through their attorney in California Rory W. Clark, I never received a notice informing of a court appearance or lawsuit. My original debt amount is for {$3000.00} they are asking for {$10000.00}. I have called them to XXXX XXXX XXXX and the Law Offices of Rory W. Clark to negotiate to resolve this debt they refuse. XXXX will only deal with me through their attorney. The representative I spoke with at the law office of Rory W. Clark is XXXX XXXX. I am a XXXX XXXX year old woman living on a fixed income. I feel that XXXX XXXX is using the law to intimidate to pay a debt, that is well above the amount of money I actually owe. How is this legal there should be a law against this.

Company response to consumer: Closed with explanation