BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I became an employee of a XXXX XXXX XXXX XXXX in XX/XX/XXXX. While serving at the XXXX I returned to XXXX school and earned my XXXX degree in XXXX XXXX. I used student loans to pay for both my XXXX and XXXX   studies. Once I completed my XXXX I researched consolidating my loans so that I could pay them off. I was then led to XXXX XXXX as the only companies that I could do this with as they were a part of the loan forgiveness program through the Department of Education. I applied and began my loan repayment XX/XX/XXXX. 

After making consistent payments for 10 years in XX/XX/XXXX, I reached out to the company to assure that I would only have 2 payments left in the 10 year repayment cycle. I spoke with a customer service representative that informed me that I had already made 133 payments of $ XXXX/month on a 120 payment cycle. He went on to say that I needed to resubmit my loan forgiveness paperwork due to their partner company ( XXXX XXXX ) fraudulently opening deferments. I have never taken or received a deferment. The customer service rep was also able to verify that I had made all of my required payments. In fact, he saw that I had overpaid but informed me that he would need to open an investigation. He warned that during the investigation that I would need to continue to pay, which I did. In XX/XX/XXXX I received a new promissory note that to my surprise stated that I was not eligible and would have to begin payments on the new loan until XX/XX/XXXX. I was totally shocked to see that they did not give me any credit for the payments of over {$49000.00} that I had made and essentially started the entire loan over from the beginning. 

As of XX/XX/XXXX, I stopped making payments and reached out to a few lawyers that I know. To no avail. I have researched other cases and found that there may be a class action suit for this. I NEED HELP any help you can offer. This has already negatively affected my credit and caused me a great deal of despair in trying to get someone to help me address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
See document attached

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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Account # : XXXX Open Date : XX/XX/XXXX TransUnion claimed was verified by Original Furnisher : US BKPT CT OH XXXX. My Method Of Verification request was received by TransUnion on XX/XX/XXXX XXXX ( proof of service attached ). TransUnion had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my request in violation of my rights under FCRA.

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 2019-04-12
Company: DISCOVER BANK
State: PA
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 am the cosigner on a loan and receive statements from Discover Student Loans. I did the math on a recent statement and found that the actual interest rete being assessed was 10.768 % while the statement had an interest rate of 8.365 % listed. Also the information that is given to the student that is paying the loan back is different than the information given to me and the effective interest rate is higher than the published rate on that statement as well Can they get away with this deception?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This has been the 4 debt collector Trying to make me pay a debt that I don't owe. i have dispute the same XXXX account 3 times Through the credit bureau and it was dismissed. That information keep getting sold to another debt collector harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 I made a payment in the amount of {$1000.00} to my credit account with Suntrust Bank whom Ive banked with for over 15years. My current credit limit was XXXX and my current balance before the payment was XXXX due to last months interest fees, however Ive always paid at least the minimum amount due on time. My payment was due XX/XX/2020 in the amount of only {$100.00} but again on XX/XX/2020 I made a payment of {$1000.00} to reduce my interest and lower my balance. This payment made my balance go down to {$1500.00} and my credit limit was still {$2500.00} giving me an available credit of {$1000.00}. On XX/XX/2020, before preparing to use my card, for some reason I noticed my available credit changed to {$990.00} but I didnt think anything of it, I then used my card to get gas ( because its a cash rewards card ) in the amount of XXXX making my now available credit XXXX, I again checked my account on XX/XX/2020 and it was still the same available credit, same {$2500.00} credit limit and now {$1500.00} as my balance. But as of today XX/XX/2020 upon checking my account I have seen my available credit dramatically reduce to {$130.00}, no interest charge nor fee was posted in such amount, I then come to find out my credit limit was decreased to {$1700.00} without my knowledge, without notification of a credit review, and without notification from my bank at all. I called and contacted them to find out why and how this was possible and the customer service representative told me sometimes they do review and reduce amounts but this was not communicated to me even amongst opening the card. Ive never experienced a credit limit reduction, but they basically took all of my available money on the account that I worked hard to be able to pay that could have been used to pay valueable bills. I asked the bank to reverse my payment but the representative advised me that it takes 3-5 days to review this request and it may be denied. I need that money back. I would not be making this complaint if I didnt. This is unfair.

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 2017-11-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
After several years of having this account I sighed up for paperless statements and have paid bills through the Citibank app. In XX/XX/XXXX/XX/XX/XXXX the app showed there was no payment due, i called the bank to confirm. They confirmed. Next thing I know I get an alert that there is a late pay on my credit report. I notified the bank and just got a long drawn out process of disputing it through the bureaus. I honestly feel that Citibank is being unreasonable as I have never been late.

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 2018-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX we finance our home with XXXX under a conventional loan 80/20. In XXXX they should the second mortgage to HSBC. In XXXX, we became behind on our mortgage and needed to modified or foreclosure would begin on the home. In the process of modifying the home, we told that both loans would be included so we pay on the modification until it was finish and now only one loan remains so we thought. Our home loan has be sold so many times by XXXX XXXX XXXX until it not funny. Now we are in XXXX, and now we are wanting to sell our house but can not because a lien is on the property held by HSBC. Wow, the second mortgage shows up finally as I did my work the loan is inactive and has been charged off as of XX/XX/XXXX. There is no record of it appearing on our credit at all but the title company will not close on the home until lien has been release. I have mail paper to HSBC address XXXX XXXX XXXX in XXXX XXXX ILL. No one as of yet has notified me of receiving the information. I am frustrated with the whole matter. Could you please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX I bought a brand new XXXX. In XXXX I got a letter in the mail that the dealership wanted my car and I could trade in my XXXX for a XXXX and no cost to me and that they would keep the same monthly payment. My monthly payment was originally XXXX in XXXX. Now its XXXX a month XXXX. I went to the dealership and asked why it was so expensive. They said they added the old loan to the new one and that they had sold my car already so I can't get it back. They said my only option was to refinance in a few years. I went to my bank and they said they wont refinance because theres negative equity. So now I'm paying for 2 cars when I only have one. My XXXX XXXX XXXX XXXX costed me XXXX. This XXXX XXXX XXXX XXXX is priced at XXXX but they combined both loans to total XXXX. I called to see how much I still owe its XXXX. I dont understand why I'm paying for both vehicles when they already sold the car and I'm only driving one. If I knew they were going to add the loan on I would have just kept the first car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient makes it impossible to log into the website to pay bills. Despite having a working login one day, the next day it is impossible to log in. I have my login information correct and despite this, it notifies me that I have entered incorrect log in information and only have 3 attempts total before having to physically call the company hotline to reset my password. This is clear predatory behavior that only benefits Navient as it increases interest paid and prevents the aspiring generation from being able to pay off their debts. Furthermore, Navient makes obvious attempts to misallocate loan payments and intentionally confuse their customers in order to again, keep interest payments high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Please correct and update these Accounts XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : -.

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 2020-02-18
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Just tried to change from the Platinum Rewards card to the Cash Back Rewards card, and was also told it is " not possible. '' I told the customer service member that XXXX XXXX XXXX had already changed my cards in the past and she seemed to brush it off like it was n't their problem. When I tried to explain why I did n't want to cancel my card outright after applying to the new Cash Rewards card ( as many people have stated previously, he life of my credit is still short and canceling one of my oldest cards would negativity impact my score ), she acted like she did n't understand what I was talking about and that I would need to " take it up with the credit bureau. '' This obviously is not a solution, as a credit bureau ca n't do anything to force continuity of a line of credit. However, EVERY OTHER BANK willingly does this for it 's customers. This policy USAA has adopted to refuse to allow you to change cards blatantly takes advantage of their customers by forcing them to keep old accounts open, take unnecessary hits to their credit for applying for a new card, and intentionally damaging their customers credit scores in the likely ( and logical ) event the consumer wishes to close the old card ( multiple cards open for no reason is a liability ). 

There are numerous threads on USAAs forums from customers in my shoes, to which USAA continues to give " cookie cutter '' responses stating they " take our suggestions seriously '' and " will bring them up with management. '' The company continues to attempt to use the Card act of 2009 as a shield to deflect customer complaints, despite customers directly calling them out over the incorrect nature of their claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!

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 2017-12-29
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CORELOGIC INC
State: HI
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:
Corelogic credco supplied " Alternate facts '' that showed information that was outdated and not matching my three credit reports, which XXXX XXXX XXXX used to deny us credit.

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 2017-11-12
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent letters to credit bureaus ( XXXX and XXXX ) on XX/XX/XXXX and collection company on XX/XX/XXXX. No satisfactory response actually validating the accounts. Only received statements from Credit Bureaus saying account was verified by collection company. As of today no response from the collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: WELLS FARGO & COMPANY
State: IL
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 a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

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 2022-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX my account was hacked by a spam call. Bank of America closed the account to investigate and gave me a new account. In XX/XX/XXXX they forced closed my account and charged me with the fraud on my account. On XX/XX/XXXX they withdrawal {$350.00} without my knowledge and didnt explain the reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-07-07
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am attaching a Mort gage Statement received from Shell Point Mortgage. I do not know this Company nor I borrowed any money from  them.   I want to send them a QWR Notice under RESPA. But their Mortgage Statement does not have any address to which I can send this QWR, although it is required by Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: CRESCO CAPITAL 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: Information belongs to someone else

Complaint:
Status Date Reported XX/XX/XXXX Payment Status Repossession/Foreclosure Account Status Derogatory Account Details Bureau Name CRESCOCAP Account Number XXXX Account Type Lease Responsibility Individual Original Loan Amount {$57000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$1100.00} Term 50 Months Payment Frequency Monthly ( every month ) Worst Pay StatusUnknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation