BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Navient Solutions, LLC.
State: OH
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 went to XXXX XXXX XXXX XXXX, in Florida when online distance learning was brand new. I recently found out that the school is closed, as of 2017. Navient is charging an absurd amount of interest rate on top of still charging me the fee that the school charged when they were open. 

It's to my understanding that the loan, both of the loans from XXXX XXXX XXXX, can be XXXX if the school is closed. I've uploaded documentation stating that the article shows the school is closed, it's a legitimate article and how much Navient is charging as of to date. These two loans need to be XXXX or I will seek legal arbitration. They are already charging me an asininely crazy interest rate, which I know is set by congress. It's hard when you're pay check to pay check, then no one tells you that your school closed. That's unethical and immoral. And yet to still charge fee 's for that loan. Navient should not be allowing to charge consumers, on a loan where a school is closed. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Diversified Adjustment Service, 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: Account information incorrect

Complaint:
This account includes no information, ive reached out to the collection agency on numerous occasions to have this information updated. Ive disputed this with XXXX and the failed to provide proof or update the correct information on my credit report. Per FCRA if they can not verify or update this they need to delete it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Santander Consumer USA Holdings Inc.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Contacted Santander Consumer Finance on XX/XX/18. Notified them of duplicate payment. was told to fax over bank info showing duplicate payment. Faxed over. Was told id have my payment back in 48 hours, XX/XX/18. Contacted them again in 48 hours, XX/XX/18. was told they hadnt looked into it yet. Contacted them again XX/XX/2018. Still no answer. Contacted them again XX/XX/2018. Told me the bank statement showed payments pending even though they had already recieved. Was told to re-fax statement. Refaxed new statement XX/XX/2018. Was told i would have an answer in 48hours. Contacted them XX/XX/2018. Still no answer. Contacted them XX/XX/18 was told the fax was recieved but no answer on payment. Contacted them XX/XX/18 and they are now saying they didnt recieve fax. Also saying no other way to send bank info or any quicker way. DOnt seem to want to return duplicate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX, an XXXX XXXX XXXX, is attempting to solicit me for funds via PayPal after consuming a stay at my residence from XX/XX/XXXX through XX/XX/XXXX. As such, I provided the proscribed Homestay service to XXXX XXXX in addition to driving from XXXX XXXX to my residence upon occasion. Given this fact, there is no reason to refund any or all funds to XXXX XXXX as he used them in Good Faith and did not complain or any issues upon his vacating the premise. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12
Company: Synovus Bank
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 information incorrect

Complaint:
To whom it may concern, My complaint is regarding my credit card account with First Progress Select. They are reporting a late payment for the month of XX/XX/2021. The payment was made on time in good faith per First Progress payment protocol. First Progress unlike most Card Issuers do not have a payment portal on their website. You are directed to pay the monthly bill through your banks bill payer service or other third party services. 

This is where the problem arises. Once I make the payment through my bill payer service I have no control from that point when the payment will be actually made. My bank mails the payment on some occasions. As a result of my bill payer service not routing the payment on time it has resulted in a late payment being reported in my credit report when the payment was initiated on time. 

Please provide whatever assistance you can with this matter. My credit score was reduced 15 points because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This debt was settled in front of a judge on XX/XX/. Bank of America made me a settlement offer and I paid it. The company continues to report this as a derogatory public record with a past due balance. This is causing me continued injury and hardship.

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 2023-12-06
Company: CBC Companies, Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX lowered my credit limit based on this reporting agency 's ( Innovis ) report and it is significantly lower than all the others and they refused to provide me with an actual copy of the report and the reasons for lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Finance of America Mortgage LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was Approved for a mortgage by Finance of America Mortgage at 5.125 % went through enormous amounts of paperwork for underwriting to complete loan process only to have lender to come back over and over again with requests of paperwork.. Changed closing costs several times told me I had two choices on what to pay depending on if I get a letter from my lawyer will determine what my closing costs will be and my interest rate will be ( raised my interest rate ). My loan is approved with conditions that what I signed was not a contract and closing is on XX/XX/XXXX and now its impossible to close because I dont have my XX/XX/XXXX taxes that I filed which I didnt file because I did not work. He argued that I have to have a letter from someone stating I didnt have to file taxes in XX/XX/XXXX I receive XXXX and Alimony he already aware of this. I signed a form 3 weeks ago pertaining to the taxes so why this is coming up now before closing I dont know? My realtor and several other people cant make sense out of what hes doing ..in the meantime Im going to lose the house of my dreams. He never mentioned closing costs from the beginning of this process in the amount of {$8700.00}. I was told I had to pay {$3100.00}. If I argue with him the interest rate will go up or he makes it hard on me. Hes played the Bait and Switch tactic the entire time of the loan process. I was believed I would be paying the interest rate on the contract I signed he lied and twisted this entire loan process around to his advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Collection Agency Name : XXXX  XXXX Collection Agency Address : XXXX XXXX  XXXX XXXX XXXX, VA XXXX Account Name : XXXX  XXXX, In accordance with XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. 
The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to XXXX XXXX XXXX. 
I request that you provide me the " XXXX XXXX of XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.

Please be advised that if you fail to respond to this dispute within XXXX  days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX  Date open : XX/XX/2022 {$510.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$540.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, I sent several complaints out about bankruptcies being on my credit reportXXXX XXXX XXXX XXXX and # XXXX was obtained through the XXXX XXXX  which is against consumer law 15 U.S.C 1681a ( e ). 
XXXX XXXXXXXX was removed from my XXXX Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that XXXX XXXXXXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section XXXX to XXXX to provide my XXXX XXXX to the credit reporting agencies.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: GA
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:
Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.

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 2018-03-06
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX or XX/XX/XXXX I contacted XXXX my cell phone provider about a second line that I was being charged for that was no longer activated and had not been activated. And had not been activated for over 2 years. The rep put me on hold and spoke to a supervisor and put a credit of 200+ on my account for fees paid for that line. A couple weeks later I got a notice of a balance of 280+ dollars. My account had one line at that point and the bill should not have been more than 70 dollars. I called XX/XX/XXXX and was told the credit was reversed. I got irate and threatened to call an attorney I explained it is not legal to give a credit that was approved th en decide to change your mind and demanded the credit be re applied. After a long hold the credit was reapplied and I was told to pay XXXX. My bill cycle started on XX/XX/XXXX I left XXXX due to thi s type of under handed nonsense on XX/XX/XXXX. So I should have been billed for 11 days of service. XX/XX/XXXX I spoke to 2 reps at XXXX XXXX in customer service named XXXX who was able to verify that he sees where the credit was issued but could not adjust it because the account was no longer active. Active or not XXXX is trying to bill me for 85 to 95 dollars that I don't owe them and I will not pay until it is corrected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
They charge too much interest and they charge me a late fee when I submitted the payment on the payment due date. They didn’t want to help the consumer and I cannot afford to pay late fee of $XXXX plus their ridiculous interest charges meanwhile I do not make any purchases on this card and all I do is make payments.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to file a complaint against Transunion, regarding their misleading reporting of the following accounts on my credit report : 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 
Their reporting is inaccurate and negatively impacting my credit standing, in violation of the Fair Credit Reporting Act ( FCRA ). And although I have previously sent in a complaint, instead of investigating these matters they continue to furnish inaccurate data. 
According to the Internal Revenue Service ( IRS ), a charged-off debt is considered taxable income. However, Transunion has reported accounts as a " loss, '' which is often seen as an indication that income was received from the charged-off debt. This is very misleading because I do not understand the nuances of the credit reporting system. 
The FCRA requires that credit reporting agencies furnish consumers with accurate and complete information in their credit reports. The reporting of these accounts as a " loss '' by the Transunion is not only misleading, but it is also in violation of this requirement of the 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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. I am never been late on this 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 2019-09-04
Company: Experian Information Solutions Inc.
State: SC
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:
Specifically, after having provided a copy of my social security card to Experian, after having provided a letter of verification of social security number, and name that appears on those documents, by what legal authority does Experian or a creditor have to report differently. The name on my social security card, having been the number upon which reports are given, and maintained is the only name and number authorized. 

In specifics, The XXXX XXXX card issued and used was created under social security number XXXX, this isn't my social security number, regardless of the created association created by the lender. Secondly the card was created and used from an address, after I had left that address totally. 

In referece to the reported bankruptcy, Experian created a situation for verification, and if not for that creation, there would be no verification. Specification is this, unless Experain can provide some legal method of verification the names they have created, I ask them to remove them immediately, and by removing their created names that don't verify with my social security number, then the items specified in this document will not be verfified, and thereby there isn't a complaint to be had. Their verification is important because it will show they create situations to verify and verification doesn't happen by virtue of the truth in reporting. Seemingly Experian only understands litigation to correct their behavior, which Is my next step.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX  DHS Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for a home loan because of this negative item on my credit 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 non-monetary relief