BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: Navient Solutions, LLC.
State: MS
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXX opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXX-Date opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company called XXXX XXXX has put a collection account on my report. They are trying to collect on a so called XXXX XXXX XXXX. I asked them for the documents to validate this debt correctly they couldn't. They didn't even contact to inform me they were collection this debt it just pop 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 explanation
Consumer complaint received 2021-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Friday XX/XX/XXXX I made a purchase through the Bank of America XXXX XXXX for a flight on XXXX XXXX to XXXX  on Saturday XX/XX/XXXX with Flight XXXX. My confirmation number was XXXX and it was a one-way flight. I was not able to make the flight and immediately called XXXX XXXXXXXX onXX/XX/XXXX to have the flight cancelled and the refund processed. Immediately I received a " refund received '' confirmation email and soon after on Saturday, XX/XX/XXXX at XXXX AM I received a refund confirmation email. 
After the 7 business days suggested that I would receive the refund to my account I called Bank of America to inquire about the refund status and when it would be processed. I was told that they do not see a refund started by this merchant and to call them. I called XXXX XXXX to confirm the refund and was told it was processed and it is up to my bank to release the funds. I proceeded on to the airlines website to also check the refund status and it said completed. This went on for XXXX  months as I proceeded to call Bank of America every month to inquire why my refund was taking so long to process then they would tell me to call the airline. Both of which I repeatedly did. 
I understood refunds can take some time so I was patient for the first XXXX months as the airline said it could take as long as 30-90  days. However, with no success I am still without my refund. So I then proceeded to call back in XXXX to further inquire about the refund at which point I opted to file a claim hoping to expedite the process. This was all after I was told not to file a dispute in XXXX since the refund was already processed and should be showing on my account soon. 
After filing the dispute I receive an email that my claim status has changed on Friday XX/XX/XXXX only to be told that I have waited too long to file the dispute and the dispute fell outside the timeframes to retrieve the funds. I find this very unacceptable as I have been contacting your institution since the date the refund was processed by the airline and have received no help as a new user of the XXXX XXXX This was my first time using thisXX/XX/XXXXXX/XX/XXXX and ever disputing a claim with Bank of America and it has been the most difficult experience. I hope to get this issue resolved before the end of the year.

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 2017-09-19
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2017 went to the bank Navy Federal Credit Union, to withdraw {$20000.00} dollars, for family support, was advised by the teller, the account was restricted. Spoke with asst mgr, XXXX XXXX, ( no help at all ) who stated the security dept has placed a restriction on the account to do an investigation for fraud. Advised no fraud on account, spoke with XXXX the manager who I gave the names of the persons who wired the monies. As of today, the account is still restricted ( 23 days ) no notification given by the security dept other than I would be notified when the issue was resolved. Is this a good explanation for you, not for me. This continues to this day I have been hung up on via telephone by supervisors, provided no information concerning the investigation. I am unable to pay my bills, there are about {$500.00} overdraft fees accrued on the account, due to not being able to move money. I have written to the President of the Credit Union, and received no response back. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05
Company: BANNER CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
From XX/XX/XXXX to current statement XX/XX/XXXX I've been being charged not only overdraft fees but also Insufficient funds in the same transaction. They have never one time actually cover an overdrafted item for me but still charge both for someone even trying to collect an ACH and also debit transactions. The total amount is {$480.00}. I've contacted Banner on XX/XX/XXXX, XX/XX/XXXX on the chat online and by phone. Also, I cancelled my XXXX XXXX  XX/XX/XXXX. They still tried to get payment of {$6.00}, and i didn't have enough funds. Banner bank didn't pay but had charged {$30.00} for Insufficient funds and for Overdraft on the same items {$30.00} Totaling {$180.00}. I have proof that i cancelled my XXXX XXXX. And XXXX even credited My account back the {$6.00} they received the prior billing cycle. Banner Bank says XXXX owes me the {$180.00} and won't credit my account even though I have a cancellation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank has denied my Fraud Claim and Rebuttal based on conversation with XXXX. 

Fraudulent charges made on X/XX/2017 to XXXX.My debit card with SunTrust Bank. Computer was hacked and hackers made ' {$400.00} gift card purchase. Money was within from checking account on X/XX/2017. Called bank immediately to notify of fraud and was given Case Number. I was told that it would take 10 days to review. Received call from SunTrust investigator on X/X/2017 for information. Explained in detail of how computer was hacked and told the steps that I had taken ; notify XXXX, and other charge accounts that were hacked and had been resolved. This conversation took place on X/X/2017 at XXXX XXXX. Received denial letter on X/X/2017 at XXXX XXXX!! FIVE HOURS LATER!! Indication was based on conversation with XXXX. Bank claims it was legitimate charge, however XXXX record INDICATE OTHERWISE..FRAUD!!! Investigator told me that she would send rebuttal forms to fill out. Filled out forms I did and faxed back in X/X/2017. Received Rebuttal denial letter on X/XX/2017 from SunTrust. Immediately called SunTrust to dispute denial. Was told to contact XXXX which I did. Fraud Department reviewed the case and said it was definite fraud.

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 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 SEVERAL unauthorized inquiries on my credit report from Transunion. I have contacted them many, many times seeking a resolution.I have also reached out to all of the creditors. They have no evidence that I have applied for credit with them. I have placed fraud alerts on my report and still receive UNAUTHORIZED inquiries. I have an unauthorized inquiry from XXXX XXXX ( XX/XX/XXXX ). I also have  UNAUTHORIZED/FRAUDULENT inquires from XXXX  XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX ). I have XXXX children and these inquiries are definitely stopping me from getting a mortgage/home for my family. None of these inquiries were made by me. I have no knowledge of them. I have fraud alerts with all three bureaus and it is wrong to still have these fraudulent inquiries on MY files. I have reached out to each company several times and they all say that i need to contact Transunion because they have no record of me applying for anything.

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 2023-05-03
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have been diligent in making my monthly payments and find it unacceptable that a late payment has been recorded on my account. I can verify that I have never been late with this account, and therefore request that this late payment be 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 2018-12-14
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:
I've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.

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 2019-08-15
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dated XX/XX/19 I received letter from Radius Global Solutions in reference to a debt owed to XXXX XXXX of {$1400.00}. Please provide proper validation of this alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted 3 individuals at Pannymac today. XX/XX/2018 - 2 Customer service agents and a Team Leader. 

My request was simple. To get a mortgage property tax exception in the state of Indiana you must file that a mortgage exist with the county recorder. Pennymac claims that they do not file mortgages with the county. They only pay taxes on the mortgage through 'XXXX  '. Without this filing I can not get a Mortgage exception property tax reduction in the state of Indiana.

Funny thing - the county recorder ( I talked with them 3 times ) said that if there is no mortgage filed - I can sell the house and the title company will find NO MORTGAGE on the house. Thus - I can keep every cent. 

Further - all they emphasize is that they are also a loan collector and anything you say can be used to collect monies. 


Funny thing. When you look up their executives on XXXX all of their contact are locked so you can't send messages. This should be a HUGE WARNING of what they think of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the statement ending XX/XX/2019, the balance transfer/check promotion row in the " Interest Charge Calculation '' showed the balance of $ xx and an APR of 0 %. 

In the section below about " AVOIDING INTEREST ON PURCHASES ( GRACE PERIOD ) '', it said the following : 1 ) If you have a 0 % promotional APR on all of your Purchase balances, you can avoid paying interest on those balances during the applicable promotional period. However, pay at least your Minimum Payment Due to avoid a late fee.

2 ) If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying $ xx ( this amount includes any Minimum Payment Due required to avoid a late fee ).

Then, the next month, I received an interest charge of $ yy, even though the previous statement said that the balance of $ xx had a 0 % APR rate. 

I tried to explain to this to Barclays on the phone, but they refused to acknowledge that their statement ending XX/XX/2019 incorrectly represented the APR on the balance. They also refused to take any responsibility because the prior statement ending XX/XX/2019 explained that interest would start accruing on XX/XX/2019, even though their XX/XX/XXXX statement said the opposite. 

Based on the XX/XX/2019 statement, there was no way of knowing I would be accruing interest in XX/XX/2019.

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 2023-02-20
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: Information belongs to someone else

Complaint:
This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: NJ
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 told experian XXXX  and XXXX  that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808

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 2018-09-30
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today is XX/XX/2018. Prior to XXXX Hawaii Standard Time , I made a in person deposit of several checks at Bank of Hawaii . 
After I left the bank, I noticed the deposit slip is dated for XX/XX/2018 Is this legal? 
I also get direct deposits from from XXXX  XXXX XXXX and XXXX XXXX. Both of them with hold funds availability for about 4 days before they appear in my account. 

Essentially, it floats somewhere from the time the person initiates the online transfer/payment, to the time it is credited to my account it is about 4 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Shellpoint Partners, LLC
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:
I have filed a dispute with the credit bureaus in regards to incorrect items on my report. It has been well over 30 days and I have not received any feedback or investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Exeter Finance Corp.
State: VA
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:
XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : Exeter Finance XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, P.O. Box XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. 

I would be grateful for any assistance you can give me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had a collection on my credit report from Experian. I paid the collection ( XXXX XXXX XXXX ). The collection agency updated all 3 credit bureaus. Both XXXX  and XXXX XXXX updated their system. However XXXX  refuses to update their system. They still have the debt listed as an open collection account. It is not an open collection because the debt has been paid. I contacted Experian and the representaive XXXX told me that they ( Experian ) will not change the status of the collection. He said although it's been paid, the bureau will still continue to report it as an open collection for 7 years. This is an injustice because acording to FCRA Section 623, Experian is supposed to correct information after they were provided proof. I submitted a copy of the letter from XXXX and the collection agency also gave them proof. This is defamation and wilful injury to my credit report by Experian. As a result, I can not obtain credit because their listing of an open collection account is seen as DERRAGATORY by other creditors. I paid my debt/collection and Experian is still punishing me. This is cruel and inhumane. I am asking for Experian to update the status and remove the derragatory mark on my credit report. If the collection is PAID, it should not be reported as a open Collecion. It's not a collection anymore because I satisfied the debt.

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