BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
So I went into my bank account to check my transactions my card was used by someone in the XXXX XXXX to order XXXX Now thats somewhere I dont eat my card stays home at all times XXXX XXXX XXXX every where I go Being my card was charged the payment was reversed back to me But this caused my to not trust the banks because why is my account being used when I never went to XXXX XXXX privacy is being invaded this caused me some XXXX  and made me uncomfortable

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 2017-08-10
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the XXXX XXXX. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.

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 2018-07-16
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
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:
Nelnet has been double reporting my accounts for months. I have reached out and asked them to tell me which two of the four accounts they are reporting are correct. I have asked them to tell me what other loans are consolidated into the accounts that I have with them. They keep refusing to do this. And they did a hard pull on my reports when I complained, even though I have provided them proof of their incorrect reportings. Since I supplied them with the account numbers they are reporting at each bureau all I have gotten back is nonspecific form letters where they say they refuse to investigate it further. They are hindering my ability to obtain the credit I need by their lack of proper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Paramount Recovery Systems, L.P.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received ( in my daughters name ) a collection notice for a bill from two years ago from XXXX XXXX. We have never seen a bill from this company nor has our insurance been billed. Now, our insurance company has changed at my husbands work, and this will probably effect my daughters student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Ive been making payments faithfully for 3 years now to Navient. We have 2 loans through them and have been told multiple times that they can not combine accounts to make payment easier. 

At any rate, they have been sending bills and getting payment for the above duration. Again, 2 different bills. This month is the first time we have missed a payment on accident due to only paying one bill. I think we were 15-16 days late. I got no email, repeat bill via mail or call. I didnt even get a fee charged for being late. 

They called my mother 2-3 times a day looking for me over {$63.00}. Are you kidding me?!?! This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: GA
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 XXXX regarding account number XXXX XXXX XXXX XXXX in the amount {$680.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX, my online Navient account advised that I didn't need to make a payment till XX/XX/XXXX. No reason was given. To be clear, I didn't ask to delay payments. In fact, I have previously exhausted my ability to do so. When a resumed payments I noticed my " estimated payoff date '' changed by THREE YEARS. It went from sometime in XX/XX/XXXX to now it's XX/XX/XXXX. I believe it was those two " don't have to pay '' months. 

My loan started in XX/XX/XXXX. How in the XXXX can it take 28 YEARS to pay off? Stuff like this is the answer. Navient has failed as a loan servicer provider, as their mission is to keep people paying as long as possible so to collect as much fees as possible. Horrible communication and shady actions, such as what I described above are their hallmark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Stewart Information Services
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
on XX/XX/2012 XXXX XXXX XXXX XXXX a Paid in Full Letter ... After Obtain This Loan From XXXX Who the Government Shut Down ... XXXX XXXX XXXX, Sold the Note to Stewart Title Company who Title the Home For XXXX originally ... As of This Day, after Paying Funds To XXXX & XXXX  XXXX XXXX ... Stewart Title has harrassed my family..by Phone & Mail ... .attempting to Collect the First original loan of {$62000.00} ... It's Painful to myself a XXXX XXXX  ... Single Father of an XXXX yr old ... XXXX XXXX  XXXX claims Stewart Paid Them {$55000.00} ... .I never knew This until many years Later ... .I 'm not trying to just let these folk take my Retirement Family Home ... I need so real HELP Upon Taken out this Loan, I was Charged Fee 's To cover insurance on Errors Made On this Loan ... So ... This title Company Out to have Wrote this Off ... It's No Error Due To Me or my Family For This Issue or Harassment by Phone and Mail ... It's causing me much Heart ache & Lack of Sleep ... .Thinking Their trying to Rob me out of Money already Been Paid out ... .I Was Never Late And Paid As required ... .Where 's the Already Paid out Money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am being assessed a {$10.00} fee for paying my mortgage on the XXXX of the month. I am making my payments online through the mortgage site. There is a {$19.00} fee for contacting the mortgage directly. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Experian Information Solutions Inc.
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:
Someone stole my identity and received a XXXX card in XXXX. XXXX initially reported it as fraud and it was removed from my credit, but in XXXX they recanted and began reporting the debt again as valid which is 3 years after the dispute period and the period for providing proof under the fair credit reporting act. I have had a XXXX XXXX  from being stressed over this fraudulent account. It is reporting on my Experian credit report. This is drastically affecting my 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 2017-08-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fast history on me. My mortgage is current and has n't been in default for some time now. My property taxes are current. My property insurance is current. My original lender was XXXX XXXX XXXX. Several years back when the economy crashed, my wife 's employer abruptly discontinued their weekend package pay. At the same time, my employer eliminated our department bonuses. This hit us extremely hard and we were unable to pay our property taxes. XXXX stepped in and paid those for us ( {$7500.00} ) because our loan did n't include escrow payments for property taxes. They told us that amount would be interest free and just added to the end of the loan, which they honored. Last year our mortgage was sold to XXXX XXXX XXXX. They told me they would not be pursuing collection of this amount due to my original arrangement with XXXX. Then once again, my mortgage was sold to Select Portfolio Servicing ( SPS ). I 've made several payments to them, on time and in full, but I 'm guessing since I 'm making my payments on time, they are attempting to collect that {$7500.00} in hopes I ca n't afford it and then they can foreclose. Let 's all be realistic and honest here, there 's no other reason for them to be taking this action. I CA N'T control my mortgage being sold. As a homeowner, I have no options to say, no. From everything I 've read online about my rights during a mortgage transfer and based upon what XXXX told me, I do n't believe they have the right to pursue collecting this money right now. The original arrangement was to pay it by the end of the loan. I spoke with XXXX XXXX at SPS on XXXX17 at XXXX XXXX CST. She informed me she would put in a request to try and move the collection to a 60 month term, but that does n't change the fact that I do n't understand how they can pursue this money when my original lender and even the second one both told me it would be kept at the end of the loan. I made an arrangement in good faith and I 've kept my end of the deal by making my payments on time and keeping my property taxes current. SPS should do the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
National Collegiate Trust is reporting to credit bureaus that the student loan I co-signed on is charged-off and transferred to another lender. It was not transferred to another lender and the account is currently being collected on. My brother-in-law was taken to court by NCT on XX/XX/2020 and ordered to pay it. Their law firm, XXXX XXXX represented them in this matter. Prior to the court date, ( I did not know they were taking my brother-in-law to court ), I made 3 attempts to call the law firm and settle the debt because this false claim is keeping me from obtaining employment. NCT did not take me to court or inform me of a court date in any form. This is because, in my attempts to settle the matter, XXXX XXXX told me and my brother-in-law that they are not licensed in Washington state and can not collect from, contact, or pursue me in anyway. Following the court order for my brother-in-law, he received the payment plan, pertaining only to him. He has made the first payment and accepted the new terms of the loan. I then called XXXX XXXX requesting that they provide me with documentation of their claims that they are not licensed in Washington state and can neither collect or pursue me. They refused, they transferred me to a lawyer that I left a detailed message for and never returned my call. Their website does say that their lawyers are only licensed to practice in the states listed in their individual profiles. Further down it lists each lawyer with their licensed state, none of which are Washington, XXXX. National Collegiate Trust has no contact information and you must go through whatever law firm they have hired to speak with anyone. I have filed disputes with XXXX  multiple times and my report does not change. Therefore, I must assume that National Collegiate Trust is reporting false information as their law firm has stated to my brother-in-law, that the account is in an active-repayment status or NCT is illegally collecting on a loan that they no longer own and we are unable to track down who might.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Conn's, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My dispute involves two companies the first being Conn 's XXXX XXXX in XXXX, New Mexico. I put my account with them on Auto pay. I received a phone call stating that my account was delinquent. I sent them a copy of the paperwork from the bank showing the payments were being made. I spoke with a supervisor from Conn 's who advised me they had lost the money for my account. They call me 6 or 9 times a day from different phone numbers. I 'm still paying on this account and I am being charged a late fee and they continue to call me even though once a month I have my bank send them money. XXXX code XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: TX
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:
Although I have tried multiple attempts to resolve this issue with Experian via telephone, they continuously refuse to adhere to the FCRA rules and regulations. Experian also refuses to provide me with a Method of Verification that they used to determine both the validity and accuracy of the item ( s ) that that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violations that were committed by Experian ; yet, the remaining violations are listed in my attached documents. Furthermore, due to the severity of this violation I will also be filing complaints with the FTC, BBB and the Attorney General 's Office.

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I disputed paid released tax liens that were ony credit report and they were removed. A copy of an updated credit report was sent to me. I went on the Credit Bureau 's website to check my credit score and saw that the items were put back on. When I spoke with a customer representative he advised me that it was never removed and would be on there for 7-10 years. I told him I had a copy of my credit report with the items deleted and was told I did n't and it was never removed. He then continue repeating that it would be on there for 6-10 years before being deleted.

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 2020-05-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The checking and saving accounts are opened on XX/XX/XXXX with {$500.00} promotion.The bonus posted on XX/XX/XXXX and XX/XX/XXXX. However, the is the withhold for {$60.00} for twice accordingly. On XX/XX/XXXX, I email the banker XXXX, XXXX regarding the potential XXXX form missing that might lead to the withholding. On XX/XX/XXXX, I email the signed XXXX form to him.After that, i called several time to follow up. On XX/XX/XXXX, i was told there should be someone in back-office resolving the issue and I sent the XXXX XXXX form again.Till today XXXX, the two {$60.00} withholding, {$120.00} in total still not come back to the account yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I received a letter from XXXX XXXX that the account for XXXX that they have ceased on the collection account for XXXX. It's still on my XXXX  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 2020-05-22
Company: UNITED SERVICES AUTOMOBILE 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: Card was charged for something you did not purchase with the card

Complaint:
See attatched USAA STATEMENT of XX/XX/XXXX MC end XXXX. I DID NOT OPEN THIS ACCOUNT. How are there charges USAA hold me liable for when I NEVER OPENED OR ACTIVATED THIS CARD?? USAA please provide Written Documentation of Drivers License and original signature REQUIRED BY USAA POLICY TO OPEN THIS ACCOUNT. WHEN & WHO ACTIVATED?? How are there charges on a card I HAVE NEVER HAD POSSESSION OF?? The documentation provided to USAA to open this account PROOVES This is THE CRIMINAL.. Show this documentation to FBI. USAA HAS HELD ME LIABLE FOR ID THEFT SINCE XXXX NO RESOLVE.see attatched ADDITIONAL USAA ACCOUNTS IN MY NAME ALL AT SAME TIME.?? HOW MANY ACCOUNTS CAN ONE PERSON HAVE? I ONLY OPENED & AUTHORIZED THE MC end XXXX IRS CANCELED DEBT * DEBT DISCHARGED XXXX DEBTOR NOT LIABLE FOR DEBT & this is DELIQUENT ALSO?? ID THEFT BEEN GOING ON A LONG TIME @ USAA I WAS UNAWARE. MY CREDIT DESTROYED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: REGIONS FINANCIAL CORPORATION
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:
Regions Bank has been told that this XXXXthe Regions bank on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and Regions Bank

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that Credit Bureaus must look into this matter as required to do so under the FCRA. If CREDIT BUREAUS do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please fix these Accounts from my report : XXXX  XXXX XXXX Balance Owed : {$1.00}, XXXX XXXX XXXX XXXX Balance Owed : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I received an email from Equifax stating that their investigation into an account I reported as a result of identity theft had been completed. In the letter sent to me which I am including says that they are leaving the item on my credit report because they verified it as belonging to me. I have never had an account with them or XXXX. I want it removed or blocked from my file immediately. According to the FCRA in section 605 ( a ) ( b ) it is the responsibility of the credit reporting agency to block any information/account a consumer states is a result of identity theft upon written notice of the claim. Under the law, they have 4 days from the written notice to comply. I have sent them a FTC affidavit, an identity theft report and a written notice of my claim. Of course the company has my name, my social security and my date of birth right along with my address correct because they stole my identity. They used my personal information. The accounts that need to be removed from my credit report are the two collection accounts. 1 ) XXXX XXXX in the amount of {$150.00} opened on XX/XX/XXXX 2 ) XXXX XXXX XXXX in the amount of {$720.00} opened on XX/XX/XXXX Also, on XX/XX/XXXX I received notice that the XXXX XXXX account had been removed from my report but upon viewing my credit file it is still appearing there. I would like it removed as it was also a result as identity theft. Please remove these accounts immediately as they are a result of identity theft.

Company response to consumer: Closed with explanation