BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX placed my loans in deferment because I was returning to school for graduate education. However, I never requested this change. I was not asked to accept or decline this change. Therefore, for the last three months, my auto debit stopped and extra interest has been accruing. I would like something done because, if I allowed this issue to continue longer, the accrued interest could become significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have had these two credit cards for many years, but between XX/XX/XXXX and XX/XX/XXXX,  besides my own medical and dental bills, I was taking care of my elderly mom and got my two Mastercard credit cards with Capital One maxed out. Approximately a year ago I requested that Capital One please freeze my accounts, stop all interest, and let me continue to pay on the principal balance. They would not agree to that. I also offered a {$12000.00} payoff v. the balance of approximately {$16000.00}, and they would not agree to that either. 

I was on a plan for lesser payments, but ultimately they kept requiring me to catch payments up, including late fees assessed for not making full payments, and of course interest. The amount of interest being charged monthly is more than the payments I was making. I tried to settle with them, but nothing has worked. I can not afford an attorney for bankruptcy at this time, and their payment requirements are now beyond reach. 

I was going to utilize another credit card for a no interest period, but my credit has been destroyed and my other card now has only {$1000.00} available, not the {$12000.00} I had available when this started with my trying to settle with them over the last year or more. 

I have now paid so much interest that I have more than likely paid at least half of what would have been the original balance. I would like to see if you can help in any way. I think Capital One should have let me pay on the principal balance and stopped any interest from accruing. 

According to our Constitution, interest is not legal, and maybe some day that can be enforced again, but I would ask at minimum that they reduce the balance due by removing all interest they have charged me, at least for the last year or so that I have been trying to work with them, and also late payment fees while I was making the lesser payments they agreed to.. 

They told me it would save my credit report if I made the lesser payments under their plan but obviously that has not been the case. 

I finally stopped making payments because, as I said, the interest continued to be more than any payment I would make. Since discovering MasterCard is also providing funds for the invasion of illegal immigrants into our country by providing them with prepaid debit cards, it is my feeling that they should release all debt and clear my credit report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 we were notified by BoA that our mortgage has been sold to XXXX mortgage and that we were responsible for our payments to BoA until XX/XX/XXXX, at which point from XX/XX/XXXX - XXXX would be responsible for our loan. 

We were unable to make payment through the website previously utilized for BoA mortgage payments, and as of today, XX/XX/2018, are officially being 'handled by XXXX Mortgage '. 

Some reviews and reading about this company and transitions for other BoA customers to their company and care made me very concerned. We have, to date, not been notified or informed by XXXX regarding account information, payment method, or any other relevant account related information. Efforts today to call them directly resulted in being informed that our accounts had not completely transferred over and were unavailable. We were then informed we do not have an account number yet and were told we were not going to be charged a late fee because we were in a grace period, but no details for the grace period were available and no definitive information or record could be provided to verify this. 

More importantly, various sites offer accounts of customers being mishandled and misdirected to the expense of their mortgage loan status and credit score/health - and without being provided ANY documentation, verification, or communication at all by this company - I am incredibly concerned. 

This whole initial experience and lack of information has us at a disadvantage that seems to wreak of unlawful behavior and complete lack of necessary procedure. Their customer service is unwilling to provide us any additional lines of communication and information and BoA is being even more unhelpful. I'm frustrated that they have created this incident and necessitated this difficult transition but have no responsibility or help to provide. 

Please help.

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 2022-11-03
Company: EQUIFAX, INC.
State: IN
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:
XXXX account XXXX Inaccuracies among the reported lates between the XXXX bureaus. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America trustee filed NOD on XX/XX/2017 and immediately accelerated the full balance without the required 30 days notice per the DOT contract section 22.

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 2018-07-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I sent a letter out to XXXX  and Experian disputing the accuracy and the method of verification for student loans amounting to {$20000.00}. Both Experian and XXXX  failed to mark all the student loans accounts in question as " disputed by consumer '', per law within 30 days. Furthermore, XXXX has already deleted this inaccurate and unverifiable accounts as of XX/XX/2018 ( see attached documents ).

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 2019-01-15
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/2015 bankruptcy was never totally file cancel no XXXX  never started

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 2018-06-14
Company: Ameritech Financial
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I received a phone call from a telemarketer stating that they were able to help me with my student loans. Because I have been trying to get rid of them I willingly listened and was then transferred over to AmeriTech Financial. The associate, XXXX XXXX came on the line and explained that they helped with reduction and with loan forgiveness of student loans. I know about the forgiveness of loans program and have been trying to get involved with it for quite a while now. 

He had me on the phone for over an hour and all the information that he gave me was improper, though he continued to state that he was on the federal government site and this is what they had for me. 

He sent me a disclosure form to sign so that he could look at my information on the Government Database and asked me to read off the 6 digit number that he sent to me so he could look at my info on the federal government site. No where in his disclosure does he state that he is accessing my personal account with Navient and changing my information on that account. 

After I was off the phone with him, I received an email from XXXX that my username and password was changed. I never gave AmeriTech Financial permission to pull up my XXXX account or change my username or password. I never gave AmeriTech Financial my user name for my XXXX Account and only read them off a 6 digit number that they advised over the phone would give them access to look at my info online and that was me giving them permission to look at the national database. 

I did call the company back as I was upset that I spent all the time I spent on the phone with them for him to want to increase my loan by an additional 10 years so that I can receive a reduced payment of {$70.00} and have $ XXXX off the total of the loan. I complained to a manager who had a solution of putting me on the DO NOT CALL list and that what they do is perfectly fine and many people have many positive solutions, I just didnt have one with them because of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called my brother looking for me and told him that they needed to reach me due to a complaint that has been filed against me. I had never spoken to this company before or received a letter. I called them and they told me I owe money from overdraft fees on a US bank account from XX/XX/XXXX for about 2100 dollars. She said that it was sent to collections in XX/XX/XXXX resulting in it still falling within statue of limitations. I asked for another letter since I didn't receive it and she said it was too late because I was in process of getting sued and I need to pay XXXX dollars in 3 days and then XXXX dollars a month til it's paid off. I know they violated the fair credit reporting act by giving a relative information. They also will not mIl me anything and I cannot find information about the business at all. They claim to be XXXX XXXX XXXX with phone 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 2018-05-10
Company: PENTAGON FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I was an authorized user on a pen-fed credit card I am no longer an authorized user, XXXX refused to remove account from my report after 3 attempts /dispute

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 2019-09-10
Company: EQUIFAX, INC.
State: VA
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 have submitted confirmation of payment on accounts listed unpaid on my credit to Equifax, XXXX and XXXX SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors. Creditors:XXXX XXXX/XXXX- paid in full XX/XX/2018XXXX XXXX XXXX- settled and paid  on XX/XX/2018XXXX XXXX-settled and paid on XX/XX/2018XXXXThese accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/21, I tried to log into TransUnion to check my credit, I was not able to log in unless I provide a credit card. After my credit card was provided, the website log down for maintenance. I did not subscribe to any subscription but a few hours later, I saw a charge of {$24.00} to my credit card. I called XXXX and spoke to XXXX. I told her I did NOT subscript to there services and ask for {$24.00} to be refunded, and cancel my account. She refused to refund {$24.00}. TransUnion website is FRAUD! 
I want to be refunded for {$24.00}. Please SHUT DOWN their ILLEGAL ACTIVITIES STEALING CREDIT CARD NUMBER FROM PEOPLE TRYING TO LOG INTO TransUnion. 
Thank you.

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 2018-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { XXXX, equifax and XXXX } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

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 2019-09-10
Company: Experian Information Solutions Inc.
State: VA
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 have submitted confirmation of payment on accounts listed unpaid on my credit to XXXX, XXXX and Experian SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors. Creditors:XXXX XXXX/XXXX- paid in full XX/XX/2018XXXX XXXX XXXX- settled and paid  on XX/XX/2018XXXX XXXX-settled and paid on XX/XX/2018XXXXThese accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.

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 2018-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
I opened 2 credit card accounts with Bank of America as Ive been an existing customer for quite some time, i opened the accounts as i needed the funds for specific reasons. I have never been late on an existing or new account and have been ALL my bills on time. However the bank did a periodic credit investigation and found i charged too much and and balance was too high. I wouldnt have opened the line of credit if i didnt need it. However rather than look at my payment history or allow time to pay down the balance they closed all of my accounts causing my score to significantly drop to where i can not apply for credit. 
I understand rules but i can not understand how such a large establishment can cause such egregious harm to a consumer. 
This has caused unneccessary 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 2018-05-10
Company: Navient Solutions, LLC.
State: OH
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 had my student loans through Navient ( formerly Sallie Mae ) prior to XX/XX/XXXX when the PSLF started and I also started my job in public service. During that time I had several conversations with Sallie Mae staff confirming my status in the PSLF program. Each time Sallie Mae informed me that my loans were eligible for the PSLF program and there was nothing needed on my part. In late XX/XX/XXXX I called Sallie Mae for another reason and again asked about the PSLF program. At that time I was informed my loans were not eligible. I had lost out on several years of payments toward loan forgiveness due to the incorrect information provided by Sallie Mae. On XX/XX/XXXX I called Navient to request the notes on my account for supporting documentation and was told they do not provide call notes to their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After carefully reviewing XXXX XXXX I found out the package is delivered that I did not order went to an address that was not my address I never lived on XXXX XXXX I did not order anything or open a XXXX account I want this deleted from 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 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had to leave my job for medical leave and I didn't have any funds going into my checking account. I was able to use my debit card to overdraft twice maybe three times. After the second time or third time I was unable to do any type of overdraft on my account and I had called several times concerning this matter. I was always told there was nothing they could do about it. Even though I had " Next Day Grace Overdraft Protection '' I couldn't use it for small items like I was told I could when I signed up for the account. I tried on several occasions to try and make small purchases on my debit card which were all unsuccessful. So, knowing I didn't have income no longer coming in and the overdraft not allowing me to even do that I simply just haven't been checking my online banking. Recently I logged in to take advantage of the " XXXX XXXX '' tool CapitalOne has to offer and suddenly I'm $ -XXXX. The bank had allowed XXXX to overdraft my account twice in the amount of {$11.00} and added two {$35.00} overdraft fees as well. The first charge of {$11.00} and the overdraft charge of {$35.00} was in XX/XX/XXXX. The second charge of the exact same amounts were charged to me in XX/XX/XXXX. Again, I'm told there's nothing they can really do about it because they can't control what can be over-drafted and what can not be. The last substantial deposit was made in XX/XX/XXXX in the amount of {$210.00}. Once the money ran out, again I tried to use it for small purchases and a couple of large purchases as well just to see if it would let me use my card the way I had it set up to use. All transactions were denied to insufficient funds. I just don't think it makes too much sense as to how when the account had a continuous deposit I was not allowed to overdraft in any way shape or form. The card stops its flow of money and then it gets allowed to overdraft knowing there is not a steady income so I'm probably not going to be able to pay due to no job? I believe this is a complete mess!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10
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:
XXXX has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.

Company response to consumer: Closed with explanation