BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-25
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Ihave notice that suntrust is paying all big items that come in first, no matter when it came in and the charging me XXXX dollars for all of the smaller items. which is causing me to overdraw my account a lot this past week. i had XXXX small charges the were made way before the large transaction and was charged XXXX times

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XXXX/XXXX/XXXX, Fed Loan Servicing inaccurately reported, previously cleared, information causing XXXX XXXX 's credit score to drop approximately XXXX points. To make matters worse there is no record that the report from XX/XX/XXXX occurred and came to fruition only after he tried to make arrangements with Fed Loan Servicing for a forbearance. He was re-assured in a phone call to Fed Loan Servicing XX/XX/XXXX that no negative credit reporting was scheduled to occur, yet within 30 days of that phone call negative information posted to his account. Fed Loan servicing inaccurately reported negative credit information on XXXX/XXXX/XXXX. This has created financial difficulty for XXXX XXXX. He has been financial burdened from the mistake and the information on his credit report is not accurate. He has had difficulty from XXXX/XXXX/XXXX accessing credit, student loans, moving, car loans, and had to pay higher interest on debt as a result of inaccurate reporting. All previous negative credit reporting from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had been removed from the credit report ( by XX/XX/XXXX ) but now is inaccurately shows as 120 - 149 days late in XX/XX/XXXX ( as if default occurred XX/XX/XXXX ). Fed Loan Servicing illegally reported inaccurate information by changing the date of the already vindicated delinquency from XX/XX/XXXX. This Fed Loan servicing report is against the law because they re-reported previous delinquency from XX/XX/XXXX XX/XX/XXXX ( which was removed XX/XX/XXXX ). This is against FCRA Section 623 ( a ) ( 1 ) ( A which states : " it 's illegal to report information that you know or believe is inaccurate ... '' XXXX XXXX was unable to access financial resources as a result negative credit reporting because Fed Loan re-aged ( inaccurately changed the date of the first delinquency and has no record of doing so ) which is duplicative reporting and is in violation of the CRA Appendix A to Furnisher Rule Part 660. This rule says that a reporting agency must follow policy and procedures to prevent re-aging ; which Fed Loan Servicing failed to do as evidence by their denial of appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have NEVER been XXXX XXXX XXXX, XXXX XXXX and have never lived at XXXX, ( NEVER and apartment number, this is a house ) orXXXX XXXX ( House no Apt number ) orXXXX XXXX XXXX ( This belonged to my EX husband ) orXXXX XXXX ( This belonged to my EX husband ) I never worked for XXXX or XXXX ( My EX worked there )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Javitch, Block & Rathbone LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX XXXX I was notified that Javitch Block LLC was trying to collect an alleged debt.Shortly after I reviewed my credit report and had seen there was a charge off/written off account of {$4600.00} on my credit report under XXXX XXXX XXXX I sent out a dispute letter via certified mail to all three reporting agencies ( XXXX, XXXX, and XXXX ) XXXX the debt that they were claiming I owed.This debt has been sold numerous times and I actually received a letter from XXXX  claiming they gave this alleged debt to a company by the name of XXXX XXXX  XXXX XXXX XXXXAlso some time after I received another letter from Javitch Block LLC claiming they were the ones collecting this debt as debt collectors for XXXX  which I was not notified about prior by XXXX  as they did for XXXX XXXX XXXX ( whom also are not licensed to collect debt in my state of TN according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) ( but Javitch Block LLC, through summons , are claiming they're attorneys for XXXX XXXX  ) false or misleading representation WHOEVER they are they also pulled my consumer report without my consent.Everyone needs written consent by consumer per FCRA and GLBA.no need for consumer report also invading privacy.This alleged account has also been constantly reporting charged off every month and is also written off/charged off.There can not be a balance due on a charged off account and when it's been written off for taxes.That is a 1099c tax form.Time went by and I still had not received a response or notification about my dispute letter to each of them.That being said, on XX/XX/2022 I sent out a request for a debt of validation ( pursuant to the FDCPA 15 USC 1692 Sec 809b ) to XXXX XXXX debt collector or attorney ( Javitch Block Llc- whom is NOT licensed to collect debt in my state of TN and also retrieved my consumer report with out my consent or acknowledgement ) .As time continued I still had not heard from any one of these businesses so I then sent out more debt of validation letters on XXXX XXXX to the 3 CEOs of the three credit reporting agencies via email requesting validation and deleting of this account if they could not properly validate this account and to remove any information that is not true, accurate, or compliant with FCRA.Still to this day no one has responded back to me as requested.this would be unwilfull compliance from everyone connected to the alleged 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
Consumer complaint received 2015-05-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently discovered that someone has my social security number and has accessed my credit report. Her name is XXXX XXXX and she accessed my credit report sometime last fall.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In 2014 my student loan defaulted. I am not disputing that fact. I am however disputing the amount of collection fees the collection agency charged. The amount they charged nearly doubled what I owed. I have been trying to get copies of what the collection agency had sent ( since I believe I was charged 30-40 % vs the 16 % since these are FFEL loans and Phea has never responded. I faxed them and I also mailed a certified letter on the XXXX of XXXX and still have not received a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Brown and Joseph, Ltd
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I work for a company that had an insurance audit by XXXX XXXX. The debt collector called me on my personal cell phone to collect a debt owed by the company I work for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with the XXXX XXXX Business office prior to submitting my previous complaint against National Business Factor. They confirmed I do not have any unpaid medical bills. National Business Factor responded yesterday and reported I owed XXXX XXXX XXXX XXXX money for a visit back in XXXX of 2016. I then called the XXXX XXXX XXXX XXXX Billing office again. They looked up my social, my children 's social and that service date and reported that I have paid in full and I do not owe them anything. National Business Factor falsley reported that I owe XXXX XXXX XXXX XXXX money for a visit in XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Lionstone Holdings Group
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I got a collection call from this company call lionstone holdings. They have contacted my mother and told her I was being served with papers for a debt I owed to a loan I took out in XXXX 2016. I called the number who called to get more information regarding the issue and spoken with a guy name XXXX. He wanted me to pay a balance of {$1500.00} and I advised him that is too much. I can not pay that and informed to set up arrangement to make payments plus I was unemployed. I made a first payment of XXXX on the account and I tried to get an extension out and he became very rude stating I would face judgement and be sent to court. I just wanted to extend my balance out but instead he became very disrespectful and rude then disconnected the call on me when I needed assistance with extending. He is very unprofessional and threaten to take me to court. I will love to have someone different over my claim because I am trying to pay back this loan but I do not want anyone disrespecting me when I am trying to work with them in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: RC Willey
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RC Willey is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting. I immediately called and settled this account with them. I was unaware about this debt as I had never received any notices, calls, or letters regarding this debt. I ask that RC Willey removed this account from credit as it has been paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I saw a medical collection from IC Systems on my credit file that I was not aware of. I disputed the information with the credit bureaus because I did not know that this debt was for. But, instead of providing verification of the debt, the split it into XXXX different accounts and reported all of them to my credit file. So not instead of XXXX collection with a {$3400.00} balance, they are not reporting XXXX collections with smaller amounts.

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 2020-03-25
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I mailed a Notice of Error letter to Specialized Loan Servicing ( SLS ), pertaining to my annual mortgage escrow statement which SLS was over charging my about {$50.00} a month. The escrow annalist I received from showed that I had a overpayment of {$2.00}. I would like SLS to show me how they Calculated a {$2.00} overpayment when SLS was over charging me every month. Today date is XX/XX/2020 and I have yet to get a response from SLS analogizing my Notice Of Error Letter. I understand upon receipt of that letter SLS has 5 business days to respond to that said letter. 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 2021-03-18
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am the co-signer on a student loan. I called Navient on XX/XX/XXXX on a recorded line asking if they offer lump-sum settlements. XXXX XXXX XXXX XXXX said they do not accept settlement offers but then informed me they offer a full pay-off at 95 % of the total value. I owed {$38000.00} and was given {$36000.00} as the pay-off. We confirmed the amount and the date this offer expired ( XX/XX/XXXX ) and I made the full payment on XX/XX/XXXX via ACH after moving funds from my retirement savings. Two months later I discovered the balance of 5 % was still on the account. I called on XX/XX/XXXX and spoke to XXXX and he went to management and returned to tell me he did not have authority to offer that deal, nor did management want to approve it. He seemingly felt bad that he misled me and acknowledged our conversation when I reminded him it was recorded. Fast forward to today, XX/XX/XXXX, after 5+ hours of multiple calls over the past month, emails, being placed on hold for inordinate amounts of time, I spoke to XXXX XXXX XXXX XXXX, then XXXX XXXX XXXX XXXX and finally XXXX XXXX XXXX XXXX, all from the Navient Office of Consumer Advocates. XXXX reviewed the situation and made me an insulting offer to credit {$180.00} of my balance. I asked if we could together listen to the initial recorded call and she said no, that was the best she could offer. This to me is about principle!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: SYNCHRONY FINANCIAL
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had a checking account at XXXX XXXX  XXXX XXXX XXXX XXXX Florida since 2010 my checking account number and pin XXXX XXXX. I have been using my checking account to pay my Amazon XXXX monthly bill using auto-pay from Amazon synchrony Bank whose address is Amazon. XXXX XXXX. this has been working smoothly for 10 years. On XX/XX/XXXX I received a notice from Synchrony Bank that my Amazon store card has been closed down and I may not get another one. I contacted Amazon synchrony and they told me that I must contact XXXX bank which recently merged with XXXX XXXX become truist. XXXX has had numerous customer complaints about funds not being available debit cards not working and all kinds of banking errors. I looked on my synchrony Store card account and discovered that the digits to the last 4 numbers of my checking account were transfer so it didn't say XXXX XXXX any longer it was a different number. Amazon said my payments were being declined. I could not understand this as the account has over {$600000.00} in it. Finally I found the problem and I corrected the payment method by opening a new payment source using the correct checking account number and correct routing number from truist. I can only assume that truist made a digital error or keyboard error in entering my account number when the name of the bank changed. I would like the result of this complaint to be that synchrony accepts that this was a banking error in involving keyboard and not the consumer 's fault.

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 2021-03-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I need expedited removal of the account that has been re-aged on my credit report. The Date of First Delinquency field on previous reports contained an incorrect date and I disputed this date over and over again with both the CRA and the Furnisher and it was never corrected, always verified as accurate. Now the Date of First Delinquency field is blank, showing no date at all.

This date is important in order to calculate the 7 years for the account to be removed. Please note : Per the complaint instructions, attachment does not include my personal identifying documents.

Company Involved : Equifax Information Services, LLC ( CRA ) Company Involved : XXXX XXXX XXXX XXXX XXXX ( Furnisher )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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:
Transunion is unfit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter disputing newly discovered inaccurate items on XX/XX/20. As of today over 45 days later I still have not received correspondence that the investigation has begun. In researching how to dis out these inaccurate items I also discovered my information was compromised in the XXXX data breach. Now more than ever I feel like my information has fallen into the wrong hands. I also learned in this process it is illegal to report inaccurate items. Please help me uphold the law

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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 was put out of an apartment about 7 years ago and all my personal info was left in the apartment I had no time to retrieve my personal belongings I have 2 accounts on my credit that are due to identity theft.

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 2017-03-06
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
To Date there have been no response for my request for an audit with FedLoan Servicing. Your form clearly states to mark " STILL EMPLOYED '' box, which indicates XXXX XXXX, XXXX XXXX, XXXX ( date signed ) that I am still employed with the XXXX FL XXXX. No Public Service Loan Forgiveness ( PSLF ) credits were issued XXXX XXXX, XXXX - XXXX XXXX, XXXX ( date document signed ). Clearly that is more than the XXXX Credits FedLoan reports. 
2. FedLoan is falsely reporting I was in forbearance for times when payments were made. I would not make payments during forbearance ( i.e. that is what forbearance requests is for ... inability to make payments ). 
3. FedLoan Servicing intentionally mislead me by offering to consolidate my other XXXX loans into Direct Loans so that the Public Service Loan Forgiveness payments for those loans will apply since they will also be converted under a Direct Loan. Then, FedLoan Servicing enrolled me on " graduated payments '' fully knowing this plan will not make any payment eligible for the Public Service Loan Forgiveness program. 
4. Not explaining the information unless asked directly leaves the consumer to " have to '' be able to ask the right questions - which we obviously do n't know, in order to receive assistance - this is misleading and deceptive. 
5. I learned today that a 2.5 % reduction in interest rate is also available to me by paying via direct debit ( my payments are ACH 'd every month via WebPay at XXXX XXXX XXXX XXXX ). This was neither offered nor advised upon several of my phone calls and faxed correspondence with FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a letter in the mail from a collections company in regards to an unpaid balance of {$80.00} from Suntrust. Once I called XXXX XXXX XXXX in MA, they informed me that I overdrew my Suntrust account which was opened in 2012. They do not have any details on if money was ever entered into the account or withdrawn? I was astonished because I have never been a member of Suntrust. My next step was to call Suntrust, who I explained my situation to. They transferred me from department to department several times before I ended up initially where I placed my call. The representative then said she was going to get her manager for assistance and hung up. I have tried calling XXXX more times and the same exact thing happened! Finally an agent placed a claim and told me I would hear something back in 24 hours, which never happened. I asked them to delete the bank account and contact the collection company, which has not taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief