BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting XXXX XXXX XXXXl in has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-04-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a recent graduate of an XXXX and have currently begun working within my field. Accepting a position in my field resulted in a financial gap in my salary ( I took a 40 % pay-cut from my last office job ). Upon contacting my private student loan provider I alerted them of my financial change and requested other payment options. They refused to work with me in order to find a suitable repayment plan. 
I have been paying back my private loans since I was in college, never missing a payment, and their only solution to my financial situation was to allow my private loan debt to go to collections. I refuse to accept that they are unwilling to extend the term of my loans, making payments affordable for me. I understand fully that I am responsible for paying back my student loan debt and I am not trying to justify not paying what I borrowed. I am simply making a minimal ( entry-level ) salary and am need assistance on repayment plans. If my private student loans provider extended the term of my loans, my payment would become affordable. They have refused to do so because my total debt is {$2000.00} less than the acceptable amount of debt a borrower needs to extend payment terms. 

I graduated XXXX year ago, and am finally perusing the career I dreamed of in college. Now my student loan providers have suggested I quit this job in order to work at a XXXX so I can make ends meet on an unfairly large monthly student loan payment. They are making it impossible for me to continue working in the field, that I went to school for in the first place, in order to obtain a higher paying job to pay them back ( at 10 % ) for the education I will not be utilizing. 

I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  reported a request for a XXXX XXXX XXXX XXXX, which i did not request. This was documented with Trans Union Consumer relations. This was noted on XXXX. There was also a credit check for a XXXX XXXX XXXX on my report. The spelling is wrong and should 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 non-monetary relief
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
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:
I disputed errors on my credit report with the company after submitting proof that the error should be deleted. After an initial notification, I received correspondence that was not truthful with the companies reply. It seemed as if this was a stall tactic to not thoroughly investigate my disputes. I sent correspondences every XXXX - 45 days from XX/XX/XXXX to XX/XX/XXXX and have yet to receive any deletion of the disputed accounts. I have provided proof as well that the disputed account was deleted from one credit bureau, but the additional bureaus aren't cooperating despite this proof of deletion.

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 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I went to my local Bank of America branch on Monday, XXXX XXXX, 2015 at XXXX PM. They had only XXXX teller window open. The line was so long it went out of the branch doors. I could see XXXX different bank employees walking around the bank. They were talking and laughing as if they did not even see the line. When I finally got to the teller window they told me they did not care about my wait and I should use the ATM. I called the same branch the next day to speak with the branch manager about my experience. I called the branch 4 times and no person answered the phone. They also do not have any voicemail or a way to leave a message. Finally, at XXXX XXXX, on the fifth phone attempt a branch employee answered the phone. She told me that the branch manager had gone home for the day! I requested a return phone call from the branch manager and the employee took the message. We are now towards the end of the next day and I have not heard from her. I just called the branch again, and once again, no one answered the phone. 

I just called the XXXX number for Bank of America and their representative said there is no way to relay my message to the branch. They said that the bank wants to cut expenses by minimizing human staff. 

I feel that this is unacceptable. Bank of America was XXXX of the banks that helped created the Financial Crisis. As a result of the Financial Crisis, they became XXXX of the largest banks in America from both acquiring and putting smaller banks out of business. I feel they have an obligation to our XXXX and our XXXX to provide a reasonable minimum level of customer service. 

Thank you for listening!

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 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I noticed recently that on my credit report there is a potential negative information posted on XX/XX/2017 I have a Bank Of America Master Card with {$31000.00} credit limit. My balance on card was reported {$31000.00} which is true but it exceeded due to the Interest/Service fees charged by Bank of America As we know credit card company never authorize any charge over credit limit.

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 2022-05-31
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I was a victim of bank fraud in the amount of {$500.00}. Someone conducted an unauthorized wire transfer of funds from my checking account. Once I discovered what had taken place, I immediately contacted my bank to report the matter. 
The ironic and unfortunate circumstances included a person impersonating a rep. from my bank conducting a security call. 
My bank is denying responsibility and has denied my claim.

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 2016-03-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was enrolled in an auto-pay program with Navient. The information made available to me was that the payment program could be cancelled by me at will. I cancelled the auto-pay on XXXX XXXX, XXXX, before the scheduled payment on XXXX XXXX, XXXX ( because I had closed the associated bank account. At the same time I made a one-time payment to cover the current bill ). Navient tried to withdraw the scheduled payment anyway, and has now charged me a fee of {$1.00} as a result of their error. I spoke to a supervisor named XXXX ( he refused to give a last name ) at XXXX XXXX PST on XXXX/XXXX/XXXX to correct this error, but he refused to take responsibility. Although my auto-pay program was said to be at will ( even in a document dated XXXX/XXXX/XXXX ), he said that Navient required 10 days notice to cancel the payment. I require my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16
Company: TENET HEALTHCARE CORPORATION
State: GA
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:
After several letters sent to syndicated office systems/central financial control to request HIPAA and debt violations concerning documentation for this debt that does not belong to me, the company has continued to ignore my 5 requests as well as continues to report inaccurate information on my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom it May Concern : I am having the worst experience with the " loan depot '' servicing department in New Jersey. Every time I call I am put on hold for over 30 minutes. Currently, I am on hold with the new jersey office for over 41 minutes with no response. I called an hour ago and was able to reach a representative who put me on hold to look into my account and the call was dropped. I had the most amazing experience on the financing side so this is completely disheartening. I made a {$710.00} payment on XX/XX/XXXX and it was never credited to my account because my bank had blocked my bank draft for XX/XX/XXXX. Loan depot is now trying to send me to collections saying I am behind by one payment and hasn't credited this {$710.00} payment to my account. I also made a full payment of {$1200.00} on XX/XX/XXXX as well. This is going to affect my credit horribly, so I am trying to get this addressed by the end of the month. My {$710.00} payment was pulled from my account but is not credited towards my mortgage and is lost somewhere. That is a large sum of money to have just sitting out in the atmosphere. I have also sent two emails through my payment portal ( see attached screenshot ) that have gone unanswered. I emailed XXXX ' on XX/XX/XXXX as directed by the new jersey office with my bank statement showing the money pulled out. Then, today I was told that was the wrong email and it needs to be sent to XXXX. I emailed them today and I have receipts of every phone call and email I've sent. 

Please see the attached supporting documents and all the emails that have gone unanswered. I can not correct the issue because the communication and customer service has been awful. I have called over 20 times between XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TransferWise Ltd
State: AS
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Company : WISE US Inc . 
Date of Transfer : XX/XX/2022 Amount of Transfer : XXXX dollars to XXXX XXXX TRANSACTION NUMBER : # XXXX I am XXXX XXXX XXXX, currently residing in XXXX  XXXX. I sent a XXXX dollars to my sister in the XXXX last XX/XX/XXXX, but until now she hasn't gotten any amount or credit in her XXXX Account ( XXXX ). 

They already debited the money to my account the day after I processed it. 

Can you help me to get my money back or can you be able to send it to my sister please. It's for her graduation. Idk what's happening. I am so stressed now. 

Please help me.. 

Call me at XXXX or email me at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: MI
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 spoke with an agent from EQUIFAX about my equifax score early XX/XX/XXXX because their were several things on my credit report that do not belong to me and are negativly impacting my credit score, equifax shows roughly 100 points lower than the other 2 reporting agencies. The following accounts do not belong to me XXXX XXXX XXXX XXXX open XX/XX/XXXX {$34000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX {$17000.00} XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX open XX/XX/XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX {$72.00} XXXX XXXX XXXX open XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Terrill Outsourcing Group
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by a company named XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of Superlative RM to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.

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 2022-05-31
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act Derogatory marks made from XXXX Tx XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act Derogatory marks made from XXXX Tx XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-06-01
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I XXXX with my XXXX degree in XX/XX/XXXX. I 've had to defer my loans a couple times due to financial hardships. But for the most part, I 've paid steadily for 14+ years on my original debt of {$37000.00}. In XXXX, I went to graduate school which stopped my loans for 2 years, while adding about {$27000.00} in student loan debt. I 've paid on them from XX/XX/XXXX to now, deferring once when I moved overseas for work. At the time of graduation in XX/XX/XXXX, I consolidated all my loans into XXXX : XXXX and XXXX school at a 4.5 % interest rate. I recently checked up on my loans. According to my provider, I 'll be paying on them till XX/XX/XXXX. The amount I will pay according to their time frame from XX/XX/XXXX to XX/XX/XXXX, will be an additional {$73000.00}. My question is : " What happened to all the money I 've paid on the loans? If my crude calculations are correct I will have been paying on my loans for 30 years at the tune of nearly {$200000.00} on XXXX loans for {$64000.00}. Is this correct? Or when my loan company sold my loan to another provider last year, something seriously got messed up? I 'm overseas still for work, and spending hours on the phone in the middle of the night does n't sound like fun to me. Especially, if this is legit and I should n't be complaining. Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Bank of New York for mortgage assistance and have been getting the run around. I have been supplying all the documents they request and once I supply those documents they keep asking for more and more and more. My single point of contact XXXX XXXX has been on vacation since the XXXX of XXXX and not returning until the XXXX of XXXX and when I leave messages for her manager I never get any returned calls. No one is properly reviewing my file nor concerned about my upcoming foreclosure in 2 days. I feel I have no one to talk to regarding my case and am being transferred around the loop and not being review properly nor fairly.

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 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
About six months ago, I submitted a complaint regarding my Bank of America credit card ( submission number XXXX ). With your help, I was able to resolve the issue within a few weeks ( thank you ). Now, I am in the process of buying a house and my rate is being negatively impacted because Bank of America is saying I had an overdue payment with them. I resolved this issue - I think it it wrong that I am now being penalized for standing up to Bank of America when they had improperly charged me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One got a copy of my report I don't recognize. And also XXXX XXXX XXXX got a copy of my credit report. I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: NY
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 called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX* on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation