BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MO
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:
After reading an article that CFPB is suing Navient for giving inaccurate information, I decided I needed to file a complaint. Navient calculated my monthly payments incorrectly under my income-based plan. When I called to question them about it, they actually, RAISED my payment making it more difficult for me to pay. Instead of dealing with the issue of calculating the payment incorrectly, the customer service agent pushed me toward forbearance for a year, increasing the amount of interest on my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2015-07-17
Company: Navient Solutions, LLC.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For several months, a debt collection agency with caller ID ( XXXX ) XXXX and ( XXXX ) XXXX has been harassing me at my work number with constant calls over a debt collection for an employee that no longer works at my place of employment. Repeated notifications that the employee is no longer employed went unheeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-XXXX-17 my account has been in good standing & current with all payments. 
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date. 
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX # XXXX This debt was a result of a dispute between my family and the apartment complex lived in approximately two years ago. Because of the circumstances surrounding the cancellation of the lease the original client request for this case to be closed with the collection agency. The collection agency closed the account at the request of the their client but failed to remove it from my Experian 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 non-monetary relief
Consumer complaint received 2022-06-09
Company: ALLIANT CREDIT UNION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have tried to an set up online payments with Alliant credit Union and was told they needed to get the ok from my husband in order to do that. I am fully on the loan, fully responsible to make timely payments and it is on my credit report. I should not have to get the ok from anyone in order to make payments on a loan I'm responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX, HUD Housing Specialist, tel # XXXX, ticket # XXXX informed us this morning that this Borrower does not qualify for the FHA Preforeclosure Sales Program due to the delinquency of over 43 months. She stated that this was a Bank of America error. She stated that it was up to the lender whether or not they would accept or reject a pending offer. 

No one from Bank of America has ever advised or disclosed this information to us or the Borrower. In fact, the information that was given us was that it was HUD that would not allow the postponement of the scheduled Trustee Sale scheduled on XXXX XXXX. No one from Bank of America has offered any " other '' Short Sale programs that the Borrower may qualify for. Compounding the problem is that we have 2 appraisals with a significant difference in value. 

Due to this oversight, we request that the sale be postponed. We are submitting a new all cash offer for {$250000.00} today. We request that this offer be considered for a HAFA short sale or any other alternative short sale. But, we need time to properly prepare the Closing Documents based on whatever program the Borrower qualifies for. 
Any consideration less than this would not be in good faith due to the discovery of this oversight. Please escalate this to the highest level. 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 non-monetary relief
Consumer complaint received 2016-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America reorganized my charges on my account to put a {$38.00} charge at the most recent in order to access me a {$35.00} over draft fee putting em XXXX in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Wallet Stolen XX/XX/2019 resulting in fraudulent inquiries for lines of credit using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I attempted to close an account in XXXX 2015 because I had automatic payments I could n't get stopped. I brought the account to a zero balance as I was told, but the account did n't close.I would deposit money to the account to again bring to a XXXX balance but still would n't close.Bank of America took money from my mother 's act to bring to a XXXX alance, but they still have n't closed it.Eventually the brach call the back office last month, they put stop payments on all the automatic debits, but the keep coming out. I was told to call the phone center for my fees and they basically laughed at me. I asked to speak with a manager who need called me back.Called the branch and they wo n't reverse the fees because it would count against their branch. Today they have taken {$92.00} from my regular account to put in the account that is overdrawn with automatic payments still coming. I have emailed the CEO, but I doubt I will hear anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 

Bankruptcy XXXX XXXX Filed on XX/XX/ Reference number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
This was on my background check for employment : Court Searched Distric t And County Co urts Case Type Conviction Case Level Misdemeanor Case Status Closed Case Offense Date  XXXX  Offense Type Misdemeanor Offense Description   XXXX   XXXX   XXXX   Disposition Date  XXXX    Disposition PLEA NOLO CONTENDER Outcome Conviction 1. Sentence Type : Jail ; Sentence Length : 120 Days ; Consecutive/Concurrent : Consecutive 2. Sentence Type : Probation ; Sentence Length : 12 Months ; Consecutive/Concurrent : Consecutive Number ( 1 ) did not happen.
Only number ( 2 ) did ; plus it was 17 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Collection Agency  continues to remove this collection from  XXXX  and reinsert it without my knowledge to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08
Company: ALLY FINANCIAL INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I totalled my XXXX XXXX in XXXX XXXX. It was paid off by my GAP insurance with XXXX. Ally Financial claims that they were short paid by XXXX. Several months later they are chasing me for the shortage that I was not liable for. They show my on my report XXXX days late and owing {$400.00}, which is not accurate. I am paid in full according to GAP. I am not liable for the shortage if there is indeed 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 2017-12-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Have had my card turned off due to improper trasactions on card and have a new one on the way. However in the meantime have run out of cash to live. Food etc. But when i ask XXXX to temporarily turn my existing card on to access my funds so i can eat during XXXX they deny me several times. I am XXXX XXXX no car and cant walk and im being denied my own funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a contract with  XXXX  that initiated on  XX/XX/XXXX . After having  XXXX  services performed, I noticed my lawn deteriorating. I reached out to  XXXX  and expressed my concerns. They blamed it on our lack of rain, although I had been watering the lawn myself and incurring the additional expense on my water bill. On  XX/XX/XXXX  I called and spoke with  XXXX  at  XXXX . I informed her that I wished to discontinue my agreement with  XXXX  because my lawn looked much worse than when I started. She assured me that my account had been noted and that no additional charges would be made. The area manager,  XXXX   (   XXXX  )  XXXX  called me on  XXXX  and said that he was sorry for the poor service that I had received and that he was going to come and evaluate my yard to see if there was anything they could do to win back my business. He said that he would remove the unauthorized charges from my account. As of today  (   XX/XX/XXXX   ),   I have never seen or heard from them again. I am now receiving collection notices from Transworld Systems for the {$230.00} amount. I have written to them explaining all of this, however they continue to attempt collection. I do not want this to tarnish my credit. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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: Credit inquiries on your report that you don't recognize

Complaint:
This was previously disputed and Transunion failed to address this to the CFPB in the last dispute.     I am signed up for Transunions credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is the  6th tim e I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that Transunions credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.

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 2017-04-27
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Very unclear and difficult to deal with and their website is very hard to find information and I think my payments have not been applied correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  We have been fighting an illegal foreclosure for over 10 years against Ocwen and  XXXX   XXXX . We are going through an endless nightmare. These companies are the most corrupt criminal enterprises. The physical and emotional abuse they cause is beyond what any human being should ever endure. They are the definition of a true terrorist. Anyone who has dealt with or is dealing with these criminals should be given relief immediately. The lawsuit that the CFPB, state Regulators and Attorney Generals ' have brought against Ocwen will hopefully put the last nail in their coffins. Ocwen and  XXXX   XXXX , both need to be put out of business for good! These illegal foreclosures have destroyed our way of life in this country. Something needs to be done to make all affected whole again.

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 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On my online bank statement, I have a pending transaction at the top of the page, then XXXX overdraft charges, then a check that shows as cleared with a positive balance. They 're charging me an overdraft fee both for the pending transaction, and XXXX for the check that cleared ( in the past ) with a positive balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-08
Company: Clarity Services
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my Experian credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello my mother opened up a Safety Deposit Box. She opened up an account with my money, she put my money in Stocks and CD 's. The Bank at the time was XXXX Bank that turned into Bank of America. My mother forgot about the funds that is in the box. She never received information about where the Safety Box moved to. Today we 're trying to locate the Safety Deposit Box. We contacted Bank of America and they do not have the box and her name is not in unclaimed funds. The Box is in her name but the stocks and cd 's are in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I use Bank of America billpay to send money to individuals. When the individual tries to cash the check at any Bbank of America branch, Bank of America responds that they do n't have to honor it because it 's not drawn on Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
We have been paying on a {$6000.00} loan since XX/XX/XXXX and still have a {$4200.00} balance. Payments have only been {$64.00}, but it appears this loan is being serviced like a credit card with the interest payment never getting any lower. Is this correct? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: DriveTime
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Drive Time is an National Buy here pay here car  lot who predatory practices are criminal. THEY sale customers a vehicle wort h  XXXX -   XXXX     XXXX  dollars mark it up on the lot to aroun d  XXXX -   XXXX   XXXX  then act like there getting you a loan when it 's a buy here pay there is no loan and the loan is at o ver 20-  30 % interest leaving you a bill of ov er 21k fo r a used vehicle worth  XXXX . I 'm sure there paperwork is in order when it comes to legal issues I just think the government needs to step in and do something about it its like me charging  XXXX  $ for a gallon of milk just because the time was rite its an immoral unfair business practice they need to be shut down or fined. There customer base is single parents and low income so they 're paying car payments every time they get paid meaning some months they pay over 600+ per month this product is not helping anyone but the owners of the company a  XXXX  sold for  XXXX  that 's  XXXX  profit will some one look into them thanks

Company response to consumer: Closed with explanation