BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to do a home loan modification and I have repeatedly informed Bank of America that I am XXXX and need assistance in completing the modification. They have ignored my request and are going to foreclose on my home. I am elderly and XXXX and have no where to go and no way to get there. I believe bank of America has always planned on foreclosing on me because I am elderly and XXXX make me an easy target for them. My Bank of America home loan # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hi this debt is from XXXX, I submitted to the company a Driver license, my state ID, and my Social Security card and My full passport and my police report. proving I was out of the country for three years. and sign there affidavit and its still not resolved. They want even more info. this account is from fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX and the economy fell in to a major recession.I asked Bank of america for help in XXXX and one day in XXXX XXXX XXXX they call me at XXXX and offered to make my mortgage new principal balance XXXX monthly payment XXXX at 4.125 % .Then they added a BALLOON payment of XXXXI have read that balloon payments were not allowed, by the XXXX frank act.The government gave bank of america money to help and I dont feel I was helped.My monthly payment was XXXX before the modification.I feel they did not use any money from the government to help me.

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 2022-04-19
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), and XXXX XXXX ( Acct # XXXX ) have violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), and XXXX XXXX ( Acct # XXXX ) have violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written 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 2015-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have needed to take out over {$150000.00} in student loans to complete my graduate education XXXX. I now work XXXX and am not making ends meet because of the high cost of my loans. I fear I will never be able to afford a family. All of my loans, including government loans, are between 6 % and 8.5 %. How can banks charge such high rates when a person could buy a {$50000.00} car for almost no interest? I imagine they are " following the rules '', but what kind of society allows institutions to make money off the backs of young people who contribute significantly to the health of its population? Is there anything to be done? XXXX XXXX XXXX, PA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Opened a Visa account with B of A XX/XX/2007 and have had impeccable credit history with them since. In XX/XX/XXXX with no reason or forewarning they closed the XXXX credit limit with a {$9700.00} balance owed which reduced my credit score to a non lendable status/ score for a current loan I 've been working on. They also informed all XXXX credit bureaus immediately of this closure without informing me. Complete deformation of my nine years of credit with B of A. Will attach a recent credit report as proof.

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 2016-05-20
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This company has all kinds of representatives giving you wrong information. They told me while I was in XXXX I would have lower payments and once I XXXX I would have 6 months before I had to pay the loan. A week after I XXXX they took {$280.00} out of my banking account. I called in to tell them how it was explained to me of when my payments would start and they completely denied everything. I stopped making payments and of course the account went delinquent. I called in to figure out what I could do, and a SUPERVISOR specifically told me that according to clearing house it looks like I 'm below XXXX. I explained to her my next classes do n't begin till XXXX/XXXX/16 and she stated I could make a XXXX payment that would bring my account current and I had 30 days to turn in my schedule from clearing house showing that I 'm full time. She said the phone calls would stop and I do n't have to worry about another payment until they actually did receive the schedule. She did state that I have to make sure to turn in the schedule otherwise they could take action on the loan. Now, just 10 days later the harassing phone calls have started again and they 're stating " No, that was not what was told '' and want me to pay {$2000.00} up front.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
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: Information belongs to someone else

Complaint:
I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a student loan that is serviced by Navient. I do n't make enough money to be able to afford to pay off my loans even with income based repayment plans as I just had a daughter. My loans have ballooned out of control because I was advised to place my loans in forbearance every time I called and asked what my options are. This loan will be over {$90000.00} this year. And I am paying less than the interest now. I asked about lowering my interest rate and was told that is not an option. Navient, like any other company today is looking to exploit its customers as much as it can. Whats worse is I did n't have a choice in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
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: Account information incorrect

Complaint:
I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

XXXX XXXX XXXX XXXX, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is XXXX XXXX XXXX. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual.

Pursuant to 16 CFR 433.2, It is unfair and deceptive for XXXX XXXX XXXX to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what XXXX XXXX XXXX mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by XXXX XXXX  XXXX however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Summary : I opened a credit card account with Bank of America for a balance transfer. It is 0 % interest for XXXX months as long as payments are on time. Every time I log in to pay my monthly bill, I 'm told that my account is frozen and I need to call an XXXX number. I am unable to pay my bill. 
Details : I registered on-line to pay my first bill ( I pay all my bills on-line ) and when I attempted to pay my bill I received a message that my request could not be completed due to the status of my account and was instructed to call an XXXX number. I called and was told that it takes 10 days for my account to become active and available for online bill pay. I paid that bill over the phone - I said {$50.00} and {$51.00} was submitted. Last week I attempted to pay my XX/XX/XXXX bill of {$50.00} XXXX pymt # XXXX on this account ) and several days later received an email that my payment could not be processed due to the status of my account and to call the XXXX number. When I called, I was told that the routing number for my institution has changed. It has not - I have had that account for appr 10 years. I now have a late fee on my account. The man I spoke with on this call said that I was misinformed, that it does not take XXXX days for my account to be active. He said he corrected my routing number in the system and that I had to wait for XXXX hours to pay my bill. I attempted to do that again appr XXXX hours ( just to make sure they had enough time ), and received the same message that my request can not be processed due to the status of my account and to call the XXXX number. I attempted to do that. When I finally got through the menu and was told to explain in a few words what I needed, I said, " Bill Pay '' and the next thing I heard was " Good-Bye '' and was disconnected. I called in again, got through the menu and this time simply asked for a representative, and was told that the call volume was high and my wait would be long and to go to the website. My late fee has now increased. This is a 0 % interest card as long as the payments are on time, and they are preventing me from paying my bill. Interesting scam.

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 monetary relief
Consumer complaint received 2015-09-03
Company: Navient Solutions, LLC.
State: GA
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:
On XXXX XXXX attempted a payment for private loans with Navient account # XXXX. My online account showed a fee of {$14.00}. My account was current due to IBR and on-payments. My total amount due according to the system was to be {$530.00} with their Quick Pay system. My card was charged {$14.00} and {$330.00}. The rest of the payment was unprocessed without confirmation. I contacted customer service and Agent # XXXX confirmed that {$14.00} was a for a late fee which was to be applied to interest on my federal loan. My federal loan is on a $ XXXX and the rep said I did not owe this, yet I have been charged. I called again today and logged into their system and the account is showing that {$480.00} is owed. Which is incorrect. The system declared an amount owed for XXXX XXXX loan was {$150.00}, Agent XXXX 's system said {$140.00} was owed and processed that amount. Why is Navient continually showing late fees that are n't on a borrower 's account with an autopay system that just collects this. Even when I have tried to keep my payments current the system is overcharging and so is Navient. This system is designed to keep people in debt! This is outrageous! My student loans combined are more than XXXX of my income. I can barely make ends meet! Also it seems the only way I can get them to do anything right is via phone with payment by credit card and now they are charging {$15.00} to process this way and this is the first time they have disclosed that fee. When they overdrew my account before at no time was there every acknowledgement of any fees charged! Why is my statement showing more than what I owe? Are they arbitrarily adding money to my loans? My balance is $ 107+! Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: TRUIST FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Traded vehicle in and it was paid off but still is showing I owe on the vehicle

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 2022-07-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a call from Target on XX/XX/2022 asking if I opened a new credit card. I did not. They told me that there was a {$300.00} charge on the card. Some of my personal information was correct, but some was wrong, like drivers license # and email address. Target 's case number is XXXX. 

I then received a letter from XXXX XXXX on XX/XX/2022 asking if I opened a card. I did not. I called the next morning, XX/XX/2022 and reported this to to XXXX XXXX fraud dept. 

On XX/XX/2022, I also received a notification from XXXX ( account opened on XX/XX/2022 ) that XXXX XXXX inquired about opening a card. I have disputed that through XXXX. My case number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. LV N FUNDING XXXX XXXX XXXX XXXX  YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVN FUNDING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: First Step Group, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company identifying themselves as FIRST STEP GROUP contact me through a letter dated XXXX XXXX XXXX about an alleged debt that do not belong to me, and is many years past the statue of limitations.The letter stated that they are collecting on behalf of XXXX, XXXX.This account fell of my XXXX credit reports about 4yrs ago.the company letter also stated ; THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT.BECAUSE OF THE AGE OF YOUR DEBT, XXXX , XXXX WILL NOT SUE YOU FOR IT, AND XXXX , XXXX WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY.I contacted XXXX XXXX XXXX and was told by them that they do not have an account with my name on it on file.It is my belief that this company is trying to collect a debt that is way past the SOLand a debt that do not belong to me.I have disputed this debt with them and have not received any verification as of this date XX/XX/XXXX.This is a matter that dates back to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have XXXX credit cards with Citibank and have since XXXX and have never been late and pay my cards off every year. 

In XXXX of XXXX Citibank lowered the credit limit on my credit card after a late payment was reported. This late payment was disputed and removed from my credit report. 
However, Citibank refused to raise my limit back up and this caused a XXXX point drop in my credit report. 
Now, XX/XX/XXXX, Citibank is using this XXXX point decrease in my credit score, THAT THEY CAUSED, to lower my credit limit on my XXXX credit card with them. This is also now impacting my credit score.

I have tried to discuss with Citibanks 's CS and they give me the run around saying it is tied to my credit report and to review that even though I have explained the error. No one listens or cares that they are affecting my finances.

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