BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
I have been affected by covid 19 disaster and requested a forbearance for card ending XXXX was granted in XXXX over phone and was told that I will not be required to make any payment, contacted them in XXXX and XXXX and was told the same that the account has been closed and put on forbearance, the negative reporting on my credit report was a error by the bank and will be removed., in the month of XXXX I called back and called bank several times phone, email, bank was closed to customersdue to COVID. The mobile app WAS LOCKED BY THE BANK will not let me make any payment, or transfer money from another bank account, OR MAKE ANY PAYMENTS TO MY CREDIT CARDS .Then they put three months late payment for XXXX, XXXX and XX/XX/2020 on my credit report with XXXX & XXXX . 
saw bank Manager Ms XXXX XXXX at the XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX to make the payment and resolve this and was promised that it will be fixed. As I sent an email to Ms XXXX next day the Bank manager went for leave next day for three months as per her email. Their billpayer department accepted that it was a bank error and will be fixed ; I deposited money in my saving account-through teller same day to make payments and the check was put on hold on XXXX XXXX and XXXX XXXX they put another 30 day late payment on my credit report on account ending XXXX. 
They will not answer phone, put on hold for long durations and disconnect once they pick up the phone.This is how the way things have been for several months with Bank Of America.

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 2017-02-24
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/XXXX my daughter and I traveled to the XXXX Clinic from NJ. While there, for the first time, I opened an XXXX acct with my TJ Maxx credit card ( Synchrony Bank ). We used the service several times for which I paid in full. During the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the XXXX acct was used fraudulently running up over {$800.00} in charges. I reported the fraud to Synchrony and they opened an investigation. After 3 months I began receiving calls from Synchrony saying my account was delinquent. Again I called to say this was fraud so they opened another investigation. Once again after several months I received a call from Synchrony to say my acct was delinquent. Yet again I went through the Fraud Dept and the Investigation team. I was told my fraud claim had been rejected because I did business with XXXX therefore it was my responsibility to contact XXXX with my fraudulent claim. I have attempted to contact XXXX without success. There is no telephone number nor address to contact. On the their website a web address is provided XXXX. I have in vain sent info describing this incident. After submitting it a several days later a notice comes back saying that it was not received. I can not begin to tell you how many times I 've tried to submit the information to them. In the meantime I have been sending money to Synchrony to protect my credit worthiness. It occurred to me that perhaps Synchrony had a contact that they communicated with or perhaps they also had the issue I was experiencing- not being able to contact XXXX. Today, XX/XX/XXXX, I received a phone call from Synchrony advising me that my account is past due. This time I asked Synchrony to show me actual proof that they did contact XXXX and if so I would like that info so I may get in touch with XXXX. After being switched to the third individual I spoke to XXXX who was an account Manager of Fraud Investigation. Donie was agitated and could not answer the question : who did Synchrony contact at XXXX? I need proof. XXXX said that info was not provided. XXXX said Synchrony had asked me to provide new information. I explained I was never asked to provide new information. Specifically what are they asking for. Once again XXXX could not provide answers. XXXX said this was my responsibility and the investigation had concluded. I asked to speak with a supervisor to which XXXX responded there are no supervisors. I asked for an employee id number to which I was told there were none. I challenged that so XXXX gave the following # XXXX. After 43 min of being on the phone I was put on hold and eventually disconnected. NEVER WAS I INFORMED THAT I COULD CONTACT CFPB IF I DIDNOT AGREE WITH THE CONCLUSION OF THE INVESTIGATION

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 2017-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Re :   USAA  Credit Card  Number  ending  XXXX . Dispute Resolution amount {$200.00} I AM REFUSING TO PAY THE AMOUNT. WHAT KIND OF A CREDIT CARD COMPANY AND I DEALING WITH HERE. I NEVER RECEIVED THE GOODS SO WHAT AM I PAYING FOR?. I AM YOUR CUSTOMER AND I CAN NOT GET A HOLD OF THIS MERCHANT SO I KNOW USAA NEVER DID A GOOD FAITH INVESTIGATION. NO TRACKING AND NO DELIVERY OF THE ITEMS AND NOW YOU TELL ME I HAVE TO PAY {$200.00}. NOT IN THIS LIFETIME. NEXT I WILL BE WRITING TO THE  CEO  AND WILL NEVER PAY FOR GOODS I NEVER RECEIVED. AGAIN SEE BELOW  : 1 ) I  purchased the Goods from this merchant ( SNEAKERS ).      2 )  The SNEAKERS were never shipped and or received.      3 )  I contacted the  XXXX   XXXX  XXXX  XXXX ?  XXXX  and requested update as far as the delivery or tracking numbe r 4 )  Received no response from Merchant as of this writing.      4 )  Please Refund the {$200.00} for item purchase but not shipped by Merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: AR
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:
I have requested several times for Experian to remove this information from my credit file. On XX/XX/2022, they responded to my request by declaring that the XXXX XXXX XXXX  XXXX  XXXX XXXX reported this information. I have submitted a letter from this court declaring that the court does not report this information to any third party.

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 2017-05-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a   bankruptcy showing on my credit report with Equifax. I filed a dispute on Sunday  XX/XX/XXXX  to have it removed. They show the investigation was completed on  XX/XX/XXXX  and they said they verified the correctness of what they were reporting through   XXXX   XXXX  . I contacted   XXXX   XXXX   about this and they did an investigation to check the validity of the bankruptcy and I received notice in XX/XX/XXXX that   XXXX   XXXX   had removed the bankruptcy from my national credit file with their company since they could not verify the bankruptcy. I then filed disputes on XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and all of these disputes were to get Equifax to remove the bankruptcy from my credit file since the third party company they use to verify the information had deleted the bankruptcy from my file with them. All of these disputes came back with the same response : The Results Of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor,   XXXX  
  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   GA   XXXX     XXXX   XXXX   XXXX   > > > We have reviewed the bankruptcy information. Case or ID #  XXXX  The results are : We have verified that this public record item is reporting correctly.
I find this kind of odd because I received a letter from   XXXX   XXXX   dated  XX/XX/XXXX  which was shows there was no bankruptcy on my file with them. My dispute with  Equifax  dated  XX/XX/XXXX  yielded the same response fro m Equifax a s all the other disputes. I then on  XX/XX/XXXX  filed another dispute with Equifax to have them remove the bankruptcy. I pulled my credit report from Equifax on  XX/XX/XXXX  and it shows the bankruptcy was still there but they had changed the updated date of reporting to XX/XX/XXXX . I called the Equifax automated system on XX/XX/XXXX and it stated that the investigation was completed on XX/XX/XXXX . Again I find this ridiculous that they did not remove it this time as I uploaded the letter from   XXXX   XXXX   that I received in  XX/XX/XXXX  stating that they had removed it from their records and I also upload the report that   XXXX   XXXX   sent me dated XX/XX/XXXX  showing that their were no bankruptcies listed on m  y credi t file with   XXXX   XXXX   ( company Equifax us  es to verify public records )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a phone call and Voicemail from XXXX XXXX from ( XXXX ) XXXX stating " This is XXXX XXXX calling for XXXX XXXX this is a courtesy call regarding a claim in my office my intent at this time is to move forward by the end of the business day for whatever reason there was a failure to respond I also need to inform you my efforts were documented the claim has been verified and you were notified and concerns please contact XXXX ... '' I returned the phone call at XXXX XXXX to inform them that I have requested serval times that they contact me via mail and not to call me anymore. When the phone was answered it was gentleman that did not give me his name and denied speaking with me in the past and was belligerent with me and told me that they will send me a summons and disconnected with me. I immediately call back and a woman answered I tried to explain the situation and told her I was filing a complaint, to which she stated you didn't need to call back and hung up on me. I do believe this is a collection agency trying to collect on a JC Penny Card that was paid off in XXXX, and is no longer on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My lender refuses to apply payments to principal rather than to interest even when I gave explicit instructions to do so. The loan is not currently in repayment, so the payment of {$2000.00} was well over any minimum due ( which is XXXX ). Below you can see their response, and, below that, my original payment instructions. It is also strange that they say they were required to apply the payment to interest when the payment was n't even scheduled to happen for another week. I have since cancelled the payment until I figure out if they really are allowed to do this. Thank you for your help. 

Their reply and my instructions : " Dear [ NAME ], Thank you for your inquiry regarding applying a payment to principal. 

Please accept our apologies for the confusion and inconvenience you have faced with your account. Please be advised your student loans are simple daily interest loans, meaning interest accrues on a daily basis, even if the account is paid ahead, based on the formula, Principal x Interest / XXXX = daily accrued interest. When a payment is received it must first be applied to any outstanding late fees, then any interest that has accrued, and then finally to principal. 

Unfortunately, we were required to apply all of your payment to interest. Please accept our apologies for the inconvenience this causes. 

If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX XXXX. to XXXX XXXX., and Friday XXXX XXXX. to XXXX XXXX XXXX. 

Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : [ EMAIL ] Date : XXXX/XXXX/2016 XXXX PM To : XXXXXXXXXXXX Subject : Special instructions for payment Account No : XXXX Borrower XXXX Dear Navient, These are instructions for how to apply my loan payments : Please apply payments to the principal when at all possible. For example, I will soon pay {$2000.00} toward my loan [ XX ] online, and I would like the {$2000.00} to lower loan [ XX ] 's principal from {$12000.00} to {$10000.00}. Thank you, [ NAME ] ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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 XXXX these accounts below has violated my rights. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-15
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 Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2016-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I noticed that my account had a negative balance. As I looked at the account, I noticed that a pending transaction was listed and the balance was positive but a {$35.00} overdraft transaction was incurred. I spoke with the representative and they stated that the pending transaction was included in my available balance although the item is still processing and the merchant has not processed a receipt. I feel as though this is an unfair practice that puts consumers at risk.

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 2017-03-07
Company: Navient Solutions, LLC.
State: CT
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:
I have a student loan with Navient with automatic debit. A few months ago I opened a new checking account and updated the information on their website. My profile states that my auto pay account is the new account provided ; however, the previous XXXX months Navient withdrew the funds from the old account resulting in two {$35.00} overdraft charges on the old account. After a phone call with customer service, I discovered that I needed to go to their " old '' site to make the changes. None of this was noted in the website I was directed to and seeing how my profile listed my new bank account number as my auto pay account I assumed that this was the account that was going to be debited. Navient needs to properly update their online system to reflect how this change needs to occur and reimburse me the fees charged. The school I attended was XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with BSI Financial Services. They have been overcharging me for insurance past two years. I called them over 30 times and numerous emails to tell them I have my own insurance in 2020 and upload all the documents to their system .they never returned my calls. They placed lender-placed insurance for {$4600.00} even do I have my own insurance. When I called today they said they changed their insurance department and no one seems to help me. They did same thing last year as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card
Issue: Other fee

Complaint:
Again, this is unacceptable. You 're telling me that I am liable for charges that someone in your company thought it was ok to illegally sign me up for, and I am liable because I did n't cancel within 30 days? I would have gladly done so if I would have know I was being charged every month. But again, I had no idea because I did NOT sign up for this credit protection. I do not dispute interest charges, I know I had a balance, there is no reason to dispute those. However, I am disputing these illegal credit protection charges. Also what is this Sales practice litigation settlement? I did not receive anything regarding this. Where is my signature, where is my phone call or memos showing that I authorized this? Again, someone at your bank, had an incentive to do this without proper authorization! I want these unauthorized fees back. Maybe I need to go somewhere else for assistance and make it known that Bank of America illegally sets up fees on people 's accounts and just because it was past 30 days, the customer is liable for it.

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 2021-11-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that EQUIFAX Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent a validation letter to AR Resources regarding an account. I requested that this company send me proof that I owe them money regarding this account. The amount of this account is {$620.00}. 

On XX/XX/2022, I received a letter that contained a bill. This bill did not prove that this debt was mine and that I owed this company any money. 

On XX/XX/XXXX, I sent a failure to validate letter to AR Resources ( via certified mail ) ; requesting that AR XXXX, validate the debt they claimed I owed for a second time because they failed to do so the first time and within 15 days. 

On XX/XX/2022 at XXXX AR resources received my letter. Today is XX/XX/2022 and I have yet to hear or receive anything else regarding this account. " Estoppel by silence '' legally means that this company had a duty to speak but failed to do so therefore I will like for these accounts to be deleted.

Company response to consumer: Closed with explanation