BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This is a complaint about Navient Corp. They are the loan servicer for multiple student loans of mine. I recently refinanced my federal and private student loans, as well as my Department of Education student loans that are serviced by Navient with a {$250000.00} private loan ; Navient is also the loan servicer of this refinanced loan. The private loan entity disbursed funds to Navient on XXXX/XXXX/2016 in the amount of approximately {$180000.00} with the intent of paying off pre-specified federal and private, and DOE student loans. However, those funds were applied by Navient in error to only XXXX of my private loans, XXXX of which was never supposed to be paid off in the first place. All XXXX of the loans to which funds were applied were over paid by nearly {$50000.00}. I immediately reached out to Navient regarding this issue, and initially received reassurance that funds could be shuffled around and everything with my account would be made right. It has now been five weeks and my account is still not accurate. In fact, Navient claims that the private loan that was not supposed to be paid off because it was a consolidated loan having a 3.5 % interest rate ( why would I ever refinance it with an interest rate of 5.125 %? ) is not able to be reversed for reasons that have not been made clear to me by the Navient supervisor that I have been dealing with over the phone. When I asked the supervisor to be connected directly with the monetary department who physically makes changes to customer 's accounts to explain exactly what the issues are with my account, I was told there is no way to contact them. Meanwhile, the refinanced loan of {$250000.00} has already accrued {$1500.00} interest and because it has not been disbursed correctly, loans that should have been paid off in full on XXXX/XXXX/2016 also continue to accrue interest that I am paying on. At this point, I seem to only meet resistance from the supervisor handling my situation and I am certainly not seeing progress toward a resolution. I have been more than patient with Navient XX/XX/XXXX, and I believe have given them fair time to address and correct this issue. However, I currently feel backed into a corner and taken advantage of without any control of my own to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. Systems is CONSTANTLY contacting me claiming that " XXXX XXXX '' owes {$300.00} XXXX ( XXXX ). They have the wrong person as my name is not " XXXX ''. They repeatedly call and send letters after I've asked them to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
i have excellent credit just check my report using Trans Union they are XXXX creditor on my report all my application got turn down from these creditor trans union say i should call and ask for a deletion letter i call but keep getting redirected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank called once an hour than twice within 15 minutes on XX/XX/2020. 
XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise credit services keeps calling me about 10 times a week to collect a debt that i do not owe. The person they are looking for is a relative who never used my phone number as their contact info. i called 3 times and asked to be removed. The reps state everytime i was being removed but the calls wouldn't stop. I called today again spoke to a rep and explained the situation she said i had not been removed and that she would remove me from the call list. At that point i asked to speak to a supervisor. I was told by the rep that i did not need to speak to a supervisor since she would only do the same thing she did and said i was being removed and hung up on me. The calls are still coming. I have spoken to 4 people to stop calling me over a debt i do not owe and they are not complying and i think at this point that is considered harassment.

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 2022-09-12
Company: American First Finance, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the line of credit for a washer & dryer that cost a total of XXXX total. Finance fees included it was suppose to XXXX. Now 11 months later I paid more then XXXX or more for the units and they saying I owed them XXXX for the units because I missed the pay off time for the XXXX and they charging XXXX now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past several months. My mortgage lender has been calling a cell phone number I use also for work. The calls are every day, atleast 3 times a day. I have called the service center and I have went into a local branch and had a mgr also call to have my number added to do not call list. The calls are still coming thru. Each person has told me they made the change but nothing has stopped the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notifications that I have a potential negative error on my credit report from a company Sunrise Credit Services, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NY XXXX, XXXX for XXXX XXXX. I have never received any written notification and they are reporting inaccurate information. Sunrise is showing false representation of ( a ) the character, amount, or legal status of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Navient Solutions, LLC.
State: CA
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:
My monthly payment increased to $ XXXX/month and I was laid off from my job. After going back and forth with my private loan provider about lowering my interest rate, my application for a lowered interest rate was denied twice. Now I am being hit with late fees in addition to two months of unpaid payments. I do n't know what to do, and the company is not giving me ANY information on how to move forward in a way that works for me in my current situation. If my payments were lowered, I could continue paying on time as I have done every single month since graduation in 2009. Instead of helping their clients, private loan companies pigeonhole them and hold they accountable for insanely high payments even during unexpected hardships, such as losing a job. I 'm simply asking for a new or revised contract, in which the folks on the phone at Navient are unhelpful with their information and keep repeating the contract I 'm currently in. I should n't be a prisoner of my student loan debt. I am a responsible person who is trying my best to make payments every month, but when my $ XXXX/month payment gets double and I lose my job, I simply can not pay. I should n't have to explain to any decent person that I have other payments to make such as rent, food, utilities, health costs, other student debts, etc. etc. If I was living off the streets would it be a reasonable cause for my payments to be lowered?! Not everyone has a trust fund and not everyone can scrape their family members clean of their hard earned money. My voice is not being heard. It 's simply unacceptable that while I 'm in communication with the company about a revised contract I " owe '' a late fee. I do n't know why this type of business is n't being called as what it is -- criminal activity. Forgive me for putting myself through school and borrowing money. I 'm truly at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The debt collection company MSB Municipal Services Bureau did not respond to my letter of dispute and I also requested them to validate the debt. Instead, they sent me a second notice indicating that they gave me the opportunity to dispute and there was no notification received by their office. After receiving their XXXX notice I called them at XXXX the XXXX representative was very rude and snide when speaking to me, he then put another representative on the line and he admitted that MSB did in fact receive my letter of dispute and request for validation of the debt. The representative then said that because the XXXX letter was already sent that I could no longer dispute nor did they have to validate the debt. My initial dispute and request to validate the debt was completed within the XXXX day time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 WAS TOLD I BELIEVE THE DATE WAS XXXX/XXXX { GIVE OR TAKE A DAY OR TWO WITHIN THAT DATE } THAT CITIZENS BANK WAS FINALLY GOING TO CORRECT NEGITIVE INFORMATION ON ALL THREE CREDIT BUREAUS. AND GIVE ME AND MY HUSBAND A GOOD WILL ADJUSTMENT AND THIS WAS GRANTED ON XX/XX/XXXX BY CITIZENS AND THE NEGITIVE INFORMATION THAT THEY HAVE BEEN REPORTING FOR THE PAST2-3 YEARS WOULD FINIALLY BE REMOVED/UPDATED. I WAS ALSO TOLD THE SAME INFORMATION ON XX/XX/XXXX AS WELL. BUT WHEN I CALLED THE FOLLOWING WEEK I WAS TOLD THAT WAS NOT TRUE THEY WERE NOT GOING TO DO THIS AND THEY SAID THEY NEVER TOLD ME OTHER WISE. I HAVE REQUESTED SEVRAL TIMES THAT THEY PULL THESE PHONE CALLS OF THEM TELLING ME I WAS GRANTED A GOOD WILL ADJUSTMENT AND THIS WAS SUPPPOSEDLY SENT TO THIER RESEARCH DEPT. I HAVE YET TO HEAR ANYTHING I WAS TOLD SOMEONE WOULD CALL ME AND I HAVE HEARD NOTHING. THIS IS NOT THE FIRST TIME CITIZENS HAS LIED!!! I NEED THIS INVESTIGATED THIS IS DRASTICLLY HURTING MY CREDIT REPORT AND I NEED THEN TO GRANT THIS ADJUSTMENT LIKE THEY SAID THEY WERE GOING TO. I HAVE BEEN DISPUTING THIS WITH THIS COMPANY CONSTANTLY FOR THE PAST THREE YEARS A LENDER SHOULD NOT BE ALLOWED TO DO THIS TO ANYONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted AWA Collections, this company via phone as well as certified letter to validate my debt. The refuse and use a po box listed on consumer reporting agencies sites to avoid having consumers send certified mail. The day after I spoke with them on the phone they proceeded to make more claims on my XXXX credit report for the debt. The debt listed is more than the original amount. Also the have listed the same debt on my credit report 2 times to make the debt outstanding again so that I have to re-submit a debt validation letter that they will not be able to validate again. They are negatively effecting my credit report and this practice is fraudulent. In case others may have this issue after a XXXX search I have learned that there address is XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I visited TransUnion 's website, transunion.com, to view my credit score. I clicked on the bright yellow button in the top right corner titled " GET YOUR CREDIT SCORE '' [ Page 1, ANNEX-1 ].

In the top, the title read " Be in the know with TransUnion see your credit score NOW ''.

Nothing clearly stated - that I was in fact about to signup for a membership with a monthly commitment. Only a small inconspicuous box to the right ( That I discovered after ) has the wording : " Credit Monitoring for $ XXXX ( plus tax where applicable ). '' No terms are shown anywhere. 

On the next page, I'm asked to enter my credit card. I didn't find the disclosure of my credit card odd, as TransUnion is a credit agency, and I assumed it was part of the process to retrieve my personal data. 

At this point, no breakdown of any membership, potential cost, or terms is stated. 

Upon clicking next, I get a message from my bank that my card has been charged. 

In my mind, there is no doubt that this registration process was designed to trick people into opting in for an unwanted membership. No confirmation box to check. No summary of the proposed transaction. No statement of any potentially applicable tax ( Otherwise stated in the hidden-away box on the previous page ). Finally, no statement of any recurring payments. 

One could argue this constitutes as unlawful under several sections in federal law 15 U.S.C. 8402 ( ROSCA Restore Online Shoppers ' Confidence Act ). Section A.1.A, A.1.C, A.2.B.

As you are aware, this is not the first time TransUnion has acted unlawfully in an attempt to trick consumers into memberships, as it's stated in Stipulation File No. 2017- CFPB-0002.

https : //www.consumerfinance.gov/enforcement/actions/transunion-interactive-inc-transunion-llc-and-transunion/ When calling the TransUnion, I was routed around to overseas representatives, who were extremely poorly trained. I was not able to reach a line manager, but was promised a refund. A refund I am yet to receive. Their website offers no obvious way of contacting by email, mail, or chat.

Please don't hesitate to reach out to me for more information.

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 2021-10-29
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2021, I received a letter in the mail from XXXX that the Chapter XXXX Bankruptcy on my Consumer Report was removed. On XX/XX/2021, I opened a dispute with Equifax ( Confirmation number XXXX ) to have the Chapter XXXX Bankruptcy removed, and on XX/XX/2021, they completed the investigation by responding with the following : Public Record Information This section included public record items Equifax obtained from local, state, and federal courts through a third party vendor, XXXX. 

However, on XX/XX/2021, I wrote a letter to the Clerk of Courts for the US Bankruptcy Court for the XXXX XXXX of Michigan asking if they report any public records information to the Credit Reporting Agencies or any Credit Bureaus. They responded with a letter that they do not as it is against the law to do so. 

So this public record information should not have come back as verified, because there is no source to verify it or that's reporting it. 

As of XX/XX/2021, I opened another dispute ( Confirmation number XXXX ) asking Equifax to reinvestigate this information and I have uploaded the same supporting documents which I have included in my complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Account was opened in XX/XX/XXXX with a promo code that was for {$250.00} once a direct deposit was initiated. I inquired onXX/XX/XXXX about the posting of the {$250.00} and was informed tat the code I used was not valid for the account i opened. Supposedly the account I opened had a different code. The account opening process was done all online and the banks system accepted the promo code with the account I opened.

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 2022-01-06
Company: EQUIFAX, INC.
State: HI
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:
EQUIFAX DID NOT FULFILL THEIR FCRA 611, 15 U.S.C.1681i, REQUIREMENTS FOR REINSERTION OF PREVIOUSLY DELETED MATERIAL, SEE BELOW EXPLANATION. 

ON XX/XX/2021, I DISPUTED XXXX XXXX XXXX XXXX ACCOUNT # XXXX, WITH EQUIFAX, ON NOVEMEBR XXXX EQUIFAX REMOVED THIS ACCOUNT FROM MY CREDIT REPORT. 
I WAS SHOCKED TO SEE THE PORTFOLIO ACCOUNT BE REINSERTED ON XX/XX/XXXX TO MY EQUIFAX CREDIT REPORT. 
EQUIFAX FAILED TO GIVE ME A 5 DAY NOTIFICATION ABOUT REINSERTION OF THIS ACCOUNT AND EQUIFAX DID NOT FURNISH ME PROOF OF CERTIFICATION BEFORE REINSERTING THIS INVALID ACCOUNT, BOTH BLATANT FCRA 611, 15 U.S.C 1681i VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: U.S. BANCORP
State: LA
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 checked my credit report and noticed a recent credit card opened for US Bank, I have never applied for this card. It dropped my score by XXXX points. I have tried several times to contact US bank and the hold time is over an hour. I need this off my report, and investigated to see whom initiated this fraudulent credit card under my name.

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 2017-02-15
Company: Student Services
State: RI
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
A third party debt relief service -Student Loan Aid- has been accessing my account and withdrawing funds but not applying these funds directly to my student loans. They also put my loan in general forbearance without my permission. I recently learned that this business was noted " not accredited '' by the BBB. This is clearly a for-profit company charging " fees '' and keeping your money - IT IS A SCAM! 
For me, this was originated on XXXX/XXXX/15 and my payments have not been accurately applied to my student loans since that time. I was not allowed access to my own accounts online because they changed the email address connected with the account - one that I did not have access to and could not use to recover access to my account. 

Please see attached bank statement as an example of this type of withdrawal in the amount of {$340.00}, which has been occurring on the XXXX of each month.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04
Company: DISCOVER BANK
State: NJ
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 receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and XXXX made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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 Acs XXXX XXXX XXXX  account and XXXX, have violated my rights. 

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

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation