BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: LEXISNEXIS
State: SC
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:
Account disputed with credit bureau came back on XX/XX/XXXX with resolution of " updated '' however all data remains the same further more status update shows update XX/XX/XXXX which proof not proper investigation was carried out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Genesis FS Card Services, Inc.
State: SC
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:
Account disputed with credit bureau came back on XX/XX/XXXX with resolution of " updated '' however all data remains the same further more status update shows update XX/XX/XXXX which proof not proper investigation was carried out

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: KEYCORP
State: OH
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 attended XXXX University, graduating in XXXX XXXX. I have been making auto payments on my loan for the past 7 years and am in good standing. My interest rates are currently set at variable rates of XXXX % and XXXX % for XXXX different loans. Based off the interest rate, life of loan, and principal balance, I would think my monthly payment should be approximately {$450.00} ; however, I am paying $ XXXX monthly. When I called to inquire as to why I am paying so much more per month, I was told it is because of the variable interest rate. I consider this explanation inadequate and fear that I am paying more than required yet not paying off my loan any faster. Furthermore, XXXX advertises " help '' to get a lower monthly payment. I called to see if I could have a lower monthly payment, even if that meant extending the life of my loan, and I received no help. I was basically told I have no other repayment options because I am past the 18 month period since the start of loan repayment in XXXX XX/XX/XXXX. Based off the remaining principle, current interest rates, and my monthly payments, I calculate that I should have my loan paid off in XX/XX/XXXX versus my repayment schedule says repayment is XX/XX/XXXX. How do I know if this is correct? The answers provided by Great Lakes have not helped me understand my loan or repayment plan. I feel that Great Lakes servicing is deceptive in their marketing of lowering repayment options, misleading in how my monthly payment is determined, and unwilling to work with me, a borrower in good standing. Lastly, they do not have clear documentation on mygreatlakes.org of my entire payment history, interest rate changes, and information regarding my interest rate ( e.g., I can not find information as to whether my variable rates have a cap ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable negotiating of lower my payments to an reasonable payments, would not accept a reasonable payment arrangement even after i told them that i was homeless and without a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX is collecting on a debt that is XXXX XXXX XXXX! I defaulted on an auto loan that I signed for a family member who never paid. The car was repossessed, sent to auction and sold. The balance was XXXX and for a couple years I paid on it. After Financial struggles I couldnt pay it and now its more than 7 years old its 13-14 years old since repossessed and the account was closed. 
They left me a voicemail stating they were the Pre Legal department and that I needed to resolve this account for far to long and they wanted a statement. They call me XXXX times a day from different numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Initial debt with XXXX started in XX/XX/XXXX charged off account. Collection agency started reporting in XX/XX/XXXX. Still attempting to and reporting on a debt that is past the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My cash app account balance was XXXX dollars. Cash App approved a charge on my cash app account even though there was a lock on my debit card and the debit card number charged was old/expired and reported lost or stolen over 3months ago. The cash app balance is now negative {$180.00}. I contacted Cash App to dispute the charge. I asked Cash App how a charge could be paid when my card is locked for debit purchases and there was not enough money in my Cash App balance to pay a charge for {$180.00}. My cash app balance at the time was XXXX dollars. I was not given a response why this happened. They told me that I need to pay the negative balance if I want to continue to use Cash App. I would like the negative balance reversed immediately and my account balance bought to a positive balance. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Student loans with EDFinancial were transferred to XXXX for Processing under the XXXX XXXX XXXX. and are being reported to correctly by XXXX to the credit reporting agencys. But EDFinancial refuses to report the transfer and are reporting the closed loans as open and showing balances for loans they no longer have.Loans transfered XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: ALLY FINANCIAL 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:
XX/XX/2022 XXXX XXXX pulled my credit without my authorization to do 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 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Higher interest rate charged than originally told, never post payment on time and does n't add up to amount I need to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I received an ach from the small business administration. Unfortunately at this time I am unable to open a business account. I explained this to my loan officer and he specifically told me that it would not be a problem Bank of America is unfairly trying to force me to open a business account with them and holding my funds which I really need to access. I even told the bank manager ( XXXX XXXX XXXX ) Vice President of Bank of America located at XXXX XXXX XXXX XXXX, Il XXXX that that I had documentation to prove the origin of the funds and he told me outright that he believed the transaction was fraudulent also I spoke with XXXX XXXX ( XXXX ) XXXX and she was of no further assistance and was very condescending as well. I feel I was XXXX  profiled at this particular bank which I have banked with for years. I intend to seek legal counsel and damages as well as contacting different media outlets along with the aclu.

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 2017-03-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Harassing phone calls, upwards of 12 times a day. I have informed them off being hard of hearing and phone calls are not best for me, no change. They have also called personal references in order to get payments on loans. They have called my inlaws, which I have never given their information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
On XXXX XXXX, 2016, I placed my payment in full for my Perkins loan through ECSI. My grace period was ending on XXXX XXXX, 2016 and so I set it to pay on XXXX XXXX, 2016 ( interest would begin accruing on XXXX XXXX, 2016 ). I received a DirectPay confirmation on XXXX XXXX when I had placed my payment for the loan. On XXXX XXXX, 2016, my payment never went through. On XXXX XXXX, I contacted ECSI as I wanted a resolution as to why they had n't processed my payment yet. I never received a response ( but had been told through the system that I would hear back soon ). Interest accrued on XXXX XXXX. On XXXX XXXX, I tried contacting them again. Again, no response. Again on XXXX XXXX. Again, no response. I finally got a hold of someone on XXXX XXXX and they told me that nothing could be done. They told me it was my fault for not contacting them ( which I had ) and that I had n't processed the payment ( I had ). They told me they had deleted my payment ( for no reason? ) and that I had to pay the interest as well as interest that was set to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Navient Solutions, LLC.
State: WA
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:
In XXXX I took out a XXXX loan for my son to go to college. 
My son paid on the loan and in XXXX he merged all his loans and since has paid them off. In late XXXX, early XXXX of this year I answered a call to my home phone of what I thought would be a telemarketer, because the ID said unknown caller. The female voice on the line asked for XXXX. I said XXXX does not exist and she said I am so sorry. Realizing that she thought deceased I explained that I was XXXX XXXX but divorced and now XXXX. She then told me that she was calling on behalf of XXXX and that I had a loan that has not been satisfied. I told her that she had incorrect reporting and why in the world would you call 13 yrs later. Since then I have received several letters in the mail of which I sent a bankruptcy notice ( XXXX ). I found that Federal loans do not qualify. No problem show me all the payment history. Who paid on the loan when payments were made and how they were made. I to date have not received any satisfaction with this request. My son called XXXX of whom he had merged and paid all the student loans with. The investigative dept was conferenced call with my son and I and all quesitons asked. The investigator did say this sounds like it may be a fraudulent claim. Still waiting on the results.I called the company Navient, in early XX/XX/XXXX the woman told me that there was XXXX on the loan # I gave her. I asked if she could mail me a copy of this XXXX balance. She said that she would have to send it to the finance dept and that takes up to 48 hours. No problem could they maybe send it to my email. She said yes. I waited a couple of weeks and never received it so I called on XX/XX/XXXX. I got a woman named XXXX told her of my request and she said you will have to call the guarantor, XXXX she gave me a # called and spoke with XXXX told her of my request and she too said you will have to call the guarantor of the loan. Frustrated I told her I was told that by the last lady and this is the # she gave me. She still said you will have to call. Now I am retired and living on a fixed income. This is so frustrating. Is this legitimate? Do I owe. I am trying to take care of this and getting no help. 13 yrs is a bit long to have someone decide to call and collect. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
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:
Bank of America continues to charge me overdraft protection transfer fees when my account has not be overdrawn and no protection fees have been transferred. When I contacted them yesterday to try to resolve the issue, they refuse to reverse the fees even though they have no justifiable reason for enforcing them. They have recently XXXX online support for this issue so that there is no paper trail for their handling of the situation. Again, my account was never overdrawn and there was no need for overdraft protection, but it was applied by the bank regardless and then a fee was assessed. This occurred on XXXX/XXXX/16 among various other occasions.

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 2022-04-20
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently received an update to my eligible payments under XXXX. XXXX payments from XXXX have been marked ineligible without sufficient explanation. When I attempt to call, it is dropped. Chat is unavailable, and email gets a copy/paste response. 

I am a XXXX XXXX teacher, teaching for XXXX years. I consolidated into XXXX XXXX XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Consumer disputes this account information XXXX Subject has not satisfied debt., 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 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 2015-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I opened several CD 's of varying lengths with USAA Federal Savings Bank. 
I was told that if I had to close them early, I would have a penalty. I asked how much the penalty was and was told that it depended on the length of the term of the CD. 
But in no case would the penalty exceed the amount of interest accrued on the CD. 
I called today to close the CDs, and was told that the penalty would be over {$5000.00} on an account opened less than five months ago. I told them this is not what I was told but they refused to waive the fee even though they acknowledged the representative gave me incorrect information. 

Ive been a customer of USAA for over 33 years, I would not have placed the amount in an account for a long term had I known that the penalty would include principle. 

I can understand charging a penalty for the interest accrued but not for the principle balance of the CD. Especially when they admit the representative gave me incorrect information. 



I have spoken to several people at the bank and they acknowledge that the represenative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/22 I got a notification on XXXX XXXX that credit card with Truist ( formerly SunTrust ) that reporting past due. I have not used the card in over 7 months. On XX/XX/22 I called Truist, after holding and being transferred to different departments for almost an hour I filed a Fraud claim as I never made the {$17.00} purchase. I expected that the open Delinquency would be removed but I was told that it would take up to 30days as they investigate. I advised them that I am closing on a house in less than 30days and that it needs to be removed. I was transferred to a manager ( fraud dept ) whom was very rude and short with me. I advised that this could have been prevented had I received proper notice of the account balance / status via mailed statement / email / text / call, but I didnt receive anything notifying me. He claimed that they have been sending statements, I advised him that They Didnt even have my correct address updated. On XX/XX/22 I called to update my address, when I called XX/XX/22 they still had my prior address on file. I also mentioned that I have been mail forwarding ever since and have not received any information about my account owing a balance or being past due. He said that he can transfer me to the credit card dept and maybe they can better assist. Then I waited 35 more minutes and was transferred 2 more times ( was on the phone 1 hours & 58 minutes total ) I was transfer to XXXX  credit card dept but was told they can not help and I was transferred to XXXX dept, they advised the same. That they can not help me and I would have to wait up to 30days, said maybe Fraud just didnt want to deal with it as Credit Card dept can not help either. I mentioned that this could affect my personal life / ability to close on my home as this information is incorrect and the transaction is fraud. I have never in my life been late on a single account and now this could prevent me from closing up n my new home. I need this resolved.

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 2016-07-26
Company: EOS Holdings, Inc.
State: CT
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:
XXXX has placed me on collection for cable services to a person who is using services in the XXXX. They continue to attempt to collect on a wrongful account # XXXX. Services are being provided to an address in the XXXX where I do not reside or know anyone at this address. This is not my first wrongful debt incident with this company that I suspect is purposely doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: FL
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 asked XXXX, XXXX and Experian to please not share my credit report for any reason without my signed authorization. I have not applied for credit lines, telephone services or promotional credit offers. While reviewing my credit reports with all XXXX credit bureaus i learned these companies obtained a copy of my consumer reports without my authorization which has added over XXXX credit inquires on my report that i did not authorize or express permission to share my 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 2022-04-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX affiliated with Equifax has removed XXXX points for decrease payments explanation. 
XXXXXXXX XXXX associated with Equifax Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
XXXX XXXX XXXX is reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed XXXXXXXX XXXX XXXXXXXX associated with Equifax have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with Equifax has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX  point from XXXX on a credit card that I don't have. How can points be deducted if I don't have credit cards.

Company response to consumer: Closed with explanation