BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, 2017, I noticed that the monthly payment of {$810.00} I had set up originally to come out of my account on the XXXX of every month had not been taken out and a couple of the loans were past due. I called Navient to see what the issue was and they said the repayment plan was over. They never notified me that it ended. If they did it would have been through e-mail with a link to messages that does not work any time I click on it. At that time they said I could do another repayment plan, this time the payments were going to be {$860.00} instead taken out on the XXXX of every month starting XXXX XXXX, 2017, and offered no explanation as to why the payments increased. At this time I requested a repayment plan and also if they could lower the interest rate on the loans, since I was originally paying {$810.00} every month and the principal was not decreasing at all. They refused to offer me a lower interest rate. <P/>One XXXX XXXX, 2017, I checked to make sure my payment came out on the XXXX XXXX, 2017 and it had not and my loans were again past due. I called again on that date and they said that the autopay that they had set up with me on XX/XX/XXXX on the phone got denied but they never notified me. They told me to go online and set up the autopay myself which I 'm going to do for XX/XX/XXXX. <P/>At the rate this is going I will never pay this loan off, all of my payments go to interest and after almost two ( 2 ) years of making {$810.00} payments a month, the principal has not decreased at all. To me, this is egregious. They are the worst company to deal with. They do not notify me of anything and have messed my account up numerous times and never have an explanation. <P/>I would like a lower interest rate and a better accurate payment plan, but they are not interested in helping their consumers at all, just gauging them as much as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX I applied for a XXXX XXXX credit card and was denied. In the denial letter, XXXX stated that the denial was based on negative information reported by TransUnion. After contacting TransUnion and receiving a copy of my credit report, I was informed by TransUnion that I had no negative information that could have been used in XXXX XXXX  decision. After days and hours on the phone, I was finally able to contact a representative from XXXX who informed me that their internal records system showed I still had a negative account from XXXX ending in # XXXX. This is an error on XXXX XXXX  end, as this account was included in a Chapter XXXX Bankruptcy in XXXX. XXXX declined my application for a credit card 12 years after the fact using internal records and data information that was not provided to any of the 3 credit bureaus, yet it was the main piece of information used against me when judging my creditworthiness. This behavior is unacceptable to me, to use outdated internal information ( that is actually incorrect and should have been properly been listed as " included in BK in XXXX '' ) for a credit decision that the consumer doesn't even have access to and can't properly dispute through the credit bureaus. I was able to obtain the address for XXXX XXXX  internal dispute department and wrote them on two separate occasions, yet have not received any type of communication from them. Please assist me in this matter, as XXXX is completely ignoring me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. 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 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I requested a history statmente for a closed Bank of America HELOC The bank refused to Email or Fax the statment. 
I provided account number and SSN yet they said we have to ask you secuirty questions, whitch was which of these phone numbers was yours? 
some of the questions was about information from 20 years ago!!!! 
i need the statment so i can close on another house in 10 Days they refused to supply me with 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 non-monetary relief
Consumer complaint received 2017-06-28
Company: Alorica Inc.
State: OH
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 XXXX XXXX, 2017, I sent a letter to Global Receivables asking them to validate I owe to them in the amount of {$160.00}. I requested that they send me something bearing my signature to support this supposed debt in which I owe them ( Global Receivables ). <P/>They sent me a reply on XXXX XXXX, 2017 along with a copy of my account with the original provider which shows which procedures were performed, the codes associated with them, and the cost of them. <P/>On XXXX XXXX, 2017 I sent them another letter explaining that they have failed in validating that this account belongs to them. I also informed them since they had sent me a copy of my account with the original provider which lists the procedures I had done, was in direct violation of the HIPAA laws, and requested them to provide me with any viable documentation, bearing my signature, that I owe them {$160.00}. <P/>They have not responded to my last letter, which they received on XXXX XXXX, 2017

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 2021-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have these accounts that are not mine and i want them to be remove. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2022-08-15
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:
From XX/XX/XXXX to XX/XX/XXXX, I sent several letters, each with a full attachment of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorized inquiries should be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom it may concern, Navient/XXXX XXXX have been servicing my student loans for many years. Beginning in XX/XX/XXXX/XX/XX/XXXX - I began my college career and did so with the help of student loans. My grandmother, who was a XXXX, co-signed a student loan for my sophomore year tuition, a $ XXXX loan disbursed XX/XX/XXXX. This same loan now has a current balance of $ XXXX some 15 + years later. My loans are in good standing and have been on autopay for some time. Throughout the life of my student loans, I have repaid well over $ 60K. <P/>What 's troubling is that through various points throughout, status of these burdensome and variable rate loans have had an impact on my financial viability and credit reporting. I am in active contact with my United States Senator 's staff regarding this topic and suitable actions moving forward. I feel misled and boxed in to endless monthly automatic payments with no end in sight. <P/>My pursuit was XXXX XXXX initially with my career, studying XXXX XXXX and then XXXX XXXX. I have spent much time in the XXXX XXXX however, post-XX/XX/XXXX financial crash, XXXX XXXX XXXX jobs became very difficult to obtain and hold. As an example, working for a XXXX in CT beginning in XX/XX/XXXX, my position each year had an evolving status of full-time, part-time, and then finally position eliminated due to budget in XX/XX/XXXX. <P/>I am looking for thoughtful and compassionate solutions that will ultimately lead to much forgiveness on the remaining loans at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
BOA XXXX card missing with fraud suspected BOA wants XXXX dollars to replace Negative balance of XXXX dollars with close to XXXX dollars in pipeline for deposit. 
Nearly 30 year customer of Bank of America XXXX of XXXX dollar charge denied and replacement card refused. 

Predatory Retaliation Greater Potential for XXXX XXXX Bank of America thanks in part to Assistant Vice President in XXXX XXXX XXXX efforts to evidently sabatoge my financial well being. 

Thanks.

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 2017-10-18
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I closed my account with XXXX XXXX of XXXX. To my knowledge at that time, there was a paid balance, and I had {$0.00} due. Was not aware that there would end up being a closing bill of {$90.00}. I 'm guessing the summer went by and they sent my account to a collection agency. During that spring and summer XXXX failed to notify me of that closing bill. Now here is the issue. Collection agency also failed to notify me of their attempt to collect debt. Did not receive a letter by mail, e-mail, or a phone call. I found out through my credit report I had a derogatory mark and called the collection agency immediately. They claim that they spoke with me XXXX times WITHIN THE PAST XXXX WEEKS. but all three times were me calling them to verify my dispute status after my credit report gave awareness to their attempt in collecting 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 2017-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We discovered someone within our company was writing fraudulent checks to them self and a second person not working for the company. We contacted XXXX XXXX at Fifth Third Bank to let her know what we had discovered and requested additional prior months going back to 2010. ( She is our local branch manager. ) We asked for those images several more times from XXXX XXXX, but did not receive those. In XX/XX/XXXX we stopped receiving the canceled check images with our monthly statements all together. They had also changed the format of our online banking so that check images would have to be view individually, taking hours to reconcile. We made several attempts to get this changed, including calling XXXX XXXX and Fifth Third 's  customer service. We noticed that when we call the listed branch telephone number we are routed to a call center. They provided XXXX XXXX 's direct line, which is disconnected. Since we did n't get any response from XXXX XXXX, we called the Regional Manager, XXXX XXXX. We called three times and left two voicemails with no response. At this point we are seriously considering closing out our account completely. Employees working for Fifth Third are withholding information about our business account and allowing someone to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Convergent Resources, 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: Information belongs to someone else

Complaint:
I went on to my credit monitoring site and noticed that there or some incorrect accounts on my credit report the accounts or convergent outsourcing in the amount of $ XXXX the date is XX/XX/XXXX that account is on my XXXX, XXXX and my XXXX  as well then its another account that just on my XXXX  and it is XXXX XXXX XXXX in the amount of $ XXXX date opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX 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 2021-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made a cash payment using my ATM card at another bank. I just found out that Chase charged me {$75.00} for non ATM cash fee. This is something they never disclose to me. Chase is just 2 minutes from me. Had I known about this fee, I would have just walk to their branch and get my cash but they never informed me about the fee until when I saw that on my statement and I called. The first person who picked my call said they will look into that and they ended up hunging up on me. I called again and the guy who picked said he will not remove the charged. 

I need this is charge removed because this is not fair. Chase is stealing from us and that need to stop already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a certified green receipt letter requesting for Nelnet to validate all 18 of my loans that they have with their servicing company. The received the letter on XX/XX/XXXX, I also included in my letter the laws that the company has to abide by with verify my loans for all 18 loans. They sent me a generic form letter which I have a copy of saying everything is accurate and verified, sent to by mail XX/XX/XXXX. How can servicers company verify 18 different loans, that are dated back as far as XXXX? I have also disputed with the credit report agencies asking them to validate the debt and getting no answers. They have received my second and final letter advising that their 30 days will expire on XX/XX/XXXX and I am requesting that they delete all 18 accounts of all XXXX reporting agencies. This company is not following the new laws that you CFPB put in place when validation of a debt is requested. I am going off Consumer Financial Protection Bureau regulation F subpart B 1006.34 Notice for validation of debts. ( a ) Validation information required. 

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : I am going off your laws ( CFPB ) and requesting information from this company only to receive a letter saying verify and nothing unless that the law said they are required to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including Repossessions. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and inquiries I did not authorize

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