BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had numerous problems with Sallie Mae starting since 2003. When I enter college, I was lured to apply for several private loans without thorough explanation as to the variable interest rates, and the consequences of their increase over time. Once, I completed my studies I was overwhelmed by student loan debts, and Sallie Mae did not show any flexibility in repayment options. I was emotionally and mentally stressed and I tried really hard to find solutions to repay Sallie Mae. Unfortunately, once I completed college, like most XXXX I needed to find a job. During this lapse of time I told Sallie Mae that I was experiencing financial hardship, yet they show no sympathy to my situation and forced me to repay my private loans. I had to go back to school, and this time to graduate school hoping that I would earn a diploma, which will enable me to find a high paying job. My loans were postponed yet the interest kept increasing. Consequently, when I came out of XXXX school, I was not able to pay my loans back with a meager salary as a XXXX XXXX XXXX ; since that was the position that I was able to find right after school. 
Since I was unable to repay my debt Sallie Mae send my debt to a collection agency, which handles my repayment at this time. Now, I am forced via an automatic repayment taken straight from my account to repay my debts every month, and I 'm only paying the interests of my loans not even the principal amounts. I feel financially defeated! 
Based on my personal experience, I would be very interested in filing a class action lawsuit against Sallie Mae for its innumerable violations of federal and state laws, and for bullying people like me into submitting to their unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In addition to constantly calling me up to 14 times a day and up to 9 calls in a 15 minute period, they have contacted my sisters, mother, best friend, brother-in-law multiple times. It got to the point where my friend and relatives had to tell Navient they had never heard of me to get the phone calls to stop. 

Even after I tried to explain to Navient 's representatives about my dire financial situation, they said they were trying to give me a good deal, but I needed to be more flexible. One such proposal by them, suggested I pay XXXX % of the balance ( balance about {$200000.00} ) and then I would qualify for a monthly payment. At the time I had told them, I had been homeless, XXXX, unemployed, behind on my monthly bills and near having my car repossessed. 

I even sent them a letter to get the calls to stop and to stop contacting third parties. I offered a payment of {$40.00} a month, which would have been a struggle and they did not acknowledge the offer. Instead they said we need to discuss this in calm, adult manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: LEXISNEXIS
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:
I recently went over my credit report, and I noticed that there are payments that are being reported as late on two accounts XXXX and XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Late fee

Complaint:
My Bank of America card set up for Automatic payments on the XXXX of every month of {$100.00}. From XXXX - XXXX of 2015, I have been charged Late Fee. I contacted their customer service and they indicated I was a day late every month. I tried to explain that would make me 29 days early every month. 
The customer service rep told me " NO '', I was late every month and being charge a late fee. These late fees of {$25.00} - {$37.00} for 6 months should be refunded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
Hey I was taken advantage of due to mal-practice while several laws were broken under the FCRA regulation by your company. This has caused me financial injury, defamation of my character, I cant get a job, a car, let alone apply for credit. I cant even get a XXXX loan due to the crisis of covid. You have hurt my ability to obtain credit.

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 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Bank of American had repossession my vehicle for been 2 months behind the did not sent me a letter stated they was going to repossession my vehicle. The only letter I received was I was behind XXXX dollar behind and i needed to get it caught up. After I contact them to ask what I need to do to get my vehicle back they stated you how to pay your vehicle off XXXX because I was late on my account my last three payment. They ask me why was I late I stated my husband had a XXXX XX/XX/XXXX and I been the only one with income. The first lady I talk to she stated that they will ask for what you owe and fees for repossession. I stated okay and she gave me number to the repossession and they stated I have to pay the car off before I can get it back because I was late and I am 2 months behind. I want to know are they suppose to send me a letter to let me know that my car in the process of been repose before they pick it up. They only letter I received was I need to get my account current and the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In XXXX XXXX My checking account with Bank Of America was closed and reported to XXXX and XXXX due to an extended period of being overdrawn for {$190.00}. In XXXX of XXXX the total amount of {$190.00} had been paid to XXXX XXXX XXXX, the collection agency that had been assigned by Bank Of America to collect the debt. As Of XXXX XXXX Bank Of America states that their records indicate a balance is still owed on the account for {$150.00} and only XXXX payments of {$20.00} were received six months apart. I have contacted XXXX XXXX XXXX and was told that they no longer have records of an account and I would have to contact Bank Of America, contacted the bank as instructed and was again told to I would need to contact the collection agency to have them to verify and send updates to Bank Of America. 


The problem I 'm having is Bank Of America says they ca n't contact XXXX XXXX XXXX directly and the collection agency states they no longer have records of an account and I will have to contact the bank. I have made several attempts to get this issue resolved since XXXX and all I get is the bank stating there is still a balance owed on the account and you need to contact the collection agency and the collection agency rep. stating there is no record available in the system and will have contact Bank Of America. 


I have also disputed the account with XXXX and XXXX XXXX XXXX and their response is we have verified the account as reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Recently, I discovered that Navient, who absorbed my loans from XXXX XXXX, has my monthly payment amount hidden away as a different amount than agreed to through XXXX XXXX in XXXX of last year. I agreed to pay {$610.00} per month, and they have the amount documented as {$640.00}. 

There are a few problems that I have with this:XXXX. I was under the impression that when my loans transferred to Navient they would stay the same, or I would be notified of any impending changes. 
XXXX. I was never notified of the change to a new payment amount. 
XXXX. I never received a new agreement letter from Navient. My cosigners did, however, it does not indicate what amount is due per month. In addition, the letters do not even accurately describe the loan amt between my mother, father and loan number, and sound as though my parents signed an agreement on a new loan. I never received a document stating I had taken new loans through Navient or anything of the like. 
XXXX. I did n't notice the difference previously through late fees or penalties, because I over pay every month. 
XXXX. XXXX XXXX REQUIRED that I sign up for automatic withdrawal for this " payment plan. '' That payment is set to come out every month, on the XXXX, at {$610.00}. Navient has continued to take out {$610.00} per month, another reason why I was unaware of the change. 
XXXX. If I did n't over pay, they would be automatically taking out an amount less than what they indicate my payment is. What would that be doing to my balance and interest? Does this currently have a negative effect on my balance? 
XXXX. I had to hunt for this information. My billing statements never indicate what amount is due per month, which always leads me to question if they 're actually applying the payments to the current month, or considering it a payment into the month ahead - a topic addressed in previous CFPB complaints about Navient 's predecessor, XXXX XXXX. 
XXXX. I also discovered that I no longer have access to my previous XXXX XXXX documentation. I requested information on how to access previous correspondence and have received no reply. 

I have supporting documentation to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: ALLY FINANCIAL INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called the company to let them know. I never signed a contract. That stated, this account has my authorization to be sold to a collection company. Also I told them in writing and on the phone. I seen they sent my account to XXXX XXXXXXXX XXXX XXXX. And they are reporting on all three Credit reporting Agencies. The debt as well. Under XXXX XXXX with a past due balance. Per the FCRA, it is illegal to report a debt for payment. When the debt was either written off or sold to collections.Im not suppose to be charged for such debt twice. Ive been reporting this illegal act for several months, now. Only to be told this was okay and legal by XXXX XXXX. I feel violated and taken advantage of by XXXX XXXX. Im XXXX and live on a set amount of benefits. I am willing to sue XXXX XXXX. For pain and suffering from this stress being put on me illegally. I have tried and tried to dispute this account on XXXX especially. However, Ive reported on all three Credit Agencies reports. Ive sent Validations letters to all three Reporting Agencies, with no response. If this illegal account is removed from all three reporting agencies. It would be a great stress of my being.

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 2016-11-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan payments are super high. Over {$1400.00} a month. There is no way a payment can be made at that amount wirh having medical bills as i have and a XXXX in college and being a single parent. My loans are all over the place and going into collections at different times of the month in a year. I finish paying a rehabilitation program for one and i call for a status and the other XXXX go into default and I 'm back in square one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
****Previous small claims case is dismissed due to intentions to file federal complaint if correction is not made. All communications will be used to establish basis for federal complaint******** I have tried diligently to communicate to the CRA that there were multiple unauthorized inquiries into my credit that were a result of a rogue employee at an automotive dealership. I have provided evidence that I did not authorize the inquiries and even showed an email that the dealership admitted to the unauthorized submission to the lenders and categorized the submissions as accidental. I have filed a complaint with the FTC and asked the companies directly to withdraw their inquires.CRA has blatantly disregarded my request to have the inquiries withdrawn despite the evidence that has been provided.

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 2016-03-08
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am currently making interest only payments through Navient on my private student loans. The standard payments are so high that I can not afford to pay them and afford to take care of my family. Recently, my wife gave birth to our daughter that was born with premature with XXXX XXXX and XXXX / XXXX XXXX. Due to this very serious condition my wife, who also has student loans, had to stop working and we can no long afford to pay the monthly payments that has been requested. Also, it appears that due to high interest rates on these loans that I may never actually make payments against the principal balance while paying minimum. The current and " affordable '' payment plans would have me paying back on these loans for the rest of my foreseeable future. The payment plans allowed to me are cruel and unforgiving. I am unable to see a way out of this debt and my current path is leading me toward default with no possible alternatives. All of this is due to the manipulative recruiting practices of the XXXX XXXX XXXX XXXX XXXX. While attending this school I never acquired the skills I was promised and often coerced into signing for additional loans I did not understand in order to finish out my degree. Lastly, I was promised job placement at 'predicted ' wages that were never fulfilled. I 'm seeking aid and/or possible loan forgiveness due to unethical recruiting practices and having been coerced into signing for additional student loan funding I did not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a summons mid XXXX to go to court on XXXX/XXXX/XXXX by XXXX XXXX for that from Walmart for {$640.00}. 

I have sent a letter to XXXX XXXX and asked for validation of the debt and received no reply. I have never signed any contract I do n't owe XXXX XXXX any money. 

I am being harassed and what they 're doing is against the law.

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 2016-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I get a credit card secure from bank of america 8 years a go since that time bank of america denie go give me back the {$500.00}. Of the secure deposit. 
I contacted bank of america and for 6 months they still give me the same answer " bank of america give me a credit card of {$700.00} credit line '' that totally false. I never recive that amount of credit line. 
After one year past i finish the payments of the credit card secure and applied for the credit card and that credit was denied. 
I only need my money back.

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 2022-02-14
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
bank of america is reporting on my credit report an " education '' loan or XXXX opened in XX/XX/XXXX. it is being reported on a monthly basis as a derogatory account ( charge of /profit and loss ) yet theres a past due amount reported monthly. ive called bank of america spoke with their fraud department 's representative XXXX and a XXXX in their customer service unit XXXX in California. XXXX gave me a confirmation number of XXXX for a research request. I also went in person to a Bank of America Home loan stand alone location in XXXX, Maryland today XX/XX/XXXX no one has been able find this account being reported on my credit report. my student loans were all federal student loans through the dept of education. they are current, paid on time. im trying to buy a home and my mortgage lender wont move forward because bank of america is reporting with a past due balance. ive tried to validate this debt and dispute this through the bureaus. bank of america is listed on the credit report with an address of XXXX XXXX, fl XXXX telephone XXXX account number XXXX yet no one can find this account number or find this loan through my social security number. experian states that due to the age of the account it should not be reported on my credit report but its done monthly with a past due balance

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: 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:
When my loan was transferred to Navient my social security information was entered incorrectly and my account was tied to another person 's account with a similar social security number. I am recieving personal information including this person 's social security number. It has been 6 months of back and forth with Navient to fix it. I have had to send my social security number multiple times and it kept being " lost. '' Navient 's concern with customer privacy and customer service is poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On or around  XXXX   XXXX ,  XXXX  I was notified by Bank  XXXX   XXXX  that Experian had posted a collection notice to  XXXX   XXXX  for a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding?  Two ot her charges from the clinic where covered.     After contacting Experian and  XXXX  I was told they had sent any letters to me of which I never received. After MANY hours searching I found out the  XXXX ,  XXXX  and Experian HAD T HE WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee with  XXXX  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with my  Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with Experian and  XXXX  and having my address corrected and was told by both that this collection would be removed and my  Credit Score  would be CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?

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 2015-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXX2015XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation