BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX wants to charge me administrative fees, interest, and penalties. 

I departed XXXX XXXX on terminal leave in XXXX, XX/XX/XXXX 

XXXX paid final separation payment in XXXX, XX/XX/XXXX 

In XXXX, XX/XX/XXXX XXXX alleges they overpaid the separation amount. 

XXXX, XXXX and XXXX XX/XX/XXXX XXXX sent notices of the alleged debt to XXXX XXXX, per XXXX by phone XXXX XXXX, XX/XX/XXXX, the base I separated from. None were sent to my home address. Meanwhile XXXX has been sending XXXX Account Statements to my home address in XXXX, XXXX XXXX 

In XXXX XX/XX/XXXX XXXX reported this alleged debt delinquent to the Transunion Credit Bureau in violation of the law. The change in my credit rating was the XXXX notice I received of the actions XXXX was taking. Upon becoming aware of the Transunion report I contacted XXXX, said contact is still being ignored by XXXX. I will be at their office in XXXX later this week to investigate. 

Are there other retired military members who have had their financial reputations harmed by the actions of XXXX? Is it time for a class action lawsuit?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have tried multiple times to explain to AES that I am unable to pay the monthly payments for my XXXX XXXX loans and my XXXX loan. They are not being flexible with me in order to pay these down and are not giving me options except, " looks like your only option is to default ''. This is so unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On or about XX/XX/2013 my wife and I entered into a contract with XXXX home security services, this was a 3 year contract, approximately one year into my contract with XXXX, a XXXX home security services representative showed up at our door selling their version of home security, I immediately informed the rep we were in a binding contract with XXXX for 3 years, the XXXX rep stated that was not a problem and the XXXX rep stated his company XXXX will do what is called a take over, well we know that was a lie, 8 to 9 months later I get a call and a letter requesting why we backed out on our contract with XXXX, no problem XXXX took us back and waived all late fees and all missed payments, I sent XXXX several cease and desist letters, each time XXXX ignored my request to be left alone and to stop harassing my wife and I. now XXXX has turned this issue over to a company called Focus Receivables Management , LLC. XXXX Ga. XXXX, Phone XXXX my wife and I were duped into thinking this company XXXX was a company good upstanding company, we would very much like to stop XXXX from harassing my wife and I and to stop XXXX and Focus Receivables from passing this illegal account on to other collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an interest only home loan that was to convert to principle and interest. I called in the past and was told the conversion date would be for the XXXX 2016 payment. I paid the normal payment amount in XX/XX/XXXX and apparently the information I had been given in the past was incorrect and my payment increased from approx {$2800.00} to {$3700.00}, a $ XXXX increase. I was not called and told that the normal payment was insufficient. I had no prior notice of the cost increase. Now, I am trying to pay the XX/XX/XXXX deficiency and the XX/XX/XXXX payment and I am unable to make a payment online or by telephone. I am going to be reported as delinquent and I do not think I should be since I was given incorrect information and no effort was made to reach me before the implementation of a late charge for the XXXX 2016 payment, let alone before the payment because delinquent due to the shortage amount. Clearly, there was a miscommuniciation on the amount due since I paid the normal monthly payment timely. I ask that they not report me as delinquent for XX/XX/XXXX as a result. I also ask that they not bar people who are delinquent from paying online or by phone. You say I 'm late, but wo n't let me pay? That is crazy. I also think it is terribly unfair given that I 'm supposedly 40 days delinquent and have n't received a single collection call to tell me so? This is especially hard to accept when I clearly paid the amount I normally pay - obviously this was a mistake. The risk of payment shock alone should have put XXXX on notice that extra attention should be paid to loans like this in its portfolio. It is terribly unfair and their prior discussions were very deceptive as to the payment date change. The key result desired, however, is for them to take the payment due and NOT report my account as delinquent. I am selling the home ( b4 XX/XX/XXXX for the sole purpose of avoiding the higher payments ) and buying a new loan and this will cause me great financial hardship in that I may not get my loan or it will be on much less favorable terms than have currently been made available.

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 2016-04-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
we filed a chapterXXXX, 5 years ago, which was discharged XXXX XXXX, 2015. Our mortgage was independent of the Chapter XXXX. For those 5 years we paid our mortgage on time and found out recently Chase Bank never listed those payments at the credit bureaus, thus, we have a bad credit rating. All our payments for the last five years are up to date. Somehow Chase listed our bankruptcy as at Chapter XXXX, which we were never in. Our attorney contacted them a couple of months ago stating this should not have happened, ( documentation attached ). He along with us has contacted the bank on numerous occasions to no avail. Also we did have a equity line which was written off in the chapter XXXX because we were under water in our mortgage. when we filed our income taxes they sent us XXXX coded as a F ( agreement ) instead of a A ( bankruptcy agreement ) which our lawyer said we should not have received because this was equity was discharged in the bankruptcy by the court ( documentation attached ) and Chase coded it wrong as if it were a Chapter XXXX instead of a chapter XXXX. All of our other bills have been cleared through the Chapter XXXX and correct on the all three credit bureaus except Chase Bank. Our interest rate has been high XXXX and we would like to get into the Harp program, but our credit is bad because of Chase making a mistake. Can you please help us. We have made our payments on time and may have been late when my spouse was on strike but all payments are presently up to date for the last five years. We need this corrected at all XXXX credit bureaus, so we can go forward with our lives.. Can you please help us to correct this situation, we purchased our house at XXXX now on worth only XXXX. Thanking you in advance for investigating this unnecessary and hurtful situation. XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
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:
Bank Of America is holding up smaller bank card transactions longer until there is a bigger transaction that would cause the account to be overdrawn. Then, it applies the smaller transactions and charging the consumer multiple overdraft fees. It happened to me multiple times including yesterday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29
Company: Capital Management Services, LP
State: NY
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:
Starting in XXXX 2016 my husband and I have been receiving phone calls from XXXX, Capital Management Services wanting our social security numbers and birth dates. I asked them what this for, they said unpaid debt, and I told them my husband had a XXXX XXXX and has XXXX and to explain to me. I would not give them a ss number but did give a birthdate which was not his and told them to cease and desist. A supervisor told me they had the wrong party and they would comply. Now we are both getting these unrelenting calls again, days, nights, weekends several times a day. Now they say unless I give them ss numbers they will not stop. I said you have our address and to put this in writing. I ask where they are located to send a cease and desist and they will not give it to me. I am not releasing any personal information over the phone to Capital Management Services. I am assuming this is a college loan but I am really not sure what type of loan it is because they will not divulge any information to me regarding this collection. I ca n't describe my issue because I do n't really know what it is. Also, they do not have permission or authorization to use our cell phones. This is not our debt! They have the wrong people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I am paying on medical bills monthly. The company I was paying sent me to collections because I did not set up a payment plan with them. I was told if I did not pay the full amount within XXXX days they would send to collections. Since I have so many bills piled up, I can only pay a small amount each month. I have not been sent to collection in the past and have/had very good credit. Now my credit score is decreasing because XXXX of the bills I have been regularly paying on that sent me to collections. Thanks to our XXXX insurance plans we are required to carry, I am now swimming in debt. Why do some companies allow partial payments and some do not? Does n't seem fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My payment of {$430.00} was due on XXXX XXXX, which I paid on XXXX XXXX. {$180.00} was to be applied towards my federal loans, and the remaining {$240.00} was for my private loans ; however, my payment was misapplied and all {$430.00} was applied towards my private loans, making my federal loans appear late. I called Navient on XXXX XXXX to fix the situation. The representative I spoke with advised she was submitting a request to reapply my payments and the issue would be fixed by XXXX XXXX. 

It is XXXX XXXX and the problem still is not fixed. I have received letters stating my rewards benefits have been revoked because of my late payment, I am receiving phone calls because my account appears delinquent, and I am concerned this will negatively impact my credit report. 

I called twice on the evening of XXXX XXXX to further attempt to correct the issue. The first representative advised me I would need to speak to a supervisor to resolve the situation. After waiting on hold for nearly 20 minutes, the line went dead. When I called back, I spoke to a woman named XXXX who stated she was in the federal area and she could not assist me, but she would connect me with the area that handles private loans. She could not provide me with a direct number to contact the private loan area. After waiting on hold for another few minutes, I received a pre-recorded message that said my call could not be connected and I needed to call back during normal business hours. When I tried calling a third time, I received the same message advising to call back another time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I was notified by my credit watchdog service that there are two FRAUDULENT hard credit card inquiries on my Transunion Credit Report. 
I contacted Transunion requesting information regarding the inquiries due to the fact that their website is unavailable for a week thus cant get my credit report!!! 

Their offshore customer support is pretty much useless! 
He kept referring me to the website again and again no matter how many times I repeated myself : " Your website does not work, I can't get 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 non-monetary relief
Consumer complaint received 2016-09-14
Company: Systematic National Collection, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After I moved from an apartment the manager turned the apartment into a model by by bringing in furniture and place settings. Then telling me I am still responsible for the rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a single mother struggling finically. I graduated back in 2010 and have a total balance due of XXXX. I called Navient so they can try to assist me with a rate reduction plan, and according to my representative I did n't qualify because I was enrolled in that program prior. They reviewed my bank statements and clearly saw money was an issue. Instead XXXX trusty from Navient belittled me and said I need to learn how to budget. A single mother trying to feed her child, pay for my child 's needs, food, rent, transportation, etc, should not be told how to manage their finances when there barely getting by. She had no right to talk to me in that way which has emotionally taken a toll on me. I was trying to make a payment and she denied what I was trying to offer and threatened me saying my loans will be in default and I would need to go to court and pay the XXXX up front. She has been so unhelpful and I hope no one has to encounter what I am going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My mom signed me up for XXXX XX/XX/2012 I went for 13 months I never failed a class I was terminated from school because my mom did n't want to provide her XXXX I was left with this big loan XXXX salie mae left me and messed my credit up at age XXXX last year they took my tax return XXXX $ w not payment arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX has been reporting my past due bill since 2008. This year marks the 7th year that is suppose to fall of my credit report. Collection agencies are buying collection debts that are 7 years older and putting them back on peoples credit file for another 7 years. This is causing me a great deal of stress when i know, they ca n't do this. Its being reported back on my credit file but under a collection agency not XXXX. XXXX deleted their account and jefferson put it back on when it was suppose to fall off this year. Not it restarts the 7 year thing all over again. This is not fair to the people, buy using this dirty tactic to keep it on peoples credit report forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-04-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
When I requested my free credit report from Experian, I paid what I believed to be a {$1.00} fee to obtain my XXXX digit credit score. What I did not know was that Experian also enrolled me into a {$21.00} monthly " membership '', which I still do not even understand what the purpose was. I was charged for two months service without noticing the charges, and finally noticed and requested a refund. The company took several days to respond to my request to cancel the membership, and only refunded XXXX of the XXXX charges.

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 2017-02-10
Company: Nelnet, Inc.
State: NY
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:
My servicer, Nelnet, does not allow me to view communications without opting into electronic communication and also failed to send certain correspondence by mail. I just recently started a government job and qualified for PSLF. I filled out the form and my loans were to be transferred to XXXX from Nelnet. 

I got an email that there was a form to view about this from Nelnet, but when I logged in, there was no way to view it without signing up for EStatements, which I did not want to. I 've previously missed notification to renew my income-driven repayment as a result of unclear correspondence and I only wanted to correspond by mail. This would n't be an issue if I had received the notice of transfer by mail, but I have zero correspondence from them about this. The email that there was a document to view about the transfer was XX/XX/2017 and as of today ( XX/XX/2017 ), I still do n't have what I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all three reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

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 2016-01-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX is reporting a credit card account as being a charge off and it was included in my bankruptcy as shown on my experian report.No account can be charged off past the filing date by federal law according to the FTC.To report past the filing date is a violation of my stay and my confirmation that binds creditor and consumer at the time of filing.Also XXXX XXXX is reporting my bankruptcy date as XXXX and as a charge off in XXXX which is totally incorrect.My bankruptcy filing is clearly shown on my Experian report as XX/XX/XXXX.They also filed as a creditor for payment from any proceeds and were electronically notified by the court. I previously disputed and Experian investigated and verified this false reporting and did not remove or correct it.The FCRA says i am entitled to a fair and accurate report and investigation if i dispute.How thorough an investigation could have been done if Experian can not verify information shown clearly on their own report.I accessed my free report from XXXX and viewed it 2 times and printed it. I tried to access it again and Experian said i had accessed it to many times, and asked me again to send them forms of identification with any disputes.I previously on XXXX XXXX sent them the following by certified mail and was signed for by XXXX XXXX XXXX, copy of my D.L., copy of my utility bill and my bankruptcy schedules.So what next do i have to send a blood sample too.

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