BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I recently received a collections notice from a law firm XXXX, XXXX XXXX XXXX XXXX, XXXX. regarding a private student loan that was taken out back in XX/XX/XXXX. When i became unemployed in XX/XX/XXXX I was not offered any option for a lower payment nor did i receive prior notice that it needed to go into forbearance in order to defer the payments.Today this loan shows as a derogatory on my credit and is keeping me from obtaining the American Dream to purchase a home. Amount owing is {$11000.00} and now faced with a lump settlement in order to clear it off my credit. The loan is 15 yrs. old and I no longer have record of this loan and or have lost my own records. When the loan was taken out originally with XXXX XXXX, my husband XXXX XXXX co-signed for the loan, The current Attorney 's office states their is no co-signor on the loan when originally there was in order to collect payment. I recently contacted Navient to request a payment history made towards the loan and immediately transferred me to the named above attorney 's office where i spoke with two individuals who gave me two separate lump sum offers that would only be good through XX/XX/XXXX. the offers were as follows ; $ XXXX and then {$3300.00}. I told them i needed to get the payment history in order to verify if the loan was mine and the amount owing is correct, they said they would request it but could take up to 7-30 days which then the lump sum offer would no longer be valid, which i feel is ridiculous considering it needs to verified that I even owe this amount before charming me or offering me a lump sum settlement. I honestly hope you can offer assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens Bank purchased condominium insurance on my behalf after they had received the condo insurance. This is a fraudulent attempt to charge for a condominium insurance that is not needed as the condo insurance is already in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
After checking my credit report I realized that 5th 3rd 's Identity Alert program has been inaccurately reporting my credit score. After speaking to several branch  managers at different locations and reps on the phone they informed me that the reporting is never meant to be precise and refused to refund all. The branch managers tell me to call XXXX and the phone tells me to speak to a branch manager. I have also had issues with unauthorized charges that resulted in overdraft fees. I was promised at least one reversal and assistance disputing the other charges and when I follow up I get conflicting information. I have not been receiving refunds for atm fees. I am with a program that refunds atm fees 6 times per month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: VA
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:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00}

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 2017-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a settlement amount for Portfolio Recovery Associates for a XXXX debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XXXX, my balance on my settlement would have been {$110.00}. In XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: FL
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 been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, 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 have been my sister 's legal guardian for over 5 years. She turned XXXX last week on XXXX XXXX, XXXX. We tried to register her online with SocialSecurity.gov to receive her benefits ( because her mother is deceased, she gets benefits ). When we were asked security questions, we answered none of the above to all of them. She does not own a house, have a mortgage, a car or a credit card. She just turned XXXX and by law you can not obtain any form of credit until you 're XXXX. We received a message stating because she could pass the verification process and we answered the questions incorrectly, we could not register online. We went ahead to try to obtain a credit report via XXXX and the same thing happened. We are not stuck at a stand still. We ca n't obtain a copy of her credit report to dispute what is on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a cash withdrawal with my AAdvantage Mastercard from Barclays and they charged me a {$25.00} fee for the withdrawal. This is on top of the fee by the ATM 's bank. I understand that they have to charge a fee but this is 5 times the maximum that other companies charge. 
I attempted to address with them directly and sent a chat and an email on XX/XX/22 and they never responded. I called on XX/XX/22 and they told me that this is due to the amount of the withdrawal and the location because it was an international withdrawal from XXXX XXXX, XXXX XXXX. 
But, I've withdrawn money from my XXXX XXXX and my XXXX cards before and they both charge around {$5.00} for the transaction, so there is no earthly explanation why their cost is 5x higher. This is high-way robbery in my opinion. 
I requested they reduce they fee and they said it can not be done. I suggested they offer me a partial credit for {$15.00} towards the next billing cycle and they said no and that they could NOT escalate to a supervisor or another department. 
This is NOT about the money, it is the principle that they are charging such a high fee for a simple transaction on top of the airlines ' constantly increasing costs, decreasing amenities, limited schedules and options and after a massive taxpayer bailout.

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 2017-06-20
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Due to financial hardship I was in a status called forbearance and deferment for over 12 years. Navient allowed this process to continue until 2 years ago. I was told I could not postpone the process any longer. I filed bankruptcy in XX/XX/XXXX and I was told I could not include any of my student loans with Navient. I got a Divorce and lost my home and relocated to another state to start over. I am a Veteran of the XXXX XXXX XXXX XXXX and is currently living with a friend to try to help my Son attend college and care for my XXXX year old daughter as a single parent. My XXXX year old veteran of the XXXX has also had to move in with me and she is unemployed. I feel I will be paying Navient until the day I die. I can not afford this and try to rebuild a life for my family with the cost of living as high as it is in XX/XX/XXXX. What help is there for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: I.C. System, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Breach of Contract : I received inferior engineered floors that were thrown down in 45 minutes. They cut up and ruined my stairwell carpet and did not place the new carpet for which I paid. I did not get thick padding. I did not get strips dividing the rooms. I received no glue and no nails. They hid the unilateral changed contract from me. I paid other  companies to do for what I contracted with XXXX that it failed to do. 
Described below outlines my contract with XXXX : 1. Engineered flooring with glue ; I requested nails in lieu of glue that was promised and agreed upon. I did not get glue or nails and was told after the install, They could do it for an extra charge. I will not pay additional costs for something that was already paid, promised and expected. 
2. Thick padding ; When confirming my install, I was informed and assured by each person I spoke with, Thicker padding in in the contract. I received no padding. I was promised they would fix it. I was then told, It is in your contract, but we didnt charge you for it, so. 
3. Colored coordinated rounds They arrived on XX/XX/20 with white rounds. I did not let them in. They came back on XX/XX/20 with the correct quarter rounds to do the work. 
4. Room separator strips ; ( I was told they separate all rooms ) I ordered and was promised room dividers and was told, We put them between every room. I did not receive room dividers.

5. New carpeting for staircase I selected and paid for carpeting and did not get carpeting. 
I never had a contract with XXXX. I made a contract with XXXX. XXXX stated it was not XXXX and they are their own company. XXXX or XXXX accepted the agreed upon resolution of {$2900.00} and then XXXX informed me inXX/XX/XXXX they accepted the resolution before Arbitration, but they were still going to ruin my credit. I asked XXXX, You are saying that you did not accept the settlement, She stated, We accepted it. 
XXXX breached its contract when it unilaterally changed the contract. They promised to fix their breaches, but ignored the over 90 inquires I made for resolution. The floors sink and crackle when walking on them. They lied and stated they inspected them. They have not been to my house to inspect nor correct my issues ; and only attempted to put carpet on the steps after I filed a dispute. They gave carpet install dates on days I had a scheduled XXXX  and when I was not in town and would not address the floors. I wanted the corrections done at the same time. I gave up and went to other contractors and paid other companies to perform what I paid XXXX to do. 
Please see attachments

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX / XXXX / {$25000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This creditor is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them i never applied for their card and they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Affirm Holdings, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a travel package booked with XXXX and paid with AFFIRM. The flights got canceled and moved by the airline so automatically I was entitled to a refund per airline policy. I requested the refund and never got it. I talked to the financial institution that I used to make the payment so we could open a claim and get my money back. I sent AFFIRM all the proof I had and they did not provide me with a refund and it has been a year. I submitted a claim with my bank and AFFIRM took the money back and sent me to collections wrongfully even after I showed them they owed me a refund. The airline has now after a year sent the money back to AFFIRM and I have contacted AFFIRM to ask for my refund and all they tell me is : Our system is having issues when we try to send you the refund. ( they " escalated '' the issue XXXX different times ) and they have not gotten back to me nor have they sent me my refund or even processed my refund. They said the escalations team was going to get back to me within 24-48 hours and they have not done so. Also the loan still shows charged off when IT should have not been and especially now that they got the refund from the airline

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My credit report is listing incorrect information. I do not owe  XXXX   XXXX , I have contacted them and they verified that I do not have an outstanding balance with them. I have also submitted disputes with   XXXX   and Transunion and they failed to update and/or remove this inaccurate information from 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 2022-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
My father passed away XX/XX/2021. I was an authorized user on his Bank of America credit card. I notified Bank of America the same day that he passed. They inturn closed the account. Since that time Bank of America has reported a delinquency on my credit report for that card. I contacted bank of americas XXXX division and they advised me that since I was immediately removed from the account that I could not access any information but that nothing should be reported on my credit and assured me it would be removed. Today I received a letter from Bank of America that the information they reported was correct and would not be making any changes and they closed my dispute. Upon contacting them they said since I was not the account holder or executor they would not give me any information. 

My credit is very important to me and I maintain a clean record but now I have a delinquent account that I was removed from and Bank of America refuses to resolve the issue with me or give me any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Leased XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX, KY. Loan financed by Chrysler Capital. The motor vehicle tax ( MVT ) and registration fees were of course paid at that time - in XXXX.. In XXXX XXXX Chrysler Capital added the MVT and registration fees to our XXXX car payment. In XX/XX/XXXX we received a bill from the XXXX County clerk that the MVT & reg. fees were due - in XX/XX/XXXX. instead of XXXX. Apparently there is an entity, Santander bank, that pays these charges inXX/XX/XXXX. and then Chrysler Corp. bills us. We received this notice on XXXX XXXX and had to go to the Clerk 's office to pay these fees as Santander had not, and we faxed notice of payment to Santander on that dayXXXX. In speaking with Chrysler Capital, they told me that Santander had paid the fees after we did on XXXX/XXXX/XXXX and that before our acct. was unblemished Chrysler Capital had to receive a refund of their payment. Why they paid the fees after we had faxed them proof that they had been paid is unknown. Nevertheless, if we must continue to renew our registration in XXXX instead of XXXX we will have to pay these fees 4 times on a 3 yr. lease- XXXX XXXX - XXXX XXXX - XXXX XXXX and XXXX XXXX. The lease expires in XXXX XXXX. Two calls a week apart to Chrysler Capital yields apologies but that they are unable to resolve the situation until they receive their refund for XXXX which in my opinion is no fault of ours, as we paid the fees on time and faxed to them the proof of payment. There is no more that we could have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted you ( Experian ) several times about inquires showing on my profile that do not belong to me.There are hard inquires on my report I did not authorize. I have not and did not request to do business with the companies listed below. I have contacted the companies they referred by to follow up the the credit bureaus stating they are unable to do anything. Experian is reporting these unauthorized inquiries you are responsible to ensure accuracy. I have contacted Experian several times requesting these hard inquiries to be removed they have failed to remove. I'm requesting deletion of hard inquiries they were NOT authorized and should not be listed on my credit report. XXXX XXXX, XX/XX/2021, XXXX XXXX, XXXX XXXX, 2021, XXXX XXXX XXXX XXXX, XXXX XXXX, 2021, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021. These are NOT my inquiries and they need to be removed.

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