BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since XX/XX/XXXX Navient has incorrectly applied my payments and continues to do so. They are applying my payments to a consolidate loan rather than across all of my loans despite being noted on my payment. then each month they call and harass me about being delinquent each month I have to argue about how they applied the payment to the same loan over and over again and not to all of the loans. Here is my recent communication about the matter. " Why in the XXXX do you keep applying my payments to the same loan, then you send me a past due notice or call me for additional payments. Please apply ALL payments across ALL loans. You need to adjust my payments applied to loan XXXX and XXXX and spread across ALL. I paid a total of {$840.00} the month of XXXX before the due dates. They are applying my payments to the Consolidated loan through Navient, and leaving my federal student loans as unpaid and past due. <P/>I am pending a response from XXXX this has been ongoing since XX/XX/XXXX. <P/>In addition I have been paying on my loans since coming out of deferment during school attendance- XX/XX/XXXX and XX/XX/XXXX. My interest rate is 6.8, why have my balances gone up, I have paid nothing on the principle and very little in interest- the balance just keeps growing. I know they never want you to pay them off but after paying for 10 years my XXXX should be almost paid in full. And my graduate should be paid in full in XX/XX/XXXX. Not going to happen at this rate. This system really needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Checkr, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Over a year ago XXXX gave a routine background check to my Employer of almost two years, XXXX. The report was incorrect and got me immediately terminated. For over a year they would not give me a copy of this report until the CFPB stepped in and I got it. 

The report was incorrect, I disputed it, it was corrected and sent to me. Problem I'm having is they're telling me I have to get XXXX to request a new report for this information. XXXX under no circumstances will do that, not to mention it's their responsibility it's Checkr 's. Checkr not only never informed XXXX I disputed the report, they're refusing ( XXXX XXXX to furnish them a corrected report, so I am at this point still unable to work over a mistake that's been corrected. 

I'm sorry to bother you guys with this again, even though it is a separate issue, they just don't do anything unless the CFPB is involved and I shouldn't be barred from employment because of a mistake. I also think they've known this was a mistake for over a year and that's why they never furnished a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has not received written permission to report information regarding transactions or experiences against my consumer report. 

Reporting late payments and alleged loan amounts constitute transactions and experiences. I did not give my written consent. 

I am disputing the reporting of these late payments and utilization by the credit reporting agencies per 15 USC 1681 ( a ) A consumer report does not contain any transactions or experiences between the consumer and the person making the 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 2022-08-25
Company: Minto Financial dba Minto Money
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a small loan which I thought was a payday type of loan for {$1200.00}. 

I was approved over the phone. 

They credit my bank account on XX/XX/XXXX for {$1200.00}. 

I thought that I would only need to pay 4 payments of {$340.00} to cover the cost of the loan and interest. They were not clear with the loan agreement.

I made 4 payments of {$340.00} on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is a total payment of {$1300.00} for a {$1200.00} loan ( XXXX in interest ). 

They attempted a 5th payment of XXXX on XX/XX/XXXX which I do not authorize and was surprised to see hit my account since I thought I had paid off this loan. 

I immediately called them to ask them about this and they told me that per the loan agreement that I owe them 20 payments of {$340.00}. This amount of payments was never disclosed to me over the phone when I was approved for the loan or thereafter. I would never have agreed to 20 payments of {$340.00} with them for a {$1200.00} loan. That is beyond predatory or reasonable. 

After getting on the phone with them I tried to access my account with them on their website and I entered my email address and last four of my social and still could not log in to see any documentation regarding my loan. I have no documentation nor did I ever receive documentation prior to agreeing to this loan. The approval process was done over the phone. 

I am filing this complaint because they are not being upfront with customers about loan terms and agreements and fees and they are being predatory in charging excessive interest rates. Furthermore they are preying upon poor people and exploiting American consumers with these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX AR XXXX XXXX XXXX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights. 

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out 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 2019-07-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX, Experian, and XXXX has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; 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 2022-05-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX # 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 explanation
Consumer complaint received 2022-05-04
Company: Synovus Bank
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 be XXXX act XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 It also states A consumer reporting agency Can Not furnish A account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
To Whom it May Concern, I have been an American Express Centurion Card holder for over 35 years, since XXXX, and have never missed a payment, and have never been late. I have accumulated XXXX XXXX points over several years, on Monday XX/XX/XXXX, I was trying to buy a coffee at XXXX XXXX and my card was denied. I immediately called American Express, and they said that my payment was late. Not only was it not late, it wasn't true. The payment is due on XX/XX/XXXX. Also on Monday XX/XX/XXXX, my Account Manager, proceeded use approximately XXXX of my XXXX XXXX to book a flight for my son & I to XXXX, for him to goto college. The flight was booked for my son & I, locator # issued. The following day my itinerary was revoked by American Express, and to make matters worse, the flight was then sold out. American Express was notified, and again, they said due to non payment, that I was not allowed to use my XXXX XXXX points that I accumulated over the last several years. I was told by American Express to talk to underwriting, on XX/XX/XXXX, and after 1 hour 40 mins on the phone, underwriting stated that they had put a limit of {$59000.00} on my American Express XXXX card. To my amazement, I have {$85000.00} on it as of today, and the payment is still not due. After talking to underwriting ( XXXX ) I was told that they were asking for additional information on my account. I told XXXX that every year for the past 10 years, we have sent my personal tax return to American Express XXXX, and nothing has changed with my finances in that time. XXXX, demanded information that not only I don't have, and never have had, in the 35+ years that I have been with American Express XXXX For American Express to arbitrarily without any type of notification or reason to freeze my card from working, even though I have a {$100000.00} limit, and have for several years. Enclosed is my XXXX card bill which shows balance of {$45000.00} with a preset spending limit of {$100000.00} and payment due XX/XX/XXXX ( see enclosed XXXX XXXX statement ). American Express unlawfully and illegally has withheld my XXXX XXXX points, that I've earned over several years, and is holding them hostage, even  though there's no bill due till XX/XX/XXXX & has no answer to why & how.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: PNC Bank N.A.
State: MN
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:
PNC Bank owns my private bar examination loans obtained in XXXX. In XXXX, I filed for XXXX  XXXX bankruptcy. The servicer XXXX XXXX was listed as a creditor and received notice. XXXX XXXX resumed collections on my account after the bankruptcy, and I relied on their inaccurate position that I was still obligated to repay this " student loan '' despite my XXXX  XXXX discharge. Since then I've read XXXX XXXX XXXX and have come to understand that these private bar exam loans are not in fact student loans and don't have the same protections offered to student loans. These were private consumer loans discharged in my XXXX XXXX  without the need for an adversary proceeding in that 1 ) they were not used to attend an eligible education institution, 2 ) were not used to pay for school attendance, 3 ) were not for a course of study leading to a degree ( I already had my degree ), and 4 ) notice was provided to the servicer. 
Servicing of these loans was transferred to XXXX in XXXX XXXX has continued collecting on these loans ever since. After reading the CFPB post about busting bankruptcy myths, I contacted XXXX to ensure they were notified about my XXXX  XXXX and to resolve the matter. I provided the bankruptcy records at least twice, including the petition and the discharge records. XXXX acknowledges I filed for bankruptcy but fails to acknowledge my private bar exam loans were discharged. 
The matter was escalated to PNC Bank. Representative XXXX XXXX would only speak to me by telephone and repeatedly failed to recognize my requests to communicate via email ( he would only try to set up calls ). I have a XXXX injury from an XXXX accident and am currently on XXXX leave, and I requested a XXXX accommodation to communicate in writing, to no avail. This was in XXXX. I contacted PNC via XXXX and was assured I would be connected with someone who would communicate in writing. Instead they had XXXX XXXX contact me again to try to set up a phone call. I went back to PNC via XXXX and they had XXXX XXXX email me. However, XXXX XXXX insisted I send all records via US mail. I informed XXXX XXXX that the servicer already has the records and I provided my XXXX account # XXXX and noted the account is under my maiden name XXXX XXXX XXXX. I sent that email XX/XX/XXXX and have not received a response. 
I ask for the CFPB 's assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Receivable Collection Services, LLC
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 am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regional acceptance still have on my credit showing late for 60 days but PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE.

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 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT NEEDS TO BE UPDATED

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 2017-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a 360 checking account with promotion code : XXXX. This promotion is for a {$300.00} bonus for opening a 360 checking account account with Capital One and making two direct deposits of at least {$250.00} or more within 60 days. I have met all the terms outlined in the promotion, but have not yet received the bonus. I contacted Capital One and they have informed me that I will not be receiving the bonus, with no explanation. Account Opening Date : XX/XX/XXXX {$250.00} Direct Deposit : XX/XX/XXXX {$250.00} Direct Deposit : XX/XX/XXXX The terms of this promotion are outlined clearly and I have met all the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter on XX/XX/XXXX to TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX Balance : {$1400.00} ; XXXX, IL 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 2019-09-12
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My issues are with the financial department at the college. I am supposedly receiving money from a Fedloan, but I am still receiving statements stating that I still owe thousands of dollars to the school. I have requested of several administrators in the financial department to please meet with me, to help me understand where and how the funds are being allocated and have been totally ignored. The school seems to be getting its ' payments from the Fedloan, but there isn't enough funds afterwards for me to purchase or rent the required text books etcetera required for the courses. I can't afford to continue going to school as I can't afford to buy or rent the books and other incidentals required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a credit dispute with Equifax on XX/XX/2021, to remove inaccurate information on my Equifax Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

Equifax responded on XX/XX/2021 that they did not remove the item from my credit report. 

I am requesting that the inaccurate information be immediately deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The purpose of this is to express my extreme dissatisfaction with Chase 's claims and customer service department. On XX/XX/XXXX I was fooled into sending {$400.00} through XXXX to an unknown individual in exchange for football tickets. It ended being a scam and even after contacting the claims department within 30 minutes of sending the money it could not be canceled/reversed. I found out that transactions done through XXXX are legitimate and are not covered by Chase. I have contacted them by phone several times and each time same answer there's nothing they can do. I was also told by a supervisor in the claims department that the steps taken by CHASE to look into my claim could not be discussed. I have been a customer for nearly 15 years, I have grown my account by adding two credit cards and a mortgage, in addition to having a premier checking and savings account with over {$50000.00} and there is nothing they can do for such a customer? This is my first time ever submitting a claim and it's extremely aggravating that they can not back me up this one time. Now they're saying they can not do anything because the case is closed ( it's only been a month since it happened. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Kikoff Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing concerning inaccurate negative reporting on my XXXX credit report for a credit builder account I had with Kickoff Lending LLC. This account is reflecting that my account was 90 days late as of XX/XX/XXXX for a balance of {$12.00}. 

In XX/XX/XXXX, I opened a credit builder account with Kickoff. As of today, XX/XX/XXXX, this account is negatively affecting my credit for a balance that I do not owe. My original credit limit with Kickoff was {$12.00} when I opened my credit builder account in XX/XX/XXXX. I never used this credit limit to make purchases with Kickoff, or any other institution. I do not owe a balance to Kickoff that I never used.

I have attempted to dispute this account with Kickoff Lending LLC and XXXX and have reached no resolution with either company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation