BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
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:
XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have attempted to make payment arrangements on many times and I was always put on a forebearance which has made repayment very long and costly. I never was offered other suggestions or repayment options. I was a single mother trying to assist my son with college and took out a XXXX XXXX Parent Plus loan the first in XXXX/XXXX/XXXX in the amoutn of {$15000.00} at rate of 3.45. I took a {$9000.00} loan at rate of 8.50 on XXXX/XXXX/XXXX and {$4500.00} at rate of 8.50 on XXXX/XXXX/XXXX. I was grateful each year my son received academic scholarships and I took less.The XXXX XXXX loan was eventually taken over by Navient. The current balance with interest is {$31000.00}. I called them recently when they increased the monthly payment to {$700.00} which I could not afford. Throughout the years I continued to make payments but whenever I called to get assistance or suggestions with payment arrangements I was always put in forebearance. It seems like this loan will never go away. I work full time as an RN and I pay a mortgage payment as well as other household expenses as head of my household/single mother. I feel grateful my credit rating has not been jeopordized in any way due to the outstanding balance on Parent Plus Navient loan. I have called XXXX XXXX currently Navient many times since XXXX always in an attempt for payment arrangements or to discuss the loan. I feel that Navient has steered me a struggling borrower and single mother of XXXX sons toward paying more than I should have on these XXXX Navient Loans. I believe that Navient also obscured information needed to assist me in maintaining and being able to afford lower payments. Navient harmed my credit since I was declined on two attempts to refinance my high mortgage rate in obtaining a lower interest when mortgage rates dropped which would have saved me XXXX of dollars in mortgage interest and given me a more affordable mortgage payment. I feel XXXX a financially vulnerable borrow, single parent of XXXX college aged sons these practices prevented med from securing some or all of the benefits of the plans that were intended to ease the burden of unaffordable student debt. Navient also misreported information to consumer reporting agencies which is the cause of my mortgage refinance to be declined on XXXX separate attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
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 decrease my monthly payments

Complaint:
I had taken several private student loans out from smaller banks that have since dissolved. XXXX XXXX took them over and now Navient has them. My interest rate has fluctuated and my payments made are not refelcted correctly. I still am paying XXXX private loans for a total balance of {$76000.00} owed, which is mostly interest they are charging me. These loans orginated in 2001 and they changed my interest from 4 % to up to 14.25 % without my knowledge. When I call to question why my minimum payments were so much higher they said I have to pay and pretty much hang up in my face. I decided to stop paying them and after XXXX months of being delinquent they finally agreed lowered my interest to 4 %. They are making it impossible for me to pay the principle off because everything is interest owed and I feel it 's armed robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As of XX/XX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX XXXX CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all 3 credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I never authorized a hard credit inquiry. The loan officer XXXX XXXX, li

ed about leaving a voi cemail for me. The supervisor never returned a call. The application online is very misleading. I never entered my SSN and stopped the application at the point it asked for credit pull authorization. The only way it could
have been pulled, would be that they got my SSN from a previous application. 

Huntington Bank XXXX ID # XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: EQUIFAX, 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:
XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Recently, I went to use my Barclay Rewards credit card only to have the purchase declined. I found that very surprising because I was n't contacted by Barclays before the decline. I was even more surprised since in an effort to reduce my credit card balances I used my entire annual bonus I received to pay down my total credit card balances by over 25 %. I made it a point to pay Barclays the most - I paid my card down {$900.00} on XXXX/XXXX/16 via eft. I also made a regularly scheduled monthly payment to Barclays, and do n't believe I was ever delinquent. 

When I got home on XXXX/XXXX/16, the same day of my declined purchase, I immediately called Barclays and spoke to a few individuals ( rep last name XXXX, ID XXXX and also XXXX, ID XXXX ) who simply said my account was closed due to negatives items on my credit report. 

Yes, I know I have some, but for Barclays to close my account AFTER I made a substantial payment to them and other creditors was devastating, and honestly I think disingenuous on their part. To make matters worse, I know their act of closing my account further damaged my credit rating! It should be noted that NONE of my other creditors closed any of my accounts and XXXX XXXX actually reached out to me to work out a payment plan that I also completed on XXXX/XXXX/16 AND they have reactivated ALL privileges on my XXXX accounts I have with them - despite the fact that I was previously delinquent on my accounts with them! 

The point is to demonstrate the totally disparate treatment I received from XXXX creditors - XXXX, XXXX XXXX reached out to me to resolve my issues, the other, Barclays, closed my account AFTER I made a substantial payment and without advance notice. Although the date of the notice that finally did arrive from Barclays, and it was dated XXXX/XXXX/16, I know for a fact it came days AFTER my purchase was declined. 

Ironically, just today, XXXX/XXXX/16 I received another notice from Barclays dated XXXX/XXXX/16 acknowledging my complaint, and giving me an XXXX to call. Now, why would I waste my time at this point when the damage is done?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
After posting my furniture for sale ( for XXXX dollars ) on XXXX, i was contacted by a potential buyer who sent me a check for an excessive amount ( 2000 dollars ) and wanted me to wire the extra money ( XXXX dollars ) to his bank account as a fee for the moving company. 

After i deposited the check at a counter in Bank of America, my account showed the transaction as " Processing ''. After 24 hours, this changed and the funds became available. With this assurance of availability of funds from BOA, i went ahead and sent the wire transfer to the guys moving company via money gram. 

3 days after this, BOA got back to me stating that they are having to deduct the funds they credited to my account as they were unable to clear the check. They are holding me responsible for the fraudulent check. 

If they had n't cleared the check that i deposited at their counter after 24 hours, i would not have sent the wire transfer. At the very least, they should have informed me clearly ( not via some invisible fine print ) that the check has n't cleared yet and would take 4-5 days for final deposit instead of making the funds available without any caveat.

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 2015-04-30
Company: Ditech Financial LLC
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greentree keeps calling my personal and work number about 10 time a day, use abused threats. Saying their will come an take the house and have me in trouble. They also want to talk to my boss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020, I initiated a request for my mortgage loan which is serviced by Pennymac to be reviewed for PMI ( private mortgage insurance ) deletion. The process involved paying for a third-party broker price opinion. Due to improvements I had made to my home, especially a new roof I had installed in 2020, I was told ( and independently verified with XXXX XXXX XXXX servicer guide - XXXX XXXX is the owner of the loan ) that I would qualify for PMI deletion if the broker price opinion reflected a home value such that my LTV ( loan-to-value ) ratio at the new value was under 80 %. On background, any XXXX XXXX  loan less than 2 years old is eligible for PMI deletion if significant improvements have been made to the home and the LTV after the improvements is less than 80 %. I went through the process, which took about a month, and paid the {$100.00} BPO fee. 

About a week later, I hadn't heard back so I reached out to Pennymac. I was inform that I needed to send a roofing invoice and pictures of the roof. This was fine, and I did my best to take a good picture and provide the invoice. I asked and was informed that the BPO reflected a valuation of {$270000.00}, which is WELL above the level it needed to be to delete PMI ( my current mortgage balance is just below {$190000.00}, resulting in a new LTV of below 72 % ). 

This morning, I received a notice stating that upon further review Pennymac determined that my valuation was too low to meet the mortgage investor 's criteria for deletion. This is incorrect both based on the XXXX XXXX servicer guide and on what I have already been told by Pennymac. They are fraudulently forcing me to continue paying for PMI despite the fact that it is no longer necessary. It is egregious that the process has taken over a month, that Pennymac is not following the XXXX XXXX servicer guide, and that I've clearly received incorrect information. 

( CC : XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
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: Information belongs to someone else

Complaint:
XXXX XXXX IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. 


MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12

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 2017-05-27
Company: Experian Information Solutions Inc.
State: MI
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:
birth year is wrong, i was born in   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 2022-03-19
Company: Experian Information Solutions Inc.
State: SC
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:
The information being reported is incorrect : XXXXXXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX  Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  Balance {$190.00}

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 non-monetary relief
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: MO
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:
This is now my third time disputing this collection account with Experian. Both times previously, they confirmed that everything is reporting accurately. However, there are still major inaccuracies with the collection account and the original creditor. I do not think they ever fully investigated my previous claims which is why I am contacting the CFPB. This is a direct violation of FCRA 15 U.S.C. 168. These inaccuracies are negatively impacting my credit report, and ALL should be deleted immediately. 

XXXX XXXX XXXX - Acct XXXX is showing an open date of XX/XX/XXXX, but this account was allegedly charged off by the original creditor in XX/XX/XXXX. How can an account be opened with the original creditor and sold to a collection agency in the same month? 

XXXX XXXX Acct XXXX Is the alleged original creditor of the above collection account. They are also showing an open date of XX/XX/XXXX, but again the account was also reported 180 days late in XX/XX/XXXX. So again, how can an account be opened and reported 180 days late in the same month. They also reported payments in XXXX and XXXX. So how can there be payments to an account in XXXX and XXXX, but the account wasn't opened until XXXX. 

Furthermore, the collection account XXXX XXXX is also reporting me past due.. From my understanding collection accounts are not supposed to include a history of late payment or a past due balance, as I do not have any payment agreements currently set in place with this agency. The collection agency claiming a history of late payments and past due balances is a false representation of my relationship with them. They can not report any payment history of late payments or past due balance on an account from the alleged creditor before them. A collection is by default derogatory and this goes without saying. Both XXXX XXXX and XXXX XXXX XXXX XXXX needs to be deleted immediately. 

Again, this is my third time disputing and you continue to report inaccurate information. You've had two other chances to correct my report, yet it is still wrong. Delete both of these accounts immediately, as it is clear they were never investigated. 

I am including screenshots from Experian showing the original creditor with open date of XX/XX/XXXX and payments made in XXXX and XXXX. I am also including the dispute investigation from experian

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 2015-09-29
Company: Immediate Credit Recovery
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had a student loan that went into collection with Immediate Credit Recovery twenty or more years ago. The original loan amount was {$10000.00} and the interest rate 10 %. I set up automatic payments of {$250.00} a month that were deducted twice a month for at least ten of these years. I believe it was XX/XX/XXXX when they disclosed to me they could no longer make automatic deductions, so they began calling me to authorize payment. The original servicer was extremely rude and nasty and I had to speak to a supervisor in order to get someone humane. I also reduced my payments to once monthly, or {$120.00}. In XX/XX/XXXX I asked to settle the account for {$5000.00}. I was told that amount would never be authorized and I needed to make a payment of at least {$6200.00} to reflect 50 % of the remaining balance ( {$12000.00} on a {$10000.00} loan ). 

I called the school directly ( XXXX University ) and after several back and forth conversations between ICR, XXXX and myself the school authorized {$5000.00}. By this time however I had discovered that my payments to ICR had reached nearly {$30000.00} -- three times the amount borrowed. ICR could not explain to me why on-going payments were needed or even a lump sum to pay off the loan. In addition the school agreed that a 10 % interest rate on a student loan was now considered exorbitant ; however the school only communicated with me through ICR, which told me the offer to settle would expire within three business days. 

I called the CFPB three times for advice on whether or not to settle the account but was told there was no representative who could listen to my situation and guide me, and that I could only file a complaint. I did not want the collection agency to make my life any harder so I made the payment. 

After the payment was made, the servicer called to ask me to put in writing that i authorized each and every payment made on the account, which is in fact untrue. This is evidenced by the fact that i immediately cut my monthly payments in half when i was contacted by a live representative in XX/XX/XXXX. 

At this point I decided to make a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I alerted my bank that I may have been a victim of a phishing scam and needed to stop a XXXX payment in attempt to stop the transaction from going through. I contacted PNC bank within 12 hours of the transaction and was told a dispute would be opened in order for them to do an investigation into the matter. I sent funds through XXXX, a secondary service found in my PNC app. I was denied my dispute despite the fact that I informed them of the scam and I was told there was nothing to be done due to my authorization of the charge. I was under the wrong impression and was unable to get my money back despite PNC knowing that it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX , XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my XXXX  address. The mail center is XXXX XXXX XXXX in XXXX XXXX, Nv XXXX XXXX ************ this company only send me a copy of a bill, no contract or ect**************

Company response to consumer: Closed with non-monetary relief