BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/2016 XXXX {$160.00} OPENED XX/XX/2016 Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed up top. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok Equifax knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Navient Solutions, LLC.
State: TX
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:
The interest rate on my loan more than doubled during Navient 's handling of my loan. Interest was charged incorrectly and payment status needs to be corrected. I would like a refund of overcharging for interest payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I were contacted by Bank of America about a home equity line of credit we have on a rental property where I have my counseling office that is due to expire XX/XX/XXXX. We currently pay {$270.00} per month on a fixed rate of 3.25 %. BOA estimated that our payments can go to {$1100.00} per month for 120 months. When i contacted them I was sent to their debt collector department and treated as such. When I ask them what we can possibly qualify for they stated that most likely we will be turned down and the best thing to do is wait till next XXXX when the loan goes up. Again this is a rental property with other business tenants besides me we ca n't wait and increasing rent in our rental market is not an option. We may have to attempt to sell the building. I would like to be able to speak to someone at BOA that can actually assist us .Also when I asked them what the formula is for qualifying they stated they can not release that information because customers will use it to fudge their application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Navient Solutions, LLC.
State: OH
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 currently do not have trouble paying back the loan on the terms provided by my lender. That being said, from a consumer standpoint, I find my provider, Navient, formerly XXXX XXXX, to be so inflexible in the terms of repayment for their credit that it bridges on the unethical. The company provides no options to refinance my loan, to consolidate my loans, to extend the payment period for my loan, or to defer or forbear on my loan ( note, they offer the opportunity to defer the loan for a three month period for a fee of XXXX dollars, which is a palpable absurdity when one considers that a person asking for forbearance is experiencing a financial difficulty ). On XXXX occasion, I called a customer service represented to ask why my loan was so inflexible and they were unable to provide a reason or explanation. This has affected me in the past though I am currently ahead on my loans - and my fear is that this inflexibility is causing extreme financial harm to others like me who have lent from Navient but are not fortunate enough to have the means to make their monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft Report # 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 2020-12-17
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hyundai Motor Finance reposed my car when the loan was closed and paid in full all three credit bureaus report loan was paid and closed in XXXX of 2020 they came and took my car on XX/XX/2020. I was told when calling the police it was reposed

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 2015-04-14
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a student loan co-signer. I have made on-time payments to XXXX ( XXXX XXXX XXXX ) for my son 's defaulted XXXX XXXX/Navient private student loan since 2011 when I became aware of the default status. 
I requested that my credit report reflect that my debt is in collections and being paid monthly. XXXX XXXX refused to update my credit report and reports it as a Charge off with {$0.00} payment every month. This negatively impacts my ability to obtain basic credit worthiness for example for renting an apartment. How can I get XXXX XXXX or the collection agency to report accurate information on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged on a XXXX NSF fee because my account was overdrawn {$0.00} cent due the Bank of America moving the {$0.00} to the other account from the Keep the Change program. When I called into the Bank on XXXX XXXX I spoke with a lady and she said that I will reverse the XXXX fee because the amount was less than {$1.00} and due to the system being slow the refund should credit my account by XXXX. But XXXX had came and gone and the funds had not credited my account. I called back and used the chat system to inquiry about the funds and was then told that I would not get a fee reversal even though the fee was caused by an amount less than 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 monetary relief
Consumer complaint received 2016-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I did not opt into any plan and have the transaction immediately rejected by the merchant if the account lacks sufficient funds. This is the default setting when a bank account is opened, and no fee is incurred by a rejection of the transaction. 

I was charged {$120.00} this month for a {$2.00} overcharge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-16
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Central Financial Control to validate a collection they are reporting on my credit reports from XXXX/XXXX/15 to XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
MY NAME IS LISTED WRONG THERE IS AN ALIAS NAME THAT IS NOT ME AND XXXX PREVIOUS ADDRESSES THAT ARE 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 2016-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I am reporting predatory business practice by Bank of America, Alaska XXXX credit card. I have had the same card in the past and experience the same practice but was working, and it was easier to pay it versus fight it. Now I have encountered the same predatory practice and am filing a complaint because I can not afford the charge. 
I contacted XXXX XXXX XXXX on XXXX/XXXX/2016 informing them I wanted to stop automatic charge to the above credit card company informing them of the plan to cancel the account. I requested paper billing and they agreed. At that time I also pointed out a discrepancy in the agreed monthly charge and they made the adjustment. 
I then contacted Bank of America on XXXX/XXXX/2016. I explained about my recent XXXX and my desire to pay the balance including any charges accrued up to that date. I gave them my checking account information and paid the amount stated which was {$4200.00}. I told the person I did not want to receive a bill later with some charge as was my experience in the past. I was told I would not, as the amount due was complete. 
The next month I received a bill from Bank of America stating XXXX XXXX XXXX had charged the monthly fee and then an interest fee of {$41.00} was added! I called Bank of America and informed them of the failure of both companies to do what they had agreed to do. The person told me to contact XXXX XXXX XXXX. I tried and was placed on hold. 
On XXXX/XXXX/16 I receive an email from my credit protection services informing me Bank of America had made a negative notation on my credit report. I received a bill from Bank of America recently with the " interest '' charge of {$41.00}. It 's interesting to me they charged this amount after the account was closed based on a non-authorized charge from XXXX XXXX XXXX. The charge from XXXX XXXX XXXX had been removed. 
I am very upset. It is known, many people who work full time do n't have the time to dispute fraudulent charges and go ahead and pay these type of charges resulting in millions of dollars in profits to these companies. I am now XXXX, can not afford to pay for this fraud and will not.

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 2017-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX I have contacted Bank of America again to ask them to honor attached checks issued on XXXX XXXX, XXXX. Bank of America owe me {$9800.00} plus 20 % interest, {$100.00} late fee each month starting XXXX XXXX, XXXX ( date of loss ) until paid in full, my personal time $ XXXX/hour for 20 hours to collect stolen funds, pain and suffering etc. I have informed this bank numerous times that I do NOT know the person who stole my savings in XXXX and XXXX. Bank of America was notified immediately regarding stolen funds once I found out. I also have proof showing theft changed my accounts ' address and obtained all my information to open new accouts which totally against my will. Bank of America has issued 5 letters and 5 checks to honor the claims. At this time, I am asking Bank of America to honor these 5 checks, DO NOT cheat constomer as a burlgary victim and rights violation victim. Furthermore, Customer NEVER authorized the person who stole the funds to do anything. Instead, all I experienced were financial loss and health damages, vehicle damages ( cutting tires etc. ) from this theft. 
1. Check # XXXX Amount : {$8500.00} ( see attached image ) 2. Check # XXXX Amount : {$1300.00} ( see attached image ) 3. Check # XXXX Amount : {$3.00} ( see attached image ) 4. Check # XXXX Amount : {$3.00} ( see attached image ) 5. Check # XXXX Amount : {$4.00} ( see attached image )

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 2016-10-28
Company: Navient Solutions, LLC.
State: OH
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:
My son has a private student loan that I co-signed on. This loan has been all over the country with different lenders. However when I spoke to a collector they gave me XXXX name that I tried to contact however, they no longer have the loan but it is in Navient system. I have contacted them several time and just found out that what is in their system is wrong and Navient owns the loan. On private loans there is a 12 month forbearance. However, do to illness and hours lost from work I requested a 2 month forbearance I pay {$900.00} a month but I am behind 1 month. I am trying to work with them however, I was hoping to get this forbearance to make life simpler and not so stressful. They stated they could n't. I know that my time is up but helping a loan borrow is always more helpful. 
This loan gets paid off next year. I am hoping you can help me in this situation. XXXX XXXX said to contact you in hopes that everyone could work something out. This a hard company to work with because everyone has a different story to tell me. I am hoping for a forbearance to bring the loan current

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: SC
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 applied for the income driven program during the process of a year with not having any payment due, my interest rates accrued at a ridiculously high rate. After calling several time inquiring about the rates they said that it was nothing that they could do. They are very rude and not willing to help. I asked them about the option to work on payin my bill down and they basically offer m rte ft paying {$150.00} for month and XXXX for the remainder months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXXXXXX Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3XXXXXXXX XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX  Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}

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 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that used to verify the accounts I disputed. Being that they have gone past 30day 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 non-monetary relief