BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: GA
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 a fraudulent account XXXX/XXXX is reporting fraudulent charges.
XXXX XXXX is a fraudulent account.
XXXX XXXX  is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 DID NOT AUTHORIZE THIS INQUIRY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 went online probably XXXX XXXX  2022 to check my Citizens Bank credit card charges because of potential fraud. Apparently looking online triggered the end of paper statements and the beginning of e-statements. Perhaps there was some fine print, but I certainly NEVER saw it or consented to it. I am a very busy person and didn't notice that I hadn't received bills. I have been a long term customer with an excellent payment history and a stellar credit score ( over XXXX ). You would think Citizens Bank would notice something was wrong and notify me. But no. Instead, they pile on {$69.00} in late fees and {$410.00} in interest charges. I only find out when my card is declined at a store! And when I ask, they refuse to reverse the interest charges. Switching people over to e-statements without permission or in a sneaky way that the customer can not see must be a HUGE money maker for Citizens. It is wrong and they should be fined and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I pulled my credit report and found that there are two unpaid/delinquent accounts listed with XXXX. This was done without my permission! I called XXXX and spoke with a lady named XXXX. The phone call reference number is XXXX. During the call I asked XXXX if it was XXXX 's practice to just put anything on a consumer 's report without an investigation, and she told me yes ; as long as the debt collector provides the info ; they can just add whatever they like and the consumer has no say in the matter. I did some research and found that this is absolutely NOT the case. The items listed on my XXXX Account is causing a hardship for me and are simply inaccurate. There's one for {$8200.00} for a rental property and one for {$110.00} for a medical bill. I'm not sure of the company who purchased the alleged debt and that is why I reached out to XXXX. However, the way XXXX has handled this situation by disregarding my rights as a consumer and their deceptive practices ; I no longer wish to do business with them directly. At the time of this complaint I got another report to find that they still have it listed and refuse to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: FC HoldCo LLC
State: PA
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:
FLAGSHIP CREDIT HAS BEEN DISPUTED WITH ALL 3 CREDIT AGENCIES FOR INCORRECT REPORTING, CREDITOR NOT VERIFYING AND VALIDATING THE DEBT, SHOWING ANY PROOF OF CONTRACT WHIT VIOLATES 15 USC 1681 CONSUMER REPORTING LAWS. THIS ACCOUNT NEEDS TO BE REMOVED FROM XXXX AND XXXX, AS XXXX HAS ALREADY REMOVED THE ACCOUNT. THERE IS NO SET CONTRACT WITH FLAGSHIP WHICH PROVES THAT THEY WERE NOT GIVEN PERMISSION TO REPORT AN ACCOUNT TO THE CREDIT AGENCIES.

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 2021-07-29
Company: DISCOVER BANK
State: VA
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:
There has been unauthorized Inquiries on credit account I do not recognize. These accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 U.S. DEPARTMENT OF EDUCATION Account 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 non-monetary relief
Consumer complaint received 2017-03-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has continuously charged me even though i am still in school and should have a deferment. When I call them, they claim they never received my paper work and force me to take forbearance. I end up missing a payment because I think im still in deferment status and it has had a negative effect on my credit. I am trying to improve my credit and Navient keeps causing issues. They have done this numerous times. I dont get how they never receive my paperwork. Or how it is possible to know I left school and charge me the very next month the semester is over. But they never seem to know when I am still in school, even when I follow their rules. When I asked them they responded with, they get a quarterly report. If that was true how is it they when I am done, even if I had drooped mid semester. Would n't they know when the next quarterly report was received. This is not the case with them one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2015-10-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good morning my name is XXXX XXXX I have a mortgage with wells fargo for my house that I live located at XXXX XXXX XXXX XXXX PA XXXX on XX/XX/XXXX2015 I apply for a home load modifications I provide all information requested wish I am enclosed here for you review XX/XX/XXXX2015 I received a letter of denial for my motification base on my income please note my income as I prove it on my documents are about {$2400.00}. a month and my expenss are over {$4400.00} a month I do n't see a reason why my modification can be approved when is clear I have a higher expense then income please I need your help to review this denial I want to keep my house and I want to have the help of my modification to reduce my monthly mortgage payments at my house it looks to me wells Fargo want to foreclose my house so they can make more profit see documents enclosedXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: GA
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:
XXXX XXXX sold our loans to Navient. Naivent claims they 're unable to provide any sort of amortization chart simply because the loans are marked " variable interest ''. However, they 're also unable to answer how since 2012 when those " variable interest rates '' have yet to spike over 5.75 % that in over {$35000.00} worth of payments, almost {$20000.00} has gone strictly to interest leaving the other {$15000.00} to be applied to principal. I 'm not a genius, but that math just does n't add up to me. They 're scripted answers will not suffice for this household. After seeking council from a professional, we did some research and found that the Consumer Financial Protection Bureau has a lawsuit against the institution. " The lawsuit alleges that Navient provided bad information in writing and over the phone, processed payments incorrectly and did not act when borrowers complained about problems. '' They have continued to fail their customers by deceiving them when it comes to the ability to pay back their loans in a timely manor. These crooks are simply out to XXXX the dollars out of students and their families for as long as they possibly can. They have to be stopped. Loans should be easily consolidated when purchased by a third party rather than forcing the payee to split their payment over several loans. This adds to the confusion and makes it extremely difficult to understand where you are in terms of repayment, not to mention it makes it virtually impossible to ask questions over the phone with their terrible customer service workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TELERECOVERY COLLECTION/CHARGEOFF $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, LA XXXX XXXX XXXX ) XXXX This collection agency claims that I owe {$170.00} for a doctor visit that was canceled. They are trying to collect for a service that was never given. All previous appointments were paid in cash with receipts. This was not a lender but a doctor visit. The company would not return my calls about the matter and did not respond to my written letter. This is affecting my credit and they have yet to provide specifics so that I can prove it was paid. I DO NOT OWE THIS DEBT. Please tell me how to remove this from my credit info. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
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 was attending college at XXXX and XXXX. at the time the only loans i could get was thru XXXX aka navient and that is with my mom as a co-signer on XXXX of the loans i took out. once i stopped attending college around XXXX my debt to them was roughly XXXX, i couldnt make the payments they wanted me to make pretty much forced forbearance unto me. in XXXX i decided to try to finish school by attending an XXXX so i could continue working full time. by XXXX my " in school forbearance was up '' and they said i had to start making payments of that time the debt was roughly around XXXX. i advised them i couldnt make the {$900.00} payments and offered to make payments of roughly XXXX given my income and the needs of my son and they only solution they could offer me was another forbearance, no income base program no nothing. they had it listed on some of their documents and website that during any forbearance i could make {$25.00} to keep the interest off. During the winter of XXXX early XXXX i was informed i was no longer able to take anymore forbearances and they would accept payments no less than XXXX a month for a debt of XXXX. in just 3-4 years it doubled. because of this jump i had to move in with a friend instead of keeping my own place where my XXXX son could come and visit to try to swing any amount of money i could to try to make the payments. I made roughly 3-4 payments of XXXX the best i could do still wasnt the amount they wanted however. after realizing i would be homeless if i kept it up i filed for chapter XXXX protection to stop being hammered by their outrageous interest rates because private student loans couldnt be wiped clean or reduce using a chapter XXXX once they found out i was going into chapter XXXX they attempted to do an IBR but it was still in the ball park of XXXX dollars according to them. i proceeded to file chapter XXXX because it was the only way to escape their XXXX plus calls a day starting roughly XXXX and ending sometimes at XXXX. it also prevents per my attorney from adding on any interest to it though i suspect once chapter XXXX is over in 5 years im sure they will be waiting to add on another XXXX easily. because of all the interest that has been tacked on i am unable to buy a house or buy a car anymore because of income to debt ratio. because of these loans i have to work my self to death just to try to provide for my son and also to make sure my mom doesnt inherit any of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
after completing paperwork for income based repayment I was approved for {$0.00} a month but according to Navient that does n't not count toward my 10 years. How can I be approved for income based payment and it not count for the 120 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I paid off my credit card in full on XX/XX/XXXX with Bank of America on a closed account. On XX/XX/XXXX I received a bill from Bank of America for {$1.00} cents. When I called to ask were this charge came from the phone rep said it 's the minimum charge for all credit cards. I told her that my account was paid in full on XX/XX/XXXX and has been closed for over 10 months. She said that makes no difference and if I do n't pay the {$1.00} I will be charged a {$37.00} late fee for every month it 's not paid. I checked the statement they provide online and it does n't show anywhere this {$1.00} came from. How can I be charged a minimum charge on a card that 's been closed for ten months.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXXXXXX Account number XXXX XXXX and XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: OH
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children with XXXX on the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in the process of completing a modification agreement with the lender, Wells Fargo Home Mortgage, loan # XXXX. As part of that process, Wells was to automatically withdraw the second of three payments from my checking account on XX/XX/XXXX. On Friday, XXXX/XXXX/2016, I checked and the payment still had not been withdrawn from my account. I contacted Wells Fargo and was advised that my loan and the attendant servicing had been sold to XXXX. At no time had I received notification of the sale of my loan and in particular I did not receive any notifications at least 15 days before the effective date of the transfer or XXXX/XXXX/2016. No electronic, telephonic or written communication was received. Wells provided the contact number for XXXX and the account number that XXXX has assigned to my account. I contacted XXXX on XXXX/XXXX/2016 and they confirmed that my loan had been sold to them and they confirmed that my modification agreement would be honored. I have to check on XXXX/XXXX/16 to determine if the second payment is withdrawn from my account and if not, I will have to contact them and make arrangements to have the second payment withdrawn from the account and establish an autowithdrawal capability to pay the mortgage each month on the first of the month. Wells did not provide any of the auto withdrawal information I had established with them. In speaking with the XXXX personnel, she advised that they had received many calls from individuals having Wells mortgage loans sold to XXXX and no notification was provided advising of the sale of the loans. Required good-by transfer letters were not sent in accordance with established guidelines.

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 2022-04-18
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an XXXX  card after receiving a promotional brochure during a flight on XXXX. I received the car in XXXX but couldn't activate it until XXXX because someone had entered the wrong birthdate. Once I got it activated, I used it to buy another flight on XXXX. MY bill came and I noticed there was an annual fee on it. The promotion I signed up for was for XXXX miles added to my account and no annual fee if I used the card. I have called and talked to numerous people. I have received calls from their billing department insisting that I pay the annual fee and the interested I am now being charged for not paying that {$99.00}. I paid for the ticket but not that annual fee. Finally, someone asked for the promotional code and when I gave it to her, she said I had to pay an annual fee. I was holding yet another brochure in my hand and read to her the statement from the brochure that there is no annual fee the first year if I use the card. I told her I wanted to cancel the card but she said she can't do that until I pay the annual fee and interest.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions.

Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate

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