BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist is buying loans, requiring homeowners to open Truist accounts to pay their mortgage, and charge unnecessary late fees when a customer forgets to make a payment. This business practice will increase homeowners chances of missed payments and increase late fees assessed by Truist and is an unethical practice to increase their deposits and active accounts. 

I have used the companies Truist Assist chat bot as well as their 'Manage and pay ' tab ( https : //www.truist.com/mortgage/manage-your-mortgage? tru-tab-select=manage-pay*truisttab-XXXX ) and I end up in a never-ending loop of 'Set up recurring payments ' which prompts you to log in and then you are sent to the main Home Screen. Nowhere does it actually allow you to set up any sort of ACH recurring payment or autopay bank withdrawal with an external source through their website. 

Truist makes it unnecessarily difficult to set up autopay which could disproportionately affect lower income and/or tech-illiterate homeowners. The only way I see to allow autopay is through a mail in/fax form.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
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:
Looking to get all inquiries from XXXX to be removed they were not authorized by 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 non-monetary relief
Consumer complaint received 2021-08-31
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This was in deferment and could not have incurred slow pays. Investigate thoroughly and please update for 100 % accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
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 obtained a loan from XXXX XXXX ( later Navient ) while attending my XXXX university in XX/XX/XXXX. As an aside, it was reported that the university received kickbacks for me being pushed towards this loan service company. I later enrolled in XXXX in XX/XX/XXXX. As a full-time student, my loan was automatically put into deferment. In XX/XX/XXXX, I was notified that a payment was late. I was billed, with less than 30 days notice, for a full repayment payment. I called and spoke to customer service multiple times, and was told that my loan was taken out of deferment each winter break and every summer break ( for my XXXX year period as a full-time XXXX ) because " I was not taking classes during the break periods. '' As a result, my interest capitalized a total of XXXX times from the time I enrolled in XXXX until the time I graduated XXXX years later ( XX/XX/XXXX-XX/XX/XXXX ). Instead, since I was in deferment as a full-time student, interest should have been capitalized only once upon my graduation in XX/XX/XXXX. This unreasonable service of the loan is in complete conflict with the concept of full-time student deferment. No other loans I held during this period ever capitalized interest ( XXXX, XXXX, XXXX and XXXX ). Aside from the issue of wrongfully capitalized interest and forced payment with a late fee, XXXX and Navient have also failed and refused to provide me with a proper interest statement for tax filing. I have requested such documents and have not once received the proper paperwork. Rather, I have received notices stating " although you may have paid interest in XXXX [ insert any year until XX/XX/XXXX ] the interest is ineligible for a tax deduction. '' As a result of claiming the interest on my tax returns, I have recently received correspondence from the IRS. I was required to compile paperwork and provide supporting documents, since I am still told I am not able to obtain a tax statement from Navient, to provide to the IRS. This wrongful conduct by Navient has now resulted in delays in obtaining this years tax returns, as I am being audited for taken deductions from Navient. I have called and attempted to work with Navient to obtain information and to prevent the capitalization of interest on my loan throughout this time, but no relief or proper response was ever received. I am seeking to hold Navient accountable for the wrongful interest amounts charged, and the cost of legal assistance to respond properly to the IRS for Navient 's failure and refusal to provide the necessary tax documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is Reporting a debt from a collection agency named Southwest Credit Systems. I have disputed the claim once and it was reinstated. This collection is a cable/cell phone bill of {$100.00} with a collection amount of {$220.00}. I have called the collection agency and spoke with them for over 1.5hrs and the discovered after many attempts they could not verify any active account with all my personal information provided. I spoke with a XXXX XXXX an account rep @ XXXX she told me there is not active account. I asked for a letter or email of proof and she stated no letter or email statement could be provided because there was no active claim account. I have disputed twice with XXXX and they refuse to remove the negative claim that is not mine. I used XXXX XXXX which is XXXX XXXX have been a customer for 15+ years ask for them to run my info for any unpaid or collection and there is nothing active or delinquent on their end. XXXX This is my last option according to XXXX for resolution. Looking at there credit report I may have fallen victim to identity thief or lumped into a similar name situation as there is an address on my credit report that I don't recognize and a city I have never lived in. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I purchased a XXXX XXXX XXXX with financing though Byrider on XX/XX/2022 at XXXX. My total payment amount once the car is paid off will be {$33000.00} which is three times the amount the car is worth. I went to the location I purchased the car from and told them I wanted the purchase unwound and that I want my trade car back and my down payment refunded. I have been given the run around by both the sales side and financial side. I was told specifically by the general XXXX that Im not the first person that this has happened to, which leads me to believe that they have done this many times before and deliberately just to make money off of desperate people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hi my name is XXXX XXXX wellsfargo bank charge me XXXX over draft fees cost me around {$310.00} dollar. I am a student I ca n't pay {$310.00} I asked them to waved that fees because they sign me up for overdraft protection over the phone and did n't educate me at all I end up getting {$310.00} charged please if it possible to tell them to waived that fess. According to the research and articles wellsfargo made XXXX XXXX in charging students and customers in overdraft fees please contact me XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my XX/XX/2022 payment has been refused to apply to my loan. the company said it was because the amount was less than required, however my payment was exactly the amount on the statement from the loan company.

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 2015-09-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Foreclosure sale date of XXXX IS OF THE ESSENCEMy financial situation has changed, as of XXXX, that I can afford my mortgage. 
Request for a modification package on XXXX has NOT been mailed, emailed, XXXX, nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Other fee

Complaint:
I always pay my credit card on time. I logged in to see that my Bank of America credit card had a larger balance than normal. My initial response was to pay it off quickly. I then looked into the account further and found a fraudulent claim. The bank put a dispute in and gave me a new card. I also said that I had just made a payment and would like to have that sent back to my bank account. They told me they could not do that. What they could do was send me a check in the mail. They did this and I deposited the check. This was in XXXX, 2014. At the end of XXXX I had a mysterious charge on my credit card called credit readjustment. I called in to ask and they said they did not understand this and would investigate. Investigation, they said, should take XXXX hours. I had to call for over a month to see why no one got back to me. I wanted someone to contact me and explain. I had a folder on my computer filled with all of my statements so I was prepared when they called. No one ever explained except to say that they supposedly sent me a check, but also credited my old credit card account ( which I do not have access to see anymore because they gave me a new card ). I found this strange that they not only told me they were unable to issue me a refund, which is why they sent me a check in the first place, but also that it took them a month to tell me anything and I had to be the XXXX to follow up with them. Now I am unable to see my credit card account online and can not even pay anything off. I do not make a lot of money as I am starting my phd this fall and keep track of my money well. I can not afford to have a large charge come out of left field and no XXXX there is willing to even reduce the fee even though this was all their error to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I accidentally made an online transfer in the amount of {$500.00} via Bank of America online to an account which I thought it 's my wife 's on XX/XX/XXXX. I found out the problem next morning and called BOA right away. But BOA claims they were unsuccessful at contacting the recipient and refused to take further action. 

My wife and I have a joint account with BOA, but for some reason, my wife can not access the joint account online, hence I can not do a self transfer to the joint account. My wife reported this online account access issue to BOA several times in the past but that never got resolved. Because of that, I had to transfer fund to my wife 's own account every time I need to send money to her.

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 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX of Massachusetts over XXXX years I have massive mandatory deductions TAKEN OUT OF MY CHEC., i have been having trouble in achieving a fair and equitable modification NOR GETTING BANK OF AMERICA TO UNDERSTAND THIS.People have saved their homes over lesser circumstances .I am a one wage earner family. Modification modelswork off peoples gross pay, But in my case I have a huge disparity between my net pay and my gross.Also as soon as I got paperwork in I was denied and received their letter dated XXXX/XXXX/2015 on XXXX!! XXXXwhich gave me no time to appeal .this is weong and bank of America is getting away with it, i asked XXXX XXXX to intervene which knew my situation well for it was purported in writing.they state dthey would intervene, to my knowledge thay did not.also XXXX XXXX at bank of America promised due diligence, I believe not done.i am not about to lose my home over a few dollars.please assist

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MO
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:
Please be advised that as of today as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : CXXXX XXXX XXXX XXXX ( XX/XX/ ) XXXXXXXX XXXX XXXX  ( XX/XX/ ) XXXX XXXX XXXX ( XX/XX/ ) XXXXXXXX XXXX XXXX  ( XX/XX/ ) * XXXXXXXX XXXX ( XXXX  ) I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian the right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless they can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries. It is Experian 's duty to accurately report information and as of now they are not doing that. I look forward to someone resolving this matter with this initial communication.

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 2017-01-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I started attending the XXXX of XXXX in XX/XX/XXXX. I was recruited from XXXX by the school over the phone which is located in XXXX. I received very little information on my loans after starting and was only told to sign on the dotted lines. I was told they had high job placement and that the market for XXXX in XXXX was great. Loan terms were never fully explained when I started and almost all of my financial assistance was in the form of multiple loans. The XXXX 's programs was {$38000.00}. I finished with an XXXX and was somehow {$45000.00} in loan debt. I have all the original loan estimates from XXXX that show figures closer to the {$25000.00} range and can not figure out how my loan balances got so high when the total cost of the program should have been much, much lower. I graduated in XX/XX/XXXX and they still have not sent my paper diploma nor will they return my calls. ( I do n't even have my diploma from them after graduating! ) They did very little to help me find a job and when I took up a job in retail just to make ends meet they marked me complete for finding a job and stopped assisting. XXXX serviced my loans at first and whenever I would call to report financial hardship I was advised to defer my loans. I was not told my loans would continue to accrue interest. I still have multiple pamphlets on deferment/forbearance options from XXXX and XXXX as these were the only options explained to me. XXXX eventually consolidated my loans so I could not see the individual loans I had taken out and then sold those loans to Navient who has also kept them in deferment/forbearance. I ca n't get any assistance figuring out why my loans are so high, why XXXX seems to have over charged me, or why my interest rates are so high. I inquired about loan plans and they sent me information on plans that resulted in me paying more interest than my loans. My loan balance is currently {$69000.00} and under any of the XXXX plans they offered I would end up repaying at minimum {$130000.00} ( with some of them going up to {$150000.00}!!! ) That 's almost ( or more than in some cases ) double my loan amount! I ca n't get answers on what happened during my prior consolidations, why my loan balance is so high, or why I 'm only being sent information on loan plans that result in me paying double the amount of my loans. There have been suites against XXXX and its parent company XXXX for defrauding students into attending in order to take advantage of federal assistance - I feel that I was a part of those numbers. There were suites against XXXX for pushing students into deferment options without explaining terms - I was a part of that. There are now suites open against Navient for the same thing. It has been frustrating and financially draining to be pushed around from company to company with no understanding of my loans and no one to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2021-08-31
Company: EQUIFAX, INC.
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXXBalance {$950.00} XXXX  XXXXBalance {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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:
RE : XXXX XXXX - showing an outstanding balance ( charge off ) of {$7700.00} There is no more outstanding balance as the leased property was returned to the company and the contract terminated. This company has failed to produce any evidence of a left over balance despite many written and verbal requests. This balance must be updated to {$0.00} or the account deleted in entirety. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I scheduled my permanent payment for mortgage. every XXXX of every month. XXXX  was paid normally for 5 years, but The lender, XXXX XXXX XXXX, started the practice of intentionally not charging me in due day, and then charge me late fee for not paying in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Please see attached for description of problem that has been ongoing since XXXX XXXX. Wrong legal description on current loan through Bank of America holding up a new loan. Having tried countless times, phone calls, faxes, etc. to get the documentation resolved for a final loan to be obtained for XXXX of our other homeowners loan, we were met with so much conflict, employee lack of knowledge, brushed off, as well as several times being told to patiently wait until XXXX XXXX to allow the problem to be resolved. In XXXX when we again called we were told the problem was resolve in XXXX, at which point we applied for the loan again, only to be told it was NOT corrected. and again later ... with a final person saying we have to make the corrections on our end. In saying this we have had our loan application expire each time due to Bank of America. I am attaching all documentation. I hope we can get this resolved as it has caused so much work on our end, along with our banking institution, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, who has been patient in working with us should be commended, not to mention the title company. We have never dealt with a company like Bank of America that gives so much run around and lack of assistance. I hope you can help us. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation