BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 
/ :. XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY EXPERIAN CREDIT REPORT. 
/ : XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY EXPERIAN CREDIT RPORT. 
/ :. XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 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. 15 U.S.C. 1681 C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 45U.S.C. 1681 S- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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
Consumer complaint received 2017-01-11
Company: Navient Solutions, LLC.
State: TN
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 'm paying close to {$650.00} a month for my private loans ( I have a sum of federal loans as well ) and I investigated further into where my payments are actually going. I noticed that less than 50 % of total payment per loan was being applied to the Principal amount. I contacted Navient, my private loan servicer, and tried to change the allocation of my payments to be put towards the Principal amount. Apparently, they do not offer that option and I 'm out of luck when it comes to trying to pay down the Principal amount. They also informed me that they do not offer any kind of income based repayment options. They offer other repayment options, but those have to be set up with their Collections department and declined to offer any more information on details of repayment options. Since XX/XX/XXXX ( current XX/XX/XXXX ) I have paid approximately {$600.00} of my balance and my interest rate on all loans has increased by 0.25 % ( highest interest rate is 11.000 % with no interest rate below 8.875 % ). I feel like I 'm being robbed and just treading water with these loans. I feel as though I will never get out from under this debt. I make a decent salary with my current job, but I know this will not always be the case and right now I can only afford to pay the minimum of {$650.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/XXXX I finally settled a debt with a bank I loaned from back in XX/XX/XXXX. The loan was for {$5000.00} and I paid {$4000.00}. The bank immediately sent me a confirmation of payment, and court documents stating the debt was satisfied. The bank assured me that they updated their reports with the credit bureaus, however, there are no new updates. I disputed on all three bureaus to get them to investigate to put pressure on the process in case the bank did not do their responsibility. I waited the appropriate amount of days and received negative results from all of the bureau stating that " all info regarding the bank is reported correctly '' but it is n't! My report does n't show I paid them anything and it is reporting the same since I defaulted. I do n't know who to turn to because the bank is shifting blame on the bureaus and the bureaus are saying it 's correct and the merchant is saying all info is correct. I know for sure some kind of law is being broken under the Fair Credit Reporting Act. They are reporting inaccurate information and it 's affecting my score which I am repairing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Experian has provided me with a signed contract of my obligation but they continue to claim this has been verified. When review my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Experian continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.

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 2022-06-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I already requested the original contract for validation, but still, no letters nor original contract have been sent to me. These accounts are still on my report and my request is still being ignored. I sent already a validation letter and an FTC report as the bureau requested. I am being ignored which shouldn't be the case as the law states that I am able to request a contract that they have on me with this company I listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
bank of America has a atm suspicious activity program which use to be voluntary but now seems to be mandatory. although some still say you can opt out, I try what they say to do it but so far no luck. this sounds great in theory but it is actual harassment. they freeze you card, the only way you know it is them is by e-mail or phone call. if your in a store and do n't have a cell phone, your screwed as everyone thinks your out of money or them the trans has to be void and you leave in shame and once you get home and call them or get the e-mail, then your on hold to get to a person for XXXX minutes, then the person wondersw why your upset- well duh!!!!. then in my case since I was at the drug store getting medicine I have to face the embarrassment of going back there to finish what I started. this would not be so bad if I had not already done what the rep told me to do last month when they froze my card for suspicious activity at the same store. so when I got the rep on the phone I went through the list of where I work, where I shop, the drug store, everywhere I might use the card so this would not happen again, they said that this was what I needed to do since they could not find a way to opt me out of this nightmare. low and behold I get up on the day before XXXX, buy a XXXX book from XXXX, which I told bank of America I was a junkie for, and go to the drug store and post office, which I told them I go to and guess what, they freeze it and I have to walk out the drug store, no medicine XXXX drive home check the mail, call them, wait on hold XXXX minutes, answer stupid questions all for a im sorry, then go through the embarrassment of going back to the store and not having them think I am a broke moocher. if bank America would go back to letting this be optional or finding a way to let people opt out of this esp if they already have this service from others then things would be a lot better

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I setup payment arrangements with this company and after arrangements were made phone calls started stating they would not accept the payment method I have. So after arrangements were made they sent me a letter stating they cancelled the arrangements and have continued to call me daily 4-5 times a day. I ca n't afcord to spend more money then what was agreed to in order to make the payments and they keep insisting that its my responsibility to change my payment methods in order for them to accept the payments.

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Last month, I contacted the TransUnion Credit bureau via telephone regarding inaccuracy and inaccurate information pertaining to XXXX XXXX XXXX Account XXXX XXXX, on my Transunion credit report for the months of XXXX, XXXX, and XX/XX/XXXX. TransUnion, representative informed me that all the information is accurate and has been verified and validated. 
How can the account be verified and validated when XXXX, XXXX, and now XXXX Transunion credit report still reflects missing payment dates, missing payments amounts, highest account balance for every month for the years of XXXX, XXXX, XXXX, and the months of XXXX and XX/XX/XXXX, is missing data. In accordance with CFPB... Transunion has and continues to violate the following codes pertaining to me as the consumer 15 USC, 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2015-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Reference case # XXXXXXXXBank of America 's reply. On the document they attached to my previous complain it states on page XXXX, under instructions and notice to debtor ( item XXXX ) " The law requires you take certain steps to make sure the decision is in your best interest. IF THESE STEPS ARE NOT COMPLETED, THE REAFFIRMATION AGREEMENT IS NOT EFFECTIVE, EVEN THOUGH YOU HAVE SIGNED IT. ) Step XXXX. If you were represented by an attorney during negotiation of your reaffirmation agreement, you must have signed the certification in Part XXXX - This was never completed by my attorney, Bank of America never had a representative during the meeting with the Judge at that time, nor did First Franklin. That 's why several of the steps were not completed and when they submitted the Foreclosure of the property they stated they were trying to get the note signed again. 

I had my attorney present at that time representing me and was when she presented me with the reaffirmation documents she had me signed them but she never completed them, as you can see no where in any of the documents Bank of America submitted has or had my attorney 's signature or any representative from the court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to Regional Acceptance Corporation on XX/XX/2020 by certified mail. The context of my letter stated that there was incorrect reporting to the credit bureaus under my social security number. I asked them to verify that the account was mine and to send verifications to me within 30 days. The company sent out a statement on XX/XX/2020 from a XXXX XXXX but did not verify that the account was mine. I sent out a 2nd letter on XX/XX/2020. The context of this letter stated that I needed verification that the account was mine. Again, they sent the same letter on XX/XX/2020, with no verification, just a statement from a XXXX XXXX. On XX/XX/XXXX I sent another letter stating that I just wanted to know who the account belonged to, please verify that it is mine, and to inform them that they had broken the law by not marking the account as " disputed '' on my credit reports within the 30 days as the law states and as a result they must remove the inaccuracy. The company sent me a letter on XX/XX/XXXX stating that I was harassing them, that my claims were frivolous, that I could look for the " disputed '' addition to my credit report in XX/XX/2020, and that they would no longer respond to me because the matter is now closed.

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 2022-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, someone in Florida used my card at a XXXX in Florida, charging the card {$160.00} ( three transactions of {$55.00} each ). They blocked the card themselves and notified me of the suspicious transactions which I acted on quickly. I got my card replaced and filed a claim the same day. They have just notified me that they can not approve the claim saying that someone was authorized to use the card when I am the only cardholder and do not and have not been to florida and do not shop at XXXX They need to reinvestigate and approve the claim as they allowed someone to add my card to XXXX XXXX to use at a XXXX in florida without my consent. 

Not just that but they took my access to use XXXX XXXX  without any reason.

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 2021-01-05
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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The reason why I am filing this is complaint is out of concern because the Bank of America Claim Dispute automated service would not allow me to upload all of my evidence and tell the full story regarding why I filed the Bank Of America Claim dispute ending in XXXX. Below is the full story behind Bank of America Claim dispute ending in XXXX. 

The nature of my latest complaint against XXXX is that on XX/XX/2022, I purchased a Deep Tissue Message Gun ( Exhibit B ). The product started working well until a week ago. First, the message gun motor started smoking with felt a slight sting that burned my left thigh. The best way to describe the burn is when frying food in the skillet and the occasional pops from the grease sting your face. Please note, the motor was not at full speed when the incident occurred. 

Secondly, After the message gun started smoking. I contacted XXXX customer service via chat on XX/XX/2022 ( Exhibit C ). I spoke XXXX Customer Service Rep, XXXX via chat. XXXX advised me to contact the seller. I did as instructed. The seller XXXX XXXX, never contacted me about honoring the warranty ( Exhibit D ). On XX/XX/2022, I contacted XXXX customer services via chat. I spoke with XXXX customer service rep, XXXX ( Exhibit D ), I informed XXXX that XXXX XXXX, the third party seller who sold me the Message Gun never replied to my message about honoring the warranty. It's been a week and I still have not heard from the seller nor from an XXXX Escalation specialist. 

Thirdly, It is worth noting that the seller XXXX page discontinued seller the message gun that I ordered from them ( Exhibit D ). And they switched their name from XXXX XXXX to XXXX XXXX XXXX ( Highlighted in Yellow in Exhibit D ). I Finally, I suspsect that XXXX and its third party seller sold me a counterfeit product by a third party seller based based in a foreign country. I have tried every remedy with XXXX to resolve this but XXXX and its third party seller refused. It is also worth noting as you are reading this that I have contact the Washington State Attorney General Office ( Where XXXX Headquarters are located ), United States Federal Trade Commission and the United States Customs Counterfeit Fraud division.

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 2022-06-04
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've tried to dispute with the car company Santander and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. Santander is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, XXXX, XXXX ). I've disputed multiple times with the agencies and with Santander and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?

Company response to consumer: Closed with explanation