BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-12
Company: AES/PHEAA
State: MN
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 have been enrolled in IBR for 6 years, paying through FedLoan. On XXXX XXXX, XXXX, I submitted a request through XXXX to be considered for Repaye. On XXXX XXXX, XXXX, I received letter from FedLoan, telling me to recertify my income, and to submit recertification info by XXXX XXXX, XXXX. If I did not recertify, my payment would be switched to standard repayment. On XXXX XXXX, XXXX, I requested an update from FedLoan on my request for new payment plan. I was told, via email, FedLoan had received my request, and that it may take 60 days. On XXXX XXXX, XXXX, I called FedLoan and asked for update. I was told they were " sorry, '' but because I recertified for IBR subsequent to my request for new payment plan, my initial request for new payment plan was ignored. If I want to be considered for new payment plan, I have to start the process over. I have been waiting for approximately 4 months for an answer to my request. No one contacted me about my initial request and the fact that it has been ignored. Additionally, the information I have received from FedLoan has been misleading and untruthful. Finally, no where is there information that I could not apply for a different plan, just because I also needed to recertify my income. 
The email from FedLoan ( my initial question is below the response ) : Thank you for contacting FedLoan Servicing! We received your request for an Income- Driven Repayment ( IDR ) plan on XXXX XXXX, XXXX. Once your request is processed, we will send you a notice with the results. 
If your request is approved, it may take approximately 1-2 billing cycles for your new repayment plan to take effect. You will need to continue to make your regular monthly payments until you receive your first bill with a new payment amount. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX, wrote : Account : First Name : Last Name : Date of Birth : I have contacted the XXXX. My request for change of repayment plans has been " closed, '' and was been forwarded to you some time ago. What is the status?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXXBank of America Credit Dispute ResolutionXXXX, CA XXXXRE : Loan # XXXXTo Whom It May Concern, It has been recently brought to my attention that an erroneous negative credit report was placed on my credit history and has adversely impacted my FICO score. The derogatory credit report must be removed and notified by the XXXX credit reporting agencies immediately. 

I have never made a late payment to my mortgage with Bank of America loan # XXXX. The late payment reported to the credit bureau was done so in error by Bank of America. Please see attached document that was faxed to me from Bank of America 's mortgage department in XXXX XXXX California on XX/XX/XXXX. 

In XX/XX/XXXX I refinanced my mortgage loan # XXXX to get a better interest rate. As you can see in the attached document, the monthly loan payment was paid on XX/XX/XXXX in the amount of {$4300.00}, well before the XX/XX/XXXX due date. Bank of America 's customer service advised that because XXXX XXXX had called and asked for a certified payoff that the account was in a payoff status. 

For reasons unknown to me and without my direction, the payment had already been accepted and cleared my account and applied to my mortgage balance on XX/XX/XXXX was reversed by your customer service XX/XX/XXXX on XX/XX/XXXX and was then posted into a miscellaneous trust account pending the loan payoff. 

Then on XX/XX/XXXX a late charge was assessed to the account as if a payment had never been made. This late charge was reversed the same day and the payment of {$4300.00} was transferred without instructions from me to my escrow account. This loan was paid in full on XX/XX/XXXX, and is being serviced by the new lender- XXXX , who in turn transferred the loan to XXXX in XX/XX/XXXX. 

Please note I was never notified by Bank of America that they had taken my payment made on XX/XX/XXXX and applied it to a suspense account and then applied it to my escrow account. Bank of America made these actions without consulting me, and therefore, until now I was not aware that they had reported a late payment to any credit bureaus in error. 

I am requesting Bank of America immediately correct this error and remove the derogatory report for each of the XXXX credit bureaus that Bank of America reports to. The incorrect late credit report has affected my FICO score and ability to get additional financing for other matters. This has also affected the credit of my co-borrower parents. 
Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check in the amount of {$5000.00} XXXX dollars to my US Suntrust account on XXXX XXXX 2016. The check is scheduled to clear by XXXX XXXX 2016 at most according to the banks fraud protection/funds verification section. This is fine. On XXXX XXXX 2016 Suntrust debited my {$1200.00} for the conversion rate and did NOT credit my account the {$5000.00}. in addition to debiting my account they charged me an overdraft fee of {$36.00} which was only an overdraft because of the {$1200.00} they debited without crediting the {$5000.00}. Supervisor XXXX at ph : XXXX stated that there is nothing she can do to credit the account the {$1200.00} until the {$5000.00} clears nor can she pre-clear the {$5000.00} to compensate for their debit and she does not understand why this happened. I have no liquid assets available, this is an atrocity and theft. Supervisor XXXX also stated that she can 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 explanation
Consumer complaint received 2018-05-30
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The initial loan amount borrowed by me on XX/XX/2007 was {$7800.00} to pay for school expenses while I was pursing by XXXX at University XXXX XXXX  XXXX County. The lender was Sallie Mae and this debt was transferred over automatically to Navient. ( without me doing anything ). I was told Navient would be serving my loan going forward. 

It's my understanding I signed up for fixed rate of anywhere from 6.75 % to 7 % originally with Sallie Mae. I was told I would get a .25 reduction interest rate if I signed up for autopay. This never happened and I called Navient but they said it was already applied. ( not true ). In fact, they decided to increase my interest rate to 9.25 % stating that I signed up for a variable rate. I am not too sure about this and complained to Navient. They said they looked at my agreement ( which I don't have a copy of anymore ) and it's a variable rate. I am pretty confident I never signed up for a variable rate.

Further, I have paid close to {$7900.00} over 7 years and my loan balance is still {$8300.00} roughly. That simply doesn't make sense. How can {$7900.00} worth of payments not make a single dent to the loan balance? Instead, my present balance is {$8300.00}. Things didn't make any sense so I refinanced with a new lender named XXXX. However, I think the damage has already been done by Navient. Can you please investigate to make sure I'm not a victim of predatory lending?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29
Company: Experian Information Solutions Inc.
State: IL
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:
Attached is my letter, I sent my FTC XXXX in the previous disputes.

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 2021-08-29
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
I believe this is a XXXX  error becuase I dont believe that all credit cards companies on my XXXX  report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX  and XXXX  has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX  said this was done by all 3 credit card companies. I believe this is XXXX  error because Discover reported an updated balance of XXXX  balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and XXXX XXXX  on the same day. Apologize for XXXX  error but credit card companies can you please retify this with XXXX  this outdated info from XX/XX/XXXX that XXXX  placed back on my report after your company reported the update XXXX  balance XX/XX/XXXX. 


Discover reported a XXXX  balance XX/XX/XXXX then today XXXX  is the only credit bureau reporting old balances today from XX/XX/XXXX on all XXXX of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. 

XXXX  for all credit cards reported to XXXX  XX/XX/XXXX. Why is XXXX  reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX  balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. 

As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been chanege back to old outdated info of this error causing non approval on a house

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: SUNTRUST BANKS, INC.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account with Suntrust Bank in 2012. The account sat still for several years after I called to close the account and was confirmed by a telephone representative and accumulated fees that I was never informed of. I received a XXXX overview and Suntrust Bank has had all of my recent addresses on file to which they could have notified me. Instead I now " owe '' over {$400.00} because of this scamming. I am having difficulty opening new bank accounts due to this issue. It would be lovely if Suntrust would work with me and if this was all just a lack of communication on both parties.

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 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
In XXXX I received a replacement Business Credit card for the one that was do to expire in XXXX 2017. I activate the new card and destroy it by mistake and kept the old card when I call Bank of America customer service they said I would receive a new card in two days. Three days later a Bank of America complience office call me and said I would to call to unlock my consumer credit file which is frozen because I am a victim of ID thief. First he gave me to wrong number then when I call Bank of America they told I would have to take a hard hit on my score. Since I can see my credit score on the Bank of America web site anytime I login why is it necessary to take a hard hit on my credit score. I have mortgage with Bank of America and personal Credit card account. They have make it very difficult for me to want to do business with Bank of America

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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER 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
Consumer complaint received 2022-04-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A charge of {$170.00} was made to my card I did not make or authorize charge

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 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern today XX/XX/2021 i am looking at my credit report over the past 2 months and there is a card that says i am late and i have no knowledge of this card. This was not opened not by me. This is fraud. XXXX/XXXX  i am not responsible for any of this. I have no knowledge of this account. I never signed anything for this card or applied. I do not owe them this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Two  men who claim to work fo r Midland Credit Management have harassed me and anyone associated to me for the past month. Calling at obscene hours in th e day, several times a day from different numbers and the most  recent two  numbers are  XXXX  and  XXXX . These men threatened my safety to me and my family members, they also threatened to defame my credit report for an erroneous debt they claim I owe if me o r one of my  family members did n't make a lump sum payment over the phone immediately. They would n't give us an address for their company and said we could n't mail a letter of cease and desist to them. They stated that they also could not send so called debt back to the originator. They even said they ca n't send any information about the debt until a payment was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
I believe this is a XXXX  error becuase I dont believe that all credit cards companies on my XXXX  report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX  and XXXX  has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX  said this was done by all 3 credit card companies. I believe this is XXXX  error because XXXX reported an updated balance of XXXX  balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and US Bank on the same day. Apologize for XXXX  error but credit card companies can you please retify this with XXXX  this outdated info from XX/XX/XXXX that XXXX  placed back on my report after your company reported the update XXXX  balance XX/XX/XXXX. 


XXXX reported a XXXX  balance XX/XX/XXXX then today XXXX  is the only credit bureau reporting old balances today from XX/XX/XXXX on all 3 of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. 

XXXX  for all credit cards reported to XXXX  XX/XX/XXXX. Why is XXXX  reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX  balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. 

As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been chanege back to old outdated info of this error causing non approval on a house

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 2021-08-29
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern today XX/XX/2021 i am looking at my credit report over the past 2 months and there is a card that says i am late and i have no knowledge of this card. This was not opened not by me. This is fraud. XXXX/XXXX  i am not responsible for any of this. I have no knowledge of this account. I never signed anything for this card or applied. I do not owe them this money.

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 2022-04-13
Company: Bridgecrest Acceptance Corporation
State: AZ
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:
Reached out to XXXX to remove a XXXX day late fee charge that was incorrect. Spoke to the XXXX XXXX XXXX and they agree that XXXX day late report should be removed and all late fees but XXXX late payments. XXXX refuse to change or update report with documents that was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Experian Information Solutions Inc.
State: AZ
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 have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

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