BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-20
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I attended XXXX XXXX in XXXX XXXX New Jersey and my program was XXXX. I attended school 2013 and i wanted to do the XXXX. I I found out in orentation that my program was changed to XXXX at the last moment I felt it was unfair because i really wanted billing andcoding I felt pressured in to the program I did not pick but i wanted new career for myself and thats whst the promise now i ccompleted program and the promise to help get me work and they were sending more than XXXX resume to the same employer which msde it hard for me to grt work. Now im broke no job and XXXX kids to care for i cant afford to pay loans back. I sent my resume to some companies i only got work at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I received a call from Navient asking me if I wanted support in paying off my student loan balanced. I paid off my student loan balances in XXXX and had not heard anything since XXXX and now they want me to pay late fees on a student loan account I paid off in XXXX, 5 years ago. 
When prompted to review, they indicated they reversed payments but never told me in XXXX at the end of my last student loan payment though I clearly recall a phone conversation with a Navient aid to walk me through final payments on my loan. 
I do not have records as was in an old email account and can not locate the final letter but have not received bills or statements from Navient since XXXX and just now getting this call that I have a balance including late fees 5 years later. I have not received any mail even though I verified they had my correct mailing address on file. It is clearly documented on my account that it there are reversed charges in XXXX and not contact until XXXX. I am unclear on how to file a formal complaint and they will continue to file late charges. They said they reversed charges because I had paid it off but are now charging me for the reverse charges with late fees. The manager who authorized this is XXXX XXXX at Navient. Now my credit score is being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: T.S. Holdings
State: NC
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:
Im contacted XXXX XXXX XXXX XXXX. In regards to the report on my 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Signed a home equity loan mod contract on XXXX/XXXX/XXXX with Bank of America and have a signed a congratulations letter dated XXXX XXXX, XXXX for the approval of the modification agreement. I have been paying faithfully according to the terms of the agreement. Last increase was XXXX/XXXX/XXXX XXXX for 455 mos, the rate is {$980.00}, which I pd. Suddenly I rec 'd a XXXX XXXX bill of {$1000.00} after paying {$980.00} & a late pmt on my credit for XX/XX/XXXX. Nobody can tell me why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for forbearance with My loan care LLC due Covid-19 and got approved for the period starting on XX/XX/2020 to XX/XX/2020, on XXXX of XXXX, the mortgage bank reported the bureaus company that I have a delinquency which is completely wrong bcs Im still under the forbearance. I contacted the bank three times and the problem not been fixed so far. That delinquency report dropped my credit score 85 points for both of me and my wife.

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 2022-05-15
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened the account with US bank in month XXXX. I have direct deposit with in 30 days. It is being more than 6 month, i didnt receive the bonus of {$400.00}. 
I went to bank to resolve the issue and they said that they will get back to me. But, i didnot receive any call from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: United Student Aid (USA) Funds
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a presentment from the US Dept of Education stating that the debt was not paid. I have never paid US Dept of Education directly except for the last 2 years of income that they took without notice. The previous load servicer had garnished my wages for 5+ years until I asked them to verify the debt. They were not able to verify the debt and they sold the debt to the US Dept of Education. These tactics are in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I went to see a teller about a check deposit, and Bank of America banker applied for credit card without my consent or knowledge. She offered me a cc offer, but I said no thanks several times, to which she lied, saying that it 's already in the mail. Boa regularly mails out credit cards to our best customers. To which I said. That 's illegal. Bank is breaking law if you send me a cc without my request. She said BOA does this all the time, said if I did n't want it, I should just not activate it. I complained to her that 's not how it works. But we ended our conversation there. To my horror and surprise I received a boa credit card in the mail with a letter dated for that very day I was in the branch regarding my check matter. Bank employee proceeded to lie to me over and over. She did not have my consent. Verbal or written. She just lied to apply for this without my knowledge. I do Not want a BOa credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has continuously given me the run around and suggested I continue forbearance, when I did apply for IBR they quoted the payment as XXXX but the Navient Payment reminder stated I owed XXXX? I am willing to pay my loans but can not give them my entire paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My wife recently passed away and she had a CD at Bank of America in her name only. I have gone to the state probate court and received a ruling that granting me, the surviving spouse, ownership of the CD. I have submitted a copy of this ruling and a notarized form to Bank of America 's Estate Unit in order to gain ownership of the CD, yet the Estate Unit continues to delay releasing this account to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: NC
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  XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 2020-06-10
Company: Experian Information Solutions Inc.
State: GA
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:
There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( Experian ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late ) XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$4700.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$1800.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$2600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8300.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( XXXX  ) UNKNOWN - Opened 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 2020-06-10
Company: Experian Information Solutions Inc.
State: GA
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:
My personal information on my Experian credit report is inaccurate. This is my second request to have incorrect addresses and names corrected on my report. This is a violation of my consumer protection rights.

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 2022-05-15
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I applied for a poor credit credit card to rebuild credit on the Experian XXXX credit website. The Experian Credit report company lowered my score from XXXX to 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 2018-09-30
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX XXXX XXXX XXXX XXXX credit card # XXXX is lost/stolen, and all the transactions are fraudulent and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: MI
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:
on. for 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 XXXX XXXX XXXX XXXX OPEN BALANCE {$8900.00} OPENED XX/XX/2022 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agenc

y 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.

15 U.S.C. 1681s-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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nationwide has wrongly reported my name to the Credit Bureau on behalf of XXXX XXXX XXXX XXXX. Whenever, I called XXXX, they tell me to call Nationwide Collection Agency for details. But when I contact Nationwide, Manager XXXX XXXX stated that XXXX owned my accounts. I strongly believe that they are falsely tried to collect debts that are outdated. Nationwide recently sent charges from XX/XX/2012 and XX/XX/XXXX for {$2000.00} to XXXX. That 's Wrong! I do have Medicare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of XXXX XXXX XXXX have submitting false evidence under the penalty of perjury into the Circuit Court of XXXX XXXX County. XXXX XXXX XXXX has foreclosed on the subject property in XX/XX/XXXX using the name of the original XXXX and a license number that expired in XX/XX/XXXX.XXXX XXXX XXXX of XXXX under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of 15 U.S.C. 1692e ( 13 ), 15 U.S.C. 1692f ( 6 ), 15 U.S.C. 1692e ( 4 ) and 18 U.S.C. 1621. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: MD
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:
My Equifax Credit score dropped significantly with in the last 2 months. I contacted Equifax customer service representative to try to rectify the problem. I never had my credit scores to drop 172 points in a weeks time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TN
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:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-11-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
in XX/XX/XXXX i bought 2 new tv 's from best buy i knew i would pay the balance when the card came in.i paid the card off in XXXX but noticed a charge for XXXX put there buy best buy .... not myself so i paid the balance of 3800.00 ( approx ) off less the charge that was added buy them. closed the card as it really disturbed me that they added this with out my say so they kept billing me and adding fees so i went ahead and paid the XXXX just to end there game they are still adding fees and sending me bills for a card that is no longer open the current balance is XXXX and they have been paid i am also disputing this with all of the credit agencies I am currently XXXX credit rating best buy i believe is way out of line with this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28
Company: Seterus, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a bankruptcy in XXXX XXXX and it was Discharged in XXXX XXXX. Items are only supposed to remain on credit from 7 years after date of last payment, which is has been. This account should have fallen off of my credit report after XXXX XXXX, but it is still reporting on XXXX. Also, Seterus sent an update to my credit file in XXXX XXXX, which is against bankruptcy laws because they are further damaging my credit after my bankruptcy discharged. This is preventing me from obtaining financing and I have called Seterus to try and resolve this issue to no avail.

Company response to consumer: Closed with explanation