BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account # 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 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 for any purpose

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 2015-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I moved out of house and more then a year later sent XXXX sent bill closing for {$110.00}. In fact, the new owner should 've been billed but nevertheless it 's a small amount. Unfortunately it was too late to be forwarded and I never received it. When I checked credit report it showed. I contacted customer service and paid invoice and still on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: TX
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:
Hello my name is XXXX XXXX, I have XXXX private student loans that sum the total of {$61000.00}, I usually pay {$390.00} monthly and its a lot of money for me since I 'm the only one who brings money to my house. Yesterday I was scheduling a payment and I noticed that they increased my monthly payment to {$400.00}, I called them and they say that they increase the interest rate just because. It 's this even legal??? Please help me out, I 'm not trying to forget my loan I really want to honor this debt, but I do not know what else to do. This is my information below.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have tried and tried to get my payment history correct with Bank Of America. I made payment arrangements of {$740.00} so far I have made two which equals to {$1400.00}. I just checked my credit report and they are reporting that I am past due for {$1500.00}. this is in correct. Bank of America has not updating my credit and their has n't been a decrease of my balance of the second {$740.00} payment that I have made on XX/XX/2016. This is causing me a great deal of XXXX due to me being a female and a single female on top of that. I have made the arrangements of {$740.00} to catch up on the past due mortgage payments, and they still report I am behind on my Mortgage.

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 2016-06-22
Company: Navient Solutions, LLC.
State: FL
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:
My loans ( subsidized and unsubsidized XXXX XXXX ) have been consolidated since XXXX XXXX, XXXX. My servicer is Navient. I have called them several times over the years to make sure the payment plan would qualify for PSLF after 10 years and 120 consecutive on-time payments. I received my third confirmation yesterday XXXX/XXXX/XXXX from XXXX at Navient. After researching more and calling XXXX I was told that my payment plan of Standard Extended 30 years does not qualify. That I would need to change my plan. I have been working XXXX with the hopes of utilizing this great benefit. However, now I am being told that I need to change my plan and start the process all over again and restart my ticker to count towards 10 years. I started and pursued my career as an XXXX with the hopes of using this program. I have had three separate conversations with Navient and all confirming that I was on the " right plan ''. There needs to be clarity and resolution for their actions. I have been misguided even though I have done my due diligence as the borrower. Navient should be held responsible and accountability taken on upon them. Now, I am in a situation where I will need to restart this process. Guidance and resolution is what I seek for this misfortunate situation. As a borrower, calling your servicer is critical, but there is only so much one can do but trust them when they have confirmed time and time again that I am on the right path.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was accessed a {$39.00} dollar fee on XXXX/XXXX/16 " Fee Overdraft ( XXXX At {$39.00} ) |eNotice - {$39.00} ( with a balance of {$510.00} ) that I did not understand as balances on either side of that date, as listed in my online acct page, were above the amount required. I went into a branch and though, cust. service women could not say and instead called " someone in back '' as " they see things in a different way '' quote. Say what? I thought our online view was actually what was happening in real time and the whole point of it. 

The charge the " backroom '' people stated overdrafted my acct. was due to a co. that was given my debit card info. by another co. by the name of XXXX that I had to use in order to book a campsite reservation. I read ALL notes and forms and alerts and info for that site which was super convoluted and packed with choices and dropdowns and mandatory responses about camping and personal info. & payments etc. What came later was lots of spam from this other co. called ACTIVE XXXX XXXX XXXX XXXX, Texas XXXX Their charge showed up DBT Purchase XXXX Tx XXXX ( 3 ) weeks after the camping was long over and is a membership I never signed up for and never opted out of because I never read their spam mail in the first place. I did all the research myself. I thought maybe would have had a little more help from the bank. She stated that it seemed legit or from a swiped card and that since the co. listed a phone it was probably not a result of illegal usage but it actually WAS! 

Best, Thanks! 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Bank of America has not recognized any of the fraud claims I have sent to them in the past 5 months and thus right now they owe me XXXX dollars including the current fraud claim on my credit card. If they fail to recredit my credit card and pay me the total XXXX, I will take this case to small claims court.

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 2017-03-14
Company: Navient Solutions, LLC.
State: WV
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:
Was given a deferment to avoid default and one of the XXXX loans was sent to Poineer credit recovery defaulted after being told everything was fine. Now I am being charged 2 % per day in interest equaling 936 % per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient put me on a reduced payment program and they cancelled it on me without calling me. The woman on the phone by the name of XXXX told me they tried to call me and reach me but could n't. Also that they should have told me XXXX XXXX when they called me to change the payment from credit card to my account which I did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In this case discovery was never completed, conditioned presedence was never met, no testimony given, no witnesses to alledge factsgiven under oath, statements presented was based on heresay.However on the forth hearing opposing counsel prensented a note with brite blue signitures and the Judge asked me was that my signiture, as I was replying that it looked like my signature opposing counsel interrupted and said `even he admits it your honor`, my finish statement was your honor they can put your signiture on anything. 
Next the Judge said if either party would like to send me any additional information before I make decision you have eight days to do so. 
Below is the additional information I sent to the Judge however I do not believe he got an opputunity to read it prior rendering a decision. 


IN THE SUPERIOR COURT OF CONNECTICUTJ.D OF XXXXBANK OF AMERICA. N.A. 
PLAINTIFFv. DOCKET NO : XXXX ANDDEFENDANTSXXXX/XX/XX/XXXXMy name is XXXX XXXX XXXX XXXX After losing my job of 28 years I finally found a lower paying job and tried to get a modification but did not qualify. However, in the process I found many inconsistencies in the information that Bank of America provided. On XXXX I sent a dispute letter asking for validation of the debt. I never received a validation from Bank of America. 
On XX/XX/XXXX, two months later after they received my dispute letter a law suit was initiated, DOC # XXXX. Thereby, not conforming to " conditions precedence '', I have received separate statements from Bank of America in which they stated that they were the creditor, the debt collector and the servicer. 
I also received printout records that evidenced that the debt was purchased while the account was in default which is a violation of FDCPA XXXX XXXX XXXX. 
According to XXXX I.D Min # XXXX XXXX it states that Bank of America is the servicer and XXXX XXXX is the investor, which shows that Bank of America is in violation of the FDCPA 15 USC 1692 E. 
They have failed to show information proving verification. The assignment given as proof of their ownership is riddle with names which have been shown to be ROB0 signers. XXXX XXXX, XXXX XXXX, XXXX XXXX, they have been publicly verified as ROBO signers. As this information has been submitted to the court evidencing XXXX distinctly different signatures for each name. Therefore, this unknown debt collector refuse to make full disclosure of information requested through discovery! 
It is my belief that all such information was fraudulently produced. Such fraudulent behavior has already been ruled Res judacata by the Consumer Financial Protection Bureau. ( CFPB ) I am exercising my private right of action in accord with the Supreme Court ruling of XXXX vs Countrywide, and thus rescinding with damages because of such attempts to defraud! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: DC
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 was mislead with the contact and start of my loan. I was provided a quote over the phone while completing the application online. When I submitted the application, the interest loan amount increased over 1 % from what the call center mentioned on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I got an email with a credit report alert. I logged in to XXXX XXXX and it showed a collection had been turned in saying I owed. It lowered my score and upset me badly! I knew I pd this so I looked at my credit card summary to be certain, and it had pd it. It was in XXXX. I called central XXXX and left a message. They called me and appologized saying they did n't know how that got sent out! I told her I 've always had excellent credit and was very upset. She assured me she would contact the agency and get it taken care of. It 's still on my report after 3 weeks. I am in the process of purchasing a new vehicle and this error is affecting my interest rate! Due to XXXX I am going through a lot of emotional and physical issues and I do not need this added to this. My credit standing is very important to me. Please help me get this fixed so my score goes back up into the XXXX! Thank you and have a blesse da! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XX/XX/XXXX we got a payoff figure from Navient for our son 's XXXX student loans and sent that amount to pay off the loans. First they applied all the money to XXXX loan giving it a negative balance of thousands of dollars while the other XXXX loans went unpaid. After calling they took that balance and paid it on the other loan but not as a payoff. They made monthly payments with it, paying the loan up through XX/XX/XXXX and telling us the next payment was owed at that time! This type of action continued for months. Despite our calling ( each time talking to different people who said they would fix it ) nothing happened and we continued to get bills. Finally my husband sat down with the manager of our bank and called. She knew the amount that was paid and all information concerning the check. She demanded to talk to the accounting department ( something we had not been permitted to do ). After 20 minutes they admitted to her that our loan was indeed paid off. After months, we even got a check for a reimbursement for overpaying. Six months later the bills started coming again. For the last year we have gotten weekly bills. Now we ( and our son ) get MANY phone calls as well. Six to eight calls a day to be exact. Starting at XXXX and going through the evening. We explain to the caller, ask for a print out of our last three years of transactions, get confirmation that will happen and then never receive such a print out. We are at the point of suing this company for harassment. We just found out about this website and hope you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: NJ
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:
Hello, my name is XXXX I have since graduated from college in XXXX and I have accumulated XXXX federal and private loans mostly in private in loans. I graduated with a degree in XXXX and never got a job in my field, which was highly upsetting to me, but that 's not the issue. The issue is that Navient sold my debt to XXXX XXXX which is a debt collection company, I highly do n't trust, their website is just a simple enter your credit card and continue and they are even more impossible on the phone. According to my navient records I have XXXX loans with payments over XXXX in late fees which are ridiculous, which are XXXX of the entire loan itself. I have recently started making payments on these loans, but I know there is going to be an issue down the line with my credit on buying a car or a home and I ca n't have this over my conscience. I live at home at XXXX years of age only making XXXX after taxes working XXXX hours a week. How am I supposed to save any money when I have XXXX debt over my head. It 's frustrating and sad, and I just want it resolved. When I called Navient, to try and get everything taken care of again, they said that the debt collectors handle everything and took no responsibility for any help. It 's a private loan and no debt consolidation companies can handle that, which makes it even worse. I do n't know what to do anymore. Navient also showed that my loans for federal were paid off, and that was a lie as well, instead I called the federal student loan people and I have XXXX loans in default, and they garnished my tax return last year and I do n't want that to happen this year. I just want to be debt free, or at least a strongly reduced debt that I was manage and pay off like a credit card debt. I do n't want say I 'm a XXXX ( born in XXXX ) and that I expect everything handed to me, I do not. I work so much that I do n't have any time for myself and just want justice for me and everyone who has been screwed and harassed by XXXX XXXX, Navient, XXXX. I really hope the CFPB follows through, that we get justice, and that XXXX/whoever runs a cleaner company and makes money the right way, by working and helping a customer, rather than robbing them and destroying their credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have SEVERAL unauthorized credit inquires showing on my credit report. I have disputed these inquiries twice with XXXX, Equifax, and XXXX and received a letter stating that they would have to remain on my credit report because they are under 2years old. As a result of one of my last phone conversations with XXXX, a 90 day fraud alert was place on my report with all three bureaus. I am in NO way liable for these inquiries and would like for them to be removed. I did not authorize all of these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I received a letter from " Bank of America '' stating as follows : " After a careful review, we 've made a decision to close your account above ''. This was a total surprise for me. 
I have had XXXX accounts with Bank of America for over 10 years ; XXXX business accounts, XXXX saving accounts and XXXX personal checking accounts. 
I called the bank to find out what it was ; I received nothing but rude answers that the bank has the right to close the account. I called the back office business support ; they said they had no idea why it happened. My accounts were never overdrawn, I never wrote a bad check, I kept a total balance that was for the most time at XXXX figures. I have a perfect credit with recent score of over XXXX. 
I can only conclude that my information ( and others ) at the bank was compromised, and the bank in order to avoid any liability asks to close the account. Or alternatively, the type of accounts that as agreed pays almost no fees may not profitable to the bank. I can not find any other conceivable reason. 
I am seeking help to force the bank to give me the reason for the closure of my accounts. 
Upon search on the internet, I found out that there numerous people with similar situation, where Bank of America took the liberty to close their accounts without a given reason. 
I am open to show all my bank statements, with all transactions, and all supporting documents for any underlying transactions that took place in my account. 
I think this issue should be presented to all State authorities that regulate banks in my case the State of Florida, as well as government agencies. 
Thanks

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