BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
On or about XX/XX/2016 I contacted my student loan servicer, Navient and requested the following information be mailed to me : 1 ) Copies of my XXXX promissory notes ( aka copies of ALL original loan paperwork ) 2 ) XXXX schedules for each of my loans detailing the following balances/payment applications/account status on a monthly basis : a ) Beginning monthly balance ( starting with each loans origination date ) b ) Payments - including amount of payment applied to interest and principle each month c ) Interest charged each month d ) Ending monthly balance XXXX ) Loan status each month ( forebearance, current, etc. ) I was told I would receive all original loan paperwork, promissory notes, within 30 days. I never received this paperwork. 
I was also told they were not able to provide me with XXXX account details as they only retain such information for six or eight years. Given the recent news of Navients big fine for illegally appling payments, I now understand why I they did not provide me with this detail. 
I now ask for your help to compel Navient to supply me with this information timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a purchase on XXXX/XXXX/15 that was cleared on XXXX/XXXX/15. The bank reconciled my account one week later for a purchase that has already cleared and in the process, funds from my account in the amount {$2.00} are missing and subsequently caused my account to overdraft XXXX. When I saw the mistake that had taken place I called the company to request an investigation into my account to inquire why my purchases were reconciled after they had cleared an spoke with XXXX who informed me, before she even understood my complaint, that there is n't anything she could do to assist me. I then requested a supervisor and spoke with XXXX, employee ID # XXXX, from a New York call center. She informed me that she could not help me and there was not a department that she could transfer me to that could assist me as well. She informed me that she was a manager and there was not someone over her that I would be able to speak with. She told me that none of her managers spoke with clients. This ordeal is causing me a great deal of stress as I have recently lost my job and can not afford fees that I did not inquire. The supervisor insisted on telling me what she was seeing although I informed her that the information in the system is incorrect. Online banking is the only tool BoA clients have to keep up with their funds and with your supervisors telling us that the system is constantly incorrect and that we should not be using it as a way to keep track of our funds is unacceptable. I called XXXX and the call lasted XXXX minutes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been diligently paying my student l oan ( s )  ; {$5800.00} & {$17000.00} since  XXXX   XXXX  to  XXXX   XXXX , then Navient ( #  XXXX  ) took over said I missed a payment in  XXXX   XXXX  which I believed was misapplied and confirmed as I have a letter from Navient dated  XXXX / XXXX / XXXX  stating " my loan is current and in good standing ''.   I requested a  XXXX  Account  Manager  call me last week  XXXX / XXXX / XXXX , after paying on-line and being charged a late fee and I questioned the balance has not gone down in 12 years. I was read information from my account file today  XXXX / XXXX / XXXX  by  XXXX , Supervisor which I stated was not true to include the amount owed since I keep  getting 6-8 phone calls each day. The Navient Supervisor would not let me speak as I had a witness to this call  documenting the false/erroneous information being read to me by  XXXX , who abruptly hung-up without letting me articulate further. I also applied for loan forgiveness in  XXXX  under the law for the period of   XXXX   XXXX    XXXX   (   XXXX   )  in m y SSA Noti ce of Award dated  XXXX / XXXX / XXXX  after being injured in the line-of-duty as  a Public Safety Officer. Instead, I was placed in forbearance, explained I was not eligible, and placed in an Income Based Repayment Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I did not authorize nor complete these transactions : 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 explanation
Consumer complaint received 2015-10-26
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX I wrote to TransUnion to complain that they were inaccurately reporting the age of my credit history, specifically the age of my XXXX XXXX credit card account XXXX formerly an XXXX Bank XXXX account until XXXX bought Bank XXXX ). I received a response today which addressed only the history of my XXXX XXXX account, which was not in dispute. I then called TransUnion to try to provide additional information, specifically that I could prove that the XXXX credit account had been open for at least 11 years, and probably longer. ( I am waiting for verification from XXXX as to the exact date, but I have statements dating back to XX/XX/XXXX ) I spoke to a customer service representative named XXXX, who told me that while I had had several XXXX accounts over the years, each XXXX had been closed at my request. I told him that that information was incorrect, and reiterated what I had written earlier : '' The problem appears to originate with the fact that XXXX assigns a new account number at least every three years. XXXX XXXX probably does as well. In recent years, new XXXX account numbers have been assigned with even more frequency after hacking breaches were discovered at stores such as Target and Home Depot. I have no control over such account number reassignments, but it has always been the same account. 
I realize that this request may be of little importance to TransUnion. But I am annoyed by the fact that, after a lifetime of prudent financial management, my credit score is n't perfect. Would you please, therefore, take steps to correct your records? " XXXX response was far from satisfactory, even after I went into greater detail as to how, even when the account numbers were changed, pending charges and my XXXX rewards credits were carried forward to the new account number. He emphatically stated again that I had closed each account, and that TransUnion would do nothing to further investigate the matter. 

Other than frustration at not being able to change my score to a near-perfect rating ( according to XXXX, my TransUnion score as of today is XXXX ), this problem does not have any particularly negative impact upon me. But XXXX people who apply for car loans, mortgages and credit cards have their interest rates determined in large part by their credit ratings. It strikes me that credit reporting agencies such as TransUnion may very well be colluding with banks to intentionally lower credit scores in order that banks can justify the imposition of higher interest rates. 

Thank you for any help you may be able to offer concerning this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.

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 2022-10-28
Company: EQUIFAX, INC.
State: AL
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:
In accordance to the Fair credit Reporting Act. This list if accounts have violated my federally protected consumer rights. 
Inquiries below have violated my rights XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Accounts below have violated my rights XXXX XXXX account number XXXX XXXX amount XXXX XXXX XXXX XXXX  account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX  account XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX AMOUNT XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 SECTION 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Sunset Solutions Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Called looking for a former employee. Automated teller claimed employee is being charged with multiple legal infractions brought about by the courts ; person then picked up claiming to represent the " local court system '' finally got the company name and told them to stop calling me.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance to the Fair credit Reporting Act. This list if accounts have violated my federally protected consumer rights. 
Inquiries below have violated my rights XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Accounts below have violated my rights XXXX XXXX account number XXXX XXXX amount XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX account XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX AMOUNT XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 SECTION 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

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 2019-05-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The company claims verification of an item on my credit report. I sent letter on XX/XX/19 requesting they provide documentation associated with the account, bearing my signature. I also requested name, address and phone number of each person who personally verified the account. I do not agree to XXXX or any means of automated verification. I am requesting description of procedure to determine accuracy in compliance with The Fair Credit Reporting Act. Also, states item was reported by US Bankruptcy court. The US Bankruptcy court does not report to credit bureaus. I formally request that this information be immediately deleted form the file you maintain under my social security number. I have not received an answer to date of filing this complaint.

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 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a business checking account with Bank of America. My ATM cards magnetic strip apparently wore out, because XXXX ATM machines at the branch had trouble reading it. After repeated attempts at the XXXX ATM 's I was finally able to perform my transaction. I logged into my account to request another card, and it said a fee would be charged for cases like lost cards, which makes sense, but it did n't clearly say if a fee would be charged if a card wears out. I then went into the branch and told the representative that my card was n't working and I need a new XXXX, but was not willing to pay a fee. She then typed on the computer and told me a new card would be mailed, and said nothing about a fee. XXXX days later ( this morning ) I log into my account and see they charged {$5.00} for the new card. This is absolutely unacceptable to charge someone a fee without telling them, especially when they are standing in front of the employee telling them they are not willing to pay a fee. Obviously I 'm furious, because had she told me there would be a fee I would have said do n't order a new card. I 've had multiple problems with BOA and this will probably be the final straw that makes me close my account. I will be going back to the branch today to tell them I want the charge refunded, but no matter the outcome I am filing this complaint for their deceptive and unethical business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 I transferred money from Bank of America to Bank of America XXXX XXXX to create a XXXX Savings Account. A mistake on their part led to the account being canceled. Despite repeated calls to BOA XXXX Accounts, a visit to my local BOA branch and assurances that my money would be returned, I can not get Bank of America to return my 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 2015-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Other fee

Complaint:
I am being assessed a foreign transaction fee at Bank of America for the privilege of paying a bill to a company that is based in the XXXX but where the money is being paid to an account here in the United States. Whom do we talk to about protesting this fee?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17
Company: Stellar Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
theres tons of credit cards on my account that are not me i dont know who has my information and i dont know how to go about this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
take the excessive hard inquiries from XXXX XXXX 2015 off credit report. only XXXX authorized was XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
We received a letter from Honda that said they would waive up to 3 remaining lease payments if we lease a new Honda. In XXXX 2016, my daughter and I went to the Honda dealership and worked through finding an AWD CRV to lease, which took time. The dealership was able to get a AWD CRV XX/XX/2016 and we leased the new vehicle. So, we returned the leased vehicle ( Civic ) to the dealership with my letter ( attached ) on the same day we leased the new vehicle. Everything went well with the return except they did not honor the waiver of the last 3 payments, Honda only waived two payments. When I called they said it was because the XXXX 2016 payment was delinquent ; however, this is the time we were working with the dealership to get a new leased vehicle and the letter does not reflect this would be a concern and I would have never let it go 30 days as my payments are due on the XXXX of the month. I believe the letter is deceptive because it does not mention about delinquency despite the fact that I was working with the dealership to get a new leased vehicle and I have always been current on my account and been a loyal and long Honda customer. The Honda Finance representative said she could do nothing to help me. So I had no choice but to pay the last payment and dispute this deceptive and frustrating situation. I also confirmed at the dealership with Honda Finance that my account was not delinquent and received a confirmation letter from Honda Finance ( see attached ), so none of my payments on this account has ever been late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-14
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This has been an on going problem for over a year. I received a call from a XXXX XXXX who claims to represents Allied Interstate XXXX XXXX his contact number is XXXX XXXX XXXX. XXXX is trying to allegedly collect a out of state family members, debt that I have no knowledge of nor am I cosigner for this family member who I have no contact with. The phone calls are continuously coming at all time of the day and night.

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 2016-08-05
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
As this is the only soapbox I can use to complain about the credit monitoring services I wish to complain over and over again until this system is fixed or got rid of. I came to this country as an XXXX 30 yrs ago. I worked, paid taxes all this time and paid my debts. I decided to go back to school at the age of XXXX. I applied for a XXXX plus loan. I was denied. I was never given the specific reason for the denial. but it could have been one of the four following. A collection account, a tax lien. I was denied a job in XXXX because of XXXX. I actually paid off the IRS tax lien. I was denied a job by XXXX in XXXX because of the tax lien. I paid off the tax lien in XXXX, 2016. You would think I had bells and whistles and chocolate but no. I have been going back and forth with XXXX I wonder at using XXXX anyhow to determine whether or not I should be able to get an education. In 30 years I have never been given a perfect credit score. Ever. I had a {$100000.00} mortgage until XXXX decided to put me into eleven years of litigation and they graciously let me have a {$300000.00} mortgage which is ridiculous at this stage of my life. I am not the only person in the US who suffered through the Great Recession that has decimated the XXXX and over population. The tattle-tale credit reporting system needs to be overhauled. I strongly suspect that only while middle-age males get perfect credit. I think women, immigrants, of any ethnicity, XXXX and XXXX probably never get good credit ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since I changed my phone number, I have recieved non-stop calls from " Honda Financial Services, '' despite repeated, repeated ( no less than 6 times ) attempts to tell them that I am not the person that owned the debt. After trying to communicate to them multiple times that they have the wrong number, I attempted to discourage their calls by ignoring them, hoping that they might think this number is defunct. I have 38 calls from them in the last month and a half. Please get them to stop.

Company response to consumer: Closed with explanation