BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 with the Fair Credit Reporting act. The List of below Inquiries has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I needed to borrow money via private loans to pay for college. I feel that the banks should have a fiduciary duty to explain what the repayment terms will be and also to better evaluate whether or not the student will be able to repay the loans. I am now in a position where I am really struggling to repay my student loans to Citizens Bank. I work XXXX jobs ( over 80 hours per week ) in order to keep up with my monthly payments and I still struggle. The reason I went to college was to enrich my life and my financial future, not to become a slave to my student debt which is exactly what has happened. I feel that Citizens bank should have never approved the amount of money that they lent to me while attending school, and at the very least they should have at least told me what my payment would be when paying off the loan. I felt they took advantage of me because I was nave and young and simply thought that this is what everyone did in order to pay for school. I have about XXXX in debt with citizens bank and I am experiencing a huge amount of stress and anxiety over my student loan payments. XXXX The amount owed to citizens is in addition to my federal loans, which seem to be much more reasonable ) I work so much that I feel that my health is jeopardized as I work from XXXX at my day job and often until XXXX XXXX 4-5 nights per week. 

Citizens bank is not willing to extend my repayment term or lower my interest rates which could really help me to pay this off at a much more comfortable rate. They took advantage of a young college student, and I do n't know where to turn for help. I ca n't keep working as much as I do. I hope the CFPB can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Webster bank takes overdraft fees after XXXX electronic transfers were taken out after i purchased a book they took the money out again This has happened numerous times. These are not over drafted checks they are electronic transfers ' according to dood franks act you can not be charged for anyone under XXXX dollars they did this numerous times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
An over payment of approximately {$1100.00} was made to XXXX on XXXX XXXX XX/XX/2015 as final payment on a mortgage. Citizens claimed to have sent a refund of that check to my home address for that amount within 10 days of receipt of the over payment. I did not receive it. I called to request a new check. Citizen 's customer support advised that a new payment would be sent out. By XXXX XXXX, I had not received a check. I called again and was told to send a request for a new payment in writing to Citizens Bank NA, XXXX XXXX XXXX. XXXX in XXXX, RI. I did so on XXXX/XXXX/XX/XX/2015 by means of both fax and XXXX post. On or about XXXX XXXX I followed with a phone call to Customer service and was advised that my request followed too closely to the matter of the previously mailed check, but that that Customer Service representative put in a special request to have a check sent out during our phone call. He advised that I call back to confirm the action had taken place and get further information as to when to expect the check. I called back again on XXXX XXXX. I was advised by Customer Service that no change had been processed and no check had been reissued. I was directed to call back again within 3 days. This issue has wasted my time and I am still without my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Big Picture Loans, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
There is n't a topic above that addresses my complaint. 
I have an installment loan from Big Picture Loans. 
They are owned by an XXXX XXXX in Michigan. 
I took out a loan for {$1000.00}. They take {$250.00} out of your b bank every other week. And none of it is applied to interest! 
They 'd make the XXXX blush. 
Do yourself a favor and stay far away from these slimy crooks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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. 

In accordance with the Fair Credit Reporting Act 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 In accordance with the Fair Credit Reporting Act 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 In accordance with the Fair Credit Reporting Act 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 In accordance with the Fair Credit Reporting Act 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 In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX US. DEPT. OF EDUCATION has violated my rights. 
15 U.S.C 1681 Section 602 A states I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been trying to get a forbearance or deferment for over a year and I am continuously denied. I am working but I dont make a lot of money and I have medical bills from being XXXX and having XXXX XXXX. Navi ent is not willing to work with me. I have also tried to lower my payments and seek loan forgiveness as a NJ XXXX employee for the past eleven years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Colony Brands, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i did order 3 totes from the company but I never recieved them. I keep getting phone calls and when i called they said it would be took care of. I am not paying for merdinscise i never recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Navient Solutions, LLC.
State: GA
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:
As a co-signor, I am authorized on my son 's account. We had XXXX Private Student Loans with XXXX XXXX. XXXX loans were combined as a Group on XXXX invoice and we always sent XXXX payment that was pro-rated between the loans. But after the loans were transferred to Navient, NO PAYMENT made in 2015 has ever been posted properly. 

I called Navient in XXXX and again in XXXX to ask that the account be fixed, but nothing ever happened. So in XXXX 2015, I wrote a letter with very detailed Excel spreadsheet attached showing how payments Were vs.Should Have Been applied. 

Instead of correcting the mess, Navient replied that our accounts are in XXXX Standing and that if we suspect that payments have n't been applied appropriately, then please contact them!!!! It 's insanity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Westlake Services, LLC
State: TX
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:
NowCom/Westlake Financial have accessed my consumer report without my authorization. Unauthorized use of a consumer report is unlawful and is identity theft. I never gave them permission to access my consumer report I have never heard of this company. I never gave written or oral permission to obtain my credit report. Please delete this inquiry immediately. 
This inquiry occurred on XX/XX/2022. 
My name is XXXX XXXX Last 4 of my social security number is : 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 2022-04-20
Company: Nelnet, Inc.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I dont have specific dates but a while back I submitted a reamortization request for my loan at Firstmark Services because I paid extra toward my principle. The monthly payment wasnt lowered as much as I thought it would be based on my calculations so I asked to see the paperwork for their calculations about 3 weeks ago. They said they could do this but around a week went by and I got nothing so I called back. They said that the request had been denied for an unknown reason so they submitted another request. Maybe around a week later I followed up because I still hadnt heard anything. They said the department was backed up because of the looming tax deadline and suggested I call back today if I hadnt gotten a response. This made sense to me so I obliged. Still havent gotten anything as of today so called and the loan advisor told me that I had to reach out directly to the customer service department. So I just did that XXXX minutes ago but Im doubtful Ill get the help I need based on my past interactions. Its a simple request and it feels like Im just getting bounced around. Seems like they are up to something sketchy. I know they make less money when I prepay which is why I think this. In the meantime while I am waiting for this paperwork my interest continues to pile up day after day. I have been holding off making another large payment toward my principle until I get this paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by a Law Firm ( XXXX XXXX ) in regards to a debt owed to Capital One Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a Capitol One Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted Capitol One Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Movement Mortgage LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our property is in the footprint of the XXXX XXXX and suffered some infrastructure damage. Our insurance company has been issuing claim payment to us and our lender so we need to send the payments to our lender to sign and forward to us. The last 2 checks of {$150000.00} and {$44000.00} have been held by the lender since XX/XX/XXXX. I have been requesting release of our funds. {$130000.00} of these funds is allocated to personal property and cabins/sheds built with cash after the mortgage was taken out and they will not even release those funds. I have requested an inspection to show the rehabing we have been doing on XX/XX/XXXX and still have not heard anything back from them. The lender said if we got an AS IS appraisal they would use that to justify releasing our funds. We completed that and they received it on XX/XX/XXXX. Our loan is for {$360000.00} abd the property appraised for {$850000.00} even in the current state of disrepair. They still have not released my funds and state someone in compliance has to make an approval. They have said this since XX/XX/XXXX. My sister is a lender and recommended I ask for your assistance. We will be receiving additional claims funds from our insurance company and expect this to keep happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was ask by a store employee to open a kohls department credit card and they have really been difficult to deal with they harrased me when it came to pay my payments and i was not allowed to return the items that i purchased back on my credit card and they also gave me instore credit instead of putting the return items on the card and when i return something they gave me less and i was upset about this some of the items are really cool. They also had issues with pricing the items. alot of my payments i made on due date and they would say it was not on time and then they try to put me in some hardship program which really did not help the consumer at all and you were receiving late fees and other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dated XX/XX/2022, reduced amount $ XXXXThe debt is not accurate. The company did not send verification of debt. Resent collection statement months later. Dated XX/XX/2022, reduced amount {$5900.00}

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 2022-04-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXXK XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I HIRED A MOVING COMPANY IN MA TO PICK UP AND DELIVER SOME OFFICE FURNITURE IN ME. THEY SENT ME AN AGREEMENT VIA EMAIL TO SEE IF IT LOOKS GOOD I REPLIED YES. THE ESTIMATE WAS FOR OVER XXXX AND I GAVE PERMISSION TO CHARGE ME XXXX FOR THE INITIAL DEPOSIT AND UPON DELIVERY I WOULD GIVE THEM CASH IN HAND FOR THE REMAINING BALANCE. THE MOVING COMPANY WAS ONLY AN HOUR AWAY FROM THE LOCATION OF PICK UP. THEY WERE ONLY THERE FOR 30MIN AND DETERMINED THEY COULD NOT TAKE THE OFFICE CUBICLES APART BECAUSE THEY WERE CUSTOM MADE ONSITE SO THE GIRL CALLED ME AND WE AGREED TO JUST KEEP THE DEPOSIT. LATER THAT DAY I WAS CHARGED XXXX ON MY DEBIT CARD FROM THEM AND I CALLED AND EMAILED THEM AND THEY WOULD NOT REPLY. I FILED A CLAIM WITH BANK OF AMERICA AND 45 DAYS LATER THEY GAVE THE MERCHANT BACK THE MONEY. BOA SENT ME LAST MINUTE SUPPOSEDLY SIGNATURES SIGNED BY ME IN ANOTHER STATE AND TOLD ME BECAUSE IT WAS SIGNED THEY HAD TO PAY THE MERCHANT. I NEVER AUTHORIZED ANYONE IN ANOTHER STATE TO SIGN ON MY BEHALF, THE MOVING COMPANY EVEN ADMITTED THAT THEY HAD IT SIGNED BY SOMEONE ELSE WHICH WAS NOT TRUE. BOA PAYED THEM MORE THAN WHAT THE APPROXIMATELY EST WAS. I NEVER RECEIVED THE MERCHANDISE. I ASK BOA TO LOOK AT MY SIGNATURE CARD IT DOES NOT MATCH AT ALL, THEY PROMISED TO EXPEDITE IT AND THAT THEY WERE NOT GOING TO TAKE ANY MONEY OUT OF MY ACCOUNT BECAUSE IT WAS EXPEDITED AND THE NEXT MORNING THEY STILL DID. I WANT MY MONEY BACK IN THE ACCOUNT AND BECAUSE OF THIS FRUSTRATION I HAD TO GO WITH ANOTHER BANK COMPANY AND TRANSFER EVERYTHING AND ORDER ALL NEW CHECKS FOR MY BUSINESS ETC. I HAVE NEVER MET A BANK THAT DID N'T GO TO BAT FOR THERE CLIENT AND OVER THE PAST 3 YEARS I HAVE PUT XXXX OF DOLLARS THROUGH THERE BANK. IF I DO N'T GET COMPENSATED FOR MY PAIN AND SUFFERING AND GET MY MONEY BACK AND HAVE ACTION TAKEN AGAINST THIS MOVING COMPANY I WILL GO TO THE XXXX XXXX, I WILL FILE A LAWSUIT AND I WILL FILE A COMPLAINT WITH Senator XXXX XXXX. I CAN BE REACHED AT 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 monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NJ
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out and disputed inaccurate information that is reporting on my credit report with XXXX for the last 6 months, a bankruptcy. 

I have reached out to XXXX via telephone on multiple occasions to get this resolved with no success. 

Every representative at XXXX, XXXX website, and LexisNexis website says they receive Bankruptcy information from LexisNexis. 

I have received documents from LexisNexis regarding this bankruptcy that XXXX has reported. This Bankruptcy is not reporting on my LexisNexis and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an XXXX representative, they mentioned the information is coming from LexisNexis. I have also reached out to LexisNexis and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and LexisNexis. I have supplied these documents multiple times to XXXX. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, XXXX sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against XXXX XXXX LexisNexis due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if XXXX does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents XXXX has been requesting to remove this and I attached LexisNexis website as well.

Company response to consumer: Closed with explanation