BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-08
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/15, I submitted a complaint letter to Suntrust Bank concerning incorrect information provided by XXXX as my credit data for consideration of a credit card offered by Suntrust. On XXXX/XXXX/15, I sent a letter to XXXX concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both SunTrust and XXXX. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I noticed these accounts reported on my Credit File which are completely unknown to me. Upon further research, I came to a conclusion that these accounts were the result of an Identity Theft. I don't know how the theft took place neither did I received any benefits resulting from the theft of my Identity. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an Id Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Opened : XX/XX/2006 Balance : {$350000.00}.

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 non-monetary relief
Consumer complaint received 2016-08-11
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an alert on my credit report XXXX/XXXX/2016 that Central Financial control placed on account on my credit report. However I have no received any information regarding this alleged debt. I 'm not sure what it is even for. The collection did not follow the proper procedures for the FRCA regarding notification before placing the item on the credit report. Texas Attorney general will also be notified in this matter.

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 2016-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called Bank of America to cancel XXXX ( XXXX ) credit cards with XXXX balances and I was continuously transferred for 20+ minutes before someone actually canceled my cards. They try to transfer costumers over and over again in hopes that they hang up. I 'm 99 % sure that Bank of America might be the worst organization in the world.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
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 decrease my monthly payments

Complaint:
I have both federal and private loans. I was n't able to complete the program for which I initially got the loans and now the payments are way too high. I just ca n't afford them. Navient has been unwilling to work with me. I 've been told many times that there 's nothing more they can do for me. I am the parent of a special needs child. He requires round the clock care and I can no longer work the hours I used to work. Navient does n't seem to care about this at all. I have heard that the Fed will be forgiving student loans for disabled/special needs students. I think they should also forgive loans to parents of special needs children who 's children put a significant time and financial strain on the family. I should n't be required to decide whether or not this month my student loans will get paid, OR my son will have the medical attention and care he needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient has made it hard to repay my loans due to the large re payment amount. When calling to get a better repayment schedule none available. Which is why Im force to postpone payment due to forebearance. Their has to be a better system in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have attempted to contact Bank of America multiple times in regards to my XXXX card they have my account locked and it has been in the status for many months now they keep referring me out to the bank which I have already been and no change to the account still They have sent me a letter indicating that a prior claim dispute was denied or closed and now has been evaluated and reopened on their end that I need to contact them at the number provided on the letter in order for them to authenticate my identification over the phone however when calling they refuse to honor the letter and say that on there and theres no letter being sent out according to notation however I have a copy of this letter which I will provide

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 2022-04-19
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:
In accordance with the Fair Credit Reporting Act US Postal Service XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Spoke with XXXX XXXX at Texas Guaranteed and someone in the compliance department who refuses to work with me in getting my loans resolved. They are forcing me to stay in garnishment, giving me inconsistent information and very very rude. I would like for them to no longer service my loans, remove my garnishment. This is the worst customer service experience I have had to deal with. Although I owe money, it does not give them the right to hang up on me when I am trying to find a solution for myself and help myself out of this XXXX situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal insisted on charging nonrefundable fees paid to third parties prior to the 3-day rescission period. The lender thereafter terminated the transaction and has not provided a refund of all fees including those paid to third parties in violation of Regulation-Z. Even though I explained to Navy Federal repeatedly that the seasoning application criteria being applied to me to secure the denial could not apply, I have been notified that the file has already been decisioned and I would need to file another application and take additional credit inquiry at additional cost. Because Navy Federal has not provided a refund of all fees for canceling the transaction, I believe Navy Federal is acting in bad faith. Causing applicants believe all fees are not refundable if the transaction is canceled by the lender or rescinded by the applicant within the 3-day period is not supported. Navy Federal repeatedly insisted on paying fees when it appears it had no intention of honoring the application. Also, Navy Federal made it appear that they wanted more information to further the current application on XX/XX/2022. Shortly thereafter it is clearly apparent that Navy Federal is merely gathering evidence in bad faith to better explain and justify itself before CFPB for complaints # XXXX and # XXXX involving this application. Navy Federal has also suddenly begun to divert the applicant away from his VA backed benefit and has suggested he to reapply or to make applications for other loan products less beneficial to XXXX veterans. NFCU to directed me to explain among many other things in bad faith, that I was no longer experiencing a hardship in a letter but used the fact that I received credit suppression protection as the sole reason to deny the application considering me as an undue credit risk applying seasoning improperly. I was led to believe verbally over the phone that I could provide further evidence or a letter from the current lender to overturn the underwriters denial decision on XX/XX/2022. After providing it the evidence is being misinterpreted in bad faith to preemptively justify the denial before the CFPB. Specifically, regularly scheduled contracted consecutive payments are being misidentified by the lender to add insult to injury. As of XX/XX/2022 the stance is that a decision has already been made and the evidence is being gathered to support some future application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-26
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Im not able to open an account due to a check I had no idea about. I was young and not thinking about why I would receive a check in the mail. I placed the check in my account and I waited three days like the teller told me before I could remove any funds. After three days I went to the bank to find out that the account was onhold/closed due to a fake check. Ive been trying to resolve this problem for the longest time. I had to cancel my direct deposit and wait for the money that was in the account already to be released to me by check in mail. I currently have a prepaid card that Ive been using since then. Im working on building my credit and hopefully will be buying a house. I cant do any of this if this matter is not resolved. I ask that it be removed off my credit and that I have a second chance. I call XXXX and had the report mailed to me so that I could find out why I cant get an account in my name. I filed bankruptcy in XXXX 2012 it was discharged in XXXX 2012. I believe this was included as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not XXXX XXXX the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$580.00}. 
XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$66.00}

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 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX 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 2015-07-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a co-signer for XXXX student loans for my daughter approx. XXXX years ago. I have paid on them when my daughter was unemployed for a few months and when she was employed, she took it over along with her other student loans that I am not named on. She went back to school and received her XXXX degree and was under-employed for a year and could n't pay it. These were private XXXX XXXX loans that subsequently went to navient to collect. My daughter tried to negotiate a lower price so she could continue paying on the loans, but that was denied and late fees and harassment have followed. As of XX/XX/2014- they turned to me on the cosigned loans. I began paying them and found that the money I paid was going to whatever loan she had that was the furthest behind and therefore my credit started getting hit and I received notices from XXXX credit card companies cancelling them because of my newly destroyed credit rating. I am XXXX and have had excellent credit until Navient hit. I have looked at my account and found nothing that correlates with the payments I have made. In addition, the amount I owe on any given day changes drastically and what is on the internet account is something entirely different. I am living on social security that is not enough to pay my bills and my ability to pay all these different amounts they throw at me. Why is there no one who can help? I am going to make a payment in a few minutes that I have no idea where it will go. Can you please help with this? The XXXX XXXX XXXX was taken out for XXXX XXXX College in XXXX, Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
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:
Navient- Numerous times I have to tell Navient how to apply my extra payments. The misplace my extra funds to make it look like I skip a payment and I still get accrued interest on the past interest and the principal amount. The principal amount is full of accrued interest that will never get paid off based on how they tackle the payment. I will never get to the point where I will never pay off with interest accruing over the payment amount. I tried to do income base since I started w navient and ever got approved. I pay the amount and there is always more interest even being on the interest only plan and then getting on regular payment plan there is still more interest than what goes to principal and interest so the extra interest gets tagged onto the principal of the loan. makes no sense I will be forever paying interest even w the princiapal. Ive been paying for 10 years and still have 20 years left. my loan balance original amount is already 4 times the amount with making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
Im trying to update an account on my credit report to show an auto loan Ive been paying on is being reflected the amounts Im still paying and have being paying on is correct. I supplied the statement and payment history directly from the leinholder when I refinanced my vehicle loan to show the amounts as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: AL
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:
I have submitted disputes to you and didn't get a response within 30 days as required by law to do so. Please investigate my reports please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: KY
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:
Have been paying on this loan for several years with little to no effect on balance, often pay extra. Bills do not come in regularly and when they do arrive the amount due is different. Have tried many times to contact this lender, as to let my wife be able to handle questions in my absence, to no availe. Furthermore, have been told that this is a federal loan and also that it is n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: LA
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:
This account needs to be removed immediately XXXX XXXX Should not have any information on my credit account From XXXX I need proof and valid information this is not my account remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: LEXISNEXIS
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: Credit inquiries on your report that you don't recognize

Complaint:
I want the inquiries gone. I have an extensive and well maintained credit history, with plenty of income and I cant get approved for a XXXX thing!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this request because I have been ignored by TransUnion XXXX XXXX, XXXX. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified with accuracy, that I disputed. Please resolve this matter as soon as possible. I have been dealing with this matter for months!

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