BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$480.00} XXXX   XXXX {$12000.00} XXXX  XXXX {$69.00} XXXX XXXX {$800.00} XXXX  XXXX {$69.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX  XXXX-Account Number : XXXX, XXXX XXXX  - Account Number : XXXX, XXXXAccount Number XXXX XXXX, XXXX-Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX-Account Number : XXXX, XXXX XXXX-Account Number : XXXX, XXXX XXXX XXXX XXXX-Account Number : XXXX, XXXX XXXXAccount Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX-Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX- Account NumberXXXX XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX 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

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 2017-01-11
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is another medical debt that was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XXXX of 2015 along with XXXX other debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Navient Solutions, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
A person took out a student loan in my name. This is fraudulent activity. Below is the letter I am sending today : XXXX XXXX, 2016 Navient Attn : Fraud Department XXXX. XXXX XXXX XXXXXXXX XXXX RE : XXXX XXXX Fraudulent Activity Against Me by Navient Dear Fraud Department : Today I was contacted by a Navient representative regarding Account # XXXX with an address as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never lived at this address nor do I know anyone who lives at this address. Remove me immediately from this fraudulent loan. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Im in the process of doing a short sale on my house, to avoid foreclosure.I was given permission from the bank-Bank of America & lt ; to do so.I was told that any correspondence concerning foreclosure would cease, for Im trying & lt ; in good faith, to get the property sold.However, today, I received a notice that the house was to be sold at a sheriff 's sale XX/XX/XXXX.BOA did nothing to cease these notices ; but Im not surprised-Ive been dealing with incompantency & ignorance with BOA & Countrywide for literally years ( 5 years in bankrupcy because Countrywide charged illegal fees & the last almost 3 years trying to get this mortgage straightened out to no avail ) Im fed up & stressed out & am considering a lawsuit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Although I paid my account in a timely manner and have never been late, Comenity Bank closed my XXXX XXXX store account with less than two weeks notice and with no reason at the end of XXXX 2017. It also subsequently negatively reported it to the credit bureaus as 'closed by creditor '. As a result, my credit score was adversely impacted with nearly a 40 point drop through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
For the last year I've been disputing these accounts below with the transunion and they will not investigate it. Even when I try to dispute they say that they can not investigate it. Ive been a victim of identity theft on several occasions. This is becoming problematic. I feel like people are able to run my credit without my permission even though its a fraud alert and even though I submitted a police report. I really wish this system was fair for us all no matter our gender, color, or financial status. Im also including a copy of the police report that was filed when all this first started. 

XXXX XXXX  XX/XX/XXXX XXXX Collection was re entered onto my credit that is an account from XXXX which is well past the 7 years. They was allowed to reared this account. 
XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX   XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXXXXXX XXXX   XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry Bankruptcy XXXX on XX/XX/XXXX Bankruptcy XXXX on XX/XX/XXXX Bankruptcy XXXX on XX/XX/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 2017-11-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXXXXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was a victim of identity theft and have a bunch of fraudulent addresses on my credit report. I keep sending letters for it to be updated by the bureas and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Maa impacted my credit negatively on an account that I have been trying to resolve in person and via E-mail. I did not receive the notices they claim were sent and after I tried to reach out to pay, they were not helpful and instead proceeded to end negative information to credit reporting impacting my credit score by 50 points

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
So I downgraded my card with the promise of the annual fee being reimbursed since I am in Massachusetts. 

I have yet to be reimbursed please look into XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WA
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 applied for an income basedrepayment plan and was approved. I also had learned about the 10 year public service loan forgiveness program, or so I thought. I contacted Navient and spoke with a customer service representative who confirmed that my IBR plan qualified for the loan forgiveness. I continued making regular payments under my IBR plan for approximately 3.5 years before switching employers. Once I had switched employers I attempted to update my IBR payment plan information and again get confirmation on my forgiveness status. I contacted customer service again and was informed that my IBR plan alone did n't qualify me for loan forgiveness and that the 3.5 years of payments were not valid because I had not applied for a consolidation loan. Needless to say I was somewhat devastated when I realized that I had in effect wasted 3.5 years of time. I have since applied and been accepted for a consolidation loan and am under the belief that my current payments are counting towards the goal of XXXX after which I am qualified for loan forgiveness, but I still lost out of over 3 years. I do n't know if this is the type of situation which would qualify for the class action lawsuit but I thought it was worth asking. I thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-04-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is serviced by : PennyMac XXXX. XXXX XXXX XXXX XXXX, CA XXXX I have made on-time monthly payments for the entire term of the loan, including payments for additional equity reduction. PennyMac has incorrectly applied my payments every month, often by applying the additional payment to the following month 's payment ( more than a month before the payment is due ). For the last five months, I have had to call them every month to get them to correct errors in how my payments were applied. PennyMac 's incompetence has hit a new high this week when they sent me a letter stating that my payment was more than 30 days overdue and that my loan was in default. 
I have sent them an e-mail alerting them to their error assuming that will start the reconciliation process. At this time, I do not know if they have reported this false information to credit agencies. 

PennyMac 's practices should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gila Corp have been calling my home number on a daily basis for the past 2 years. They leave automated messages concerning a debt. They do not advise what it is only a number asking me to call them back. I did return their call but I got nowhere. They continue to call which is giving me emotional distress. If I owe someone money they should send me an invoice or statement and if it 's correct I will pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was racially profiled from the beginning of opening the account. I was told I could n't withdraw my funds when they were direct deposited. I was told I could n't get a Debit Card for the account until 90 days of the account being in good standing. 
I made a transaction to purchase a product online and the vendor never supplied the services and refused to give me a refund. Iberia Bank stated they will not Dispute it because the bank does n't trust they will get their money back. I have never been treated this way by any bank, this bank is racially profiling me as a client and on XXXX/XXXX/16 I requested they close out my account.

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 2015-08-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
XXXX UniversityXXXX XXXX, OHLender is Navient ( formerly XXXX XXXX ) I have been fighting for 9 years about a loan because I was not aware of any students loans being private loans. When I was in school, I only used FAFSA and I used loans from XXXX XXXX and XXXX. I was not notified that these were private loans. In fact, all of my loans had to be cosigned because I had no credit. I spoke with them many many times about this loan and explained that I did not request private loans ever. In 2011, my parents filed for bankruptcy and all of the loans that were cosigned by them, were dismissed in their bankruptcy. I no longer have XXXX loans on my credit because of this. Unknowingly, XXXX more loans appeared on my credit and my mom 's credit recently. When we talked to them about it, Navient told us that they were cosigned by my stepdad, who is deceased, and that they have always been loans with them. To my knowledge, these XXXX loans were not my loans nor were they loans my stepdad cosigned for because they would have been put into his bankruptcy and discharged along with the XXXX loans. These loans are now hurting my credit because I ca n't pay them back. I am a XXXX Veteran and am on a fixed budget. My federal loans have been discharged due to my XXXX and I can not get Navient to forgive these loans. They have continued to rack up interest and shows past due because they will not fix it. According to my report, Navient has reported that the loans have been written off or charged off as bad debt but yet the interest continues to rise and past due amount continues to rise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
My credit card account was transferred with no notification from FIA Card Services to XXXX XXXX. I received no notification of this other than receiving a new credit card in the mail. Both the old and new cards have Fidelity Investments printed on the front. The only notification of XXXX XXXX is in tiny print in the bottom left corner on the back of the new card. The new card has a chip so I believed this was just a replacement card for the new chip technology. However, my old credit card was actually canceled when the new card was activated. This caused several scheduled payments to fail. I 'm also not able to log into my old account online. When calling the customer service number for FIA Card Services, a recording states " As a reminder, your account is now being serviced by XXXX XXXX. '' This is NOT a reminder, as I was never notified of the change. FIA Card Services failed their customers in not giving them adequate notification of this change so they could take appropriate action to avoid having the surprise, hassle and cost of failed payments. The CFPB needs to investigate and potentially fine both FIA and XXXX over this consumer fraud.

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 2017-01-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello, I have a student loan through Navient that was consolidate previously from XXXX. As part of my original loan terms I had signed up for a " borrower 's benefits '' which included a 1 % reduction in my interest rate if I paid 36 consecutive payments on time. This was performed, but after the 40th or so payment there was an issue with my bank sending the money ( it was from a savings account that was limited to XXXX withdrawals a month and the money was attempted to be withdrawn just before the month rolled over ) so the payment was not able to be made. Navient sent me a message that there was a problem with my payment, I submitted the payment again and it went through 8 days after the original date. However, after that " missed payment '' my borrower benefit of a 1 % reduction in my interest rate was revoked and all documentation was taken off my account. I was unable to even figure out if they were correct in revoking that benefit. When I called and asked them about it they said it was " late after 48 hours '' - but the email to let me know there was a problem did n't come for close to 5 days after there was a problem ( making it impossible for me to react to anything in time ). Of note there was a similar problem in XXXX of this year when the charge was reversed and I submitted another charge on XXXX XXXX. 

Considering all of this, I had written Navient asking for documents describing the rules of what would constitute me loosing my borrower benefits. They were unable to provide any documentation, but they did send me a copy of my original loan document which stated that I would incur penalties if my payment was late by more than 15 days. Therefore, it seems to me that this should be the cutoff for removing my interest rate reduction - however, Navient seems to have changed the rules and this seems incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my account was shut down for trying to transfer my money out of my account that does not have a debit and 53 was prohibiting me from getting a card. So i called in explained I was trying to transfer so everything was fixed. They said the problem was my name was n't on the transferring account. I explained to them I was transferring the money to my girlfriend with MY MONEY. However I made the fix and again try to transfer the money out. Then my account was shut down. This time i called answer question. They tell me I have to go a branch to verify my identity. So I did that and next thing you know they tell me I can not get my money. They block my out of my account. I had ~ $ XXXX in that account I needed to pay for bills for my business and house. Now I cant pay either of them and is XXXX out of luck.

Company response to consumer: Closed with explanation