BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: Navient Solutions, LLC.
State: OR
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:
About 11 years ago I consolidated my student loans. I think it was with XXXX XXXX. At some point they were transferred to Navient. I have been working for a qualifying non-profit for nearly 10 years and was looking forward to the Public Service Student Loan Forgiveness program. Unfortunately, I have been informed that the past 10 years worth of payments do not count because I failed to consolidate under a XXXX Student Loan. I would just like to participate in the forgiveness program. Is there any way I can get the government to honor my 120 payments? If I consolidate now and start paying my new Direct Loan, I will be paid off before 10 years is up, since I 've already been paying for 10 years. It hardly seems worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TD BANK US HOLDING COMPANY
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 This Creditor TD Bank has violated my right under 15 USC1681 section 602 states I Have the right to privacy. 15 USC 1681 section 604 ( A ) section 2. It also states that consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( B ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act my XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions and permissions.

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 2022-10-31
Company: Duvera Billing Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The work that I had done at XXXX XXXX XXXX XXXX in XXXX, nc was completed on XX/XX/2022. My check engine light was reset and the work was complete however, yesterday afternoon I get in my car to go get my kids from school and the check engine light is back on, I havent even been driving my car a week since it was serviced. I am not paying on the contract for that portion of the work if the problem was not fixed. Back in XXXX I used XXXX  with a local mechanic, long story short the mechanic shop made the problem worse and i took it back to them twice, they told me to take it to XXXX XXXX. When I signed up with XXXX, I was told I would have a 3 year warranty for any service that they completed. When I reached out to the mechanic shop and XXXX  about rectifying this they told me its nothing they could do. I paid {$1900.00} a month later to XXXX XXXX and they fixed the emissions system, after paying the local mechanic {$2000.00} for work they claim they fixed but they basically put a bandaid on the real issue. 

I took it XXXX to verify which code was malfunctioning and its the same service that was supposedly fixed by XXXX XXXX XXXX XXXX. My emissions system light has come on twice since they supposedly fixed. I took my car to them today and his words were you need a second opinion, we cant determine the failure. 

I ended up selling the vehicle two weeks after the first mechanic claimed to fix my gas leak. I have a new vehicle now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attorney XXXX XXXX XXXX, XXXX ( Georgia Bar # XXXX ) promised that after signing a consent judgement dated XXXX that I would be able to negotiate a new settlement at any time regarding the principal amount of {$2100.00} and I called today ( XX/XX/2022 @ XXXX XXXX ) to see if I could discuss it. The lady on the phone said that because the court approved the judgement that the amount owed is final, however that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Hey hope all is well I ask the Credit Bureaus XXXX, Experian and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I have an collection account on my credit report being reported inaccurately with : XXXX XXXX XXXX  account Number : XXXX The account is being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed the account please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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 XXXX : 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 2022-10-31
Company: JPMORGAN CHASE & CO.
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 Account # XXXXXXXX XXXX XXXX XXXX Chase bank, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an Open-end consumer credit plan as late for anv purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The balance reported on XXXX/XXXX/2016 is incorrect. See attached payment was made on XX/XX/2016 in full amount paid was {$2300.00} as attached for your review. It was Debt via EFT as attached. I contacted the Bank XXXX XXXX to verify on the afternoon of the XX/XX/2016. The funds was received and posted to the account. Proof of payment attached. XXXX XXXX called to verifying that the XXXX XXXX as well? The Balance was {$0.00} on the XX/XX/XXXX. I have attempted to resolve the matter with XXXX XXXX and Equifax as inaccurate information have been displayed on my behalf via my Credit Reports. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX located at XXXX XXXX XXXX. XXXX, SC XXXX, I was living with someone at the time, management advised I had to go on lease as I occupant over the age of XXXX, but I will not have any financial responsibility because im not a leaseholder, lease holder defaulted on the debt and the past due balance of XXXX prior collection agency removed from my report, however new agency placed account back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My Equifax credit report shows an address that I have never lived at. The address is in the state of Oregon and I have never been to that state. 
Wrong address is : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XX/XX/XXXX I withdrew {$39000.00} from my HELOC equity account at Mountain America Credit Union ( MACU ). On XXXX XX/XX/XXXX I made a {$140.00} payment. On XXXX XX/XX/XXXX I made a {$25000.00} payment. On XXXX XX/XX/XXXX, I went to a Branch and asked " What is my payoff amount on my equity account? '' I was told it was XXXX. I paid that amount, received a receipt, and before I left asked " Is my account paid off completely? '' I was told yes, you have a receipt with a XXXX balance and your account ( On the screen ) shows a XXXX balance. 
On XXXX XX/XX/XXXX I received a notice from MACU that stated I had an unpaid balance of {$49.00} due on XXXX XX/XX/XXXX. That I was given a " courtesy '' and it was now due by XXXX XX/XX/XXXX. Also if I failed resolve it they would send a negative report to the credit bureaus. 
My wife called the XXXX XXXX XXXX XXXX at the number provided and spent about 2 hours onbthe phone with them and they still could not explain why there was an unpaid balance when, since XXXX XXXX, our statements showed a XXXX balance on the equity account. They told her since it was the weekend they would call back on Monday when the full staff was available. 
On XXXX XX/XX/XXXX I went to my branch to try and resolve this. After about 30 minutes they said that when I asked for a payoff amount that they are unable to provide an accurate amount and can only do it on the XXXX of the XXXX when the interest is computed. I asked " how is it that when I asked for a payoff they can not provide me an accurate amount, and how am I supposed to see a balance owed when since XXXX XXXX my account has shown a XXXX balance? ". They could not provide an answer. After a bit he pulled up something on his screen and said that in my " statement '' it says there was a {$49.00} balance. When I pull up my statements from XXXX XXXX and XXXX XXXX all it shows is a XXXX balance. So I asked again How am I supposed to know there is an outstanding balance and where did it come from? He could not provide an answer. He finally was able to show a screen that had a payoff amount of {$49.00}, but I do not have access to that, and if he could pull that up why did not the teller do that when I asked them too? I did make a payment of {$49.00}, received another receipt showing a XXXX balance, and my app balance still shows a XXXX balance. I am not confident this institution follows federal regulations in their banking practices and in the accuracy of a debt of {$49.00}. Thay can not provide any documentation that shows I incurred this as interest. I can not be the first person this has happened to. How many innocent victims have had negative credit reports due to unprofessional, accounting practices and accuracy?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CBC Companies, Inc.
State: NC
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:
My personal information was stolen in XXXX out my car. My car was broken into 1st in XXXX,2ndXXXX North Carolina . I have sent a copy of my police report to XXXX XXXX, XXXX and XXXX with a copy of my licenses and proof of address. I was recently checking my credit report since I just recently got back from XXXX I am XXXX XXXX military soon to be a veteran. I have noticed opened accounts that are fraudulent because I didn't open them that are on my credit report.. Also there are fraudulent addresses ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX XXXX being reported and incorrect names that I do not recognize and believe to be fraudulent. This is a list of the accounts that were opened fraudulently in my name XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. Please delete all Fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. My Consumer Number : XXXX and Case Number : XXXX. I am a victim of identity theft. I have reported identity theft with the 3 major credit bureaus last year. After a review of my consumer report, the account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : XXXX XXXX XXXXXXXX I ask that the fraudulent item be removed from my consumer report I reported the theft of my identity to the Federal Trade Commission. I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please investigate this matter and removed this as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking my report today and I noticed some inquiries that Im not aware of XXXX  Card XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 TransUnion XXXX XXXX  XXXX XX/XX/2020 XXXX  Anything reporting inaccurate on my report that has nothing to back it up should be removed immediately because of the fair credit reporting act.

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 2015-03-24
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made an online payment to mortgage on XXXX/XXXX/15. I then received a payment confirmation stating that " payment was received '' I received a call from mortgage on XXXX/XXXX/15 saying that they were accessing a late fee and check bounce fee. I explained about my confirmation e-mail and they said that the reason no payment was made was because an incorrect acct # was entered. If that is correct then why did I receive a " payment accepted '' confirmation e-mail. Sufficient funds were also in the bank so there never was a bounced check. Not only are they assessing these fees but are also charging me a {$15.00} fee to make payment over the phone after the fact. I feel as if they are ripping me off on purpose.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted Agent on XXXX only gave confirmation # XXXX Credit Report has multiple accounts reporting adverse ; however when I call agent can't find accounts listed nor has she been able to remove those acounts. File # XXXX XX/XX/2022.

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 2016-08-23
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My husband and I purchased a car through Santander. The car was repossessed and sold before we were able to resolve the payments in XXXX XXXX. The balance was being reported on our credit reports as both open and closed up until a few months ago. I contacted Santander in XXXX XXXX regarding this debt and there was no response, but the status was then changed to a charge off. The debt is past the statute of limitations and is uncollectible according to the state of MS. Santander continued to call several times after I asked them in writing not to call me concerning this debt, which implied that this debt was still collectible, continuing to violate the FDCPA. I have disputed this account on both my behalf and my husband 's but they continue to report it and update the account on both our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed Civil Cause # XXXX, XXXX XXXX XXXX v. Bank of America ( BOA ), in the XXXX XXXX District Court of Texas for breach of contract, slander of title, fraud, FDCPA violations and negligence on XX/XX/XXXX. My lawsuit is based on a title audit that clearly proves Bank of America was an FHA pretender lender that did not have standing to enforce the provisions of my Deed of Trust. Despite this lis pendens regarding the title to my homestead, BOA sold my property to XXXX ( XXXX ) during a substitute trustee auction on XX/XX/XXXX. XXXX 's attorney, XXXX XXXX XXXX XXXX. ( XXXX ) immediately filed Cause # XXXX in XXXX XXXX XXXX XXXX XXXX XXXX and a default judgement for possession was entered. My lawyer appealed to the XXXX XXXX County Clerk but quit the day before I was to appear in Court-At-Law No. XXXX. The Assoc. Judge over ruled my motion for a XXXX-continuance to prepare or find legal counsel and refused to consider evidence I presented to support my adverse claim to my home. I appealed the trial court 's ruling on XX/XX/XXXX and filed a pauper 's affidavit, which according to the Texas Rules of Civil Procedures, Rule 510.9 ( 5 ) ( e ) should have stopped all adverse actions against me until the Appellant Court decides on my appeal. Despite these rules, XXXX requested a Writ of Possession on XX/XX/XXXX to evict me from the property and the writ was issued on XX/XX/XXXX in violation of the Rules. I was served by a county constable and my lawyer and I have been fighting eviction every since. Despite the fact the writ is now XXXX, XXXX and the constable have continued efforts to execute the writ and evict me from my home despite pending litigation and appeals. This is also in violation of Rule 510.8 ( d ) ( 2 ), which states a Writ of Possession can not be executed after the XXXX day after the judge signs the order for possession which was signed on XX/XX/XXXX. The XXXX XXXX XXXX Associate Judge, the XXXX XXXX XXXX office and XXXX have been avoiding my lawyer, XXXX XXXX XXXX ', efforts to have the writ lifted because of the XXXX Texas Civil Procedure rule violations. I have also been informed by the constable that they plan to execute the writ and evict me from my home within the next three days. I am contacting you because you have assumed responsibility for protecting consumers from such egregious violations of federal laws and illegal foreclosure actions. I am uploading details concerning each case. Please investigate on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: CAINE & WEINER COMPANY, INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On Saturday, XXXX, I received a noticed from a law firm stating that they were representing a former employer of mine also stating that I owed this former employer a certain amount of money. As of today 's date, XXXX, I have never received any information concerning this or any other money matter, concerning me owing this company monies. Their recruiting team has reached out to me about coming back to work for them as a XXXX XXXX XXXX  and I have responded that I would be interested in a return position with this company. This comes as a very huge surprise to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The item serious delinquency has been on my credit report for 25 years. It was XXXX there fraudulently. There is no record of delinquency. Bank officer used the item on the report out of retribution after a disagreement in 1997

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 2016-11-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I requested a transfer of Funds from HSA bank to another HSA account and a closing of my account. The transfer and closing forms were sent to me, to which I completed and directed HSA Bank to transfer to my new HSA account. According to HSA Bank, I needed to have a signature from the new HSA account holder to transfer the funds to which they advised me the funds would not be transfered without the signature. Ten days later HSA Bank sent the funds to my checking account without my authorization, which has potential tax implications.

Company response to consumer: Closed with explanation