BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-01
Company: TRUIST FINANCIAL CORPORATION
State: AL
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 a mortgage loan that was purchased by Suntrust bank. ( XX/XX/2019 ) I have made all payments on time. However, in XXXX of 2019, they failed to apply my full payment properly and immediately submitted it as late to the credit bureau resulting in a lowering of my credit score as well as several other credit companies lowering my credit limits. They have damaged my credit scores and creditworthiness. I contacted Suntrust on numerous occasions to resolve this, and they admit they were in error but did nothing about it. I have full documentation of such. I then hired an outside firm to contact them and try to resolve the issue. Suntrust also admitted they were in error to this third party yet they have done nothing to resolve the issue. I have a letter from this third-party company showing the admission of the error on the part of Suntrust, and yet they were unable to get any resolution either. 

Every time you try to call Suntrust you speak to a different person or department and they give you the runaround and none one takes responsibility to resolve the issue even though they admit the error. This has been the case for more than 6 months now. 

If you are dealing with Suntrust bank, my advice is to be very cautious because they are unethical and unwilling to resolve issues even if they admit those are the fault of the bank. It seems to me this ought to be illegal. I have no resort except to report them in this complaint, hoping that someone will do something about this issue and give help where it is needed.

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 2017-01-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan amount increased and interest rate increased after being sold to Navient. Unfortunately, I am not able to make full payments on my loan but when I call for options on what I can do, I seem to get different answers. I was told that I could only do forbearance, which accrues interest. Then after talking to friends/family, I was told about the income based payment option which I was told was over {$500.00}. That was definitely not affordable. I was told then I can stay on forbearance, which I still am. They were not willing to negotiate affordable payment options. Two options basically given was an amount I can not afford to pay or go into forbearance and incur interests. I do not have an option. There should be more that Navient is willing to do to help students.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX I changes my main checking account. I also changed the account on the Barclays card web site to draft the new bank account. Instead in XX/XX/XXXX Barlcays drafted the account i was in the process if closing. The results was but overdraw the account.

I called Barclays customer support in the day if the automatic bank draft who said they would reverse the charge and charge the proper bank account.

Well this never happened and I was charged an overdraft fee on my bank account and Barclays charged a late fee and interest. I told them I would not pay the late fee or interest at it was their fault it was late.

Bottom line is I have an XXXX credit score and have never had this issue before. I paid by balance in full but refused to pay the late fee or interest for reasons stated.

Now they keep more late charged on top of the other late charges.

Please help. 

Thanks. 

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 2018-05-30
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
My life has been turned upside down. 
Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: WELLS FARGO & COMPANY
State: NC
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:
Wells Fargo Auto Account ending in XXXX I sent you guys a letter on XX/XX/XXXX of last month. I received the letter that you sent to me via mail. You stated in the letter that you will update the information on my consumer profile but that has nothing to do with the dispute that I sent you. I stated to you that you have no business of updating my consumer profile in my previous letter. You did not do what I ask for you to do and you did not answer me correctly on what you sent out to me. I am simply asking you who gave you the permission to report on my credit profile? Also, who gave you the permission to furnish a debt without me knowing to a credit reporting agency? A credit reporting agency is a third party they do not work for you. You can simply remove the account from my credit report for you are violating my rights to privacy according to the Gramm Leech Bliley Act. Also since you did furnish this account without my consent and reporting on it every month without me knowing that identity theft which is a felony. According to the law it state in 18 USC 1028A ( Aggravated Identity Theft ) that whoever knowingly possess, transfer, or uses another person identification without them them know shall be sentenced to a term of imprisonment of 2 years. I pretty sure you do not want a huge lawsuit on your hand for furnishing this debt without the two most knowing form that all companies must have in order for a consumer to consent is SSA-89 or SSA-827 form XXXX That is is the only two form that must be sent to me to even furnish this debt with my permission. You never offer those forms to me and I bet you didn't those forms to any other consumer. Also since you still reporting the information without me knowing you are literally damaging my consumer report without me knowing. My consumer report literally took a hit because you guys do not care and not only that you did not care this had cause me to get the job that I initially had high hopes for. Anyways, you in violation of 15 USC 1692c ( b ) It states that without prior consent to a consumer that you can not report to a consumer reporting agency. You have been doing that all along which is a felony cause that also is a result in identity theft. I still didn't give you the consent and you still doing what you want. I demand you to remove this account from my consumer report immediately and if not then pursuant to 15 USC 1681n ( Civil liability for Willful non-compliance ) you will pay me {$1000.00} per damages to my consumer profile and {$1000.00} per violation. So tell me who gave you the consent to report on my consumer report because it wasn't me!!!!

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 2017-02-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I would need your help disputing some charges on my Citi Visa card. Please investigate all charges made by XXXX XXXX XXXX and XXXX. XXXX was my first contact regarding setting up a website. After them other companies started to call me to offer online related opportunities. XXXX contacted me so I could have my online business company officially set up. There are XXXX parts to XXXX : The first XXXX sets up your company for you by getting it licensed in your state and all the paperwork needed to do so. {$1600.00} The second group works with you to get your credit established with XXXX XXXX XXXX. I received a couple of phone calls and that was it. {$1900.00} The third group was XXXX XXXX. They sent a program to fill out to track your taxes. After reviewing the program I called and told them that I did not want to use this program and I preferred to use a local CPA to do my taxes. They declined my request for my money back. {$2800.00}. 

I believe they took advantage of me. They sold me additional business that I did not need it. These companies prey on the elderly and they overcharged for services that I could 've paid a couple of hundred dollars ( price gouging ) and they did not provide the services that I was led to believe that I paid for.

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 2021-08-01
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:
This account is not mine. Its a fraud account and I do not know why Transunion puts this item in my profile. Its not fair and this influencing my life so much, you can not even imagine. I am not connected with this account. This account is not mine for sure. Please ask Transunion to make investigation why they are reporting fake information and I want this item to be removed from my profile.

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 2017-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Experian ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX ; XXXX/XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to t that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've never had a Chase account this account doesn't belong too me I called too be told nothing can be done for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Acquired Assets, Ltd.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have no idea what this {$67.00} dollar debt is? But if I owe it they need to get ahold of me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am a victim of identity theft. Previously, I contacted the credit bureaus regarding an account that appeared on my credit report that was fraudulent. Being a victim of identity theft I provided a police incident report, an FTC report and requested verification of the account. The credit bureaus never provided any documentation regarding the validity of the account and the account was deleted from my credit report. However, it has reappeared.

Section 611 of the FCRA states : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted ...

Therefore, this account needs to be deleted.

Also, it is my understanding that according to FCRA the credit bureaus must inform the consumer within five days of any changes being made to the credit file. These credit bureaus allowed the reinsertion of this fraudulent account and never informed me of this reinsertion. The account I am disputing is XXXX  - account number 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 2021-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I XXXX XXXX entered into a consumer credit transaction with USAA Federal Savings Bank XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but USAA Federal Savings took cash. The finance charge is supposed to include insurance but USAA made me purchase insurance separately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Navient Solutions, LLC.
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:
Dear sir or madam, I have XXXX federal consolidation loans with Navient, which I have been paying in good faith since XX/XX/XXXX. Due to recent information that has come to light, I believe Navient has stolen money from me and acted fraudulently over the last few years. 
First, Navient claims that XXXX years ago I chose a graduated repayment program, in which only interest would be paid back for the first XXXX years. I did not knowingly choose this repayment plan, and I never would have. They did not inform me that I was only paying back interest, not principle. This came to light about a month ago ( XX/XX/XXXX ), when my monthly bill increased without warning by nearly {$70.00}. I immediately contacted Navient, who claimed that I had been informed of this change in an email in XX/XX/XXXX. I did indeed receive an email titled " change in terms '' on XX/XX/XXXX but there was no information in the email or attached. I was not informed by email or post for the XXXX years that I was unknowingly on the reduced-payment plan. 
Second, over the last year I have consistently paid more than the minimum monthly payment. For the last XXXX months, Navient has applied my entire payment to " interest '', including the extra money. I asked them what happened to the extra money I paid, but they avoided answering the question, telling me over and over that I had chosen an " interest-only repayment plan ''. I can not imagine how it can be legal for them to apply money above the monthly minimum to interest, not principle. I believe they have stolen it. 
Third, I was forced several times to put the loan into forbearance because I was in a bad financial situation. Navient/XXXX always told me that I was not eligible for deferment, even when I was still in school or unemployed. They have thus added {$6000.00} of capitalized interest to my original principle, although I have always paid in good faith. I should have been eligible for deferment at least some of the time. 
I have tried to negotiate with Navient, but they will not cooperate with me. I have informed them that I am ceasing all payment on the loans until we can come to an agreement, but they will not back down. I can not in good conscience continue to pay a company that is stealing money from me, and fraudulently signed me up for a payment plan that I did not want. 
I hope that you can help me resolve this situation. 
Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
A TransUnion credit report was pulled on my name on XX/XX/21 by XXXX ( XXXX XXXX XXXX ) but I have not applied for a loan with this company.

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 2015-04-10
Company: CITIBANK, N.A.
State: MI
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:
I signed an agreement to payoff my Citi student loans over 15 years when I started repaying my student loans. During that time, Citi student loan was servicing XXXX of my loans, # XXXX & XXXX. My total monthly payment until XXXX 2015 was XXXX ( # XXXX = XXXX and # XXXX = XXXX ). In XXXX, I paid off loan XXXX. Citi then sent me an XXXX statement showing that I owed XXXX for loan # XXXX. In XXXX, I called servicing and asked why my payment for XXXX had increased. They initially told me it was due to a mistake on their end which meant that at the current rate I would not be able to payoff my loan by the deadline. I disagreed with that person ' response because their math was incorrect. They said that the reason was due to their policy of not permitting of less than XXXX/month. I stated that provision was not in my agreement, so they were changing my contract. By the end of the call, a manager said they would fix my payment back to the XXXX amount as long as I would make XXXX payment in XXXX for XXXX. I agreed to do that and did it. On XXXX/XXXX/15 I get a call from Citi servicing stating that they can not change my payment to XXXX due to policy and my payment would be XXXX. I asked the lady to please review my repayment agreement for that provision, and I was told that she did not have a copy of this agreement. I am complaining about this change in payment amount. If this was mortgage servicing, the servicer would be getting in trouble for improper billing. Student loan servicing should be held to the same standard. Also, Citi has not sent me an explanation of why payment has changed, the breakdown of the repayment plan I am on with this new payment, or the time period it will take to repay my loan off based on this new payment. Surely this can not be the way a borrower should be treated in this manner. My loans are in good standing ; I am rarely late on payments ; if I am late, it is due to simply forgetting ; I have no outstanding late fees ; and I 've paid off a lot of my loans that I have had. Why is Citi treating me like garbage. My trust with them has gone completely away, and I am unsure if their billing statements have been accurate this entire time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Navient Solutions, LLC.
State: CA
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:
Because I am set up in this reduced interest rate program with Navient, what happened is, as they have been taking payments out of my account and applying it, but I do n't know exactly how its being dispersed to all my loans, and because I 'm set up with auto-pay, I have never had any control over it. I just pay my monthly amount and they are supposed to apply it to my loan amounts accordingly. The website does n't have any detailed situation information and I have never gotten a document. All I know is that I owe XXXX a month and they automatically deduct it from my bank account and apply it to my loan. However, since we set up this payment plan, they have n't been applying enough money towards XXXX of my loans, and too much towards another loan. They have been calling 3-4 times a day during the week and weekends and sometimes late in the evening. I was confused because I had been making payments but because departments do n't seem to communicate very well at Navient, I was left with having to explain the program I was in to then get the response 'oh, yeah you are all caught up with payments, apologies we did n't see that. ' But now I have just discovered that they have n't been applying my payment properly, therefore we got dinged on our reports ( my and my cosigners ) which is really a major score drop. This not being the only quirky thing I have been dealing with, I believe Navient needs to be regulated because they clearly can not handle their customers money.

Company response to consumer: Closed with explanation