BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX we took out a HELOC from Bank of America for {$140000.00}. Our monthly payment was approx. {$320.00} because it was interest only for 10 years. When we took the loan out, no one from the bank told us it would be called after the 10 year period until we got a letter from the bank saying our payment would now be approx. {$1200.00} starting in XX/XX/XXXX. That payment was simply to much because our first mortgage was already {$2800.00} per month plus the other bills that are paid each month. 

We contacted Bank of America two times to get this loan modified. Once in XX/XX/XXXX and again in XX/XX/XXXX. We sent the necessary paperwork requested by the bank two separate times. XXXX XXXX said that they received the paperwork and would hear back from them on their decision. The bank sent a lettter to us that listed 8 reasons why we did not qualify for a modification. The monthly payment would remain at the approx {$1200.00} p/month. So, we had no choice but to stop paying the HELOC in XX/XX/XXXX. 

A short while later, Bank of America totally ruined our credit and put a lein on our home. They were so hard to work with because they would switch dedicated customer service representatives so you really didnt know what they were doing through the whole process.

This is how Bank of America treats their customers of 25 years.

Many customers have had their HELOC extinguished and we want the same forgiveness of our loan as they received, our credit repaired and the lien on our home lifted. We are senior citizens now and can not meet the banks request to pay the entire loan.

While trying to work with the bank on the modification we did not qualify for, we talked the customer service representative and asked when we would get a decision for modification.

Thats when we were told if you get a large envelope in the mail, its probably good news.

If you get a regular envelope in the mail, its probably not good news. We then received the letter with the 8 reasons why we didnt qualify for a loan modification. 

Please help in this matter to get the loan forgiven and remove the lien from our property at XXXX XXXX XXXX XXXX, XXXX, Ca. 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 alleged identity theft, not later than XXXX 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 2022-10-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making on time payments consistently for a few years now. Originally my interest rate on the loan was XXXX, It was originally taken out from Sallie Mae in the XXXX timeframe was {$12000.00}. 

Unfortunately I wasn't able to pay it for several years I fell within the requirements for the previous settlement save for this mysterious payment that showed up within my 'history ' on XX/XX/XXXX that I never paid, or at the very least I don't remember ever paying. without that payment in there I went 9 months consecutively without paying until I went into bankruptcy. 

When I got out of bankruptcy, my loan had ballooned to {$30000.00} and now my interest rate was a little over XXXX. I consistently made payments until I needed a small forbearance but when it was over I went back to consistent payments ... my interest rate went down to XXXX. I continued to make payments until I needed to do one more small forbearance and then when I got out I continued to make payments at a higher payment to cover what the forbearance cost me. 

In XXXX, when I made my first payment, 2 more capitilized interests were added just before making me required to pay back {$30000.00} and from that point on I have made on time payments ranging from $ XXXX to $ XXXX and as of XXXX XXXX of XXXX my loan is now down to {$23000.00}. 

XX/XX/XXXX, I was sent a letter explaining that a change in my loan terms happened, my interest rate was raise to XXXX and now my payment is XXXX up from the XXXX I was paying. 

It's as if the further I pay this down the higher my interest rate goes which is mind boggling to me. I snuck in a 'payment ' in my history to get out of erasing this loan and are only making it harder on me to pay by raising the interest rate for no reason. 

the letter I got from XX/XX/XXXX explained that after I make these new payments until XX/XX/XXXX I will have made $ XXXX which is far more than what I owed originally. Navient 's criminal behavior needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Account status incorrect

Complaint:
XXXX Bank was informed that I was selling my house and they were going to receive the full payment of the HELOC, however, they didnt provide an on time pay off letter and asked me to stop by a branch in order to get it, when I work and I cant leave my job by the time theyre open. When the title agent/attorney finally got it. They didnt want to close the account since I had to stop by a branch in order to do it myself. I have XXXX HELOC and none of the other XXXX asked me to do such thing. The closing of my house fell off due to this and another thing. And the account when past due. I called them and asked them to please give me a time to put the money together since I spent a lot of money in the closing of my house. They told me they were giving me the time to prevent my account to be reported as late. By the time I was in the phone with them, they reported my account late 30 days and I saw it in my credit report alerts. Immediately asked for a manager in order to fix this issue and I was denied to have a manager on the phone since they were available. I processed the payment and ask them to remove the report understanding that it wasnt my fault about the fall of the closing on my house and that the 30 days late report was going to affect me financially. Being not my fault and the agent understanding we agree that they were going to submit and claim in order to be reviewed and erase. I has never received such claim and when I called nothing was open. They lied to me and I asked the last agent to open a claim a let the manager listen to the conversation with that agent where she promised me to remove the report and to open the claim she never opened. I need to removed this late payment since it is affecting my life very hard and I already submitted the payment. Plus I need to make her responsible for what she promised me. 
Their app is useless since I couldnt check the right balance and the information required plus it doesnt allow you to do much. Totally useless Thanks for your cooperation and help with removing this late payment from my credit report 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 explanation
Consumer complaint received 2023-06-29
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XX/XX/2022 Dear Transunion, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 



Sincerely, 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 2019-04-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax, today, XX/XX/XXXX and previously online through other apps and directly with them within the past few months. Last year I had XXXX ( XX/XX/XXXX ). The services for one provider went erroneously to collections in XX/XX/XXXX. I work for the XXXX of Colorado and am fully insured. I had a follow-up XXXX in XX/XX/XXXX. Meanwhile insurance has been processing, etc. everything has been paid and I paid any difference. In XXXX I got a collections bill from XXXX XXXX  on behalf of XXXX XXXX of Colorado. I inquired with XXXX XXXX and was informed of a zero balance. So, I thought this was a scam ( XXXX XXXX after all sounds like a cartoon! I'm not paying ). I ended up overpaying XXXX XXXX directly and by XXXX I was reimbursed, yet XXXX continued to hound me for payment. Subsequently, since I won't send XXXX money they have reported me to the credit agencies and Equifax will not process my dispute! I have tried numerous times to dispute the error on my account and can not get past the first page essentially. Please take care of this!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax refuses to disclose my free credit report to me without my sending them my driver 's license and social security card copies through US mail to their XXXX office. The other credit reporting agencies ( XXXX   and XXXX  ) released my reports online through their website. After several attempts of calls of providing who I am, Equifax will not even tell me why they won't give me the report unless they have my license and SS mailed to them. What I am failing to understand is how does this help them to mail me my credit report back through US mail? 
I applied for a car loan in XXXX and Equifax yielded an extremely low score when my FICO is over 740. This caused me to get a high interest rate. I am asking for my credit report to see what the problem is, and I would like it to be adjusted. I had a credit card stolen in XX/XX/2018 and I was issued a new one, paying on time for 3 months now. Auto lender said this could have been a problem with Equifax. 
My bank said my new credit card has been recording all of my payments on time and there has been no negative issue with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2022, Comenity Capital Bank, with XXXX XXXX XXXX states insufficient funds on payment. This was paid over phone with debit card and I have no record of any insufficient funds on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
I had a old navy card and they switched to barclays and started charging minimum fees if you did not use the card as soon as I noticed the small fee I called in to cancel the card and get the fee removed. I was reassured the account was closed and the fee was removed and the next month I got another email claiming my account was passed due. I called again and again the rep stated she would credit the fee and close the account. The 3rd month rolled around I got another notification and called again. Same thing, this time more minimum charges plus now late fees. Rep assured me she would handle it once and for all. I recieved a notification from the credit bureau the card was closed due to late payment they made derogatory remarks on my credit and they are still charging the minimum fees and late payments. I called AGAIN this is 5 months now. I spoke to a supervisor that had so much background noise now they are telling me I have to jump through hoops to get this removed. My husband and I are trying to buy a house. This BARCLAYS has made my credit drop down XXXX points!!! I just want this fixed. I don't know what else to do. I even offered on the 3rd month just to pay the XXXX  XXXX minimum fee and move on but the rep said it wasn't necessary it was reimbursed and closed.

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 2021-04-30
Company: Experian Information Solutions Inc.
State: SC
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 am XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX i DONT OWN ANY OTHER STATE IDS OR ADDRESS ANY OTHER STATE ADDRESS OR ANY INFOMATION OTHER THAN WHAT IAM SUBMITTING my lawyer disputed and wrote a letter to all collections on my credit report all incorrect information is incorrect all account that do not match my Id information with same state and address is considered fraud and must be removed I am making a final goodwill attempt to have you clear up this matter. The account they sent back verified are entirely inaccurate, incomplete and represents a very serious error in they reporting. 


I have attached me id & theft police report & letter that my lawyer have wrote this companies with no responds my wallet was stolen So everything that is on my report must match my id The thieves are still using it till this day I will not freeze my accounts because this allows me catch anying who is using with alerts set up in realtime these are the accounts I have verified and some of these are not reporting on all credit reporting at all!!!!! With is another volnation of law. they are as follows loans XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1400.00} credit cards XXXX XXXX XXXX {$370.00} XXXX XXXX {$1000.00} error is currently reporting {$0.00} this wrong XXXX XXXX XXXX use {$2000.00} error every payment was on time currently reporting two late payments

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 2021-04-06
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/2020 I went into a Chase Bank located in XXXX, Florida to inquiry about the Forberance on my loan due to significant hours decreased at work due to the pandemic. The bank was unable to assist me at that time so I was given the phone number to contact to put the forbearance on my loan. 

I called the number while sitting in the lobby and was connected with someone to help with adding the forbearance on my loan. I was told the forbearance was approved and I did not need to worry about any negative reporting on my credit report. 

My loan was sold to XXXX XXXX XXXX  in XXXX of 2020 and at the time I pulled my credit report and noticed that Chase had been reporting my account negative even for the month that I did not have my account with them. I have called multiple times and each time I am told that Chase has not reported my account late at all. This is incorrect. They have been reporting my account late from XX/XX/2020 until now. I really need this to be corrected. 

I have been offered a job and due to them reporting these incorrect late notices on my credit report it is causing a delay with me getting this federal job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: ALLY FINANCIAL INC.
State: IN
Product: Credit reporting 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 just noticed a hard credit inquiry from Ally Financial on XX/XX/2022. There was no direct benefit or authorization for Ally Financial to access my personal information.

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 2023-06-29
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-01-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
on XX/XX/2020 I sent letters to Equifax and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them. they have also exceeded the time allotted by law to remove these items off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attached. Please advise what type of document and/or information is not provided.

Company response to consumer: Closed with explanation