BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2. XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX   XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4. XXXX   XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
i owe money on an old Sallie Mae student loan. I have n't kept up payments i am a section 8 and food stamp recipient. I hear so much about student loan forgiveness but I havent obtained any direct information. My loan balance upward {$11000.00} and constantly going up due to the interest and penalty fees. It has been in default for over 7 years. How can I find outif I qualify for for student loan forgiveness also why has n't my account been tagged for student loan forgiveness. i have so much debt and i really need to get my finances in order now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have sent PNC a Payoff for my Second Mortgage. The Title Company XXXX the Pay off Check and PNC accepted and signed for the Check on XX/XX/XXXX. Since this time I have been on the Phone with them Daily to try to get them to Pay OFF my second. As of XX/XX/2018 the payoff from the Title company still has not been posted or cashed and now I have the Collection Department contacting me about the monthly payment. 

PNC has confirmed that they have Signed and received the Cashier Check but can not explain why they have not Paid off or Closed my account Any help you can provide I would appreciate it Today is XX/XX/2018 and I am formerly writing a complaint against PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Bank of America Home Loans sold my mortgage loan to XXXX XXXX XXXX. The initial date of non payment was XXXX. XXXX companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Other problem getting your report or credit score

Complaint:
I received a letter from Capital One regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and XXXX. 

I contacted both agencies and they did not receive a inquiry from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
I have 2 lenders that are unable to pull my Equifax report, so Im being denied credit. I have spent hours on the phone with Equifax and have no results or even answers except the problem is not with them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a business account with bank of America on XXXX XXXX.I received a approval email on XXXX XXXX. I went in to make a deposit on XXXX XXXX and to my surprise my account was closed without reason. I never made any deposits, withdrawals or completed any debit card transaction. so now ill will have a ews " account abuse entry '' on my report and it will damage my business reputation and make it very difficult to obtain a new business account. I would like a explination of why my account was closed for now apparent reason

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions 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:
I have contacted XXXX XXXX  numerous time via USPS mail requesting information on the account, because the account does not belong to me. I have requested applications that was submitted, contracts that could have been signed anything. But they have refused to answer. This account has not been proven to belong to me, or how it was established.

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 2016-01-10
Company: All State Credit Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After moving out, we were contacted by the apartment manager that we had to pay x amount of money for damages. We called repeatedly asking for more information, because we did not damage anything during our time there. We never heard a response. They continued sending us letters that told us to pay. We sent letters back begging them to tell us what the damages were. We told them, we were not going to simply hand them over money for something, especially when they wo n't tell us what it was for. Some time passed, and we get contacted by a collection agency. They go on to tell us that we owe money for damages to our apartment. I ask what are the damages? All this time and no one would tell us!! The collection agency did n't even know! They said they had to contact the apartment complex to find out. Another two months pass, I called the collections agency almost every day trying to figure out the problem. They finally receive an answer. They said the damage was to the carpets. We definitely did not damage any carpets. I asked them to send us proof of the damages and pictures. They send us a letter that simply tell us the price to pay. No pictures. No details. I believe we are being lied to here. And, during the time of this charade, these XXXX agency have successfully damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Netspend Corporation
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I made a purchase at XXXX using my netspend visa card ( prepaid debit ). XXXX service was poor and caused lots of confusion regarding payment and shipping. My account was fine and the money balance was sufficient. My account reflected that the total amount of the purchase was being held/pending. 

After no activity for a while I decided to check the account. Once checking I could see that XXXX somehow never took their money ( weeks later ). At the time my account was negative XXXX $ and some change. Netspend deducts their account fees and then takes the money when I direct deposit. 


My problem is that my account was already in the negative for weeks and from my understanding XXXX dollars is the negative limit for my prepaid account ... I did n't opt in for overdraft .... 

They gave me some story about 'force payment '' ... My point is I did n't have ANY MONEY in the account and it was already negative .... Y did they let my account go XXXX $ in the negative.. It 's pre paid card ... No money means no money ... 
Plus the rules that come with card says nothing about " forced payments '' and they said they had no paper work or inform for me about the " forced payment policy " XXXX ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've attempted more than 5 times to submit a dispute online with Equifax at their website : https : //www.equifax.comXXXX  and everytime it states that the information that I entered does not match their records. I was able to successfully submit dispute with XXXX  and XXXX in regards to the same account ; XXXX XXXX for amount of {$600.00} opened XX/XX/XXXX. Investigation has been conducted and found in my favor that I did not own this account. However, online is impossible to submit dispute with Equifax and today XX/XX/XXXX I have been calling all day to the number : XXXX and XXXX and every representative states that their undergoing system updates and can not assess anyone 's account to call in 30 minutes and this has been going on since XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My student loans that have been rehabbed are being report twice on XXXX  and Experian. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. Experian will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.

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 2017-02-01
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I signed up with XXXX about 3 years ago to pay off my XXXX credit card. They took {$210.00} a month out of my checking a/c for 30 months - which is what they told me would satisfy my account. I have paid all of that six months or so ago. XXXX has given my {$12000.00} balance to a debt collection agency. They have sent me a notice to go to court XX/XX/XXXX. I have been trying for several months to speak with someone at XXXX. I have not been able to speak with a real person. I do n't know what their plans are for my {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: WLCC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Ocean Park Funding called and threaten me today. They said we will take legal action against you. And I said I am using a debt settlement company that consolodated all my bills and they would not listen. They also continued to call and threaten me while I was at work. Calling me on the job theating me while my supervisiors are wondering what going on. 

They could cause me to be fired for all there interruptions on the job, please address this matter with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We paid off our XXXX mortgage ( loan # XXXX ) XX/XX/XXXX. We received a letter from XXXX dated XX/XX/XXXX stating that the mortgage was paid in full and the lien release would be processed. We didn't know that it never was released until the lien showed up on a title search a few weeks ago as we're selling our house.

We wasted weeks talking to Bank of America ( XXXX ) talking to various people ( XXXX on XX/XX/XXXX, XXXX onXX/XX/XXXX and XXXX on XX/XX/XXXX and someone whose name I don't know on XX/XX/XXXX ) because the lien in the public record shows Bank of America as the mortgage holder. On XX/XX/XXXX, the closing attorney faxed to BOA the lien release request and title search, as requested by BOA. Bank of America passed the mortgage for servicing in XX/XX/XXXX to XXXX, who later became XXXX. Bank of America told us they had everything they needed to release the lien and then ditched us and told us we had to deal with XXXX. They wouldn't even call XXXX on our behalf to find out what needs to be done. They say it's not their problem even though their name ( not XXXX ) is in the public record as still hold the mortgage. They say that's because XXXX didn't ever do what they were supposed to do.

Despite many phone calls ( XXXX ) to XXXX starting XX/XX/XXXX, the lien has still not been released. We were told on XX/XX/XXXX when I spoke to someone named XXXX ( you never get their full name and you get someone different every time ) that a lien release was requested and it would take 5 days. On XX/XX/XXXX I called XXXX and was told 20 - 30 days. The customer service is poor and you can never be transferred to a supervisor ( they're always in a meeting ). When emailing XXXX, we get no response whatsoever. I have emailed them 6 times with no response at all. I found the CEO of XXXX XXXX XXXX and have emailed him 4 times ( XXXX ) - no response. We have filed a similar complaint against XXXX.

We may lose the buyers for our house and lose out on a contract on the house we're trying to buy. All we want is to have a clear title and close on our house.

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 2016-12-27
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My chase bank account was left with no activity for a couple of months and that is because I 'm waiting on my school money to deposit again. I had someone wire money into my account an few days ago and went to the bank today and they told me my account was closed last XXXX with no notice at all no email or anything. I ca n't understand why they can just close your account without any notification at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Capital Recovery, LLC (Closed)
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is showing on my credit report and I have no knowledge of it. I am a XXXX  and also suffers from XXXX XXXX XXXX and have been covered by XXXX. I do not owe this debt nor have I gotten any documentation pertaining to this debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-29
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: Information belongs to someone else

Complaint:
My credit report shows several student loans that do not belong to me. My original student loans have been transferred and paid off. Therefore, there should not be any outstanding student loans still reporting to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
It shows that my Chase Card account is open and derogatory, but this is incorrect. This account was included in my bankruptcy and should be closed. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, 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:
My credit report shows several student loans that do not belong to me. My original student loans have been transferred and paid off. Therefore, there should not be any outstanding student loans still reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Due to a horrible divorce and over {$42000.00} in atty fees I found myself scrambling to find ways to pay the attorneys ; high interest/no collateral 'predatory ' lenders seemed to be the only choice and the last resort. In XX/XX/2017 I contacted XXXX XXXX XXXX XXXX about 'Debt Relief. ' PLEASE NOTE : All monies go through Global Client Solutions LLC ( GCS ). I saw an ad that claimed XXXX ( GCS LLC ) could negotiate with high interest lenders and reach workable 'settlements ' so that clients could avoid bankruptcy and/or receive legal protection from judgements and other adverse court actions. Although XXXX ( GCS ) has settled with one of the major lenders there isn't enough money left to attempt a 'settlement ' with either of the remaining lenders. I have been told by reps for XXXX ( they call themselves 'para-legals ' ) " if you want more done, you'll have to pay more money! '' It 'seems ' that the majority of my {$680.00} per month payment goes to XXXX ( namely GCS ) and NOT to any creditor! I would also like to point out that I am a XXXX XXXX XXXX XXXX  veteran living on a VA and an XXXX monthly check ... there is NO MORE MONEY! I've fallen into a vicious cycle of predatory lenders and even more predatory attorneys and the debt relief legal firm : XXXX XXXX XXXX XXXX and their collection parent or sister company : Global Client Solutions LLC..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. 

Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower. This is enabling identity fraud and extortion at its finest. Why would you just allow any collection company adding to my credit report without my permission? I NEVER gave permission nor was advised on ANY of these accounts reporting. Pursuing legal assistance due to distress with investigating and the whole situation in general. Multiple violations. Im seeking compensation.

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