BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
On XX/XX/2013, I had a terrible fall and XXXX I did not have health insurance at the time, so this accident amounted to about {$120000.00} in medical bills. I was out of work for approximately 9 months total ( XXXX ). Consequently, I became very behind on a lot of bills and eventually was forced into bankruptcy. I had tried SO many times to EITHER get my payments deferred or get a temporary relief from payments due to XXXX. My XXXX filled out the proper paper work for me, stating it would be at least 6 months until I could work full-time again. Navient REFUSED to give me ANY kind of relief. They would not let me have any lowered payment or deferment " because my loans were consolidated after the cut-off date '' they 'd imposed. They refused any time of XXXX help. 
This is not all. Of all of the creditors that called, Navient was the most persistent. From XXXX until " quitting time '' at about XXXX EVERY DAY. Even the hospitals ' collection agency was not as persistent! This, in addition to trying to not XXXX so I could heal, was horrible! In fact, my XXXX is STILL not healed after over three years! 
As they were part of the bankruptcy, the Trustee gave them a payment of approximately {$3000.00} so they are telling me that I do n't have a payment for awhile. I do n't think that it 's a coincidence that they 're doing this just as their company is under scrutiny and law suits?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Bank of America Mortgage Acct # XXXX ( Original CFPB Complaint # XXXX ). 


My XXXX  and XXXX  credit reports are reporting that I was late on my XX/XX/XXXX and XX/XX/XXXX mortgage payments. I have provided my XX/XX/XXXX and XX/XX/XXXX XXXX XXXX electronic proof of payment bank receipts that show my payments for XX/XX/XXXX and XX/XX/XXXX were made on time to my Bank of America Mortgage Acct # XXXX. I've also provided two letters from Bank of America research request numbers XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX. Please review the attachments filed in this complaint. 

I provided XXXX  and XXXX  with copies of my XXXX XXXX electronic proof of payment bank receipts that show my payments for XX/XX/XXXX and XX/XX/XXXX were made on time and the two Bank of America letters research request numbers XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX which address the XX/XX/XXXX payment, but " XXXX  '' and " XXXX  '' has refused to delete the missed payment information from my credit report for the months of XX/XX/XXXX and XX/XX/XXXX. 

Can you please assist me in getting the information removed from my credit report as soon as possible. 


Respectfully, 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 2016-10-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo and Co. wrongfully closed my Roth IRA account number XXXX during 2016 without my authorization. I have had this retirement savings account for more than a decade and I know Wells Fargo wrongfully closed my account because I can no longer view my account information online. As such, I am seeking the CFPB assistance in order to recover my proceeds as soon as possible from Wells Fargo.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Got financing for a vehicleXX/XX/XXXX and was told before signing that my payments would start being reported starting XXXX of 2021 however when it started reporting it wasnt accurate I submitted a dispute however the financing company never responded and Transunion removed the trade line after calling emailing for serveral months without any assistance the financing company was able to finally speak with someone who claim they will resubmit my tradeline however this doesnt assist me when that tradline with perfect payment history was removed and I couldnt by a house because it was deemed I didnt have enough credit or payment history to reflect my words

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 2022-08-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balanced Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid off my auto loan with SDCCU earlier this month, which required me to call customer service. The agent assisted me with making the final payment, informed me my title will be sent in the mail, and closed my accounts. Notwithstanding the payoff and closure, the bank pulled the payment from my checking account. Customer service informed me that it was the " system '' and they have no control over it. They informed me that this will take 3-5 business days for the funds to be returned and there is nothing they can to to cancel/intercept the payment and wire the funds back to me. Essentially, I was blown off. Apparently one has to explicitly request the scheduled payment to be canceled otherwise it automatically pulls the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection agency has false information on credit reports dated from 2015. The acct they are requesting is not mine. ( Trident Services )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to attend XXXX University with a student loan. While awaiting student loan approval, XXXX University registered me in a class and charged me tuition without my knowledge. I was unsure of the process and never completed activities beyond a survey. Some months later I was approached by a counselor who told me I was at risk for not finishing my class. I advised that I had never signed up for a class. They told me to contact the school. I did, but no resolution came from it. Some months later, when my loan was approved, I contacted my admissions counselor to begin courses. She was no longer employed by the school. I emailed the person who they told me was now responsible. That person never responded. Some time later I started getting collection notices. I have disputed every one and every one has been found to be fraud, but they just send it to a new agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/RESIDENT DATA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: WA
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:
There has been news that the responses are randomly generated, and the report they gave me makes me unsure whether it 's accurate, or, as inaccurate as the news say.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: VA
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:
XXXXXXXX XXXX XXXXXXXX has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program XXXX promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with XXXX in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, XXXX XXXX reported to all three credit reports that my mortgage was 60 days late. Then recently, XXXX XXXX reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on XXXXXXXX XXXX website. XXXX XXXX and the three Credit Bureaus XXXX, Experian and XXXX has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.

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 2017-08-18
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: Account information incorrect

Complaint:
XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

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 2015-12-20
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have a judgement against my ex husband on XXXX bills that still show on my credit score. How can I get this off my credit score and on his???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint with cfpb a few months ago regarding my lender Wells Fargo not working with me in order to get mortgage assistance and/or payment arrangements. Well I lost my home as a result and now they are blocking assistance to do a short sale on the home. XXXX they authorize the start of the short sale in XXXX, but then did not release it out of modification until XXXX XXXX, 2015. Wells Fargo assigned a consultant XXXX XXXX, who would never return my phone calls. Once I was able to speak with XXXX we agreed to proceed to do a short sale IN XXXX 2015. Me and my agent XXXX tried several times to contact XXXX to release from modification status and failed to reach her. Left XXXX messages to do so and finally XXXX XXXX, 2015 my account was moved from modification status to foreclosure status BUT now the sale date is XXXX XXXX, 2015. Wells Fargo made it impossible for my agent to list it as short sale and now due to Wells Fargo lack of communication and lack of action, we now only have 2 weeks to proceed with the short sell. Also, I ask about the HAFA program because I heard about it from a friend and was given the run around. Wells Fargo unprofessionalism has caused me to possibly miss out on taking advantage of doing a short sale as well as the XXXX program. I ca n't tell you how frustrating this process has been. When I initially contacted Wells Fargo I was behind XXXX month ( XXXX ) {$710.00} and was in the next month ( XXXX ) which could have been paid and a payment arrangement for XXXX could have been made. I was told they would not accept that because it was a partial payment, they do n't accept partial payments. Instead it was in modification until XXXX at which point I could not afford the {$6700.00} past due amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX the XXXX XXXX someone charged and order XXXX XXXX  on my account for {$43.00}, I have had 3 fraud and 3 dispute with them nothing has been resolved. It is now XXXX and they are saying the bill is still mine, I have written them a letter explaining that I didn't order nor received the item I have been saying this for the last two years they are now charging me late charges the amount today is XXXX ' I need help

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 2022-05-25
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: Information belongs to someone else

Complaint:
I Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from my 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 2017-02-09
Company: Lincoln Educational Services Corporation
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Lincoln Tech entered into a contractual agreement with my underaged son whereby I signed as his parent as a cosigner. Without my knowledge or consent, my son dropped out of school and instead of Lincoln Tech sending me an initial request with the appropriate information regarding my son 's debt, they send me threatening letters stating that the account was past due and that they could not contact my son and that they would report this debt negatively to the credit bureaus on my account. I contacted this company several times in writing asking for the appropriate information informing them that I had an issue with them sending me threatening letters when I had never been initially contacted about the original debt.. The company did not respond to my requests for information and verification and yet continued to send me threatening letters stating that they would report negative information on my credit report. I believe that this company violated my rights under the Fair Debt Consumer Reporting Act. I have asked this company several times, where did they expect an underaged child to be able to immediately pay back over XXXX without a response. I believe this college practices predatory lending and even though I have paid them XXXX payments they have reported inaccurate negative information on my credit bureau report.

Company response to consumer: Closed with explanation