BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed a 90 day late on a Federal Student Loan. There were XXXX loans corresponding to the number of semesters I was in school. I have since consolidated the loans into XXXX note, but the loan servicer at the time was Direct Loans which is no longer in business. The National Student Loan Data Center nor XXXX XXXX ( the current servicer ) have any information about me ever having a late payment. I have always paid my loans on time with the exception of the grace period and a forbearance. This information on my credit report is inaccurate and can not be verified. According to the Fair Credit Reporting Act, it should not be there. I disputed this a couple of years ago, and Equifax and XXXX ruled on the lenders behalf. Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are false names, addresses, inquiries, and credit account information that are not mine and/or I do not recognize. Initially, I tried contacting the creditors to clear up inaccurate information but I was ignored. 
Adverse accounts have falsely reappeared/posted on my credit report in error. I 've already disputed these items with Experian and their response was that " that items have already been disputed and we ( Experian ) will not investigate them because we are only required to furnish information of activity that has been reported to us ( by the creditors ). '' My credit report was obtained illegally because the companies who viewed it did n't have the right to do so, therefore, inquires should n't stay on my report. Experian is required to follow up with the creditor. " If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Legally, the credit bureau must respond to you within 30 days. '' I have reported these creditors to CA Dept. of Business Oversight. Experian has failed to comply with their obligatory investigation. 
I 've learned that Experian is not interested in fixing inaccuracies. If they were, they would have done something about it long ago. I 've discovered that the reason it is difficult for Experian to fix inaccuracies is because doing so is contrary to what their objectives are ; to satisfy the furnisher of the information ( creditor ). 
I am requesting Experian to investigate the inaccurate information that I 've disputed with them and I want them removed by suppression technology so that they will not falsely reappear.

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 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a XXXX who has banked with Bank of America for more than20 years. In the last year the service charges for banking services that allretailers require have been increased anywhere from 20 % to 300 %. Thesare critical services like cash deposits, coin requests, check writing andcheck deposits, ACH activities etc. Our monthly bank fees, not includingcredit card fees have gone from approximately {$90.00} per store per year one year agto over {$160.00} per store per month this year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Called the companies to let them know about the unknown inquiry and asked for them to investigate and delete within the time frame designated by the CCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX allowed a 3rd party to charge to my account!! it was for jewelry that I did not receive.I was in hospital when this was shipped to my former address in XXXX ... I came directly to XXXX. from hospital..they finally took charges off, but still report me as missed 3 payments..now they send me statements saying I have a XXXX credit coming LOL

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Other

Complaint:
Purchased some furniture from a furniture store. We bought a sofa and love seat, a bunk bed and a mattress. The sofa and love seat were suppose to have wooden legs and removable cushions. The legs were plastic and the cushions were sewn in. The bunk bed turned out to be XXXX different colors. The mattress had a manufactured on date the same as the date we purchased it. We tried to resolve this with the merchant but were unable to do so. Filed a dispute against the XXXX with Bank of America, the company whose credit card we used. We filed the dispute about XX/XX/XXXX. Soon after we were informed the dispute was denied because we did not submit necessary information. The person I talked to reviewed the file and saw that I had actually submitted the necessary information and they would resubmit it. Later we were informed that the pictures showing the problems with the products were not acceptable. I had to write out what the problem was. Pictures showing the problems were apparently not good. XX/XX/XXXX we received a letter dated on XX/XX/XXXX that the claim was denied. It stated that all available options were exercised and they were unable to obtain a credit from the merchant. And that they considered the claim resolved and wo n't respond to any further correspondence relating to this claim. We are not sure why they denied our dispute considering the documents we submitted to support it. And any attempts to find out have not be productive. Apparently they are not responding to any further correspondence relating to this matter. I have even attempted contact on XXXX and after doing what they say, do n't hear anything back. I can not give exact dates because when I attempt to access the information on their website it seems to have been removed. They wo n't answer my question on why that is either. On my account they have my address and phone number but tell me to send contact info. When I do they say they did n't receive it, even though they already have it. This has been going on for 4 months. All of the items we purchased had issues. Ca n't submit certain documents because I ca n't access them even though Bank of America says they will be accessible for 120 days. Bank of America has yet to answer why I ca n't access even though I have made numerous attempts to find out.

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 2016-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX/XXXX mortgage loan with Countrywide, secured by XXXX. My loan was then sold to Bank of America. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. Bank of America has sold my loan to a collection agency, XXXX XXXX XXXX to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a credit card from Bank of America and they denied me credit saying that I have a past due account with them and XXXX of their associate companies when I do n't have any account with them and do n't have any past due accounts at all. All of my credit accounts are current and never have been past due.

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 2022-05-19
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these are hard inquires on my Equifax credit report in which I did not authorize. 

Equifax- XXXX employee ID XXXX from fraud department refused any assistance even after I spent a total of 4 hours today calling each one of these inquires to request validation of who made these inquires and they could not provide information as to why my credit report was run.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of fraud and scam scheme where I was deceived and lost {$500.00} via XXXX XXXXy Cash Person-to-Person. Once the transaction occurred the fraudulent merchant blocked me and no further communication could be made with the merchant. Immediately once the transaction was posted to my checking account, I filed a dispute with Wells Fargo. Wells Fargo denied my claim stating that the transaction is not fraudulent and upon calling the claims department to obtain more information, I was told that their definition of fraudulent does not match the dictionary definition and does not cover deception or scams. As a result Wells Fargo is not willing to help me with this fraudulent transaction.

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 2016-09-07
Company: VW Credit
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I Purchased a NEW XXXX XXXX XXXX XXXX with a sunroof and Navigation. Not only do I have the recall for the XXXX XXXX XXXX with no remedy on my car I have XXXX other life threatening recalls with no remedy. When the other recalls were brought to our attention, I knew I was driving an unsafe car that may kill my family. Volkswagen has admitted to circumventing the emissions control system in the United States since XXXX. With their deceptive and fraudulent business practices Volkswagen knowingly sold me a car that was equipped with the illegal defected devices and locked me into a contract under false pretenses. They also deceptively sold me my New XXXX XXXX XXXX With Navigation and XXXX that I used for a down payment on the New XXXX XXXX. The XXXX XXXX also was affected by the recall for the XXXX XXXX XXXX. I put {$15000.00} down on the XXXX. In addition, Volkswagen carried out a cynical fraud on car-buying, by aggressively marketing the non-compliant diesel engines as the product of environmentally-friendly XXXX advanced technology, " XXXX XXXX ''. Volkswagen has admitted that they knew about the XXXX issue before I even bought my car. They have deceived my family and have put us all in danger with no remedy. 
I have contacted the Volkswagen Court Settlement hot line, Volkswagen Credit , & Volkswagen Customer Care. When calling no one was able to give me any kind of answer. Had no idea how what or when will anything ever be done for any of the recalls. The Volkswagen Court Settlement hot line was quick to tell me about the loan forgiveness program they have in place. When I asked them if it were a true " loan forgiveness '' why am I paying off the loan? VW gets my car, all the money I put into both my cars and a clear and free title & then I have nothing. Not one person knew what to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
I am complaining about an improper reporting of a 30-day late mortgage payment that was not my fault. I submitted my payment on the loan servicer 's website and received an email confirmation that my payment was received. The next day, I received a second email confirmation that my payment had been processed. 

However, due to an auto-fill function on the website, apparently, my routing number became corrupted which caused a data processing error, and the bank never received or processed my payment. I did not receive any notice of this fact until after the payment was 30 days late, at which time I immediately re-submitted the payment. 

I do not feel that I am responsible for the data processing error which is resulting in a 30-day late report to the credit agencies. I have never made a late payment on this mortgage and otherwise enjoy a perfect credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have sent four letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I filed an identity theft report, and when I tried to get my credit reports, they said that they were unable to process it at that time. The security questions they asked did not relate to me at all that I am aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan payment for Navient is {$550.00} a month. I only make {$34000.00} a year right out of college and I have other bills to pay. My cosigners have no involvement in the repayment of my student loans. I called Navient to find out if I was able to have my payments decreased because I can not keep up with the payments, and they did not help me and told me I do not qualify for a lower payment. They also asked me why my payment was late and that I need to pay it as soon as I can, but with the bills I pay each month and how little I get paid, I barely have enough food to eat. I have tried consolidation loans and keep getting denied because my loan payment is late. I only have my XXXX, therefore I do not understand why my payment prices are as if I went to XXXX School. Please help me and explain to me my options because I am drowning in these payments and barely getting by.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
In  XXXX   XXXX , credit unlimited requested on my behalf that Bank of America remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by Bank of America when I was trying to short sale the property that the lien was attached to. Bank of America could never find the account.      XXXX  removed the account.  XXXX  updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred  XXXX   XXXX  that the original lien was attached to.     2. I do not own any property for Bank of America to foreclose on.
3  . This loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.

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 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 
" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXXFrom : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX District Registry of Deeds, Book XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank , Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said XXXX in XXXX XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts Supreme Judicial Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX ( and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale ( and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in Book XXXX. XXXX XXXX who bought the property from XXXX XXXX XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: Navient Solutions, LLC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
DEPT OF ED/NAVIENT failed to properly report that the account was closed, instead it sent it to collection and it forces me to pay higher interest rates and loose a home before rates went up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Mortgage refinance process is now 8-1/2 months into the loan process ; was told by loan officer it would take 2 months. I have been told I have had clear to closes on at least 3 different occasions during the timeline, yet internal issues/delays with the lender has caused them to push the process back repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: SLM CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In response to many complaints that I have submitted against SALLIE MAE. My name is XXXX XXXX a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

In reference to Account # : XXXX Ive a attached a cease & desist to this complaint and demanding Sallie Mae to cease communication. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium.

The creditor knowingly is furnishing fraudulent information, such as negative inaccurate comments information, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 yrs, or both. 

Im aware that a Charge Off by law is the writing off of a debt and the termination of collection activity without release of personal liability. Im aware that write off is removing this asset from the accounting books. I'm aware that collection activity is Sallie Mae furnishing this alleged debt to my credit report to coerce me into paying this debt. I have not received a 1099 for this and im aware that Sallie Mae is furnishing their adjusted gross income on my credit report because they wrote this debt off. Im also aware that Sallie Mae is furnishing false and misleading information on my credit report because of their actions. So if a Charge Off by law is writing off a debt and the termination of collection activity, why are you still reporting this on my credit report?

So now Im asking for verification of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation