BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
First I have XXXX inquiry 's on all my credit reports. And half of those are shown up to 12 times. I also did not authorize but XXXX people. To run my credit. I reported this month 's ago to all agency 's but nothing was removed and I never heard back from them. I also tried to get my XXXX reports at XXXX and I was refused why? Also I 'm supposed to have a fraud alert on all credit reports so why are the company 's. Allowing inquiry 's without checking with me first?

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 2022-05-20
Company: EQUIFAX, 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:
These information should not be included in my report since I did not make them. I meet the standards for Block and Remove information on my credit report under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been paying back my student loan for 5 years now. I got a warning on my credit monitoring account that my student loan balanced increased by XXXX dollars this month. I then went through and looked at my payment history. My original amount borrowed was {$36000.00}. In five years I 've paid a total of {$31000.00}. The life of this loan is until XX/XX/XXXX ( another 26 years ) at this rate. I will be paying {$150000.00} on a loan that is {$36000.00} borrowed. Which is absolutely insane. I 've called multiple time and Navient refuses to even review my loan or provide any reasoning to why my loan is in it 's current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have XXXX complaints. 1. I attended a school for to be an XXXX. The school XXXX XXXX XXXX closed and did not disclose that it was uncertified? The school Claimed that I would be taught to be a XXXX in 10 weeks. I paid {$12000.00} in student loan from XXXX now navient. 
2. My father co-signed for my student loan and navient refuse to Remove his name from the loan when the agreement called for him to be a co-signer for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
We had a loan with countrywide aka BOA and it was sold to specialized loan services. BOA foreclosed on the property after 5 years. BOA and XXXX XXXX services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.

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 2016-08-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to Chase Bank website to check my refund status and noticed that my refund had not yet been deposited. I checked IRSXXXX with my personal information and I made an inquiry and determined that on XXXX XXXX 2016 my refund had been deposited in to my account. I checked my Chase account and to my surprise it was not in my account as indicated by the IRS. I called Chase and asked why my money was not in my account, Chase bank claimed to not know anything about my refund and suggested I call the IRS. I called the IRS to question my refund - They reported the IRS would have to investigate further - subsequently mailed us roughly XXXX weeks later, we received form # XXXX stating " your refund was direct deposited into the account indicated on your tax return. If the account number on your return was incorrect, you must contact your financial institution to resolve the erroneous deposit. '' All attempts to resolve this matter were met with negative results. It has since been determined that the finical institution ( Chase Bank ) violated their own security policy and procedures by failing to ensure that the name on the account match the names on the IRS prepared deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Student loan originally was with XXXX XXXX, they changed it to Navient. My granddaughter went to XXXX school then became XXXX, had a XXXX. XXXX died on the XXXX. She was devastated, she became XXXX right away, thinking this would help them get over the situation. They could n't afford child care and she was unable to work, had to live with parents. They tried to pay but not enough money. Navient called and hassled me and bullied me frequently, threatened to garnish my XXXX a week job and am on social security but my name was on the loan. I finally got tired of the harassment and bullying, and per their suggestion put it on my credit card. I am XXXX and did n't need the bullying. With the high interest rate the balance remains unchanged from the original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
XXXX Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another Wells Fargo Card with a 4 year credit history. I need ALL of these cards reported to my XXXX Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my XXXX Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need XXXX to report these Lines of Credit that I am an authorized user IMMEDIATELY!

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 2017-03-21
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XXXX is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. XXXX nor XXXX nor Experian are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.

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 2022-05-20
Company: Avant Holding Company, Inc.
State: OH
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:
Unknown person used my Social Security Number and name to open a credit account with AVANT WEBBANK LLC. using a XXXX address - I have lived in XXXX for 30+ years Avant Webbank LLC refuses to close the account or provide any other ( of my ) personal information that was submitted to them to perpetrate this ID theft. 

Avant Webbank LLC will not cooperate except to require ME to provide endless forms and submissions- they also waited over 10 weeks to respond at all to numerous calls and emails. 

I even got help from XXXX XXXX XXXX XXXX XXXX - and Avant Webbank LLC refused to work with them as well - they have ignored or delayed any assistance I have provided Avant Webbank LLC my driver 's license ( XXXX  ), a utility bill ( XXXX  ) and many other documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: SYNCHRONY FINANCIAL
State: GU
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A synchrony care credit allegedly was open on XX/XX/XXXX which has an address at XXXX XXXX XXXX XXXX XXXX. 

- Ive been residing in XXXX since XXXX and had never been in XXXX or anywhere in XXXX - I dont have any idea what a care credit is about and not even Synchrony - My billing address has not change since XXXX. Its the only billing address and I have not moved any place of residence - I was surprise to receive all the papers already from collection - I filed a dispute but the company denied it

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 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Subject : Deed in Lieu of Foreclosure, XXXX, XXXX XXXX, XXXX, CA XXXX Bank of America Loan # XXXX have been assisting The XXXX family on a Deed in Lieu of Foreclosure since XX/XX/XXXX. Wth the advise of customer service from Bank of America I pulled comps and found XXXX lot that sold for XXXX so I proceeded to list the land for XXXX for the 90 days that was advice given to me. We never received a single inquiry on the land for the 90 days. 
on or about XXXX I started getting email communications from XXXXXXXXXXXX requesting many documents which the seller provided. On early XXXX I received a call from a XXXX XXXX, an appraiser from XXXX CA. After going to property he called me and said the property may be unbuildable due to a deep crevice dissecting the lot in half. He said the value is XXXX not XXXX and not the XXXX they paid for it. So I was advised to do a modification of terms on XX/XX/XXXX and changed the list price on XXXX for XXXX. I have yet to get an inquiry on the property. During XXXX XXXX XXXX said she contacted us that the Deed in Lieu of was denied. The XXXX and I received nothing via mail or email regarding the denial. We are requesting a deed in lieu of because, # 1 they no longer can afford the payments and # 2 the value of the property is XXXX and they still owe XXXX. They developer has not completed the improvement on the land as promised. I called the company and they do not answer the phone. Please help this family out and investigate Bank of America 's procedures. XXXX XXXX, XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: NCB Management Services Inc.
State: NJ
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:
In accordance with fair credit reporting act XXXX account XXXX XXXX XXXX. Original creditor XXXX XXXX XXXX. Have violated my rights. 

15 USC 1681 section 602 : states that i have the right to privacy.

15 USC section 604 A Section 2 : also states a consumer reporter agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After the death of my husband on XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys on XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me in early XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over 1 year and 7 months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact with XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date in XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX addresses are not mine : Address : XXXX XXXX XXXX, NY XXXXXXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXXXXXXThe above address was where my ex-wife ran away with the man she had an affair with after our divorce. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX, is my employment business address, not a single family home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
was opened on XXXX XXXX XXXX and closed in XXXX XXXX XXXX by XXXX credit card. This account was defaulted and was reported to IRS which i have paid off through my Tax filling. Now even though the account is closed and resolved. This account has continued to show on my record. This account should be removed from my record entirely.

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 2022-05-20
Company: EQUIFAX, INC.
State: VA
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Medical Society Business Services, Inc.
State: AZ
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 file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After returning from an overseas trip in XXXX of this year and examining my US Bank statement, I noticed a suspicious/unrecognized charge in the amount of {$130.00} debited from my checking account ; a charge for funds that were never disbursed. I immediately disputed the charge with US Bank through their normal and recommended channels, both by phone and by mail, and was denied redress ( US Bank Reference Number XXXX ). As it turns out, US Bank investigated a different ATM transaction than the one I was disputing, one that actually did disburse the funds I was seeking, and then stated that this was the reason my dispute was denied. All subsequent attempts to sort out this error/confusion, and direct their attention to the actual ATM charge in dispute, have been to no avail ; I am being effectively stonewalled at this point.

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 2022-05-20
Company: Collection Bureau of Fort Walton Beach, Inc
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Company MUST provide signed agreement between I XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX You claim the Debt is valid although you have not shown proof and you only provide hearse information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: URS Holding, LLC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Reviewing my credit report, I found that I have an account for collection from some agency. The original debt was from XXXX XXXX XXXX for {$87.00} and was posted for collection on my credit report on XXXX XXXX, 2015. I 've never done any business with XXXX XXXX and called them to inquire about this, they helped me out looking for any account opened in my name for the past year and they did n't find anything. I do n't know what else to do because I want to clean that bad report from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation