BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Bank of America ( aka Merrill Lynch ) hereinafter referred to as " the Bank '' issued to me a credit card years ago. ( Credit card ending in XXXX - last XXXX digits ). At all times the consumer credit relationship was well managed with timely payments at all times. XX/XX/2015 I abruptly terminated a Wealth Management Investment Account with Merrill Lynch for frivolous, unauthorized trading by my Merrill Lynch Financial Advisor. Shortly thereafter, without notice or my prior authorization, Bank of America/Merrill Lynch closed my consumer credit card ending in XXXX. Then, and again without consumer authorization or prior consent Bank of America unilaterally opened and assigned an unwanted new consumer checking account ending in XXXX, Without my authorization Bank of America allowed previously authorized automated payments from the XXXX account to flow to the XXXX account for which I had no prior knowledge that the account existed. To this day Bank of America has not communicated the issuance of this new account. I became aware of this unauthorized Bank of America credit card when a accoun statement appeared in the mail, and ; when when XXXX+ FICO score was impacted by a tri-bureau inquiry performed by Bank of America for opening of the unauthorized account. 
This maneuver has the appearance of unethical business practices by Bank of America in direct retaliation to the terminated Merrill Lynch Investment Account for the unauthorized and frivolous trading conducted by the Merrill Lynch Financial Advisor which was ultimately investigated by XXXX and resulted in consumer restitution.

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 2021-09-06
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have applied for PSLF. My loans ( 1 & 2 ) were transferred to FedLoan Servicing in XXXX of 2021. 

I am concerned with how the Payment Counts differ, 17 & 55. These are consolidated loans, and payments were made on-time and were in an income-based repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-04-20
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was misguided to enter into forbearance and only finally entered into the Income Based Repayment Program in XXXX. 

In XXXX the Income based repayment plan was made available and I should have never enter into this instead, which would have significantly reduced my current burden. I have been flagging this issue of being misguided into this step and seeking to retroactively shifting my forbearance status for a long time both in written form and via phone calls, but this has not been possible. However with the changes announced XX/XX/XXXX by the Biden Administration regarding a review of forbearance status in situations where students were misguided, I want to ensure that my records are reviewed as this was exactly my situation. I am about 2 years away from being able to submit my application for PSLF and this review on the months related to forbearance would be pivotal in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: CA
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 submitted three complaints about XXXX XXXX XXXX, XXXX which issued a fraudulent Administrative Wage Garnishment to my place of employment. As a third-party debt collector, they do not have the authority to perform such an action. XX/XX/2016, after the matter remained unresolved, I called what I was told was XXXX. XXXX XXXX XXXX , XXXX claimed that it was operating on behalf of XX/XX/XXXX. After reaching agents in XXXX and requesting to be transferred to a site in the United States, it became clear that I was speaking with Navient, not XXXX. Navient claimed that it is operating on behalf of XXXX. Since Navient is not a guarantor, it similarly does n't have the right to issue an Administrative Wage Garnishment. I requested that Navient provide debt verification or validation. Navient has not done so. Navient is not the holder of a student loan account, and I have repeatedly informed Navient that I do not owe on student loans. The name provided for me is incorrect, and I have demonstrated what my legal name is. I feel that Navient is engaged in identity theft. Had I had student loans and had Navient fka XXXX served as the loan servicer, Navient would have needed to have provided me with payment stubs, the opportunity for IBR and PSLF, and some form of documentation. My only vocation has been a teacher ; therefore, there is no excuse for Navient 's claim that I have a defaulted loan. I have not signed any loan documents, and I did not receive any loan proceeds to attend college. It is not acceptable for Navient to represent itself as XXXX, and it is not acceptable for XXXX XXXX XXXX , XXXX to act on behalf of Navient, while claiming that it is acting on behalf of XXXX. I have filled out an FTC Identity Theft Report, and I want Navient held accountable for their illegal and fraudulent practices. People in this country are committing suicide and suffering from extreme poverty due to the actions of these hideous individuals destroying the financial and ethical fabric of America. The most recent fraud against me happened after erroneous information was listed in my credit report, and XXXX XXXX XXXX, XXXX accessed my information on XX/XX/2016. Although I am working with the Credit Bureaus to have this information corrected, action needs to be taken against Navient for its involvement in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I spoke with Transunion today, X/XX/2017, asking them to remove XXXX credit inquiries I did not authorize. I was told I needed to get a letter asking the that the inquiry be removed, from the company who pulled my credit report. I authorized XXXX XXXX to pull my credit report. I was very specific about my credit report only being pulled one time. Instead my credit was pulled by XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. In addition XXXX XXXX has pulled my credit 4 times in 3 months, XXXX pulled my report and XXXX XXXX XXXXXXXX. I did not authorize any of these credit pulls. I have a fraud alert on my file due to ID theft and Transunion still lets just anyone pull my credit. At no time did I receive a call asking if I had authorized these companies to pull my credit report. What is the point of placing a fraud alert on my file if it is just going to be ignored!

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 2017-07-10
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:
AROUND XXXX 2017 I FILED A COMPLAINT WITH THE CFPB IN REFRENCE TO HELP WITH FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I LIVE IN ALABAMA AND THERE WERE ACCOUNTS ON MY CREDIT REPORT FROM A DIFFERENT STATE. XXXX XXXX NEVADA. ALSO A FRAUDULENT CHAPTER XXXX UNDER MY SS # THAT WAS REPORTING AGAINST ME IN XXXX XXXX NEVADA. THERE WERE 4 ACCOUNTS ATTACHED TO THIS CHAPTER XXXX. XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX XXXX. ALL WERE REMOVED BUT XXXX XXXX AND XXXX XXXX. ALL WERE INCLUDED UNDER THIS FRAUDULENT CHAPTER XXXX SO ALL SHOULD HAVE BEEN REMOVED. THE XXXX XXXX AND XXXX XXXX IS STILL REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a loan that was on Identity Theft & fraud by XXXX XXXX XXXX that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for  corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them. 

Fraud & Theft on the instrument for the Deed of Trust

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 2020-06-18
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

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 2022-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Chase : Suspicious login attempt has been detected on your account visit https : //sflexurl.com/chase.com-updateyourinfo to restore access. 

I received this text on my mobile phone from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
An unpaid due amount appeared on my statement ending XXXX XXXX. To me this is impossible since I do online banking and have authorized my bank to pay upon receipt of the e-bill. The credit card services section and bill pay/online banking are with the same major banking corporation. After several phone calls and going up the chain my dispute has not been solved. I had asked card services to remove the unpaid amount from the statement. They continually tell me that my XXXX payment has not been received and that they can not remove the amount. What I thought was a refund of the past due amount actually was treated as a cash advance. I have had XXXX managers in card services tell me that this was a banking error. According to card services the bill pay section made my payment early, XXXX XXXX, which happened to be the ending date of my statement. Therefore, it was credited to the previous month. I contacted bill pay/online banking and asked about when the e-bill was received and paid. According to bill pay the e-bill was created on XXXX XXXX, 2015, received by bill pay on XXXX XXXX, and paid on XXXX XXXX. 
Card services resolution is to reduce some of the interest charges, removal of late charge fees, and pay the overdue charge on a date in XXXX that I can not remember that was told to me. They also suggested that I pay the current minimum due and continue to carry the overdue amount. Neither of these solutions are acceptable to me especially the last XXXX. Carrying an overdue payment for months will ruin my credit rating which, in turn, I will have debt collectors. The bank that I deal with has received government bailout money and I consider my situation to be fraudulent also. Any help that you can give me would be greatly appreciated..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a loan with Navient I have been paying for almost tens years by sending in a check in the mail for the proper amount, sometimes double. The check processing company has lost checks and held checks for months and then charged me bogus late fees. I have sent in bank statments to Navient to show that they are messing with my payments but they try to say that they were never received or received late. They now say I am {$600.00} late even though I have sent in a check every month for tens years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion is still reporting one of my three student loans with XXXX as not current and 60 days past due both XXXX AND XXXX are reporting correctly. Someone needs to take a serious look into TransUnion none of their representatives are based in the United States and they do not understand the simple idea of student loans and how they work this is affecting my ability to qualify for my home loan and will cause me to not have a roof over my head please address ASAP!!

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 2022-04-20
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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / 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 2015-10-19
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX filed bankruptcy following me attending the school. I did not acquire any credits and they are currently in litigation for bankruptcy court. I need to have my loan forgiven to help me purchase a home because I figured out early on that none of those credits transferred so they took my money and ran even though they did say they transferred. It was just a money scam from a so called school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

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 Accounts has violated my rights. 

( 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 XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnish an account without my written instructions.

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 2021-09-06
Company: EQUIFAX, INC.
State: GA
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:
As cosigner on a loan I was notified after the payment was late ..under 30 days ... and paid the loan off myself over the next 90 days. The loan does not show any online payments on my credit report only 1, 30 to 59 day late payment when the pay history other than the one instance was perfect. Reported fraudulently with bias against myself by the lender and must be removed entirely due to violation on fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Home was foreclosed on XXXX 2016 by Bank Of America. I was making my mortgage payment monthly and was not behind on my payments. I have contacted my mortgage company and requested they modify my home mortgage and rescind the foreclosure. 
Bank Of America is the Investor for my mortgage and XXXX XXXX Loans is the servicer

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 2016-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has inquiries on my credit report that do not belong to me. I never authorized the following inquiries. XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was unaware of the inquires until viewing my credit reports. I have attached a letter from XXXX Bank for XXXX. When I had them to send the letter to XXXX, I was unaware that it was a XXXX inquiry on my Experian report. The other organizations informed me to dispute directly dispute with Experian. I am asking Experian remove the fraudulent reports. Also, I noticed that one of the addresses that you have listed as XXXX # XXXX XXXX XXXX FL XXXX. This address is not correct, please delete.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX FL 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 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 an account without my written instructions.

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