BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: EQUIFAX, 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 mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX XXXX navient student loan.. XXXX XXXX school XXXX XXXX NY and XXXX XXXX XXXX NY..Loan is in default because i 'm unable to pay the amount. Their asking me for more than i make in my paycheck and its impossible to give a down payment of {$10000.00} and pay {$500.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My problems with my lender are so compiled. In XXXX I refinanced with Countrywide and I set up an escrow impound account. In XXXX I received notice I was in Tax Default for taxes not paid XXXX. I called my lender ( Bank of America ) and the gentleman on the phone in the escrow dept. Informed me that they used my impounds to pay a different parcel and that had to increase my mortgage pmt by $ 200+ mo to make up for their error ( for the next 12 mos. ). My mortgage payment on my note is {$1700.00} the payment now incl. Impounds {$2300.00}. My taxes {$3900.00} yr. My insurance {$780.00} yr. So since XXXX My lender ( COUNTRYWIDE, BANK OF AMERICA, XXXX, XXXX AND XXXX MORE TRANSFER I CANT REMEMBER ) has been comp letely mishandling my impounds, they refuse to work or even talk to me. They are harassing me about forclosure because I told them that until this is straightened out I will not be throwing more money away. This is out of control. With all of the penalties, late charges, interest and so on my calculations on this piece alone ( there are several more problems ) appear that I am owed close to {$60000.00}. I have been ripped off. Misled and Im spoken to in an awful tone. I will not throw not XXXX cent more to these vicious thieves. They will not touch my property. THIS IS WAR!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I 've been enrolled XXXX at XXXX ( XXXX, RI ) for the past few semesters and have been successfully able to defer my private student loans. Unfortunately, this semester a course that I am required to take was not offered at XXXX XXXX. I needed this course to apply to XXXX so I chose to take an online course through the University XXXX ( XXXX, XXXX ). Even though I was enrolled XXXX between these XXXX universities, I was told by my student loan servicer ( Navient ) that I was not eligible to defer my loans because I am taking classes at more than XXXX school. They told me that in order to defer, I would need XXXX school to report me as XXXX, which neither school was willing to do because that would technically be inaccurate information. I submitted documentation from each school verifying my enrollment but I was still denied the ability to defer. I am now behind on payments since I was unable to afford tuition and pay my loans at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have previously sent PORTFOLIO RECOVERY ASSOCIATES a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges that PORTFOLIO RECOVERY ASSOCIATES claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
We have paid several different companies ( XXXX in Florida took over {$600.00} out of our checking to assist us ) to help us get rid of these XXXX student loans. XXXX is in the name of Father and XXXX is in the name of Son. The Ombudsman with U. S. Dept. of Education informed us, that both of these loans were used for our Son, who experienced a motor vehicle accident ( XXXX ) and NEVER received a DEGREE of any kind from XXXX, LA. To this Day, we have on our Credit Reports both : 1 ) XXXX 120 days overdue ( but the bill I get has Amount Due XXXX ) and 2 ) Navient 120 days overdue. How is it, that WE now OWE both companies. 
These loans should have been forgiven, as Son does not work, and father is UNEMPLOYED. This agency needs to control XXXX XXXX and all Loan Servers. Many parents with children, who want to go to college, is not fooling anymore with XXXX XXXX, who only wants to ruin your credit, will not cooperate, and are quick to turn you to a collection agency. Due to this situation, WE can not STAND the STATE of PENNSYLVANIA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
During the perioid of XX/XX/XXXX to XX/XX/XXXX I was going through hardship being a single mom, trying to further my education plus being on the system. I struggle a lot with XXXX. I applied to have to loans payment reduce or pause until I was able to pay all bills on time. To my knowledge this was done. Finally 2-3 years later I am able to start paying some amount which is at a fixed rate, but what was not disclose to me is that XXXX XXXX or Navient report me last 90-120 days on my credit report. I barely have money, now I barely have credit!!! Also a victim of Identity Theft I been fighting now over a year to have my credit fix. I been fighting with the bureaus and now Navient that I was never late paying my loan, I filed the correct payment hardship so I would not be penalize for my struggle. I have gotten no where with the credit bureaus and also Naveint. This have place such a depress tole on my life I am thinking of filing bankrupt just to get some ease. I wish to just have the late payment marks on my credit report remove and the correct payment history I reported. I am not running for what I owe I will always repay any help from my Lovely Country but this is not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have multiple errors on each credit bureau about XXXX on my credit report. I have sent the proof to them on the errors on each credit report showing that after the investigation there are still errors. According to FDCPA SECTION 807 this is a violation of misleading false reporting. Also i disputed inquiries on my report that i did not authorize and they do not want to remove it from my report. These are violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX ( Arizona XXXX ) recorded a deregatory item on my credit report acount # XXXX. I called XXXX XXXX at XXXX XXXX and he has the detail that the item was paid off back in XXXX XXXX, 2014 but yet the item still remain on my credit report. Please help me remove this item from my credit report. 

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 explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: World Acceptance Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
World Finance refuses to discuss the debt being fraudulent. I have never heard of them or received a bill from them. I know this is fraud but they refuse to take this off my credit report and it is hindering my request for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Convenience checks

Complaint:
Bank of America sends me checks in the mail each month as part of a promotional effort to reduce credit card rates. I have told them that I do not want these checks sent to me, and they continue to send them. How can I get them to stop?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like the credit reporting companies to update their reports. I have been paying this debt for quite some time and it is now satisfied. I would like it removed from the 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 non-monetary relief
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 WAS GOING OVER MY CREDIT REPORT THE OTHER DAY AND NOTICED THAT COMPANIES THAT I DIDN'T GIVE PERMISSION HAD PULLED MY CREDIT.

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 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Other

Complaint:
I became aware of several charges on a Bank of America card. I contacted Bank of America asking them to validate the debt. They did not respond. Account was removed from my credit reports. Bank of America still reported the debt to the IRS.

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 2015-08-04
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I applied for 3 private loans while XXXX XXXX at The University XXXX XXXX XXXX. My loans have been serviced through AES : American Education Services. I set up a payment plan and automatic debit for these loans when my first payment was due. I was in school half-time from XXXX, and the school apparently submitted this information to the clearing house and AES deferred my payment, and lowered my payment to a point where it was n't even covering the interest rate. They said they sent me a letter about this, but I do not recall this, nor did I give my permission to do this in the first place, as I thought private loans were n't able to be differed. I was working full time and going to school part time and would have been able to make the student loan payment just fine. Now I 'm looking more closely at my loans and discovered the principal balance on XXXX loan is XXXX more than my original balance. On the XXXX loan is XXXX more than my original balance. I feel that I 've been paying and never had a late payment on these loans, and they have increased my balance when I did n't understand or did n't even know about this deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
OnXX/XX/2023, at XXXX XXXX XXXX. I loaded {$400.00} onto a Visa Vanilla Gift card, with the activations receipt included informing me that it was activated on XXXX end. I attempted for 20 minutes to activate and check the balance on their phone system and website. When I finally got through to customer service after 30 minutes, they informed me that my card was not activated correctly, but XXXX informed me that everything went smoothly on their end to activate the card. Vanilla could not manually activate my card and told me to send in my receipts and drivers license to make sure everything matched up. They also informed me it could take 30 days to receive any kind of answer or response from the company ( XXXX ) that handles these investigations. I bought this gift card in good faith that I would receive my money immediately after purchasing. I have attempted to contact my bank to see if they can issue a charge back, and submitted a complaint on the Better Business Bureau website. I am just looking to get this situation fixed and my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recieved over 250 calls from this collector, but no debt validation letter, i was not given any types of notices prior to this collection being placed on 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 explanation
Consumer complaint received 2018-05-28
Company: ABR Recovery Services LLC.
State: KY
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:
ABR Recovery continues to report false information on my credit report. They claim I owe them on an account that I had previously paid with another creditor. 

I have tired of this company continually violating my rights under the FCRA. I have disputed this account at least 5 times with XXXX since XXXX. XXXX states that ABR Recovery Services continues to submit this information. 

I have submitted multiple complaints concerning this issue on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

This false report has cause my credit score to decrease and has affected my ability to gain credit. How many times will this fraudulent activity continue to be allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted all requested data to the Bank of America Loss Mitigation Department and my request was denied. I submitted an appeal and my appeal was denied. My husband passed away in XX/XX/XXXX, the only income I have is {$1800.00} in XXXX. {$800.00} in pensions and {$400.00} from a boarder. My current mortgage is interest only, {$2700.00} per month interest only. I also have regular expenses ( auto payment and insurance, utilities, etc. ). I am currently supplementing my expenses by depleting my IRA. My mortgage is scheduled to jump to {$3500.00} per month in XX/XX/XXXX yet I can not get BOA to modify my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: NY
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:
Equifax has violated me under 15 USC 6802, subsections and b, by sharing my non public information. Equifax has also violated 18 USC 242 under color of law for willfully and knowingly supplying inaccurate, unlawful, and private information which is depriving me of my right to extend credit as a consumer. Attach with this complaint is a copy of the affidavit I certified mailed Equifax detailing ALL their violations and they have not resolved the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
my name is XXXX XXXX, I had a payday loan in 2011. I had an ach debit account through Bank of America, I ask bank of America to close the account and they did so, but they allow the payday loan people to continue to try to debit my account which was inactive. so they keep charging me overdraft fees for monies that was not in the account XXXX worth of fees now they have reported my name to XXXX and I can not open up an account, this is unfair, 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 monetary relief
Consumer complaint received 2016-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In XXXX 2011, my mom and I purchased a multi-family house in need of renovation, from Bank of America for $ XXXX in a short sale. At the time, the Bank of America loan officer handling the short sale ( XXXX XXXX XXXX ) told us the house would not qualify for a financing via a conventional fixed mortgage with 20 % down, due to the condition of the property so he arranged an FHA loan, even though we had enough cash on hand to buy the property outright at the time and would have preferred conventional financing. The FHA loan came with a mandatory 5 yr PMI payment that we were told we could remove once we reached the 5th year by providing documentation of the increased equity value from the renovations we were undertaking and paying for a new appraisal to verify the improvements. To date, we 've improved the property by more than {$95000.00} in materials and restoration work. At closing when we asked again, the Bank of America loan officer repeatedly assured us that upon presentation of the completed renovations including all new windows & door, new porch, new deck, new kitchens, new bathrooms, new plumbing, new hot water heaters, new furnace & updated electric, we would be able to remove the PMI. It has now been 5 years and upon contacting Bank of America, we are being told something entirely different. They say we can not remove PMI unless we make an equity payment of a lump sum to bring the loan value to 78 % of the original purchase price & appraisal value ( which is significantly undervalued because of improvements ), even though we were specifically told otherwise as we went through the loan process and also upon closing. This is not what we agreed to nor did we sign anything that said that.

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 2021-08-27
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: Account information incorrect

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXXXXXX FL XXXX SSN:XX/XX/XXXXDOB : XX/XX/XXXX I challenged these accounts with Experian and they sent me an Email saying that the information was updated. 

Experian reports : 1 ) XXXX XX/XX/XXXX Closed 21 potentially negative months Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$4600.00} Closed XXXX XXXX, XXXX ( According to XXXX ) The account was closed and there should not be all those late payments ( CO ) after it was charged off and closed. 
It is a violation of the FCRA and the FDCPA and should be removed. 

2 ) XXXX XX/XX/XXXX Closed 9 potentially negative months Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Closed XXXX. XXXX, XXXX ( According to XXXX ) The account was closed and there should not be all those late payments ( CO ) after it was charged off and closed and even after it was settled and paid they reported CO in XXXX and XX/XX/XXXX. 
It is a violation of the FCRA and the FDCPA and should be removed. 

Thanks 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 explanation