BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Other problem getting your report or credit score

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 XXXXXXXX, 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, Trans Union or XXXX 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 XXXXXXXX. 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. 
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 2015-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
my ex husband got my in a joint account with Bank of America he filed for chapter XXXX he forced my signature when I filed for divorced back in XX/XX/XXXX is when I found out of this Bank of America because I opened XXXX of his mailed and he was going to the bank that day to take a line of credit and I went to Bank of America here located in XXXX XXXX and I told the lady no money needed to be given to XXXX XXXX XXXX I did not authorized any line of credit against his house he took in my name without my permission now this was filed on his chapter XXXX and is now showing on my report experian report # XXXX I am contacting Consumer financial protection Bureau to help to delete this record from my credit repot I XXXX XXXX XXXX-married last name Now XXXX main name after I divorced this XXXX man XXXX this account is now closed he filed for his chpater XXXX I do n't know what he did I want this to be deleted from my credit since is closed please delete this from my creditAccount nameAccount numberRecent balanceDate openedStatusBK OF AMERXXXX 
Not XXXXXXXX, closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification numberXXXXTypeMortgageTerms30 YearsCredit limit or original amount $ XXXXXXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXthen this is XXXX on my report with this another lender who took this account from Bank of america XXXX accounts need to be deleted from my credit report I XXXX XXXX XXXX XXXX XXXX consumer protection this account is now closed need to be deletedAccount nameAccount numberRecent balanceDate openedStatusXXXX .... 
Not XXXX, Closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification XXXX XXXX XXXX YearsCredit limit or original amount $ XXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXYour StatementCO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am in the process of repairing my credit and have sent over disputes of items that are reporting negatively on my credit reports. XXXX of the companies I submitted a dispute to was Equifax. I received a letter from them today stating that an investigation was completed and they received a information from a third part vendor called XXXX. Mind I have a security freeze that 's been in place since XXXX/XXXX/XXXX and the investigation was done and completed XXXX/XXXX/XXXX so how it is possible for them to verify information that is not available to them. I also noticed that a bankruptcy from XXXX that was not on my report prior to this dispute has all of a sudden re-appeared on all XXXX credit reports and since this dispute I have been receiving harassing phone calls from creditors whom did not have my information to being with. I verified that XXXX has my account on a security freeze since XXXX/XXXX/XXXX and they did not provide information to Equifax. This is under handed reporting is very unprofessional and has caused myself and my family more financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The issue I am having with Navient, is that on several occasions they have continually not processed information correctly, most recently my forbearance that was to be from XXXX XXXX through XXXX XXXX. I have called them several times to get the forbearance processed correctly and keep getting the run around. Currently it says I am past due with them, but I should not have a payment due until XX/XX/XXXX. I contacted them XXXX/XXXX/XXXX and was granted the 3 month forbearance. Subsequent contact was by email XXXX/XXXX/XXXX with no response, and phone calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. Every time I spoke to a representative they blamed the previous for not doing their job correctly and swear they fixed it with end result still being that the account is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which XXXX, placed my XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: GA
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:
My student loans were transferred to Navient from XXXX a few years ago. I was notified by Navient on XX/XX/2016 that a parent plus loan went into deferment on XX/XX/2016. I immediately notified them on XX/XX/2016 that I did not want this loan to be in deferment. This payment was part of a loan credit program reducing the interest rate 1.5 %, but because I missed a payment because of their late notice to me this loan credit was retracted. They also charged me {$83.00}. I was not aware that when my daughter returned to school for a master 's program that when she placed her student loans into deferment the parent plus loan I have would also go into deferment. I have asked them in writing to reinstate this credit because I had no opportunity to ensure the payments remain consistent, but they have denied this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax required that I purchase their service package of {$17.00} a month before they would help me with any request I had. They charged me for obtaining info about my own account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been assigned a single point of contact with Bank of America. XXXX XXXX is the assigned contact. I have left XXXX voice mails and sent daily emails for the last 41 days without a response. I received multiple letters on XXXX XXXX from Bank of America that I was approved for a loan modification and also that I have received only XXXX modification. They are attempting to mislead me and not provide me with the loan medication they promised.

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 2016-04-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Related case # XXXX Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

tel:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We recently we received our discharge of bankruptcy in XXXX 2016. Shortly after receiving the discharge, we received notification from Bank of America that they will be increasing our mortgage payment from {$1700.00} to {$3200.00}. We contacted BOA to either refinance or obtain a loan modification. We were told since we just completed a bankruptcy they could not offer us an option to refinance our home for another 2 years, so we opted for the loan modification. After completing their process, they submitted to us their version of a loan modification. They sent us a congratulations letter stating we were approved for a monthly amount of {$3200.00}. We asked for them to re-evaluate their figures. We can understand they need to accommodate their investors by receiving both principle and interest. Since we know this is an investor situation because BOA does n't even hold the Deed of Trust on our property and neither does their subsidiaries. At some point they purchased our loan, because it was a predatory loan.

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 2015-07-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Have been a victim of Identity Theft and even have an alert on all XXXX reports. Someone is running my credit for credit cards, bank accounts, and loans which is impacting my credit score and increasing my inquires. The inquires from equifax was once removed and then added back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act Department OF EDXXXX XXXX XXXX XXXX XXXX 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

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 2016-11-17
Company: Navient Solutions, LLC.
State: FL
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:
My loans are currently being services by Navient. Old loans from XXXX were transferred to navient, in addition to new loans being serviced by them as well. XXXX billed me, with a due date of XXXX/XXXX/16, and I paid them. Soon thereafter Navient sent me a bill. My payment to XXXX was not forwarded or processed. I contacted Navient on XXXX/XXXX/16 and was told it should transfer. Now on XXXX/XXXX/16 I still have no credit and the account reflects a payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: MD
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 read that the CFPB is suing XXXX and Navient. I believe that XXXX steered me toward forbearances instead of offering me lower payment plans. This occurred at least three times. I believe they tried to cover this up when the company split, and I was placed with Navient. If I look at my transaction history, all of my forbearances are listed as " adjustments '' and not forbearances. However, the cost of a forbearance was {$150.00} and lasted for 2-3 months. So, it is easy to see that each " adjustment '' was a forbearance. I believe the XXXX dollars of accrued capitalized interest on my principle could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a collection on my credit report and it was verified with Equifax. I sent a debt validation to the collection company. The collection company sent me a print out on their letter head, using my current mailing address, my first name, someone else last name. This was previously deleted because the collection company could not verify. I have never had an account with XXXX and I have no idea who they are. I find it odd that Equifax can verify this and our last names do not even match.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the last few weeks, we have gotten numerous calls, from Navient. They ask for a person named XXXX XXXX. I tell them no one by that name lives here, and to please take my name off the list. They agree they will, then the next day they call again. This has happened at least 4 times that I remember. 

Today, an operator named XXXX told me that XXXX has given them our number as a contact. I said, " So you can contact him at another numer, why do you keep calling me? '' She refused to answer. 

She called from an office in XXXX, and from Navient 's website, I see they service student loans from that office. Her supervisor is XXXX XXXX, XXXX Collections Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Since we are requesting modification which caused me to fall behind on my mortgage payments I would like to be considered for a loan modification to decrease my payments fix my interest rate at a lower rate or increase the loan term and recapitalize or forgive the delinquent payments our loan transfer from XXXX after XXXX time package we submitted to lender than we are start submitted new modification XXXX times with new lender Select portfolio servicing and we never got any help or modificationIn order to get me caught up and prevent future delinquency My main goal is to keep my home for the long term we hit hard times recently and fell behind on our payments because bad loan term bad rate and financially hardship Since that time, we work hard and hardship is over and we improving every months My income is now improving we need help to modify my loan to keep family home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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:
Im writing to have several negative accounts removed off my credit report I have a lawyer and all matter are currently in litigation ( XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so i want all negative items removed immediately ... Plus Im fully aware of all my rights Under the Fair Credit Reporting Act. The Law 15 USC 1692 Under federal law you have to provide a method of verification and there was no proof of verification used to Verify these accounts so legally u have to remove all items and i want all negative items removed heres a list of all items XXXX XXXX XXXX XXXX Remove XXXXXXXX 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 XXXX have A attorney all accounts are in litigation there incorrect i i WANT THEM ALL REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I applied for my free credit report via annualcreditreport.com, as I do every year. I have been unable to get an online version from Equifax since XX/XX/XXXX. ( XXXX and XXXX have no problem with my online report. ) In XX/XX/XXXX, I sent in my written request and had to follow up two more times before I received it. 
In XX/XX/XXXX, I sent in my written request and had to follow up once again before I received it. 
In XX/XX/XXXX, Equifax would not even let me get to the identity-verification questions online, and I was told to send in a written request. ( I was about to travel for work and was not able to send it in. ) Now, in XX/XX/XXXX, Equifax again will not give me online access, and I again look forward to the hassle of requesting it through the mail. 

I have not changed addresses, I have not changed my name, and I login from home. There is no reason for me to have such additional hassle to get Equifax to comply with my request. It seems they want to make it as difficult as possible, in hopes of discouraging users from getting their files, and I suspect they are attempting to avoid their legal requirement to send consumers their reports. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Other

Complaint:
I sent Bank of America a letter XXXX XXXX, XXXX which I got from the Credit Card Agency stating that I have no money to pay and that I 've become totally & permanent XXXX. My XXXX income are totally used up covering my minimal expenses. I asked to close my account, cease and desist from all future attempts to collect on my balance. Do not attempt to contact me by phone and do not discuss or contact anyone regarding m account. I received a letter XXXX XXXX saying they 'll stop communicating and updated their records. Said collection calls & letters have been suspended as I requested. I sent in a complaint XXXX/XXXX/XXXX to submit a complaint about contacting the credit card and consumer reports. In their response they also said my card was still valid. Said credit was extended to me, and this constitutes an extension of credit under federal law and is governed by federal and applicable state law. I did go over my limit when I had to pay for gas. I did n't ask them to up it. I was paying minimal to get it paid off. The interest rates were going up slowly and slowly. Said I was a customer since XXXX. I 've been a customer since 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