BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
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:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My ex-wife and I purchased a house XXXX in XXXX, OH. We divorced in XXXX. At that time I deployed. My ex-wife made several attempt to sell the house which did not happen. We also attempted to short sale the home through Bank of American. Bank of America gave us the run around XXXX consecutive times. The last time they assured us that the process was in review and never contacted us. We still have the house under our name even though the bank currently has the key. I forwarded the bank our divorce decree showing that the court orders us to surrender the property back to the bank. I have not been back to the residence since XXXX. This has affected my credit since this process started. I am currently deployed until the end of XXXX XXXX. I will provide any documentation upon request via email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I repeatedly asked for my options on income based repayment options while I was unemployed and again when I was underemployed but none of the options would make my payments low enough to not take up half or more of my monthly income. The only option I could afford was to sign up for forbearance. I asked about consolidation of my loans and could never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was given a fraudulent check through a person i met through XXXX. I deposited the check through my bank account via Bank Of America, they took a day to process, which was approved. so i proceeded to do as the person asked which was to pay bills, and two days later Bank of America decided that the check was apart of a fraud. They did not warn me or approach me of the activity going on instead i had to find out myself. they are unwilling to work with my situation of unknowingly depositing a fraudulent check. yet even then they still approved a bad check, and two days later decide that it is n't what they thought. i have never heard of a bank having a policy in this sort, instead i have known of banks not allowing right away for a fraudulent check to be approved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
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 information incorrect

Complaint:
Equifax  has not updated all my accounts,   XXXX   XXXX   has a balance of {$290.00} and has since been paid before due date of XX/XX/XXXX  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.   XXXX   XXXX   confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked Experian, XXXX, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed 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 2017-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I cosigned for a private student loan in 2009 for my sister. The loan was originally XXXX. It has since almost tripled in interest. My sister has graduated and is working as a XXXX to pay her bills. I reached out to XXXX XXXX ( now Navient ) on several occasions to be released from the loan. I was told I had to make 12 consecutive on time payments and I could be released, but I could n't make those payments in advance. So I have been having a hard time trying to maintain my sister 's loan payments and mine ( I currently have federal student loans from a different service provider ). They would not allow my sister to make income based payments, instead they wanted to use my income. I do n't understand that logic since I am not the primary person on the loan. Needless to say, we are now 3 payments behind with no relief in sight and it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My mother passed away over a year ago and I have been trying ever since to get someone at Bank of America to act on documents giving me, as her court appointed personal representative, access to a small personal IRA she kept at the XXXX, Florida branch for many years. I have visited the bank XXXX times in total since my mother 's passing with all the required legal documentation and personal identification necessary to enable me to legally distribute the IRA 's contents to the heirs as stated in her will. However, to date ( XXXX XXXX 2015 ), I have yet receive anything other than a Patriot Act form that asked me to state that I was indeed a citizen of the United States ... a bit of information I have already submitted XXXX times. I have tried contacting both the managers of the XXXX branch and of the downtown XXXX office by certified mail only to have my letters returned ... unopened. I feel I have been more than patient in my efforts to get someone at Bank of America to act on a simple request for access to an account that I am legally entrusted to collect and distribute. Can anyone here help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: TX
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:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In XXXX, XXXX, Navient sent me an update of my loans status. I had XXXX loans at that time. I had monthly payments of {$82.00} for the months of XXXX and XXXX, XXXX and the payments were to reduce to {$47.00} starting in XXXX, XXXX to XXXX XXXX XXXX. On XXXX/XXXX/XXXX they sent me a congratulatory message because I had paid off XXXX of my XXXX loans, and a couple of days ago they sent me another statement listing the XXXX loans that I need to continue paying. The shocking thing is that my monthly payments have increased to {$100.00}. I am supposed to make these monthly payments to sometime in XXXX. I called them yesterday, XXXX XXXX, XXXX seeking an explanation why my monthly payments have increased yet I have paid off some of my loans. The gentleman I spoke with gave me a very unsatisfactory answer stating that my loan terms had changed. He could n't explain why yet I have been making my payments faithfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
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:
Navient pushed me to take forbearance on my loans. Navient aliso never reminded me when it 's time to re new my pay as you earn income plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I think it is a collection agency that is calling for a medical bill. When I answer they either just hang up or ask me for the last XXXX digits of my Social Security number which I will not give. They will then ask for my birth date which I will not give either. They will not tell me who they are or what company they are from. They are calling both my home number and cell XXXX times daily. That is XXXX times a day. They start at XXXX. They call from several different numbers. They all begin with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A year ago, my financial advisor of 25 years left Merrill Lynch and went to XXXX. He told me XXXX would not accept the transfer of my account because I resided in XXXX. Merrill kept the account and last month send me a letter saying they were closing it in 30 days ( actually 3 weeks from my receipt of the letter ). I sought an extension until XXXX XXXX and they concurred. The account includes my IRA, etc. I have spent the last month trying to find a bank where I could transfer the accounts. XXXX, XXXX XXXX, XXXX, etc. have all refused. I have no idea what to do with the IRA. I take minimum annual withdrawals. I am a US citizen, a retired senior XXXX. I vote in the US, pay US taxes and receive social security and a XXXX pension.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

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 2022-07-13
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been a mortgage servicing customer ( for my residential home ) of Primary Residential Mortgage, Inc. ( PRMI ) for about a year with autopay setup from my XXXXXXXX XXXX checking account. 

On XX/XX/XXXX, I went to PRMI 's website/ payment portal to switch the bank ( from XXXXXXXX XXXX to XXXX ) from which the payment was to draw ( scheduled for XX/XX/XXXX ). The website told me it was too close to the payment deadline for me to switch banks. I decided to call PRMI for help. 

The loan servicing agent told me she could help. She helped me make a payment by phone ( from XXXX ) and told me by doing this, the payment from XXXX XXXX would automatically cancel. Being completely satisfied, we ended the call. This call was recorded and has been listened to by PRMI. 

On XX/XX/XXXX, PRMI pulled payments from both XXXX XXXX and XXXX. I called PRMI, and they advised I call XXXX XXXX to issue a stop payment. I called XXXX XXXX and they told me the payment would be automatically stopped due to insufficient funds. 

The week of XX/XX/XXXX, I called PRMI to determine what had happened. PRMI stated that they listened to the phone call and admitted I was advised in the wrong. The incorrect information was that I could not change banks within 5 days of the payment being drawn. I was not informed of this on my call with PRMI on XX/XX/XXXX. PRMI told me to submit a claim for any fees that I incurred from XXXXXXXX XXXX  and they would refund me. I sent them this information by email on XX/XX/XXXX. I did not hear back. 

In early XXXX ( on my XXXX mortgage statement ), I noticed that PRMI had added a {$25.00} NSF Return Fee to my statement. I began to call PRMI at this point. 

In the past 2 weeks, I have spoken to PRMI 3-4 times ... and have had to explain my story each time. All agents agree that I was misinformed, but nobody can seem to approve the {$37.00} reimbursement nor get the {$25.00} fee taken off of my statement. I was promised a call back last Friday ( XXXX ) ... and again yesterday ( XX/XX/XXXX ), but no one called. 

I'm simply looking for my {$37.00} reimbursement for the fees from XXXX XXXX as well as the removal of the {$25.00} NSF fee from my PRMI mortgage statement. PRMI caused this situation ( by the agent giving me incorrect information when I called for help ), and should thus fix this. It's not fair that I have paid fees due to PRMI 's errors. 

Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed the inaccuracy of my XXXX XXXX account several times. I have explained in great detail that the late payments being reported are inaccurate. The credit agencies cited in this complaint have each stated the information was verified but have not responded to my numerous requests sent via certified mail for a method of verification as required under Section 611 ( a ) ( 7 ). Lastly, I provided copies to each bureau highlighting the discrepancies with the account in question and how each bureau is reporting conflicting information, and subsequently, both are inaccurate. I have also attached it to this complaint so it can be reviewed.

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: Chime Financial Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 I received and email notice that my Chime Visa debit card was on the way '' however, I have never requested a Visa Debit card from Chime. Earlier this year, I was sent another unsolicited card from another company, so I was aware that my identity has been stolen and is being used for this kind of activity. Months ago, I asked all three credit bureaus to put a freeze and fraud alert on my credit report. 

I contacted Chime 's customer service by phone and email soon after receiving their " on the way '' email, and I requested that the account be closed immediately. In response to their instructions, I sent the last four digits of my SSN and a picture of my photo ID. Apparently, the form in which I sent my photo ID was not what they accepted, but they never clarified what they DID accept ( no faxes, scans, or photos ... so, only in person? ). We were traveling for much of the next two weeks and did not get a chance to follow up with the company. 

When I attempted contact them by email yesterday to find out the status of the closure ( and I resent the last four of my SSN and an image of my photo ID ) they simply replied that if I wanted to open a Chime account, I could not open two accounts at once. What?

I have emailed them again, asking them please cancel this account immediately and then provide me with written evidence that have not and will not report the account to any credit reporting agency. I asked them to please confirm that they have received my private information, and to let me know what you exactly what they do to keep sensitive information secure ( which has clearly already been compromised by some earlier security breach somewhere else ), and then verify that they have closed this fraudulent account. 

I heard back from them within minutes. They said they had " blocked '' the account, but that if I " would like to formally close the account '' I would need to contact them yet again? 

I believe they are desperate to keep every account they possibly can because they will soon go public and want their numbers to look big. Meanwhile, they have simply refused to honor the request I've made at least five times. Why don't these companies require such picture ID requirement to open these accounts? Why is it so easy to open them ( fraudulently ) and so difficult to close them ( legitimately )?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Recertified for lower payments based on income, new monthly amount owed went up to {$500.00} from {$390.00}. All federal loans are on pause until XX/XX/2022, they deemed it essential to shift payments to 10 days from submission - XX/XX/2022. That wont be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
XXXX, XXXX  and Equifax has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: NY
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 disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: TN
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, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely 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 explanation