BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MA
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:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, EXPERIAN and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my record. Please Fix the account XXXX XXXX XXXX Balance Owed : {$2400.00}, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the account listed.

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 2022-06-09
Company: Fidelity National Information Services, Inc. (FNIS)
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:
On XX/XX/XXXX, I reviewed a report, because I was denied the right to open an account. After reviewing the report, I noticed a plethora of inaccuracies and fraudulent information being reported. On XX/XX/XXXX I contacted ChexSystems to file a dispute for the inaccurate addresses and email listed, and the fraudulent information being reported by XXXX XXXX XXXX I spoke with XXXX, a representative of ChexSystems, and informed her of the fraudulent information and inaccuracies. I confirmed with XXXX, my complete address, and that this was the only address I can attest to. Anything else was inaccurate and fraudulent. reported. XXXX insisted that the adverse information being reported by XXXX XXXX XXXX  was verified by the financial institution as 100 % accurate. I asked XXXX if they sent me valid paperwork so that I could confirm. XXXX said they sent me a letter on XX/XX/XXXX confirming this information to be accurate. The call was escalated to her supervisor XXXX. I spoke with XXXX ( XXXX ) and XXXX insisted that the information was verified by XXXX XXXX XXXX In accordance with the FCRA section 611 ( 5 ) -TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION IS TO BE DELETED. ChexSystems had a duty to properly verify everything being furnished to them from XXXX XXXX XXXX  and also provide me with the corresponding information. It was never received, so I am to assume that they never sent the information to verify the accuracy of this alleged account. ChexSytems was also to not furnish any adverse information that results from fraud, and that the information they furnish to financial institutions is 100 % accurate, and ChexSystems failed to do that. Without properly verifying, ChexSystems has criminally and willfully reported this adverse information for over XXXX XXXX and also furnished this inaccurate information to another 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 2016-11-01
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 decrease my monthly payments

Complaint:
I am currently XXXX in XXXX. My salary is XXXX before tax and my rent is {$1400.00}. This is not including utilities, transportation, and food. I have spoken to Navient about private student loans to make a plan to pay them off. I told Navient my salary and expenses and committed to paying $ XXXX/month until my salary increases. I spoke to Navient representatives several times regarding my willingness to work with them. However, Navient was persistent in that they did not want {$75.00} they wanted & gt ; {$300.00} a month that I simply did not have. The representatives became belligerent even suggesting that I ask my landlord to decrease my rent to pay them? This is preposterous as I have to have a roof over my head to work. Yesterday, representatives threatened me that if I did not give them several hundred dollars by XXXX they would default my loan. This business has destroyed my credit report. The only relief I have received is from paying a default fee of $ XXXX+ that does not go to the life of my loan. I also, tried to consolidate the loans with Navient and they refused to have the private loans consolidated. Thus, I am working diligently to try to pay my debts to this company without the company willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom it may concern ; I called up PayPal this morning regarding Case ID : XXXX. I was told that the case was closed as this transaction is ineligible for PayPal Purchase Protection.

I am not sure why I am no longer eligible for PayPal purchase protection. I have only filed cases/claims in good faith. 

I ordered an XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, from XXXX in the amount of {$1000.00}. The seller sent a package using XXXX tracking # XXXX. The package arrived on XX/XX/XXXX I realized right away that there was no XXXX inside due to the weight of the package and the fact that the contents inside were not secure. I did not open the package as a way to preserve evidence for an investigation. I also filed a IC3 complaint as well which is attached for your reference. 

To me it seems as if PayPal is not acting in good faith by not standing behind their " Buyer protection '' when it does not benefit them. This is in violation of consumer protection laws. 

Please help get back my money that I have been scammed out of by XXXX and PayPal complicity. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
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:
A XXXX CREDIT ( ACCT XXXX ) ACCOUNT THAT BELONGED TO MY FORMER XXXX WHICH I WAS A AUTHORIZED USER IS LISTED ON MY CREDIT FILE.I DISPUTED WITH ALL THREE CREDIT BUREAUS.XXXX AND XXXX  DELETED THE ABOVE MENTIONED ACCOUNT, EQUIFAX REFUSED STATING THE ACCOUNT BELONGED TO ME.THIS CLEARLY IS NOT THE CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage lender, Bank of America, issued a trial modification plan for my home, but then they refused to make the modification permanent!! 
Bank of America told us that we qualify for modification and we meet all the requirements, but there is an issue from 4 years ago that has caused a red flag on my file!!! 

They claim that we failed to give them correct tax returns during the previous modification request which was 4 years ago. The fact of the matter is that 4 years ago we applied for modification which was denied. That process was done through a " third party '' that represented us during the modification request 4 years ago. Everything that was requested at that time we provided -- including tax returns -- to that representative who should have forwarded them to Bank of America. If that third party failed to forward the requested items to Bank of America, it was not our fault. 
Furthermore, 3 months ago I sent the tax returns for those missing years to Bank of America. 

Now Bank of America claims that 4 years ago they did not receive the tax returns in a timely manner and this is a sign of a legal tax violation!!! Their excuses are just absolute none sense! I have provided all tax documents for 2014 and I even provided the tax returns that they claim were missing from 4 years ago, even though it has no relevance to my current modification request. Bank of America 's response is very unreasonable and unfair. They claim that I qualify for all requirements of the modification plan but because of some vague and unclear excuses, from a previous 4-year old closed file, they can not finalize my current modification file!!! 
They also refuse to explain the problem clearly and in writing!! 

It is very absurd, unfair, and unreasonable for a lender to deny " permanent '' modification after they approved the trial modification, Based on the status of a 4 year old previous file which was closed a long time ago!!! 
This is very unreasonable and unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
1 ) All 3 bureaus maintain secret remarks not accessible to the consumers. 2 ) These secret remarks refer to the consumer rights to dispute the transactions with the vendor. 3 ) These remarks have an adverse effect on my ability to obtain mortgage loan on favorable terms. 4 ) The credit agencies can not and do not inform the consumer as to the specific issue of the dispute. 5 ) The credit agencies are reporting information to the lender more than 7 years old. Furthermore, there was a XXXX unpaid balance in one case and in another case the XXXX XXXX fully refunded the charge to the consumer. Yet, these remarks remain and impair my credit. All three credit bureaus report no other negative comments. XXXX gives me a credit score of XXXX. After considerable efforts the consumer contacted all credit bureaus, each and everyone verbally informed me they would expunge the record. Two claim to do it immediately as I was on the telephone with them. After several days, I received a report from my lender that no changes were made to the credit report that the lender received from the credit bureaus. A copy of which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX XXXX submit this complaint against Bank of America for failure to modify my Home Equity Line of Credit according to my XXXX mortgage modification, whereas I 'm unable to afford XXXX payment. My home right now is only worth about {$250000.00} my XXXX mortgage balance is {$240000.00}. which was modify under the making home affordable program. My XXXX lien balance is currently {$560000.00} my income can not meet XXXX payments at this current level. I filed a discrimination lawsuit against Bank of America in XXXX Court the judge granted Bank of America summary judgment. I lost the case, due to this reason I believeBank of America is refusing to be fair with me the reason they want give me an affordable modification payment. I really wants to keep my home at this rate with XXXX loans I really do n't know how I can afford it. Right now I feel like I 'm lock in this loan forever. It 's no way I will be able to refinance this loan. Please Help!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX 5,2017 I received an alert on my phone that XXXX XXXX reported my mortgage 30 days late. Which dropped my score 57pts. Made contact with Transunion and XXXX to conduct a dispute. They stated it was verified from XXXX XXXX as being reported correctly. I then made contact with XXXX XXXX they have nothing in the computer saying I was 30 days late. I asked XXXX and Transunion how did they verify this information. I have had this mortgage 4 yrs never once was late.

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 2021-10-14
Company: EQUIFAX, INC.
State: MI
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:
I became fully XXXX in XXXX. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified XXXX of the situation. I applied for Total and Permanent Loan Discharge. For some reason unknown to me, the application for TPD never went thru. XXXX continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to Total and Permanent Disability. When the credit bureaus contact XXXX, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from XXXX and from the Department of Education!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I became fully XXXX in XXXX. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified XXXX of the situation. I applied for Total and Permanent Loan Discharge. For some reason unknown to me, the application for TPD never went thru. XXXX continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to Total and Permanent Disability. When the credit bureaus contact XXXX, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from XXXX and from the Department of Education!

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 2017-10-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.
Also section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter, and await your reply.
Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im reaching out bemuse I was that I need to contact you all because there is some items on my credit I dont know nothing about. I have tried to call and write every one of them and Im not getting anywhere with them. Its like a circus show. I doing this by myself and really could use some help with this. These items need to come off my credit and given to whoever they belongs to. I was trying to refinance my house and this is really holding me up. The items are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX. There are also some bankruptcys showing on my credit and this is what really caught my attention because I have never filed babkruptcy. I have also attached correspondance from XXXX XXXX and states the Bankruptcy records have been deleted from their public records files.

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 2017-08-14
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and  banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from XXXX yet its not on my credit report He stated that there was a cease and decesase letter in XXXX but didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XXXX saying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XXXX county and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
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:
To whom it may concern : I sent a letter to Navient ( XXXX XXXX ) back on XXXX/XXXX/2016 at XXXX in reference to how to allocate my monthly payments if there is a greater amount than the minimum due. As of today I have yet to receive a response. I called them to ask them about my email and the customer representative said that the system does not allow her to see my emails, which is a total lie because they have seen my emails before. It was the last time I called back in approximately XXXX 2016, Navient can go back and pull the recording. I have contacted the cfpb before regarding the terrible business practices of Navient ( XXXX XXXX ) and yet they continue to do whatever they want with no regulation whatsoever. 
Can someone look into this new matter of them not responding to my emails, especially when it comes to paying down my student loan debt. 

Thank You LETTER COPY : I am writing to provide you instructions on how to apply payments when I send an amount greater then the minimum due. Please apply payments as follows : 1.After applying the minimum amount due for each loan, any additional amount should be applied to XXXX with a balance as of XXXX/XXXX/16 in the amount {$14000.00}. 
2.If there are multiple loans with the same interest rate, which LOANS XXXX and XXXX have the same interest of 3.375 % please apply the additional amount to the loan with the lowest outstanding principal balance ( XXXX ). 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest balance, which is LOAN XXXX. 
Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 
Thank you for your cooperation

Company response to consumer: Closed with explanation