BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I ca n't access all my credit cause at the time to verify my past information it those not matched and is because i have some stuff under my credit that is not supposed to be in my credit and that i dont have no idea what they are

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; Medical XXXX Balance : {$60.00} ; Medical XXXX Balance : {$320.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Bread Financial Holdings, Inc.
State: GA
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:
Ive already filed a complaint about this company in regards to improperly using my credit report. The resolution was on XX/XX/22, the company requested the credit bureaus to remove the hard inquiries on my credit report. I was also instructed this XXXX take up to 45 days. As of today, XX/XX/22, these hard inquiries are still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
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:
I tried many times to come to a solution for repayment with Navient. No matter how many times I called o would get an entirely different answer. Finally I was told I had ZERO options for repayment and there was nothing they could do. After reading many recent articles such as this one ( XXXX ) I feel better knowing I am not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Multiple times more money than pre arranged has been taken out of my checking account not allowing to pay other bills and when trying to set up reasonable payments I have been told the amount I can pay a month is not enough and if I do pay I can never afford to pay more than the interest off so I never bring the principal down

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After reviewing my Equifax credit report I see they are reporting a satisfied judgement with an open balance. I contacted them and they stated that the judgement is shown as satisfied but they have not changed the balance to XXXX to reflect the judgement was paid. XXXX is reporting it correctly and XXXX has stated they will be updating their report to indicate the judgement was satisfied in full and no balance should be indicated in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I bought my house in XXXX, my first lender was " XXXX ''. Couples months later my mortgage was sold to " Bank of America ''. In XXXX I applied for a loan modification and got approved. Couples months after the loan modification Bank of America resold my mortgage to XXXX XXXX XXXX XXXX Bank ''. About 2 years later or XXXX XXXX Bank of America repurchased my mortgage ( for the second time ) now from XXXX XXXX XXXX Bank. But since XXXX XXXX, XXXX I started receiving letters from Bank of America telling me that my house is going on foreclosure while I am not behind on my mortgage payment. They keep sending me a bunch of options to stop the foreclosure what kind of nonsense is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-06-18
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Online Account Information with US Bank does NOT provide customer 's current interest rate information. This information is only offered on paper statements ( or PDF images of same ). 
If banks want to move to paperless systems the customer should be able to view ALL the data that is provided on paper statements and should not be required to make a special request for it to be mailed. It makes no sense. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a second complaint to Bank of America regarding the refinancing of my home. This complaint should be linked to Case number : XXXX ; applicable to New Loan # : XXXX ; and Old Loan # : XXXX. 
Bank of America has not provided any resolutions for my first complaint as of today, XXXX/XXXX/2016. However, to make matters worst, I got a letter in the mail this weekend indicating that I have an escrow shortage of {$2400.00} on my home loan and that I must pay this amount. Otherwise, my new monthly payment will change to {$2100.00} due on XXXX/XXXX/2016. My first mortgage payment, which is due this month ( XXXX 2016 ), was set to be {$1800.00}. Why the sudden {$300.00} increase when the agreement had been a different monthly mortgage payment? Was it a miscalculation? What is going on with my home loan? 

I am extremely frustrated. No one at Bank of America wants to be accountable for the mistakes they have made while processing my new loan. Not only did Bank of America not fulfill my original request of refinancing the house to cover the property, the total closing costs, and the set up of a new escrow account, but now I am being asked for additional money for a shortage in my new escrow account. I really do not understand what is going on. At this point I am not sure if I was mislead or misinformed on purpose, or whether Bank of America is just being deliberately careless when processing their loans, or whether this is retaliation for making my first complaint, which has not been addressed yet either. 

Bank of America is now affecting my finances as it did not only make me lose the {$3000.00} from my old escrow account, but now it wants an additional amount of {$2400.00} from me, which may not be much to them, but it is a lot of money for me. If I would have known I was going to run into so many issues, I would have never refinanced with Bank of America. After 20 years of loyalty to Bank of America, I am extremely disappointed. The refinancing of my house has turned into a big nightmare.

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 2016-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account is paid in full but still shows a balance on the credit report. Company acknowledged that the account it paid in full but said I needed to file a dispute so they could respond and show the balance as {$0.00}. 
Shows as : XXXX XXXX XXXX, 2014 XXXX {$100.00} Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-16
Company: Google Compare Credit Cards Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Having trouble seance I'm a foreign person an waiting for my documents the company recurring so I can can manage and secure USA Data and Currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: IL
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 have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in in XX/XX/. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have submitted more than XXXX dispute with Equifax. This is the last XXXX. I have called 3-4 times. I have written a complaint letter. My mortgage company, XXXX ACCT XXXX, was removed from my report from all XXXX credit bureaus. Equifax has questioned why I filed a dispute. I was chastised for filing the first XXXX in XXXX 2015. I was questioned on why I filed bankruptcy. I was told by XXXX that he was n't sure that the information could be added back on my report. XXXX is not much better. Dispute XXXX was the first request with Equifax. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are several inaccuracies on my credit report that I thought I clarified with documentation. I had sent, copies of divorce papers, police report and copy of my dl, and the credit reporting agencies still have not updated my accounts. 
Furthermore there were XXXX fraudulent addresses on their reports of places I have never been, accounts I had never opened. They ignored the updates to my file. These errors affect my life, I am on a fixed income and every point in this system, which I am at their mercy to counts by the dollar. I want all of them held accountable for their mistakes. I do not want to lose my house because they do not scour the information like they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/XX/XX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted Equifax now its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have dealt with NavientXXXX for the last 6 years and have always had so many issues. Not only have I been harassed with phone calls on payments, my family has been harassed as well. I have also never been advised to seek XXXXhouse income based programs for any of my student loans ( private, education or federal ) and have always been told that I can only apply for their programs, most of which I can not afford the payments based on my income. I understand there is a current investigation on this loan provider and I ca n't seem to find information on how to get involved with this investigation to see if I have been overcharged or scammed. Any information on this would be very helpful and much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
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 temporarily postpone payments

Complaint:
On XX/XX/XXXX I was hit by a car and sustained XXXX XXXX and had XXXX done. I have been unable to work. I provided documentation to Navient and qualified for the income-contigent plan on the federal loans. For the private loans I was told I used my all my forbearance time but my recollection is that I did NOT use it all. I had no way to contest this and was offered no other option but to pay for the private loans in spite of my explaining my situation. I have no sick pay while I am out and not working. When they call me, it 's several times a day and sometimes a voice message telling me to call them so I can speak to a specialist that will offer me options. However I am NEVER offered options and instead told I must pay, in spite of my situation. I feel harassed by these calls as they will take place several times in one day, and in some cases the people have been rude. One occasion they asked me how am I able to pay other bills and this is really none of their business how I am managing. I was then told 'okay so you refuse to answer '. Their wording of my questions is that I am solely to blame. Furthermore, I have been paying off these loans diligently and have obeyed all their rules since I took these loans out in XX/XX/XXXX. Repayment began in XX/XX/XXXX and I have been paying regularly since then with more than % 8 interest. I am trapped in this interest rate and it is extremely difficult for me. I have been offered no other options and I do no know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent SEVERAL letters to Equifax requesting that they investigate and have only been met with responses containing semantic responses in an attempt to completely stonewall me in my multiple attempts to get this inaccurate information removed from my Credit Report. Each and every item in the attached letter is completely incorrect. I have contacted each of the data furnishers directly and have had no cooperation, and each and every company has had a lawsuit filed against them by me under FCRA and FDCPA by an attorney who represents consumers that have been wronged by financial institutions, which is why I am now holding Equifax responsible. 

The data furnishers can not prove that these debts belong to me, which again is why I am now turning to Equifax. 

What can Equifax show that shows these accounts belong to me and that they have conducted a proper investigation? 

I have contacted Equifax at least three times by certified mail. I do not want to sue Equifax, money is not what I am after, but if need be, I have been advised my a consumer protection attorney that my case is an individual case and could be a class action, both at XXXX out of pocket cost to me. 

I do n't know why I must spend so many countless hours trying to get Equifax to remove and correct these items. I am very upset by Equifax, and they are causing me a lot of stress. I feel like Equifax does n't even actually read the letters it receives. 

I have researched each and every item in the attached letter, and I 'm am hoping that Equifax takes this matter seriously and conducts a proper investigation. I do not want this issue to be handled by XXXX either. I need an actual person to take a real interest and conduct a real investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Van Ru Credit Corporation
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I checked my credit history and there was this debt there from XXXX and I do n't order online and this I never opened and its fraud and I should n't have to pay for what somebody else did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XX/XX/2016 I was advised by XXXX in the XXXX with Equifax that my credit file was going to be locked and that they needed me to submit my Social Security Card as well as a XXXX form XXXX to them via fax to verify my identity after I have been dealing with them for going on a year now filing disputes on my credit report. I recently submitted a complaint with the CFPB on XX/XX/2016 against Equifax and when I asked them why they were responding to my complaint with information that they received from XXXX of the company 's on XX/XX/2016 which is prior to when I submitted my complaint with the CFPB they decided to transfer my file over to the Consumer Affairs Department who is now requiring these documents be submitted to them which I did comply and submit the documents on XX/XX/2016 and faxed them to Equifax. I called Equifax XXXX XX/XX/2016 and asked them to REMOVE the lock off my credit file and they told me no they were not going to remove the lock off my credit file until they are able to verify my identity which could take XXXX hours which I believe is in violation of my rights to lock my credit file. I have filed a complaint with the FTC as well as filing a complaint with my local senators office regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
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:
They keep increasing my payment and will not work with you for what u can afford. Every year the payment increases by 20-30 %.

Company response to consumer: Closed with explanation