BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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  XXXX  &  XXXX  I worked for  XXXX   XXXX  in  XXXX , NC. My job was having financial issues and twice my check bounced. Each time I submitted a letter from my employer as well as the money to cover the charges incurred. Bank of America reported me to   XXXX   XXXX   for bounced checks and fraud. I believed the did removed the fraud but not the bounced checks as to my understanding the check would 've needed to be from me to me to be on my credit or from me to others. I have tried to get this settled for years with the run around. Telling me to have  a manager open a new account and clear me. To them telling me that it can not come off until someone hired off takes me off but they can clearly see all the documentation but are holding it against me.

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 2022-09-13
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX Dear Person, I am writing in regard to Public Service Loan Forgiveness ( PSLF ). In XXXX, my student loans and my former spouses student loans were consolidated into a Joint Spousal Consolidation loan. For what should be obvious reasons that particular loan consolidation program only was offered for a few years. The major problem with those loans is that when you divorce, you are both still jointly liable for the loan which creates numerous problems. You cant separate the loans under any circumstances it appears and you cant convert them into XXXX XXXX XXXX. I have been a XXXX XXXX and a XXXX XXXX  for 16 years, however, I cant even consolidate the loan into a Direct Loan to be able to get PSLF not even under the new waiver program. I have given almost 16 years of my life in public service at very low wages and this is the thanks I get for doing so. I pay {$320.00} a month as my half and on a XXXX salary and now XXXX XXXX salary I barely make ends meet. This is inequitable on so many levels. I have tried over the last 13 years to inquire as to any changes or solutions for my circumstances and always to no avail. Today I spent 2 hours on the phone with both Navient and XXXX XXXX XXXX, only to be told once again that I cant qualify for loan forgiveness. 
I am begging for someone to please do something to help those of us who were foolish enough to sign on to that Joint Spousal Consolidation program. I have never missed a payment, I have worked in public service for almost 16 years, I am XXXX years old, at this rate I will never be able to retire. Any pension I receive, my student loan payment would equal 1/3 of my pension. Someone has got to do something for those of us in these circumstances. I have written before to no avail, I am hoping someone out there cares enough to fix this situation. 

Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After responding to a voice message fro m Citibank, I c alled the number on back of my card and learned that a balance in the amount of {$99.00} was 60 days past due, along with multiple late fees. I asked how this was possible as we have n't used the card in months. They explained that  XXXX   XXXX  had auto-debited our account and that the balance of the {$160.00} owed represented late fees. My wife and I are 1000 % certain that we never signed up for paperless statements, which had we received this could have been avoided. Today I received an invoice showing the {$160.00} balance owed. To be safe, I called to confirm that there was no balance due and that there was a {$37.00} credit for  XXXX  of the late fees. I asked them to add to the credit the {$43.00} of cash back rewards earned. The manager on the other end of the line,  XXXX   XXXX  ID #  XXXX  ) said the account is closed and that there is no way of crediting the cash back balance. She further said they can not notify the credit bureaus that the late notice was an error because it was not an error, we made the payment late. Disappointing that our 16 year history of timely payments to this company ended like this. I suspect that because the account was dormant 12 months, the statements were defaulted to paperless to save on the costs associated with paper statements. We also have  a Costo Citibank card that we will close. There must be a better way to protect consumers from these unscrupulous tactics to generate late fees and avoid making good on earned cash back rewards ( at the time of account closing, we were not notified of forfeiture of this reward balance ).

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 2017-06-13
Company: Experian Information Solutions Inc.
State: NC
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 submitted an identity theft block to Experian, XXXX, and XXXX XXXX. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block it

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 2021-05-13
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: Account information incorrect

Complaint:
My mortgage loan is currently backed by XXXX XXXX owned by XXXX XXXX and serviced by XXXX for reference. It has been a nightmare to work with them during the pandemic as I had requested to be put in Forbearance under the guidelines of the XXXX XXXX 

To summarize my experience, I have called in to both the Customer Service and XXXX XXXX XXXX scores of times and have consistently received conflicting information about the Forbearance process. I had completed my Forbearance in XX/XX/XXXX and had elected to move forward with the Payment Deferral option. I had been approved for the XXXX in XXXX, but it did not process until this month, XX/XX/XXXX. 

I was relieved that the XXXX had finally processed, but then saw that XXXX had reported to the credit bureaus that my loan balance had increased beyond that of my original loan amount. This makes absolutely no sense as I was advised from the beginning that those missed payments during forbearance would not add on as additional payments, but simply be pushed back to the end of my loan. 

What is even stranger is that my most recent statement actually reflects an accurate loan balance, but for some reason XXXX  are reporting a much higher balance to the credit bureaus. I have called in multiple times to rectify this, but as usual have received no helpful responses, let alone a representative that even understands what is going on. I just want this nightmare to end. I am exhausted of having to call in to this incompetent organization time and time again and never receive a solution or even any helpful feedback. Please help me for the love of God.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hi cfpb I am reporting transuion for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of violation of {$1000.00} per each and litigation.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE 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:
I demanded verifiable proof be submitted to the consumer in writing. In the form of testimony ( via affidavit ) given by trained personnel described in Section 610 ( a ) ( 1 ) [ U.S. Code 1681h ], pursuant to Section 609 ( a ) ( 1 ) [ U.S. Code 1681g ]. These claims have NOT been substantiated by the alleged creditors. 

Failure to positively verify these accounts now constitutes malice and willful intent to cause injury and suffering to the consumer and causes damage to my ability to obtain credit. 

Under the FCRA, as these accounts have failed to be substantiated, they now must be removed. 

I demand the following accounts be removed immediately. 


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

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 2022-09-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am a natural person my name is XXXX XXXX the Credit bureau violated my rights the disrespect me they disrespect my rights to privacy XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC B ANK STOLE {$420.00} OF MY MONEY, PROMISING {$300.00} FOR TAKING THEIR CREDIT CARD + CHARGING ME {$120.00} FOR NOT MAINTAINING A CERTAIN BANACE WHEN i WAS NOT REQUIRED TO MAINTAIN THAT MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: TX
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:
Equifax is incorrectly reporting a paid collection account as open. This account was paid over a year ago and although payment status has been updated to paid, the account is still reporting as open. This account has been disputed with Equifax in previous months,  XXXX ,  2017 ,  XXXX   XXXX  and again,  XXXX   XXXX  and they are not changing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I earlier opened a complaint against Mr. Cooper. They still have not resolved my complaint issues, after months of delay! Further, I believe Mr. Cooper mislead CFPB as to the severity of our charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Avant Holding Company, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen, and I had no knowledge of this account until I went to get prequalified to buy a home. I had my wallet stolen in 2018 which my social security card and license and health care info had been compromised. A crime has been committed against me and someone is opening accounts and applying for credit using my social security number, I have been disputing and fighting this and other accounts since leaving a bitter EX-Spouse. I had contacted the police department and reached out to this company directly with no response, and filed an identity theft report. I have disputed this account with all three bureaus and they have all verified this item. How is this verified without my consent. I want a full investigation and will like this removed from my credit report entirely. I would like to buy a house. I have fraud alerts and freezes on all of my reports. All info have been sent to this company, I pay all of my bills on time and would have never gotten a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions 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:
I have multiple inquiries on my credit report that were unauthorized. There is no way that someone should of been able to access my credit file this amount of times unauthorized.   Experian should delete these back to back inquiries asap.     Account name   XXXX   XXXX   XXXX   Date of request ( s )  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 / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   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 explanation
Consumer complaint received 2022-08-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Qn XX/XX/XXXX I received a notification that my credit score dropped XXXX points due to a collection posted by Columbia. I had never heard of them or from them but found out it was from a debt I disputed multiple times since XX/XX/XXXX. I first received a notification of amount owed from my son 's apartment that he moved out of XX/XX/XXXX. I called the complex and was told to submit dispute in writing, which I did on XX/XX/XXXX ( the same day I received the notification ) and submitted pictures showing no damage/not cleaned. I never heard again from them. About a year later I got a collection notice from XXXX ( XX/XX/XXXX ) for same amount. I called to dispute on the same day and to send pictures to which I was told my pictures would not be honored since they were on my cell phone. I then contacted my attorney XXXX XXXX who sent a dispute letter to XXXX stating he had reviewed the charges and my pictures and found the charges erroneous & that a stop be placed on this collection and it is not to be reported to any credit reporting bureau as the charge is not a valid debt. I never heard again from them. Over a year later - XX/XX/XXXX I found the report from XXXX whom I have NEVER heard from ( nor has my son XXXX ) when I had a drastic drop in my credit score as it was reported on both of our credit reports. I disputed with all 3 credit bureaus that it was wrongfully reported only for XXXX to state the debt was accurate on a debt that was not valid, disputed multiple times yet still sold and was proven to be inaccurate through pictures and reviewed by my attorney.. How can they have purchased this invalid debt, never contact me or my son and then report it on our credit reports and refuse to correct it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: MD
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: Problem getting your free annual credit report

Complaint:
I am unable to access my Equifax credit report. It has been like this for the past 8 months!! I have sent multiple letters to Equifax about this issue, I have even called them. They said there was a issue with my report and they will fix it. 8 months later nothing has been done. As of today XX/XX/2022 I am still not able to see my report. I have included a screenshot of the message that I get when trying to access my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account online with XXXX XXXX and it wouldnt let me create a login after putting in all my information and scheduling a XXXX deposit from our chase checking account. I called numerous times and was told they see my profile and the pending deposit, so she said she reset everything and gave me a temporary user name and password, which still didnt work and she didnt know why, so she told me to wait a couple of hours then try it again. So I waited and still couldnt log in, so I called back and then I was told there is no deposit pending and to wait another couple hours. I told her I wanted to talk with a supervisor and got stuck on hold indefinitely. I hung up and called back and I got another person and explained everything and I told her to just cancel the account and cancel my electronic transfer, she told me it would take up to 3 days to cancel the account but ensured me my electronic transfer was canceled. This morning the transfer is pending in our checking account. After doing research on this bank EVERYONE has the same complaint. I called XXXX this morning at XXXX to put in a stop payment. This online bank is fraudulent and needs to be looked into. I am going to the bank this morning to make sure this doesnt go through. Also I tried logging into the account with the information they gave me and it still doesnt work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removal of the erroneous information about the unauthorized inquiries has been consistently neglected by Equifax. Despite sending them written letters since XX/XX/2021, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation