BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Describe what happened so we can understand the issue ... 
I am a victim of fraud, I lost my wallet some years ago. I called all XXXX credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report XXXX times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment. 
XXXX PLEASE REMOVE ALL INQUIRES THAT DO N'T BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They refuse to delete and account that is an account fraudalent/innacurate that does not belong to me. This account was used to obtain goods without my consent. They also are not helpful at all. From all the XXXX bureaus they work for the big banks not for the customer. 
I removed all the negative and bad account from XXXX, XXXX, EXCEPT ON EQUIFAX. I really dont understant. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been having trouble with this company there are several items that are clearly inaccurate and some of the collections are duplicates but they don't seem to be taking a look at this matter so I am seeking help from CFPB and XXXX of the XXXX XXXX to resolve this matter once in for all.

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 2015-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I would like to raise a new issue : Bank of America abused their discretion by slashing my credit line by 80 %, while at the same time denying my request for a credit line increase AND a refund for the payment made. My credit score did not go down ; in fact to this day it has increased XXXX points from XXXX to XXXX, as of XXXX/XXXX/2015 ( Source : XXXX ). 
The payment made ( approximately $ XXXX ) was done in good faith, despite being a clerical error, that my credit line would remain intact with the Bank . Even though I meant to transfer merely the bare minimum, about ten percent of what I ended up making, nevertheless either way the payment was done bona fide ; and for the bank to slash my line of credit ; without underpaying or missing a payment ; and without due notice and an opportunity to be heard breaches both the Credit Card Agreement and the Credit Card Accountability, Responsibility and Disclosure Act. 
The articles I am providing below raise issues with Bank of America that are wide-ranging ; affecting consumers like me on a colossal scale : Moreover, I am providing additional information to prove the scope and extent of consumers ' grievances against Bank of America is becoming great and far-reaching. 
Source -- -XXXX : XXXX : XXXX : XXXX/I respectfully appeal the Bank 's decision and ask the CFPB and their Ombudsman 's Office to try to work with the Bank in recovering my funds. 

Additional information is provided upon request. 
Thank you for your help, consideration and moral support. 

Yours Truly, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-12-20
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, I recently refinanced my mortgage loan through XXXX XXXX, an affiliate of OCWEN Loan Servicing. When the loan matured in XX/XX/XXXX, I made my payment accordingly and sent the payment by check via mail. A few weeks later, i received a check in the amount of {$580.00}, which is less than my monthly mortgage payment. This check was titled " Escrow over payment '' and since i had just refinanced my loan, and essentially the old loan was paid off, this did not seem out of the ordinary to receive a check for any additional money that may have been in the account. 

As time went on, I received my monthly mortgage bill for XX/XX/XXXX, and the bill stated I had a past due amount that was never paid. So as any concerned homeowner would do, I got on the phone to try and figure out where the issue was. 

After a very short phone conversation with XXXX, ID # XXXX, he assured me this was a minor problem that stemmed from the new bill and my payment " crossing in the mail '', I was current in payment and a new mortgage bill would be sent out and there was nothing I should worry about. 

In the mean time, I was being reported to the credit bureaus as being delinquent for payment. 

A few days after speaking with XXXX my wife convinced me to call back and I reached and individual, XXXX, who realized there was a big problem. After a 2 hour phone dispute, it was determined that OCWEN has records of receiving my mortgage payment on XX/XX/2015, BUT HAD NEVER CREATED MY NEWLY REFINANCED MORTGAGE LOAN ACCOUNT UNTIL XX/XX/2015. So when i sent my payment in for the month on XX/XX/XXXX, it was rejected ( and split into XXXX sums-for whatever reason- ) and sent back to me under the title " Escrow Over Payment ''. 

I was reported to the credit bureaus for being delinquent for 38 days, and this now shows on my report!! 

When i was on the phone resolving this issue, I was told I needed to make a double payment at that time, so I would not be delinquent for ANOTHER consecutive month! 
I had to make these payments on XX/XX/XXXX, right before XXXX! 

On top of making a DOUBLE mortgage payment 2 weeks before XXXX FOR SOMETHING I WAS NOT AT FAULT FOR, I also now have a poor credit report following me around! 

OCWEN LOAN SERVICING NEEDS TO BE REVIEWED! 

XXXX XXXX XXXX, Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have contacted Bank of America and asked for my title to be released through writing a letter of dispute to the BK department who forwarded it to the Lien release department. I was informed today that the bank will not release my lien unless I pay an additional sum of XXXX even though I have a print out showing my loan was at a XXXX balance after making the final pay off amount of {$960.00} on XXXX/XXXX/11. I also was forced to pay an additional amount of {$7700.00} after the XXXX balance statement was given to me on XXXX/XXXX/11. Please refer to my attached letter for additional information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has an incorrect derogatory mark on my record relating to a judgement against my father who has the same name as me. I contacted Equifax and they refused to remove it from my credit report and it is negatively impacting my credit score. I contacted the court that issued the judgement and there is nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My home equity loan is being reported as unpaid, late, and and still open. This account was forgiven by Bank of America due to the lawsuit from the Department of Justice. The account is damaging my credit score drastically and I have sent letters to Bank of America twice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I live in XXXX. I own a rental property in XXXX, XXXX. Over a year ago, I was not able to pay the mortgage due to increases to the taxes and insurances. I have tried all that I know to do. 
I tried to get a remod on the house. I have tried to get a deed in lieu. To no avail. every 3 months when I think we are about to resolve the issue, they change representatives and I start all over with getting them information. In the case of the final situation, they seem to have lost my information. When I re-sent the information to them, I did not hear from them so I am at a lost as to what other procedures can I follow. My mortgage is just collecting more and more debt and I need a decision to be made now. It is constantly hurting my credit in more ways than one. I need a path to settle this situation once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CT
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 have called Navient multiple times to reduce my student loan payment on my signature loans. Every time I call I get the same old they can not lower my payment and my payments keeps increasing. The interest rate is insane. They really make it unaffordable

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
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:
In addition to refusing to make negotiations via the mail, after repeated attempts to get answers without having to talk to someone on the phone ( which I contacted CFPB about a few months ago ), Navient has received over {$20000.00} in payments from me over the last 5+ years. I was horrified to find out that as of today, almost ALL of that money has gone into interest only payments. Of the XXXX loans that were taken out, only XXXX of them has decreased by around {$1800.00}. The rest of them have gone up - way up. In short, {$64000.00} has turned into almost {$75000.00} - and counting. This is a nightmare. I am making the only payments I can " afford. '' In all reality, I ca n't even afford the monthly payment for the plan they put me on. But after trying to negotiate with them on the phone this XXXX ( while on the brink of default ) and being asked all of my income and expenses, they came up with a random monthly payment after talking me through their 1 % interest plan. That number does not line up with my income vs. expenses - which are extremely high, and always have been. But according to their reps, this is the best offer they are willing to make. Even after explaining to them that I am an XXXX - living paycheck to paycheck, that I do not have health insurance because I can not afford it, and that I need to start putting money away for retirement ( but can not afford it ), there is still no other solution on their end. It is so incredibly disheartening that all of the money I have worked so hard to support myself with, and have used to " chip away '' at my student loans, feels like it is being thrown to the wind. It seems that no matter what I am able to afford, no payment is large enough that will make a dent in my principal balance. It feels like there is no end in sight, and I am increasingly frustrated with the way that Navient does business. It is truly criminal what they are getting away with - and I do n't know where else to turn. Having a college education should not warrant punishment, but that 's exactly what this feels like.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX mortgage with BOA. I have been paying on it over 10 years. I have never missed a payment. I monitor my credit report for it is important to me to keep my credit status in good standing. It was not until I received a notification from the credit bureaus that I realized BOA reported to the bureaus that my account was late on payment. My credit score dropped a significant number of points for this reason. I checked my bank account and the payment was made on time. I called BOA and they said it arrived in time but was short about {$54.00}. I was upset and mentioned that BOA has then misreported what actually occurred to the credit bureau. It was not late. I disputed the transaction with the credit bureau as well as with BOA and BOA will not remove the negative reporting. What had occurred was the interest rate changed so the amount of the monthly amount increased. What is so ironic is the payment use to be approx $ XXXX-XXXX a month for 10 years and now XXXX. I never received a kudo on my credit report when I sent in XXXX or more in the past but as soon as it was short they were quick to report that without notifying me. Overall my complaint is I explained why the payment was short ( I had no knowledge of after 10 years of paying on this XXXX that the amount had increased. I go into my bill pay and plug in the same amount for years. But to report to the credit bureaus that the payment was late was inaccurate, incorrect and false. The payment was made on time!

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: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00}

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 2015-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have had a Bank of America checking account for 12 years. Got an email while I was out of town that my debit card had been cancelled. Called them and they said there had been a data breach and they were sending me a new card ( which XXXX had already done. ) Card never came. So they cut off my debit card to merchants. I called them and told them I wanted a new card the next day. Of course, it never came. They finally cut off my debit card for use at ATM 's. Leaving me nothing but checks. I had over {$2000.00} in my account, have not changed my address for over 6 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: Consumer Portfolio Services, Inc.
State: ME
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2015 I received XXXX separate phone calls from a XXXX XXXX with Consumer Portfolio Services. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST which I answered. XXXX XXXX indicated that I owed a balance on my loan of around {$9700.00} and wanted to know how I would like to pay the remaining balance. I informed XXXX XXXX that I make monthly payments on the account. She seemed very confused and confirmed that I was making monthly payments and then said that my account had just been placed in her department and she was calling to introduce herself. She said if I had any questions to contact her at XXXX ext XXXX. The conversation ended with that. 
On XXXX XXXX I again received XXXX separate phone calls from XXXX XXXX. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST with another voicemail being left. I returned the phone call and spoke with XXXX XXXX which I informed her that this was the fourth call she has made to me in less than a week. She said that she needed to know when I make my payments. I told her that CPS services my loan and should know when I make my payments. I asked her if the account was past due and she said no at which time I told her that she really has no need to be calling me unless my account is past due. She said that my payments are inconsistent at which I responded that they are usually made within XXXX days of the due date. I told her I work XXXX hours a week and I 'm attending school for my XXXX degree so, yes, sometimes making the payment on the exact due date does not happen. I told her that I have had this account for almost a year and that no one from CPS has ever called me to indicate that there was any issue with how I make my payments. I informed her to not call me again unless my account falls past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My complaint is against Navient. I was co-signer on my daughters college loan from XXXX XXXX in 2003, my father was the primary borrower. I have been paying this loan on time since my daughter started college. XXXX XXXX sold to Navient and now I am being harassed for missing payments and late charges. I have faxed bank statements showing every monthly payment that is made through my bank. My father and daughter have since passed away but I still continue to pay this loan. Every month I receive a letter and when I call I get a different answer each time I have asked them to stop harassing me as it upsets me considering my daughter and fathers passing but they continue to call and send letters. I can not afford an attorney to stop this from happening and do not know what else I can do. They are now threatening to send this to the credit bureau. I would appreciate any help you can offer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
It 's happened so weird, so I only ask the bank online to increase my credit line for information but not request. And then the bank send me notice and did n't ask my authorization and directly this is a hard pull. I can not believe it. How could this be? I only put info online and then, NO PHONE CALL NO TEXT NO MAIL NOTICE OR EMAIL, there 's a hard pull. And he said he need my more info, it 's funny cause when I made phone call, I said I gave up to increase my credit line. This is totally not my fault. SHAME ON BANK OF AMERICA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the second time XXXX has reported this to a collection agency. The previous agency rejected XXXX 's claim because the debt could not be verified, and XXXX provided no proof of what they were charging me for. 

They are attempting to collect {$470.00} on phone service I do not have -- I have been an XXXX customer since XX/XX/XXXX. XXXX has previously told me that my account was closed in XX/XX/XXXX and they are unable to access it. I do not know what this debt is for, XXXX does not know, and has not provided me or the previous collection agent any information. All they did was refer it to another collection agency. This needs to stop.

Company response to consumer: Closed with explanation