BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello for over 15 years EquifaxXXXX have been putting miscellaneous info on my report. Information is incorrect and I 'm being financially abused. I owe XXXX bank but other banks are on my report that I have never dealt with, I never lived in Florida which on my report states, inquiries, old reports, are making my score XXXX. Which is very low I ca n't get a apartment, home, nothing. I 'm ready to go to supreme court if this is n't corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I paid off my loan with sallie mae years ago and now they are putting negative information on my credit report. The loan was settle and paid off around XXXX but it still shows on my credit history as of XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In XX/XX/XXXX I entered a repayment plan with Pioneer Credit Recovery , Inc. who told me they were acting on behalf of the Missouri Department of Higher Education. The terms were to automatically withdraw {$65.00} per month from my checking account for 12 months, then I was told the loan would be in good standing and could be available for a lower interest rate. I made all twelve payments, then apparently my loan was transferred to XXXX. With the holidays I did n't realize that they stop deducting the payments so I reached out to Pioneer - all they would tell me is that XXXX was my new servicer and I should contact them. When I contacted XXXX they stated my loan was back in default status and that they had been trying to contact me, although I had received no mail or voice messages. Although I was extremely frustrated I agreed to start the entire process over with XXXX, however this time they were asking me to make a monthly payment of $ XXXX+ per month. I was working part time and had no way to pay that amount so they had me fill out all this paperwork. We submitted the paper work they requested, but we did n't hear back from them. We began calling every week - next thing we knew our tax return income had been confiscated by them without our knowledge or permission. We finally got someone to speak with and they only suggested that we file innocent spouse documentation - but what was really amazing is that they loan was still considered to be in default even though they just applied {$1800.00}. to the balance. I filed a formal compliant with Missouri Department of Higher Education on XX/XX/XXXX and had no response. Now my loan has been transferred to XXXX XXXX XXXX with an additional {$660.00} in Collection Cost/Charges and {$100.00}. of interest. I keep trying to resolve this matter, but only end up running in circles!! I have offered to pay {$150.00} twice a month, but XXXX states I will yet again have to complete a load of paperwork before they can tell me IF they will accept this money, all the while my loan continues to accrue more interest and fees. This is absurd and should be against the law. I want to know what the CFPB will do for me? What other information do you need from me to help me resolve this issue? I have never intended to not pay, but now they wo n't accept what I can pay and continue to charge me additional fees, making the total out of my reach. Please help 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 2015-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of 2012, a fraudulent check was dispersed into my account. I was unaware and have no idea who put the check inside my account as I had my pin number written in a few places in order to remember it. I did not immediately report the transaction because it was around the time my father was going to pay my rent six months in advance. I removed the funds and paid for my rent. After finding out it was a fraudulent check I returned the money to Bank of America but not before they reported me to XXXX and closed my checking account. Because I had a checking account through the institution I attended, I was not particularly worried about not having an account with Bank of America. However, I have since attempted to open a checking account with a myriad of different banks and credit unions to no avail. It is highly upsetting when a mere misunderstanding that has been remedied over three years ago still seems to hinder me from financial freedom.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX  XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
**Hard inquiries*** _ XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These XXXX account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX XXXX : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact information. 
**Collection** XXXX XXXX XXXX Reported XXXX XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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:
On XX/XX/2021 I notified each credit bureau that I found accounts on my credit report that don't belong to me they are pretty old accounts but I am only noticing them now because I have not had any credit in the past and I would like to obtain credit now there are only two accounts reporting on my credit report and neither belong to me thats why I reached out to the bureau 's I also went to the FTC website and filled out an affidavit regarding the theft that has occurred. The bureau 's have not responded to my claim and I would like this issue to be resolved quickly. Please see attached letters sent to the credit bureau 's and a copy of the affidavit that I sent to the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in receipt of a notice from Bank of America 's attorney of record that my home was in foreclosure. The notice explained that I could apply for Conditions for Continued Occupancy and included form XXXX ( Request for Occupied Conveyance. I responded to this notice that I received twice. I never received a response from Bank of America to indicate whether or not my request was approved or denied. I am now in receipt of a Sherriff Sale notice dated for XXXX/XXXX/2016.

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 2015-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I signed up for a credit card via XXXX XXXX. Once it came in the mail I was not happy with the terms so I did NOT activate it. I latter received a bill for {$75.00} dollars to cover an annual fee. When I called to complain they told me the card would be cancelled and I would not have to pay this 'fee '. This month I got another bill for for the same {$75.00} + interest. When I called to complain they told me it was a bank error and I would not be responsible for the account. Remember, they said that last month. Unfortunately the liars put a mark on my credit score. Are they kidding?! I did n't activate the card! They told me the first time I called this account was closed ant that I would not be charged. I am disgusted that my account is labeled delinquent. Then they told me this issue with my credit could take 60 days. I told them this is unacceptable. I cancelled this card that was never activated. Will this company be investigated? I do not believe this is fair business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have not received any of my mortgage statements through the mail. This company has not recorded my deed of trust to my property in the county recorder 's office as of 2016. I have not received verification as well as validation to the following : 1. Chain of Custody of Title to my property 2. Validation of the actual debt that is claimed payable and due my property 3. Proof that you have applied for the default insurance for my property 4. A comprehensive and certified copy of all the accounting ledger since the accounts creation of my property 5. A power of attorney to act or represent the interest of the alleged holder of this note to my property 6. Legal proof that you have perfected title to my property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX  XXXX XXXX  XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've advised Transunion of XXXX being a fraudulent account about a month ago, and the account is still on my credit report as being verified accurately. 

I have attached a FTC report to prove this 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 2021-10-10
Company: Experian Information Solutions Inc.
State: IL
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:
The account from XXXX XXXX is incorrectly reporting as " open '' : on my credit reports. This is not an open account and this account should be reporting as closed. This needs to be fixed immediately as it is severely affecting my credit and causing adverse actions due to incorrect information. Per the FCRA this must be fixed and accurately reported. In addition to this XXXX XXXX sent me an application as proof that clearly has no signature on it. Meaning that this application was not fully completed and they refuse to acknowledge it. 

The other primary issue is that the account from the creditor " XXXX XXXX XXXX '' remains UNVERIFIED and UNVALIDATED after multiple requests for validation I have sent to them. They have ignored multiple request and have sent me absolutely no proof that this debt is mine. This account I ask that you thoroughly review and delete. I requested validation more than 30 days ago. They keep saying they are emailing and mailing documentation but that is a lie. I keep providing the correct email and physical address and receiving nothing. They are lying to cover themselves and that is deceptive.

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 2015-06-02
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please see the attached correspondence. I am the Federal Fiduciary of VA benefits for XXXX XXXX XXXX. He is currently under the care XXXX Prior to his approval for XXXX, he incurred XXXX expenses at that facility for which I am personally being harassed by Transworld Sytems Inc. for payment of that debt. I am not his legal guardian, nor liable in any way for his debts. I merely receive the VA benefits and dispurse them in accordance with the law for his care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: TRANSWORLD SYSTEMS INC
State: MD
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 attended XXXX XXXX University. I thought I only borrowed federal loans for school, however, it looks like I borrowed a private school loan for 15,000 at 11 %. I began paying it because I started receiving the bill at my mothers house. Then I was going through a child support issue and I could not pay the bill. I asked to file for a forbearance and they said I could but a few days later the loan went into default. I called AES and they said the agent should have told me I needed to complete the form immediately. I tried calling the collection agency to create a payment plan and they refused. XXXX XXXX threatened to take my Mother 's house and her retirement. I called AES to have them release the contract and they could not find it. They had my birthday as XXXX when its in XXXX. Now I 'm thinking this might not be my loan. My XXXX XXXX loans were completed with federal loans. So now I 'm clueless because XXXX XXXX XXXX wants 23,000 dollars paid in full. I am a XXXX and do n't have that kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loancare LLC  drafted payment from my checking account and has failed to post the payment. This is the second consecutive time that this occurs. The account is setup on automatic drafts so I do not understand how it is possible to draft the funds from my checkings account and not post them.

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 2017-03-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
We are residents of XXXX. On XX/XX/XXXX, we were in XXXX and purchased merchandise. The purchase consisted of five items at a total cost of {$140.00}. Unfortunately the amount sent to the credit card companies was erroneously listed at {$740.00}. ( attachments 1,2 & 3 ) This is {$600.00} more than the correct amount of {$140.00}. When we contacted our credit card company by phone regarding the error, a temporary credit of {$600.00} was issued to our account. On XX/XX/XXXX, we received a letter dated XX/XX/XXXX, ( attachment 4 ) requesting we return an attached form by XX/XX/XXXX. The form was immediately filled out and mailed. Because the letter arrived on XX/XX/XXXX, it could not be retuned to our credit card company by XX/XX/XXXX. On XX/XX/XXXX, ( attachment 5 ) we received a letter from our credit card company indicating the {$740.00} charge was valid and the temporary credit of {$600.00} had been removed, thus reinstating the $ XXXX charge to our account. On XX/XX/XXXX, we mailed information to our credit card company explaining the circumstance of the dispute. ( attachments 6 & 7 ). On XX/XX/XXXX, we called the merchant. We texted him a copy of our receipt in the amount of {$140.00}. He agreed that the charge of {$740.00} was incorrect and that we should have been charged {$140.00}. On XX/XX/XXXX, we had a letter faxed to the our credit card disputes department from a local branch of the bank who controls our credit card ( attachment 8 ). At my request on XX/XX/XXXX the merchant contacted his bank explaining the {$600.00} overcharge. The XXXX bank immediately removed the disputed {$600.00} from its account. ( attachments 10 & 11 ) Knowing this, I have called the Chase Disputes Department numerous times to inform them of this only to be told by supervisors that the matter was being handled either by " the back office '' or the " representment? team ''. I was never allowed to speak with people in those offices. On XX/XX/XXXX, the merchant sent me the document he received on XX/XX/XXXX, from his bank showing the {$600.00} adjustment to his account. On XX/XX/XXXX, I again had a letter faxed to my credit card company with the additional documents from the merchant ( attachment 9 ). The XX/XX/XXXX, fax was sent 92 days after the XX/XX/XXXX, communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
THIS IS NOT A DUPLICATE.  For the XXXX time in less than XXXX days Chase has processed a large item first so that they can then charge XXXX overdraft fees on small items.   A total of XXXX overdraft fees for $XXXX each totalling $XXXX was charged to my account.  Additionally the reverse positve pay that is on for my account is no longer working and does not give me the chance to review the checks before they pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We received a letter from our credit card company ( Chase ) stating that we were a risk to the reputation of their financial institution and our account was being closed. This was especially alarming due to the fact that when we tried to call about our mortgage ( with the same company ), the company was unable to verify our identity. I tried to inquire about how I could make sure I was n't being hacked and received zero help. We tried to contact the service number linked to our credit card about our account being closed and not a single person would give me more information than " I was a risk to their financial reputation ''. The only answer we got was that they had the right to close an account at any time and they were unable to give us any other information. Frankly, the representative we spoke with was extremely rude. We tried to talk to her boss and was told that she was the boss and no one was over ( even the CEO when we asked about that ). That is alarming in itself. We called three different times with no response. My concern is that we are being identified incorrectly and we are unable to get any further assistance from the company in finding out what is going on with both our accounts. We have the right to know why they are making these decisions and why they ca n't verify our identity on our mortgage over the phone. Chase has been the worst company we have experienced working with. We are both high-standing citizens, have good credit, pay our bills on time, and also respect our reputation. We do n't feel that being blacklisted over something we are pretty sure we did n't do, is appropriate. The company is un-willing to communicate with us over this matter and I feel that they are very disrespectful to their customers.

Company response to consumer: Closed with explanation