BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear Sirs, I have had 2 lines of credit with Bank of America since 2005. One is fixed and the other was variable. I have fully paid off the variable portion some months ago but during the process was never able to get a payoff amount for the variable portion. I pay my fixed rate portion on or before the XXXX of the month at the branch in cash and always pay additional toward the principal. I have been incessantly harassed by phone calls from Bank Of America stating that I have not paid my loan payment on time. I have repeatedly told them that I have the receipts but they tell me that the branch does not reflect the payment. This happens practically every other day and honestly I fear a sort of set up. they send me statements that I owe XXXX cents on the variable portion. I feel that this is totally in bad faith and that they are trying some sort of unseemly tactic. I feel harassed and harangued. I want to have my fixed HELOC vacated and damages awarded.

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 2017-06-27
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a Perkins loan through XXXX XXXX College several years ago. I am still a XXXX XXXX XXXX and the loan should be in deferment. <P/>XXXX XXXX College forwarded the loan to ACS campus products and services in order to service the loan and I am now receiving letters that my loan is in repayment and past due. <P/>I have tried contacting ACS customer service SEVERAL times via telephone and they do not respond to any calls. I am left waiting for a representative while background music plays and states " thank you for calling, your call is very important to us. Please stay on the line and your call will be answered in the order it was received. '' After 15 minutes the line goes dead and the phone call is ended. This is consistently. Over 10 phone calls. <P/>I have also tried contacting XXXX XXXX College financial aid. Apparently, XXXX XXXX has outsourced their financial aid phone calls to an answering service. I have called 4 times and have spoken to 4 different individuals who do not know anything in regards to handling this. Two representatives have even told me to contact XXXX XXXX financial aid ... which is exactly how I got to them in the first place as all XXXX XXXX financial aid calls are handled through them. I asked to be transferred to a supervisor - which they said they could not do. I asked to be transferred to someone in the actual financial aid office at XXXX XXXX college and they said they do not have the ability. I asked to speak to the dean of financial aid and they do not have that information. <P/>I called XXXX XXXX college 's general information number and spoke to an operator who stated they only had the same phone number as I did in regards to financial aid and confirmed that the calls were being outsourced. I asked to be transferred to the dean of financial aid and they were not able to do that either. <P/>I am basically unable to get information on my loan and unable to provide information to process a deferment. <P/>I find it to be in extremely bad taste that XXXX XXXX college has chosen to outsource such a critical department to a third party in which sensitive information is held, given, and provided and that they do not have a way to handle students concerns such as mine with direct assistance from somebody at the XXXX XXXX financial aid office. <P/>I also find it to be extremely concerning that a loan servicer, such as ACS campus products and services, who is supposed to assist and facilitate student requests on information about their loan has such an insufficient customer service system to the point that it is neglectful and could lead to major financial issues for those who have loans serviced by them by inappropriately reporting late payments and defaults onto credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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

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 2019-07-29
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE 2917 DATA BREACH CAUSED BY EQUIFAX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My identity was stolen. My social security card and id was stolen on XX/XX/XXXX. Since then i have notice multiple accounts and inquires appear on my credit report. The following accounts and inquires were not authorized by me and are in fact fraudulent. 

Creditor : XXXX XXXX Account number : XXXX Balance : {$950.00} Creditor : XXXX XXXX Account number : XXXX Balance : {$550.00} Creditor XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX Balance : {$160.00} Inquires XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am making a complaint against this collector for reporting an inaccurate information on my credit report and this collector failed to respond to 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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a XXXX XXXX  and COVID-19 has affected my XXXX and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.

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 2020-08-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been unable to access 'my.equifax.com ' since XXXX. Every attempt to log in instructs me to contact customer service. 

I have repeatedly contacted customer service. Each time, they instruct me to mail in a copy of my driver 's license, my social security card, my address, date of birth, and a description of the problem. 

I have submitted all of this at least three times : on XX/XX/XXXX ; on XX/XX/XXXX, and on XX/XX/XXXX. Their customer service representatives have given me various addresses and fax numbers throughout these interactions, and I have sent the documents to all of them, including by registered mail. 

Each time, Equifax reports either that they never received the information, or that they did and that the problem has been resolved. However, in each case, I continue to be unable to access the account. 

I have had great difficulty even determining whether I currently have a credit freeze and when it was placed, let alone creating or lifting one. In XX/XX/XXXX, after attempting to fix this problem, I instead received a letter informing me that they had lifted my credit freeze. 

I believe I called and created another one, but since then I have been unable even to confirm this because, when I ask, they instruct me to mail them my documentation again. 

On certain occasions, they have told me that I was being transferred, only to be hung up on. In one case, I waited over an hour for a transfer to the " Office of Consumer Affairs, '' which is apparently an escalation team. After an hour, they hung up on me. When I called up again, I was told that I could not speak to the Office of Consumer Affairs until I sent in my documentation again. At that point, I gave up until a friend advised me that I could complain to the Consumer Finance Protection Bureau. 

These problems have caused me to give up on credit-related transactions, including the purchase of a car, even though my credit score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: U.S. BANCORP
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My Subsidized loan from US bank is serviced by XXXX XXXX XXXX and recently transferred to XXXX XXXX. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to XXXX XXXX XXXX XXXX without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with XXXX XXXX upon transfer I was unaware I was missing payments until I was 3 months late. XXXX XXXX has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted XXXX XXXX and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.

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 2019-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-02-19
Company: EQUIFAX, 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:
N accordance with the fair credit reporting act XXXX  account has violated my rights. 

XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct  # XXXX 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 consumers reporting agency can not furnished a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have asked several times about the XXXX forgiveness program and was told by several workers at Navient that I do not qualify. They should have a record of each and every time that I called in regarding this matter. I make my payment of {$180.00} monthly and all of this is being applied to the interest on the loan. I do not see my balance going down. I make my payments on time and been paying on this loan for almost four years. Each time I have called into the company no one is willing to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Transunion that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone XXXX, Transunion and XXXX directly to dispute the inquiries that I did not authorize. I explained that the only bank XXXX XXXX XXXX was authorized to run my credit with was XXXX XXXX since we already had our letter and this was our lender. I requested that all other bank inquiries be removed and I was told by each that it is legal for an auto dealership to run your credit through several banks and all of those additional bank inquiries would remain on my credit report for 24 months. I did not authorize XXXX XXXX XXXX to run additional bank inquiries and that does not make it right or legal for them to do so.

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 2022-01-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/21 I purchased a XXXX from Nissan in XXXX on XXXX XXXX XXXX XXXX We paid with a check in full, but the finance manager, believe XXXX XXXX, processed it as a financing " to wait a couple of days until personal check clears ''. The check cleared in XX/XX/21. But at the end of XXXX we received a notice from DMV that Nissan is the lienholder. I have called countless times - every person just transfers to the next without doing anything. We emailed XXXX XXXX at financing department on XXXX he never replied. There is still a lien on our fully paid car and nobody wants to fix this problem. Terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Investigation took more than 30 days

Complaint:
I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, Experian XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone Experian, XXXX and XXXX directly to dispute the inquiries that I did not authorize. I explained that the only bank XXXX XXXX XXXX was authorized to run my credit with was XXXX XXXX since we already had our letter and this was our lender. I requested that all other bank inquiries be removed and I was told by each that it is legal for an auto dealership to run your credit through several banks and all of those additional bank inquiries would remain on my credit report for 24 months. I did not authorize XXXX XXXX XXXX to run additional bank inquiries and that does not make it right or legal for them to do so.

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