BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: CA
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 submitted a dispute with Experian regarding information reported by  XXXX   XXXX   XXXX  for {$420.00}. I electronically challenged the accuracy, compliance, and reportability of this information and stated : " Please validate this information with  XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A ) , and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification. '' Experian replied with " verified '' but did not provide me any documentation nor show anything bearing my signature.     On  XXXX   XXXX ,  XXXX , I sent a certified letter to Experian, Tracking # :  XXXX   XXXX  attached ) requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifte en ( 15 ) da ys of the completion of your reinvestigation. I asked the to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.     This letter was signed for on  XXXX   XXXX ,  XXXX  by Experia n ( attached ).      On  XXXX   XXXX ,  XXXX , I received a response from Experian which was dated  XXXX   XXXX ,  XXXX , 2 days past the deadline. Their response was exactly the same as the first request for validation. They merely stated " verified ''. Again there is no signature from me showing a legal binding obligation to  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 2022-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CERTIFICATE SAVINGS DEPOSIT ( CD ) FROM XXXX XXXX XXXX XXXX. I had a will from my Father, because XXXX English i keep the WILL in 25 yeas, and i have CERTIFICATE DEPOSIT ( CD ) FROM XXXX XXXX XXXX XXXX GUARANTED AS A MEMBER FDIC account number is : XXXX under my Father name is XXXX XXXX XXXX XXXX  XXXX XXXX... PLEASE, Help me how to find out the XXXX XXXX XXXX  XXXX XXXX THANK YOU SO MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report, Its been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2022 XXXX XXXX XXXX was advised verbally on the telephone that we would be purchasing our Leased vehicle from the originating dealership by the end of the month. It was further discussed that an outstanding balance of {$200.00} would be added to the purchase price. Subsequent to that conversation, our dealership obtained a payoff amount to be valid until XX/XX/2022. On XX/XX/2022 we paid the payoff amount to the dealership with a cashiers check from our bank. On XX/XX/2022 XXXX XXXX XXXX repossessed the vehicle. 

XXXX XXXX XXXX states that the repossession occurred because of a {$200.00} outstanding balance that was 67 days past due. XXXX XXXX XXXX states that they attempted to call at our primary cell phone number, yet we received no missed calls and no voice messages. XXXX XXXX XXXX denies having a secondary cell phone number or work phone number, yet I received voice mails on both of those numbers from XXXX XXXX XXXX on XX/XX/2022 ( After business hours ) and the morning of XX/XX/2022. XXXX XXXX XXXX would not answer why written notice was not sent to our address on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX Acct # ( 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 explanation
Consumer complaint received 2015-11-30
Company: Navient Solutions, LLC.
State: DC
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:
Hello - I have XXXX private student loans through Navient, which were originally XXXX XXXX loans. I have had these loans prior to XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX through XX/XX/XXXX I was enrolled more than half time in a law school program and from XX/XX/XXXX-XX/XX/XXXX I was enrolled in an LLM program more than half time which I am still enrolled in to this day. I received a bill from Navient last month stating that my in school deferment had ended on my loan, as the in school deferment option had ended on my loan and that the loan documents stated that there was only a 2 year period of in school deferment. This is odd, because I obviously have exceeded the 2 year in school deferment from XX/XX/XXXX-XX/XX/XXXX. When I called to discuss this option I was informed of this and was treated rudely, even when I asked why this provision was being enforced now? I asked to see my loan documents to see if this provision was included in the loan documents and was told that this provision existed and that my loans were audited and that it was revealed that my two year period had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
One day I noticed late payments from Navient on my credit report. I immediately contacted Navient regarding the late payments and balances reported on my credit file. I even requested my promissory note and original documents, but was told that they did n't have them on file. Ultimately, Navient removed the late payments from my credit reports. However, the balances, which are extremely high, still reflects on my report. Navient did not remove these balances after learning they were in error by reporting them on my file in the first place, because my records showed that my student loans were in forbearance at that time. This has been very damaging to my credit due to the high balances of my student loans. In addition, Navient have failed to provide me accurate documentation reflecting those balances. I can say that my student loan balances have increased substantially after being transferred from XXXX XXXX to Navient. I 've complained about it to Navient but was told it was merely interest. My response was, " this is an unethical amount of interest. '' In closing, I feel like I 'm being ripped off. I feel that Navient is mishandling my loans. I 'm not even sure I owe what they claim I owe. How can I find out what is accurate and what is not? My hands are tied here. I do n't know what else to do. Can something be done about Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Franks Adjustment Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received an  XXXX  alert stating that I have a new collection fro m Franks Adjustment bureau in the amount of {$480.00}. I have no knowledge of this account, I have also never received any correspondence regarding this account. I did some research also and I was unable to also confirm that this company is allowed to collect in my residential state of IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I filed a dispute with Experian disputing XXXX XXXX. This creditor has been on my credit report since 2008 according to XXXX XXXX. But I never applied for a credit card with this company. Also, I am within guidelines to request the removal of this old creditor and Experian has refused to remove it. I am again requesting for XXXX XXXX, account number XXXX to please immediately be removed from my Experian credit report.

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 2017-07-07
Company: STATE EMPLOYEES CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent bank statement to this app to try and get money in advance .... it 's been since XX/XX/XXXX or XXXX 2017 and I have not received any money. I just wanted to know what 's taking so long??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report i seen that i have some unauthorized credit inquiries, i contacted all 3 credit bureaus and placed fraud alert as well as disputed the inquiries, Equifax sent me a letter stating that i need to contact the creditors, i contacted the creditors and received letter from most creditors that the inquiry is fraudlent and will be taken off my credit report, i sent copy of all letters to Equifax and there was no response neither deletion of the inquiries, along with this i received notifications from XXXX that my identity has been sold on black market and as well a notification of unknown attempt of someone signing in into my email, i contacted Equifax again concerned about my identity and inquiring about the fraudulent inquiries and never received any type of response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent Penn Credit the exact letter below. I provided them with the correct information and my address was included. They have yet to reply and it is the XX/XX/XXXX. I believe this falls within the 30 days and debt should be removed. I also provided them with a copy of my credit report show the debt was still being reported despite my request to stop reporting it. I also verified that my letter was received by Penn Credit over a month ago. 

Account info XXXX Collections date XX/XX/XXXX Balance {$1900.00} Original {$2100.00} Penn Credit XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. During the reported date opened I was overseas and without any services in the United States. 

Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Uncle and I opened a Bank Of America credit card last year. Bank of America mailed out new credit cards without advising us. They said the cards went out activated. They said the cards must have been intercepted per Bank Of America 's customer service representative. Fraud charges were charged on the card, they all but accused us od doing it. The person that did the fraud was able to make charges, make fraudulent payments and charges in another country. Bank of America did not do their due diligence in protecting the account and our information. They also sent info to the credit bureau closed due to fraud by credit grantor which made it look like we did the fraud. So after all of this they are telling us they closed the account and we would have to reapply for a card. This should be illegal, so if they deny the credit card being reopened it 's negative and if they open it it 's a ding on our credit report. We should not be penalized for this. I am not going to ra apply, we should just be issued another card and we should be able to close the account not them. They punished us the customer for something we did not do. This is less than a bank and I believe the fraud is an inside job. Too much happened on the account for it to be an outsider. Please help us resolve this issue.

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 2020-04-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been talking with a XXXX XXXX a Senior Vice President at Bayview about a couple of issues and I am ignored and jerked around by this company. I guess the people at the CFPB are just as big of XXXX as the people at Bayview are because the CFPB does nothing. I guess all the new Federal laws and mandates with the C-19 going around Bayview just ignores you. Maybe some ignorant XXXX at the CFPB should do something and help people since that is what they are suppose to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
I filed a complaint against XXXX XXXX XXXX because of a denial of a student loan. They contacted me and told me that they can't appeal their decision due to the XXXX score received from Equifax. Equifax offers a product called XXXX XXXX XXXX, which provides a XXXX score from 0 - 600. Mine was reportedly in the low 100s, indicating that I would most likely claim bankruptcy in the next 24 months ... This is news to me. I have reviewed my credit report and I have never been late on a payment, no liens, no judgements, ever ... My revolving balances are less than 50 %. I have over {$50000.00} in liquid assets, plenty of equity in my house, yet Equifax arrives at this score. When I called Equifax twice, I was on hold 45 minutes the first time and over 1 hr the second time. The first representative said they don't offer the XXXX product, despite it clearly being on their website, which I tried pointing out. The second gentleman was also no help. I pay two of my credit cards in full each month, the remaining are on 0 % interest, which I would use my liquid assets to payoff at the time of the promo expiration. I believe because I have never been late, with no liens, judgements, or under 50 % utilization the score they are providing and cant explain to me is unfair and unjust. Due to this I am unable to obtain a refinance of my student loan to cut the interest rate in half, XXXX XXXX is putting the reasoning entirely on the score provided by Equifax, which no one can seem to provide reasoning for it being so low or how it is calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This was never reported to the credit bureau by the presiding judge. It needs to be removed, and Equifax is refusing to remove it. I have disputed this with Equifax , with evidence, I have disputed this with CFPB with more evidence, and I am disputing it again. This is incorrect and if it is not removed in 24 hours, I am contacting my attorney, XXXX XXXX, to sue Equifax for damages for illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputed wrong information on my credit file for over 6 months, and still Experian has yet to properly conduct the investigation and send the results as I want them. As a consumer, I know my rights, and I know what is suppose to be sent when disputing accounts on a file that do not belong on there.

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 2020-04-06
Company: ID Analytics, Inc.
State: AR
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: Other problem getting your report or credit score

Complaint:
I received a denial of finance from an auto dealership. And listed as a credit reporting agency is SageStream. Besides the fact that they are mostly unheard of, how can it be fair to consumers for this invisible company to rate our credit when they obviously use a totally different means of using their information. And with them having close ties to these other companies that sell consumers products and services that are closely tied to needs/ideas of the information they are reporting on?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to THE 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: PA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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