BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

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 explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several items on my credit report that I have paid off over a year ago. Being the lender XXXX XXXX required that all open collections be paid off and they wrote a check to pay off items in order for approval of funds. 

The following account name - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Their investigation did not fix an error on your report

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. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my endeavor to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}

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 2020-01-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have been disputing this account XXXX/web bank several times only to recieve a letter that there information on my credit report is accurate. I have sent proof over and over where it shows inaccuracy with address. I have no knowledge of this account and this account is hurting my credit scores.I have been trying to build my credit in hopes to purchase or even rent a bigger home for my kids and I. This account keeps my score down. I have the papers that was sent to me by the creditor them selfs and it shows inaccuracy. I just want this off my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Bank of America to save my home from foreclosure. I am completely XXXX in that I have XXXX as well as XXXX case that has rendered me unable to work. My husband also recently lost his job and is on unemployment. I recently was approved for XXXX benefits. Bank of America was aware of my situation and not only that, my file was active for short sale. The sale of XXXX/XXXX/16 was to have been postponed due to the active workout status but Bank of America sold the house and they are now refusing to revert it back to me and my husband. They had no right to illegally dual track, on the one hand have me in active work out status and then turn around and sell my house. They are discriminating against me because I told them I have difficulty getting certain documents to them and now, without any notice they sold my home. I have a XXXX year old ion the house and now with this foreclosure, we are going to be homeless, and I do not know what will happen. They have destroyed any possibility of me getting a new place to live and slapping me in the face with a {$2500.00} offer to move out of a home I have been in for 10 years. I also am a XXXX veteran, this war with my lender is not like any other. Bank of America even as of last week sent me a letter requesting that I provide certain documents to them for the work out, so why are they not rescinding the sale so they can actually help me and my family. Please HELP. God Bless you and God Bless America, do n't let these lenders put us out on the streets, I fought for my country.

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 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I was initially interested in getting a car loan, but the bank representative gave me a home equity credit line for a much higher amount than needed without fully explaining what it entailed. I made my regular payments on-time, but then received a bill for 3 times the amount of what I normally paid.

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 2015-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Me and my wife were unemployed since XX/XX/XXXX and both got job XX/XX/XXXX. Bank of America, unwilling to help with past due amount of $ XXXX, even we have a equity in the house for over $ 200K and accelerated the loan and filed for foreclosure. They have done the same scam in the past with different home, pushed us chapter XXXX and chapter XXXX bankruptcy and now they are trying to push us in chapter XXXX bankruptcy. The Bank of America ( BofA ), ripping a part of family with XXXX little XXXX XXXX children involved. The BofA, keep changing single point of contact, asking same documents multiple time, accelerated the day we got the job, coming our house, keep taking pictures, sending people, realtors to my house and listed in the court house for foreclosure. The BofA, got lot of federal assistance and unwilling to help XXXX XXXX citizens. We need assistance in modifying past due amount to catch up and please help us in stop the foreclosure & scam of BofA. As we all know US Attorney general sued BofA for irregularities of XXXX XXXX dollars grant by XXXX XXXX US Attorney general. I called making home affordable.gov and various other federal and state agency I see no hope of help to XXXX XXXX citizen family. I can be reached at : XXXX and my email address is : XXXXXXXXXXXX. We need your department help and save XXXX XXXX citizen family kindly. We do not to become homeless, loose life time savings of $ XXXX. The BofA, deliberately ruined our credit by not providing help and assistance even when they federal money sitting in there bank to help american citizen. President Obama, giving money to banks, but the banks are not helping. Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: JPMORGAN CHASE & CO.
State: TN
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:
XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX Inquiry : XX/XX/2022 JPMCB - CARD XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
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 to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 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 2018-01-18
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/2016 Wells Fargo was my note holder as well as the holder of the Home Equity line of credit. When the home was sold the Home equity line of credit was supposed to be paid off. I have contacted the attorney that represented me, XXXX XXXX XXXX PA law offices. The Law office advised me that there was a mistake made. I have been paying on this Home equity line of credit for 1.5 years believing that it was my mistake. I recently discovered that not only am I not getting the mortgage interest write off but that the home equity line of credit extended by Wells Fargo should be paid by the home owner. I have contacted Wells Fargo as well as the attorney office and have gotten little to no help. I was told there was a title mistake made. I have been told the attorney made a mistake. I have also been told that Wells Fargo made a mistake. I do not understand why I have been paying for this ( automatic withdraw ) for 1 year and 6 months. Please help in however you can. 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 explanation
Consumer complaint received 2015-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been applying for bank accounts and have been denied. 
XXXX and Bank of America are XXXX bank accounts that Ive had in XX/XX/XXXXboth accounts have been involuntarily accessed and deposits andwithdraws have been done on this account, each transaction wasTELLER TRANSACTIONS. 
When I first noticed it with the XXXX account I immediately brought it XXXX ( XXXX branch Acct. Manager ) she closed the accountand handled the issue for me. 
Months later it came to my attention that the same activities occurredwith my Bank of America account. On numerous occasions I madecontact to resolve this issue. PLEASE HELP ME! PLEASE XXXX AT BANK 'S AND TELLERS THAT PROCESSED THESEFRADUALENT ACTIVITIES & gt ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The bureaus are reporting a current balance of either {$72000.00} or {$82000.00} as of XXXX. Both of the balances being reported is wrong. I have attached copies of my bank statements from XXXX, XXXX to XXXX, XXXX. These statements clearly show every on-time payment that has been made on this account along with the correct current balance. The lates being reported on my credit report are absolutely false and need to be removed IMMEDIATELY. This false reporting of lates is seriously harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I looked at my credit card account ( B of A ) visa card on XXXX/XXXX/2015. There was acharge from XXXX, a web site I had never visited or bought anything. I contacted bank & they will issue me a new card. I suspect that this may be a web site for fraudulent credit card transactions. If so & it will help others if it were shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30
Company: General Motors Financial Company, Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am being contacted at my place of employment after submitting XXXX complaints online stating that I can not receive collection calls at my job and after removing my work number off of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: eMortgage Funding LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my condo in order to remove it from a VA loan because I was purchasing another home using VA. The loan XXXXfficer submitted the paperwork as a primary home although I brought it to his attention on a couple occasions and his reply was that it would be fine to refinance it that way. He also indicated that at the time he has four homes financed this way and it would not be a problem for me. Well .... When I went to purchase the new home, it was problem. I now had to refinance the condo again in less than a month and this time pay out all of the closing costs out of pocket. To include I had to produce the fact that I had over XXXX in the bank to secure both properties. I have reached out the loan officer and his boss several times asking for Errors and Omissions XXXX & XXXX XXXX information so that I can file a claim to be reimbursed for this mistake. To date I have not received this information nor a call from either of them that let 's know what is happening with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I XXXX from college in XXXX and consolidated my subsidized and unsubsidized student loans for a 20 year term. Since XXXX I have done the following in an attempt to pay off my loan sooner : 1 ) Paid more than my minimum payment for the first 5 years 2 ) Signed up for automatic withdrawal to ( supposedly ) qualify for a 0.25 % interest rate reduction 3 ) The 2 years I was in XXXX school the unsubsidized portion of my loan was ( supposedly ) not accruing interest, however, I was still making MORE than the minimum payment in an attempt to pay off my loan sooner. 

When I logged onto my account this month XXXX XXXX XXXX ) I noticed my payoff date was in XXXX - this would make my loan term 22 years from my date of XXXXon in XXXX. How is this possible when I had a 20 year term AND had done the above XXXX activities in an attempt to REDUCE my loan term? I called Navient to inquire and got different stories from every representative and supervisor I talked to. The supervisor I spoke to indicated he was forwarding my complaint to Navient 's research department to investigate. The next day I received a useless letter from the research department that simply contained my loan amount and the payoff date ( in XXXX. ) I called Navient again and told them I was reporting them. The representative I spoke to this time just kept saying " well, we bought your loan from XXXX. '' I really do n't care who bought or sold my loan as I had no say in this matter at all. I signed an agreement when I consolidated my loan ( to a 20 year term ) and it was obviously broken in some way without my consent. In this situation there is no physically possible way that Navient was not taking money in some sort of unethical manner. This needs to stop. Others need to be protected from this happening to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Bread Financial Holdings, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My issue is with PayPal Credit. 

On XXXX/XXXX/17 I purchased an item from a seller on eBay and paid the seller using PayPal Credit ( {$130.00} ). 

Sometime after this transaction was completed, my XXXX account was compromised and the fraudster changed my contact and address information ( I did n't learn of this until several weeks later ). The XXXX seller shipped the item to the fraudster 's address, so I never received it. I contacted eBay and they confirmed that my account had been compromised, so we changed passwords to rescuer the account. 

In the meantime, I filed a dispute with PayPal ( dispute ID XXXX ). I was just notified by PayPal that they declined my claim, as they confirmed that seller had shipped product. YES, SELLER SHIPPED PRODUCT TO THE FRAUDSTER 'S ADDRESS AND I DID NOT RECEIVE. I should be covered under PayPal 's Buyer Protection promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i dont know why this is still reporting on my report when I have already toldf Transunion about them violating my rights by keep posting this account like its mine. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}

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 2022-02-24
Company: Chaparral Inc
State: OH
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:
Company has pulled my credit report multiple times without permissible consent. 
Company Name and address- XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX OH XXXX Unauthorized Inquiries below. 

XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX The date on the credit application XXXX XXXX from XXXX XXXX  says I gave consent to pull my credit report is from XX/XX/XXXX. That is almost 7 years ago, inquiry 's fall off credit reports in 2 years according to the CFPB. 

Also, the credit application sent from XXXX XXXX date at the top doesn't match the date where the signature XXXX XXXX says I've signed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Issue with Navient Student Loans - I refinanced my mortgage and closed XXXX XXXX, 2016. The escrow company sent checks to pay off my wife 's student loans. Navient cashed XXXX check, lost the XXXX one, and we found out a month later they did n't credit any of the monies against her account. But we had to call to have them send back the money they kept. 

We 've called like 10 times, spoken to supervisors, been sent to other departments, etc. 

Navient then returned some funds, so we sent XXXX more checks XX/XX/XXXX to clear the account. They cashed the checks but did not credit the accounts for the monies they 've received. My wife 's account then went into default, so we did a forbearance. 

A month later they said they sent out the checks to escrow. Three weeks later we called again and they said no they had n't sent the checks but were sending them out. Then weeks went by, no checks, and they said they still had n't sent them out, but they would. 

Now it 's XX/XX/XXXX, no checks, they said they sent the checks out again and no one has seen the checks. 

We just want them to take the money they have of ours and credit her account, credit her with the interest they 've overcharged her while they had her money, and be done with this and Navient! 

XXXX XXXX XXXX wife XXXX XXXX

Company response to consumer: Closed with explanation