BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX acct:XXXX  XXXX XXXX acct:XXXX XXXXXXXX XXXX acct : XXXX XXXX  acct : XXXX XXXXXXXX acct : XXXX XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX Acct : XXXX XXXX acct : XXXX XXXX acct:XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX acct : XXXX XXXX XXXX  Acct:XXXX  XXXX XXXX acct:XXXX XXXX XXXX acct : XXXX In accordance with the Fair Credit Reporting act 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 2016-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a XXXX and a XXXX mortgage on my primary residence. At some point, the loan was sold to Bank of America. In XXXX, I paid-off the XXXX mortgage in full. XX/XX/XXXX, I sold my home and paid off the XXXX mortgage in full. The problem is that the escrow company is holding back a sum of money equal to the XXXX mortgage because Bank of America refuses to send a letter of satisfaction regarding the XXXX mortgage. The dozen or so times that I have waited on hold, and endured repeated transfers, Bank of America can only tell me that they are not sure why the system wo n't send out a letter.

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 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America - Mortgage Loan # XXXX - Bank of America sent the handling of my loan to XXXX XXXX at the end of 2016. I have been trying to obtain my 2016 tax statement in order to file my Tx Return for 2016. Bank of America has not sent it and refuses to do so. They insist I owe them payments for 10 months although all payments were made and I have verification of payments. They will not call me back or send the TAX info for 2016. What do I do?

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 2017-01-19
Company: Navient Solutions, LLC.
State: OH
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 borrowed XXXX form XXXX XXXX that is now Navient with the help of a co-signer in 2004. I have been paying on this loan for 10 years and still owe XXXX. I have been charged late fees when my payment was on time. I have paid over XXXX in interest and the principle has never gone down. They refuse to let my Co-signer be released even after this long period of time & payments being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: TX
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:
According to 12 CFR Part 1016, I have the right to privacy. On XX/XX/2022 I walked into the dealership approved for a vehicle. I noticed that on XX/XX/2022 that I have several inquiries from XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX that I did not consent to. I was already approved through XXXX  XXXX and did not see a need for these hard inquiries.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CA
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:
Navient was my student loan processor for the last 6 years. I have been trying to pay off a student loan since 2002. I was placed in several plans that caused a negative amortization. so at the end of that time period i owed more than the original amount. I then applied ( through Navient ) to qualify for a public service discharge of my loans. I spoke at length with a Navient representative and they placed me in a level pay plan ( automatic deductions ) that raised my monthly payment but also paid off. a little of the principle every month.This was two years ago. At the end of last year ; I was approved for the public service forgiveness program ( I have been a public school teacher since 2002 ) and my loan was turned over to XXXX. I kept making payments and last month I was told by XXXX that I was on the wrong payment plan to qualify for any loan forgiveness program. I started with XXXX in debt ( XXXX of which is interest on the original loan amount ) and after making 2 straight years of XXXX a month payments ( XXXX dollars ) I reduced my principal to around XXXX dollars. I was forced to accept the extended payout plan which according to XXXX would let me ; after XXXX on time payments ( 10 more years ) qualify for thier public service forgiveness program So now I pay monthly XXXX and at the end of 10 years I will owe more money because of negative amortization! ( the interest rate was raised to 7.5 %! ) and then I will only hope that I can get the debt forgiven ten years from now. This is the worst type of usury abuse and should be an embarrassment to all involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX in the year XXXX I started school at the University XXXX in XXXX. I took a very small load of classes at the time. I have to mention i am from XXXX, Texas XXXX. While I was attending at the Universtiy XXXX in XXXX. My Families home was hit by Hurricane XXXX so i told all my professors that i am going back to TEXAS. I also filled out the proper paperwork at the registar 's office to withdrawl from the University. So i was told everything was good and i had withdrew from the University the correct way. Anyways when i got to Texas and was helping my family with all the difficulties of the hurricane. I started getting puhone calls and letters from Navient i have repeated my story to them with no help ... This has been going on for a long time.. They keep re-appealing this case and the interest just keeps going up??? What can I do?? The President had declared my families Home a disaster area!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX XXXXDEPT OF ED XXXXDEPT OF ED 15 U.S.C 1681 section 602 A 1 have the right to privacy.

15 U.S.C 1681 section 608 a section 2 : its 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 2022-06-01
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: Personal information incorrect

Complaint:
On or about XX/XX/2022, I mailed a certified letter to Experian demanding that all inaccurate names be removed from my credit profile, and in fact, I supplied them with written information of the correct spelling of my name as it should appear on my report, and all other variations of my name should be removed, as they are in fact not my name. My legal name is XXXX XXXX XXXX, and all other spelling variations should be removed, as that is not my name nor have I ever gone by that name.

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 2020-04-18
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent Midwest Recovery Systems a certified letter disputing a pay day loan that I really don't recall. I ask them to send me evidence of this loan and the amount. It is on my credit report in the amount of {$2400.00}, I have never received a pay day loan with high of an amount. Midwest Recovery Systems said they are collecting for 12 XXXX  on my credit report. On my credit report it says the date opened XX/XX/XXXX on XXXX  and XXXX on XXXX  and XXXX  . I have never received a letter from this company about this debt. And they are continually to report this debt on my credit report, like every other week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the following creditors have violated my rights : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dept of Ed Dept of Ed XXXX XXXX XXXX never lived here ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Incorrect Name : XXXX  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 : 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 2022-06-01
Company: Early Warning Services, LLC
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:
I have received a copy of credit report and noticed several accounts and inquires that were reported without my knowledge, Fraudulent applications have been submitted in my name and my identity has been used without my consent to obtain goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX XXXXDEPT OF ED XXXXDEPT OF ED 15 U.S.C 1681 section 602 A 1 have the right to privacy.

15 U.S.C 1681 section 608 a section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: AmeriCollect
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:
I have accounts that dont belong to me and have been removed fromm my credit report by XXXX and XXXX. XXXX  has not removed any of these accounts that are incorrect and negatively affecting my credit XXXX credit score.The accounts are listed below : 1 ) XXXX XXXX- account # : XXXX, opened XXXX, XXXX, XXXX ( CHARGE-OFF ACCOUNT ) 2 ) XXXX XXXX XXXX-account # XXXX, opened XX/XX/XXXX ( CHARGE-OFF ACCOUNT ) 3 ) XXXX XXXX- account # XXXX, opened XX/XX/XXXX ( COLLECTION ACCOUNT ) 4 ) US BKPT CT GA XXXX ( Bankruptcy chapter XXXX- dismissed ) - Reference # XXXX XXXX ) XXXX XXXX XXXX account XXXX XXXX ( CHARGE-OFF ACCOUNT )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: FL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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  account number 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 2016-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
These are the same accounts from CFPB case # XXXX. Also, please see the attached letter from XXXX which states my identity has been exposed to the public. 
These accounts were already removed and someone, please remove them ASAP. 

account has not been paid as agreed. 
XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$110.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$110.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$130.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$130.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$180.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$180.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$120.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a XXXX XXXX in XX/XX/XXXX and had to file a bankruptcy, which is stillbeing reported. In XX/XX/XXXX I had XXXX credit cards put on a debt settlementprogram which has been paid. But the credit bureau still is reportingthat I have serious delinquencies and I did n't have delinquencies beforethat and none since then. That causes a lot of places to turn you downwhen applying for credit. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Due to my profession, now retired XXXX XXXX I have been monitoring my credit reports. This was mainly due to security server breach in XXXX XXXX and XXXX exposing my personal information in XXXX of XXXX that continues to date. Ive had to fight constantly with experian over incorrect information with either credit reporting or wrong information. There is now an active military alert on all three credit reporting agencies. On experian, I noticed a soft inquiry, where it just reads requested from court on XXXX occasions, XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX. I have written to experian once, emailed there customer service once and attempted several time, over ten times to call them on different phone numbers and dates for an explanation to this soft inquiry, as to who this is and information to this entity asking for soft inquiry information from experian. Experian has not answered me other then an email, telling me to call there customer service # they provide but no one answers the phone. Ive been on hold every time I call, sometimes for over an hour with no response, only to be disconnected. I want an answer to this court listing on my experian credit report on the dates provided above, the contact information from this entity, location and any related information so I can contact them as to there reasoning to run a soft inquiry on my experian credit report. As working in law enforcement, and knowing people abuse our systems, I want an answer and information from this court listed as asking for a soft inquiry on my experian credit report. FYI. This entity is not listed on my XXXX XXXX or XXXX credit report, only experian. I have reached out to fellow active government employees who have no information to such but would know. The idea that this soft inquiry on experian only and not XXXX XXXX or XXXX is alarming to me and I would like an answer from experian with information to this entity asking for the soft inquiry on dates I provided

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 2021-03-12
Company: Skrill USA, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Skrill Inc withdraw money from account via ACH from my bank account thats not registered in my wallet my account that is registered with them is XXXX they withdraw from XXXX XXXX Account dont know how they got my Checking Account information from my secondary bank. They been giving me the run around for two weeks. Their has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I thought this issue was resolved. I cancelled my credit card with Bank of America, but they soon sent me another one ending in XXXX. I did not request it or activate it. Instead I cut it up and discarded it. Yesterday, I got an unsigned letter from Bank of America telling me they reduced my credit rating, issued me a credit line of {$500.00} due to delinquency on an account or payments on an account that were insufficient. The problem here is that I have NO active account with Bank of America. I have none of their credit cards, no loans, no debt whatsoever. I feel I 'm being harassed and punished for NOT activating their unrequested credit card. 
How do I restore my good credit and get Bank of America to leave me alone?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
I have reached out to XXXX XXXX XXXXXXXX, Chexsystem, and XXXX XXXX  to remove a mark/flag that indicates that my account with XXXX XXXX XXXXXXXX was closed due to fraud. I in no way want to open a new account with XXXX XXXX  XXXX, but would like the opportunity to open a checking account with another reputable financial institution. Unfortunately, I can not due to the mark on my consumer report. It has now been close to 5 years since this was reported, and my understanding is that this should have fallen off the report by now.

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