BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am writing a complaint in regards to Navient/Salliemae. I borrowed loans to finish XXXX year of school. I graduated in XX/XX/XXXX. However, when I upon graduating, after the XXXX month grace period I immediately began to repay my loans back. After almost XXXX years of repayments my loan balance has not changed and in some cases has increased since I borrowed the money in XX/XX/XXXX. I have called to dispute my payments over my account and have been faced with representatives hanging up in my face, transferring me endlessly and inaction. I became very ill over the years and continued to pay the student loans. In XX/XX/XXXX and XX/XX/XXXX I called to dispute once again and was ignored. Last week I called to dispute once again. I was unaware of the current lawsuit until today. I called and spoke with XXXX and requested a copy of my payments and charges and contract. Instead I was given a pdf file with a note saying my account was adjusted. XXXX was deducted so I sent a response saying that this was not sufficient and not was I had requested. I was given no response so upon calling this morning was transferred and ignored until I continued to request for a supervisor and wait until I talked to XXXX. I spoke to XXXX who said she would send my payments and contract with XXXX to XXXX days. While I attended school for graduate studies I continued to make payments of about XXXX per month or more. However, many of those payments and others have been omitted from my account and not counted toward my balance. Most of my money was taken and called " interest ''. I am highly disappointed with XXXX/Navient and can attest that they are more harmful for the XXXX people. They have done considerable harm to me and my family. I am an ill person who is unable to work. I was unable to dispute and fight as some individuals have. I am to weak to fight back. I think it is an American crime to take advantage of the XXXX and people who just want to go to school and get an education. They harm the country not help it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.

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 2023-03-30
Company: EQUIFAX, INC.
State: NY
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:
A vehicle lease was opened fraudulently in my name, I contacted Equifax first and they verified the account as accurate and told me to contact the furnisher. I made a complaint to the consumer financial protection bureau about equifax and contacted XXXX XXXX directly. I sent them a letter of validation as required by the financial credit reporting act requesting all the documents with my signature and matching identifiable characteristics. Please note : I never received what I asked them for, instead they sent me a fraud packet to fill out and a list of identity documents to submit which included. Birth certificate, copy of social security card, drivers license, passport, phone bill, police report. This dispute has been going on for over 1 year and a half with no corrective measures taken. This XXXX I received a letter from XXXX XXXX stating that their records indicate a credit application was submitted fraudulently in my name by XXXX XXXX and is invalid due to identity theft. This letter also stated that the account will be removed within 30-45 days. I have since contacted XXXX XXXX being that 45 day period expired to inquire about the account remaining on my report and they denied having any knowledge of any letter that was sent to me regarding the removal of this fraudulent account. Below I have attached the actual letter and envelope it came in, please take note of the dates on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a complaint to Transunion over a moth ago and they have yet to respond. I have been disputing accounts on my credit report that are inaccurate. They have failed to send me proof of how they investigated my dispute. By law they are to respond to me within 30 days with the original contract that I have signed. If they can not prove the the items I am disputing are mine according to the FCRA section 609 law then those items must be removed. What Transunion is against the law and I am in the process of filling suit.

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 2015-07-29
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
threaten to put lien on property assets and garnish wages harassment XXXX times daily threats made daily calling other people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: PA
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:
Experian service has my income Incorrect on there website. 
They have {$55000.00} Year income. 
That's not correct, the correct amount should be changed to {$94000.00} yearly income. 
This wrong salary has caused my net income to show debit to ratio at 65 % usage. 
My credit score has drop by Over 40 points this unfair business Practices. 

I have sent disputes, talked to Experian agent multiply times Since XX/XX/2023/ with a copy of my credit report from a chase Issue. 
Please help me contact appropriate department to corrected matter over 6 years wrong on my records. Thanks 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 2023-03-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
the bank put and offer of balance transfer between XX/XX/XXXX and XX/XX/XXXX  I tuck the offer to make a balance transfer on XX/XX/XXXX of XXXX    in the terms of the offer and on the following month of XX/XX/XXXX  was charge interes for that month It only shud be XXXX of interes charge no XXXX per cent BMO Harris Bank also the bank never publish when the due date of the balance transfer end

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 monetary relief
Consumer complaint received 2015-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit report specifies that I have or had a mortgage along with a few collections accounts that I have never owned or been a party to. My identification has been stolen. Please help as this is affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX Bank of America recorded a reconveyance on my property, in error, that has nothing to do with me or my property. I live in XXXX the reconveyance should have been recorded against a property XXXX. XXXX should have been done XXXX., XXXX XXXX I thought the problem was resolved sometime ago, however, when I refinanced my mortgage XX/XX/XXXX, this problem " popped up again. '' I have called, written, ed faxed and provided all kinds of documentation, but to no avail.I was give a case number # XXXX which I am told was closed due to lack of a Title search. There was a title search done during my refinance and the title company forward a letter explaining the problem ( see enclosed ). Apparently this letter was rejected or ignorned. I am unable to speak to anyone other than a " clerk '' who reads notes off of a computer file, which do not make sense to me.. XX/XX/XXXX I asked if someone could contact me and give me proper instruction and was told I would receive a call within 24-48 hours. As of this writing XX/XX/XXXX NO CALL. The number I provided is my cell phone which is on all hours that I am awake. No return calls, no voice mails, no e-mails. Typical for Bank of America. All I would like to do is to have the XXXX XXXX reconveyance voided or removed from my property. Do not want any problems if and when I decide to sell my home. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As I had reported to your office in bank in XXXX, as a consumer, I was a victim of predatory lending by XXXX XXXX of XXXX, NY ( car dealership ) and XXXX XXXX Bank and XXXX. These two entities played in concert to inflate my income to justify the debt-to-income ratio in getting me into a used XXXX XXXX XXXX that I could not afford and had no business getting into. All the proof is in writing so no way for anyone to dispute what I provided as my income and what XXXX Bank shows as my income. Over XXXX off in what I make per year to what they are showing. XXXX XXXX ( the dealership ) is now pointing its finger at XXXX Bank to blame and the bank is blaming the dealership. While XXXX stuck as the victim of a fraudulent debt and XXXX Bank destroying my credit at free will each month. 

Long story short, as I am immensely struggling to make the above car payment living on XXXX and on Social Security benefits, my attorney and the bank 's attorney ( as you can see attached correspondence dated XX/XX/XXXX ) came to a settlement that affective XX/XX/XXXX by monthly payments would decrease to {$450.00} per month ( still very high but will try my best to pay ) and my credit report will be cleaned and no longer show delinquencies. As you can imagine, XXXX Bank has been pummeling my credit each month. In return to the above amicable settlement, I was to no longer complain or talk about the scheme that I was a victim of between XXXX XXXX and XXXX Bank. 

Today, XX/XX/XXXX, as I was preparing to make the above {$450.00} payment to XXXX Bank for the XX/XX/XXXX auto loan payment, I got the attached " delinquent '' alert from TransUnion? Seriously? Claiming that I was delinquent in a payment again and now owe the bank the amount of {$1900.00}? I immediately called XXXX XXXX Bank and XXXX this morning and spoke to a XXXX XXXX and he said " unfortunately will we continue to hit your credit as delinquent as there is nothing we can do about it. Agreement or no agreement. '' Nothing short of disturbing the scheme, scam and bullying that I've been subjected to as an innocent consumer. They are trying to shake me down in any way possible. Either pay the bad loan we tricked you into or we will continue to destroy your credit. Agreement or no agreement. 

What makes matters worse is that I'm trying to co-sign on a loan for my daughter and XXXX Bank and XXXX has destroyed my credit to the tune of over XXXX points per bureau to force me to pay for their predatory lending scheme.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I left bank of America because I was being charged overdraft fees that were a direct result of them not crediting my deposits for up to a week. I left them and now I understand that they posted an outstanding debt to my credit report and show that I opened an account in XX/XX/XXXX when I stopped doing any business with them in XX/XX/XXXX. I called spoke to their representative and they said they would fax a letter showing that the debt was taken care of, then later in the day when the fax did n't come through they changed the story and said they would not be sending anything and that they sold the account to someone else and ca n't do anything with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from XXXX XXXX XXXX XXXX XXXX taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with XXXX & XXXX they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent 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 2023-03-30
Company: Experian Information Solutions Inc.
State: LA
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:
Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to Experian to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to Experian, XXXX and XXXX over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked Experian, XXXX and XXXX to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from XXXX, Experian and XXXX stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( XXXX  ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( XXXX  ) from the appropriate Federal banking agency.

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 2015-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
In XXXX Countrywide Mortgage discharged a mortgage for {$30000.00}. I relied on this Discharge. In XXXX Country Wide Assigned this discharged mortgage to XXXX XXXX background the following facts and events occured : In XXXX Bank America ( the loan servicer ) attempted to foreclose on the {$30000.00} discharged mortgage.. After numerous letters and phonecalls Bof A admitted the loan was discharged and ended all foreclosure actions against me. I recently discovered that Countrywide Mortgage sold or assigned the mortage in XXXX to XXXX XXXX. At no time did Bank America divulge this to me until after a response to my consumer action letter ( in XXXX ) XXXX XXXX pursuant to Massachusetts General Laws.without proving the mortgage ( XXXX ) was invalid. With respect to the Assignment it ignores the Discharge even though it was Countrywide who created the Assignment to XXXX XXXX. Of further note, my first mortgage was with Country Wide who was found responsible for predatory lending practices as well as unfair actions when they serviced the loan and other claims. My first mortgage was Modified in XXXX at no time did Countrywide claim that there was a second mortgage. Please Note : I am having trouble with uploading..the XXXX documents are a Discharge recorded at Book XXXX Page XXXX ( XXXX ) and the Assignment recorded at XXXX Page XXXX. ( XXXX ) Both recorded at the XXXX XXXX XXXX XXXX XXXX in XXXX Massachusetts documents are available on line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A third party dept collector has continued to call my cell phone on behalf of BOA. My account is fully current yet the calls the continue. I have filed numerous complaints and made multiple requests for BOA to stop unauthorized calls to my cell phone but nothing is changing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief