BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
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: Old information reappears or never goes away

Complaint:
Hard Inquiries on report that are 2 years old, they need to be off my credit report please. I am trying to purchase a home and these are hindering my credit, I know they are old but my loan officer wants to show the underwriter I have had less than 5 inquiries. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: TX
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 act XXXX XXXX XXXX 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. Its also states a consumer reporting agency can not furnish a account without my written instructions. 

I also have a police report on file. I was a victim of fraud and I identity theft. I would like these false addresses and accounts removed from my credit report immediately thank you. 
ALL accounts dates XX/XX/2015 XXXX. I sent in police report several times complaining and no action was taken not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
During the recession we were having trouble keeping up with our mortgage, so Bank of America offered us a option to help our situation thru the harp program. They took what we were behind in payments, added more to that for fees etc, and extended our loan to a 40 year mortgage. So now we find ourselves paying about the same payments that we were before only now much less of that money goes towards the principal. When you are facing loosing you 'd home, you will agree to terms that are not to your overall benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX  account, this is not my account. It is my XXXX XXXX XXXX account and I do not have the equipment or whatever was purchased. I have no idea what this account is for and did not give anyone authorization to purchase something under my credit. This needs to come off my credit report, I do not owe this money. I am trying to purchase a home for myself and XXXX children. I need this off my credit reports. 

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 2020-06-17
Company: EQUIFAX, INC.
State: SC
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:
Several attempts to verify and dispute fraudulent information on my credit report have failed! The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Several attempts to verify and dispute fraudulent information on my credit report have failed! The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my 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 explanation
Consumer complaint received 2016-03-29
Company: Navient Solutions, LLC.
State: IL
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:
Navient does not allow my to pay more than the minimum on my student loan balance each month through auto-pay. In order to pay more than the minimum, I have to log into the website each time I want to make an additional payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am unemployed ( again ) - and have used all of my forbarance and deferment time because this is my third time being laid off in ten years. When I call Navient for help, they say there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-05-26
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 is missing that should be on the report

Complaint:
XXXX  IS REPORTING 5 INQUIRES THAT DON'T BELONG TO ME XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX EQUIFAX IS REPORTING A CREDIT CARD THAT DOESN'T BELONG TO ME XXXX   XXXX # XXXX LIMIT IS {$500.00} BUT REFUSES TO REPORT 4 CREDIT CARDS THAT DO BELONG TO ME XXXX XXXX XXXX # XXXX LIMIT {$4000.00} XXXX XXXX XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX  # XXXX LIMIT {$3000.00} XXXX XXXX  # XXXX LIMIT {$5000.00} I will attach a compared report between the bureaus and you will clearly see the discrepancies reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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:
Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2022-07-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX account, this is not my account. It is my XXXX XXXX XXXX  account and I do not have the equipment or whatever was purchased. I have no idea what this account is for and did not give anyone authorization to purchase something under my credit. This needs to come off my credit report, I do not owe this money. I am trying to purchase a home for myself and XXXX children. I need this off my credit reports. 

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 2019-12-23
Company: BROKER SOLUTIONS, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice that my mortgage note and the servicing has been transferred to a new company. The notice was received on XX/XX/2019 and post marked on XX/XX/2019. This is not sufficient time according to XXXX. The company that has failed compliance is New American Funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$570.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX {$570.00} XXXX XXXX  XXXX {$940.00}

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 explanation
Consumer complaint received 2017-08-28
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, American Education Services failed to send me bills by any method, email, postal mail or calling. In the mean time they created a serious delinquency, it 's negatively effected my credit. I 've tried to resolve this with the company. I 'm more than willing to pay the monthly amount regularly, but I need to know how much to pay and when. 

It 's unfair to charge me without a bill and then expect me to pay over {$300.00}. The company agreed that there was a fault on their end but only forgave a partial amount, now they are sending notices that request me to pay " if I 'm delinquent ''. They 've also been harassing me with collection calls at all hours. On top of that, I keep getting locked out of American Education Services website, so I 'm completely unable to view anything when that happens. Customer service is unbelievable, every single person you talk to has a different story. 

This is the only loan servicer I 've had a problem with, I 've paid one off and the other one I 've contacted twice in the life of the loan. AES I 've contacted too many times and nothing ever get 's fixed. It 's insane for me to call in request my access to be unlocked, then still be locked out. Questions about my loan or bills, they claim to have them fixed in 2 weeks. What world does AES operate in? 2 weeks? meanwhile my credit is seriously being effected. Accounts with XXXX balance are being closed, and I 'm sure I will run into issues in the future. 

I just want to be able to pay my loan, I want a bill monthly in some form and I want access all the time to my account. I believe that 's the law and I 'm willing to pursue this as far as I have to until it 's resolved. This is important and I 'd like to repay my debt, this is not an option AES is giving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX CARD XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX 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 2022-07-24
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:
Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board  where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2016-05-02
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested verification of debt from this company and they will not provide it to me. It says that I opened this XXXX XXXX account XXXX/XXXX/14 and I have proof I was with XXXX at that time! This debt is not mine and I want proof of when this account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am reaching out for assistance with CapitalOne Bank. I called the company in good faith in hopes of making a payment towards the cards I have with them however I asked them to help me in eliminating the lates fees and reducing the high interest that the card has as a result of the current global pandemic. 

Due to the pandemic, I experienced a significant reduction of hours, have yet to be paid by the NYSDOL, and became sick for a period of 17 days with XXXX in which I was not able to work. I explained this to the agents I spoke with, instead they pushed and pushed on getting a payment as opposed to working with me. I reached out to their Executive Offices for assistance and have yet to hear back. And instead of working with me and responding to my inquiries, the bank went ahead and charged off the account damaging my credit. 

We are experiencing a global pandemic and instead of focusing on assisting customers who are sick, some of which are XXXX, the bank is focused on its bottom line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The account below is not mines. i have submitted a dispute to the Attorney General of the State of MS XXXX This company has never contacted me at all. By right I have 30 days to dispute this debt once I have received notification of debt. This company has not done nothing but post wrong information on my report. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX 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 2019-12-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I get a fake cashier cheque from XXXX. I deposited it. The bank clear the check without investigation. When I saw the money is available for withdrawal I withdraw the money and send the money to the company by XXXX. After sending the money I find out I am a victim of scam. Because of the irresponsibility I have lose {$940.00}. If the bank do their duty properly I will not be a victim of scam.

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