BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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 accounts XXXX  XXXX, XXXX XXXX, XXXX  XXXX  XXXX  XXXX, XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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 2016-08-24
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently had a phone line added to my house. Immediately after being installed we began getting calls from Navient. After repeatedly calling them and asking them to stop and that I am not the person they are trying to call I keep getting contacted. Now they are using a private caller ID instead of Navient. Problem has been so bad that I had to disconnect phone so it does not wake up my kids every night.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, MY KNOWLEDGE. PLEASE RMEOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS CHARGES ARE NOT MINE, THIS ACCOUNT IS NOT MINE. PLEASE REMVOE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: ALLY FINANCIAL 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:
In accordance with the fair credit reporting act Ally Financial have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions Furthermore, as a victim of identity theft anything that I did not do is to be stricken from my credit report or I have the right to sue in state and federal court. I already have a lawyer and litigation will follow promptly

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 2017-07-27
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for the American Express Platinum card with American Express and got approved for the card on XXXX XXXX, 2016. The signup bonus of this card is receiving XXXX Membership Rewards by spending {$3000.00} with the card within 90 days from opening of the account. I met this spending requirement and received XXXX Membership Rewards on XXXX XXXX, 2016. As I noticed the card was not as good as I expected ( for example, the card was unexpectedly not widely accepted by many stores when I was traveling in XXXX, but I could use any Visa or Mastercard credit card ), I asked to close this account in early XXXX, 2016. Before I let the Amex representative to close the account, I asked the representative if I would lose the XXXX Membership Rewards after the account was closed. I was assured by the representative that no Membership Rewards in my account would be lost, including these XXXX Membership Rewards, as long as I kept my Amex Premier Rewards  Gold card open, which could keep all my Membership Rewards in my account. After getting this promise from Amex, I asked the representative to close the Platinum card, and kept using my Premier Rewards Gold card ( ending with XXXX ) until now. However, to my great surprise, I found after my Platinum card account was closed, XXXX Membership Rewards were removed from my account on XXXX XXXX, 2016, shown " adjustment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n XXXX and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX 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 non-monetary relief
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Im am submitting this complaint on my own behalf, I am a XXXX XXXX so I'm on the road a lot and my wife contacted me about fact we got denied to refinance our home due to some accounts listed on my credit report that should not be on there. I tried to call the agencies but they are not helping me to reticify the problem. Listen this is affecting my mental health and causing strain on my marriage I need someone to help me get this taken care of before I lose my home and wife.

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 2016-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We were denied a loan modification from Bank of America after a game of deceit on their part. They were given all the information that was requested yet they kept saying you did n't send in page XXXX or you forgot to send your income statement. All items that had been sent over and over again. Then they said you were denied because you did n't get the paper work in to us on time so you do n't qualify. Their is so much to this case as it has gone on for years now but they just scam the people not just us. They have broken the law on several levels and should be held accountable.

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 2022-07-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX 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 : It also states a consumer reporting can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX 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 : It also states a consumer reporting 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 2022-03-18
Company: Experian Information Solutions 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:
I XXXX XXXX XXXX, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2021-08-27
Company: KEYCORP
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: Account information incorrect

Complaint:
Keybank continues to report to XXXX  that the initial delinquency date of this account is XXXX. This initial delinquency date of this account is XXXX!!! The account was not brought current since this date. Keybank is reporting activity dates to XXXX  but XXXX  does NOT report based on activity they report based on delinquency!! Activity DOES NOT = delinquency. It does not matter if the there was activity on the account in XXXX. The account was never brought current and the initial delinquency date is XXXX!!! Please report the correct initial delinquency date on my credit report and remove this account from my credit!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is reporting inquries on my credit report that I have no knowledge of. As well as continuing to report inaccurate collection accounts on my credit report. 

it has been over 30 days and I haven't received a response from Experian about the investigation results.

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 2018-03-03
Company: EQUIFAX, INC.
State: OH
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 so many information in my credit report such as names and employment and I have contacted and requested dispute to XXXX  but they never helped! please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Westlake Services, 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: Account information incorrect

Complaint:
as of XX/XX/XXXX i reviewed my XXXX credit report and noticed that a charge off from west lake financial is still on my credit report. around late/mid XXXX i contacted west lake financial and spoke to a representative and made an inquiry about the inaccurate information being listed on my credit report. once i gave the rep the account number / verified my identity he told me that he couldnt give me any information on my account because my account was sold to a company ( which is now off of my credit report ) XXXX XXXX XXXX XXXX. no one was able to assist me with my issue. around mid XXXX i received two letters in the mail from west lake financial services one dated XX/XX/XXXX and the other XX/XX/XXXX XXXX both of the letters indicated that they were properly reporting to XXXX   and that removing the account from my credit report would be falsifying information per the FCRA. also in the letters west lake financial mentioned a key factor in why i am disputing this account DOFD ( date of first delinquency ). according to west lake they are able to continue to report to XXXX because the date of first delinquency is XX/XX/XXXX. this is very contradicting on their behalf because when i originally called and spoke to the representative over the phone i was reassured that my account was sold, and that no one at west lake could give me any information, secondly the company that my account was sold to sent me a letter in XXXX when i originally disputed the debt stating that my DOFD ( date of first delinquency ) was XX/XX/XXXX. if this is true then XXXX needs to cease reporting to XXXX on an account that has officially reached the seven year statue of limitation. also west lake did not indicate only that this account is currently under dispute.

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 2020-10-25
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, On XX/XX/20 Military Star Card agreed to a settlement amount of {$350.00} and sent me a settlement offer. They then drafted the payment and are still reporting the debt as not paid on my credit report. The collection should be removed from my credit report as they agreed to the settlement. They are also still sending me letters in the mail to make a payment.

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 2022-03-18
Company: Direct Account Management
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX at Direct Account Management gathered general information from me on XX/XX/2022 at XXXX XXXX and said I was pre-qualified for an income based loan forgiveness that worked with the Department of Education . It would save me about XXXX XXXXXXXX of interest. After 60-90 days, my loan at XXXX ( my current student federal loan service ) will reflect {$0.00} and I will make 6 monthly payments of {$200.00} that would go into escrow during the transition period. After that, I would make 240 payments of {$230.00}. This is a total of {$54000.00} of my loans. To continue this income base loan forgiveness, I need to provide 2 recent payment stubs annually. After explaining the payment options, which seemed too good to be true, he sent a document via text. He said I needed to sign and initial the document sent to my phone. I said I needed time to review the document and he said its the standard contract nothing I should worry about. At this point I felt pressured. So he started sending me other texts like his direct line to ensure me its fine. Once I signed the documents, he said I need to provide 2 recent payment stubs by this weekend to fully submit my application. Also, he read a summary and asked me to acknowledge my understanding. I was uneasy when I said yes and very vulnerable thinking I was actually getting help. After I speaking with him, I called back immediately on his direct line to cancel and he said that if I feel uncomfortable that he would walk me through the FASFA website. Luckily, I received another call and had to end the conversation. I have not spoken with XXXX since then and I feel very uncomfortable with the Direct Account Management service. I feel very uneasy. They have all my personal information, including social security #, credit card, home address, name, date of birth, and he created an XXXX account for me. I have a copy of the documents I signed, which seem to be a power of attorney, that I can provide. 

Here is the text he sent with his contact information : It was a pleasure speaking with you today and I am very happy I could help. 
Feel free to respond here on this Texting Only line - or if you wish to call me please Dial my direct line which is XXXX. Do not forget to turn in your POI at your earliest convenience. Take care! XXXX XXXX, XXXX XXXX XXXX. 
Email - XXXX Fax - XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wish to report fraudulent activity committed by Bank Of America. In XX/XX/XXXX I received a FHA loan and financed my home through Country Wide Home Loans. In XX/XX/XXXX I refinanced my loan through Countrywide which lowered my interest rated from 6.95 % to 5.75 %. Countywide went out of business and my Mortgage was sold to Bank of America onXX/XX/XXXX. It was still a FHA loan and maintained the same interest rate. In XX/XX/XXXX I filed Bankruptcy and only added two late house payments. I continued to make my regular payments XXXX to BOA until XXXX/XXXX/XXXX during which time my payments went from XXXX-XXXX. XX/XX/XXXX BOA sold my loan to XXXX XXXX Loans with the same interest rate but unknown to me it was Transferred from a FHA loan to a Conventional loan. On XX/XX/XXXX my Bankruptcy ended and on XX/XX/XXXX I filed for a Harp Loan. I was contacted by Harp Loans and informed that in XX/XX/XXXX when BOA sold my loan to XXXX XXXX Loans they fraudently reported to FHA that my house had been forclosed on and collected money from FHA and XXXX XXXX loans for my home. I currently reside in my home, it has never been in forclosure, and I continue to make my payments to XXXX XXXX Loans and they are up to date and current.

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