BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use online bill pay to mail checks to my landlord. My check that was due on XX/XX/XXXX was not received by my landlord. I contacted Bank of America shortly after the check went missing and they started an investigation. They contacted my landlord who signed an affidavit that he did not receive the check, then they sent it to the XXXX XXXX XXXX XXXX  so they could investigate what happened to the check. This all took place in XXXX of XXXX. I was told the matter should be resolved in a couple of months at most. It has now been over a year. This XXXX I started documenting all my attempts to find out more information about the claim. 

XX/XX/XXXX BofA Message Center Our records show the payment continues to be researched by the XXXX  XXXX XXXX XXXX. 
As of XX/XX/XXXX, we have not received any updates. Any updates on the recovery of the payment will be documented inside the case and a communication will be sent to you. 

XX/XX/XXXX BofA Message Center This issue is currently being researched under the Case ID number XXXX. We will be contacting you with an update or resolution. We apologize, however we are unable to provide when the funds will be returned. 

XX/XX/XXXX BofA XXXX XXXX Federal Reserve, due diligence on both sides, min 90 days, stolen funds, check was cashed, XXXX verified he didnt do it XX/XX/XXXX XXXX - Federal Reserve XXXX we reply to the bank, replies have an expiration date Call BofA and if they still don't have any answers call Consumer Financial Protection Bureau XXXX XX/XX/XXXX BofA -XXXX in Arizona offered to send the claim to the back office for an update, I told her we had already done that, she said I needed to wait to hear from them directly. I asked to speak to a supervisor. 
BofA - XXXX, XXXX Supervisor Last follow up request was back in XXXX, sent another one over Advanced Services Research - Will call me back today with an update. I did not receive a call back. 

XX/XX/XXXX BofA - XXXX Call was dropped twice. 
Sees the open task to Advance Services, looking for a timeline. 
Sending it to leadership to get a timeframe. 
Tuesday next week. 

XX/XX/XXXX Online Bill Pay Message Our records show the payment continues to be researched by the XXXX XXXX XXXX XXXX. We have not received any updates. Any updates on the recovery of the payment will be documented inside the case and a communication will be sent to you. 

We appreciate your patience.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}.

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 2022-06-21
Company: Academy Mortgage Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir/Madame : I am reaching out to your establishment for assistance regarding Academy Mortgage Corporation and XXXX ( their loan sub-servicer ) unethical and unfair business practices, which have left me with unnecessary stress as a consumer ; and one of their actions had affected my credit history and made a negative impact in my relationship with my creditors. I made multiple attempts via emails to contact Academy Mortgage Corporation through their associate general counsel ; XXXX XXXX XXXX, but as usual ; XXXX XXXX did not assist in resolving this issue. In a letter dated XX/XX/2022, that I received 2 days ago, Academy Mortgage Corporation transferred my loan to another servicer in the wake of their mishandling of my mortgage and false reporting of my mortgage payments as being late due to their amortization process. 
Academy Mortgage CorporationXXXX mishandled my mortgage by giving me the wrong interest rate for 4 years and, when they decided to make the correction, XXXX reversed and reapplied my mortgage payments ( According to them ). During their reversal for proper reapplication/amortization process, Academy Mortgage Corporation/XXXX falsely reported all of my mortgage payments to the leading consumer credit reporting agencies as being late. It was brought to my attention by a creditor that a delinquent reporting of a real estate secured loan was found on my credit. I immediately reached out to Academy Mortgage so that they could contact the leading credit reporting agency to make the corrections of their false reporting instead, Academy Mortgage Corporation decide to dismiss my concerns by transferring my mortgage loan to XXXX XXXX XXXX, hoping that their action would silence me and/or neutralize my effort to resolve their false report. Please assist me in having Academy Mortgage Corporation, and their accomplice ( XXXX  ) contact the Consumer Credit reporting agencies, to remove their Late Payments false report off my credit. Thanks in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: JPMORGAN CHASE & CO.
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:
I've filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I not received any investigation reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX account due to some fraud, but nothing happened in over 90 days. The dispute started around XXXX of XXXX  I was notified by my landlord that I had to move and found myself XXXX due to the housing situation. I needed to raise my scores. I elected to settle with XXXX without prejudice until I am no longer XXXX and can deal with it. I am the caregiver of a severely XXXX person so I had to set my priorities. 
I obtained a settlement letter, paid the amount, and have proof that they have cashed the agreed upon amount yet after the the settlement was made the account is still being reported incorrectly on my credit reports. I have worked very hard to resolve this and yet I can not get an accurate rendering of the account on my credit reports.

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 2022-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXX 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 XXXX 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 daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am a co-signer on a loan that my daughter took out while in XXXX  school. I am receiving excessive calls from Navient, the company handling the payments. When Navient calls, the caller ID on my phone says " Incoming Call '' and the calls are generally 2 to 4 seconds in duration, several times a day. The calls generally start around XXXX XXXX and continue throughout the day until almost XXXX XXXX. In a 14-day period from XX/XX/2019 to XX/XX/2019, I have received 41 such calls most lasting less than 4 seconds, which unless I have the phone in my hand is impossible to answer. And even when the phone is close enough for me to attempt to answer, the caller hangs up before I can even say hello. These calls are not meant to be answered but are meant to harass. Attempting to answer my phone is especially difficult for me because I am a senior citizen recovering from XXXX  XXXX. With my XXXX XXXX these constant calls are nerve-racking and harassing. I realize that Navient is attempting to collect a debt however they should not be able to call and not be on the line when the call is answered. 

While these calls do not show up on my caller ID, I am able to retrieve my call history from my phone provider, XXXX. On XX/XX/2019 over a 7-hour period from XXXX XXXX  until XXXX XXXX  I received 7 such calls over a 7 hour period : XXXX XXXX  - 3 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 2 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 4 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 3 seconds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: BARCLAYS BANK DELAWARE
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Disputed charges were not credited back to account in a reasonable amount of time. Fraudulent charge was removed but was added back to the credit card. Customer service unwilling to remove the charge. 

Charge was originally made on XX/XX/2022, " XXXX *XXXX  XXXX XXXX XXXX XXXX FL '' Charge was credited back to the account on XX/XX/2022 Charge was billed back to the account on XX/XX/2022 Called credit card company multiple times over the last three months to resolve which only resulted in being transferred to different departments with no resolution

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  XXXX, has violated my rights. 15 USC 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 permission

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 2022-08-19
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 belongs to someone else

Complaint:
.I have contacted Equifax multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need them removed asap. The accounts are listed here below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX Barclays calls to report suspicious activity and have me confirm fraudulent and non-fraudulent activity XX/XX/XXXX I call Barclays 5 times to confirm them to charge me for verified transaction of {$540.00} from XXXX XX/XX/XXXX Barclays add back into transaction history a fraudulent charge of {$190.00} made on XXXX at XXXX XXXX XXXX XXXX XXXXpresent I file police report due to the ongoing fraud activity with my identify and credit card info being stolen I call XXXX XXXX XXXX  who confirms purchase made online, picked up in a store over an hour away from me on XXXX. XXXX XXXX XXXX also confirms what was purchased as XXXX XXXX XXXX XXXX. XXXX will not release video to me, IP address of purchase and confirms that they provided all my identity information to Barclays. 
Barclays confirms that XXXX was able to verify my information all of which was stolen and states that I made the purchase. 
Then the charge is removed by Barclays XX/XX/XXXX. 
XX/XX/XXXX Barclays adds back in the XXXX XXXX XXXX  charge XX/XX/XXXX I call Barclays who says they have the right to change their investigation decision and XXXX verified my stolen identity XXXX can not confirm that I picked up the shoes at the XXXX XXXXXXXX XXXX XXXXXXXX on XXXX. I am not the person in the video.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX & XXXX ), Account # 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 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 2022-11-24
Company: Experian Information Solutions Inc.
State: NY
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 XXXXXXXX account XXXX, XXXX XXXXXXXX account XXXX and XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-11-24
Company: Movement Mortgage LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company movement mortgage is refusing to release the insurance check for a claim for damage done to my house. At the time the check was sent to the mortgage company from our insurance company XXXX the insurance adjustersummit adjuster/company because was behind in the mortgage at the time. However the mortgage company claimed that as long as the mortgage was paid up to current the funds would be released. The mortgage has been paid up to current and they only released {$3700.00} which is 25 % of the total and the public adjuster took their portion which was {$3000.00}. So there is currently approximately {$9000.00} still owed. My house has been in shambles for XXXX  months now, I have XXXX children including a XXXX XXXX XXXX that cant play or go anywhere in our house because of electric wires and etc, mold that we tried to kill but its on the exposed walls and we cant replace because we do not have enough money to do so. They asked for a letter requesting the remaining funds be sent to me through the adjuster and we did as so. So now we did that and the mortgage is paid up to date, they wont release the funds because at the time of the claim the mortgage was behind and we made sure to get it fully paid up to date immediately and did so. This is not right and they continue to tells us to pay for it ourselves then theyll release the money. Please help us this is not right or humane. Weve done everything asked for and our house is destroyed. The holidays are coming up and our children dont have a clean or safe house to do anything in because of this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Account information incorrect

Complaint:
I have made multiple efforts to reach out to XXXX XXXXXXXX for my XXXX XXXX XXXX  about the status of their inconsistent reporting on MY Personal consumer report! I have attatched proof of almost all details on the account reporting to multiple credit agencies The last time I reached out I was advised thee account was charged off for the amount of {$720.00} and written off. However they are still requesting I pay them. They need to send me a 1099 for the write off.At this point that means the account balance is my income and income Should NOT be reported on my consumer report under my circumstances. I have also sent a complaint to the attorney general hoping to have this issue resolved.

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