BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent a dispute letter to Transunion. The tracking number is XXXX. The letter was to dispute a closed credit card account on my consumer report. 

Account Name & Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I received a letter back from Transunion that was sent on XXXX that the account was updated and verified. 

Transuion violates 15 U.S. Code 1681i ( a ) ( 2 ) ( a ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Transunion did not notify me at my mailing address provided in my dispute letter that an investigation was taking place Transuion violates 15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( 5 ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation The disputed account reporting on my consumer report is neither accurate nor complete. For example, the late payment dates ( inaccurate ), credit limit ( inaccurate ), Date paid ( inaccurate ), etc. 

Transuion also did not do a complete investigation outlined by the law according to FCRA 15 USC 1681a ( e ) Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information Transunion very clearly violated my federally protected consumer right.

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 2015-08-31
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
There are XXXX loans in question that were originally held by XXXX XXXX ( a company that abused the system ). The resulting spinoff to avoid further scrutiny has meant that my loans now sit with Navient ( mind you I had no choice in this matter ). Because of overwhelming charges and their complete refusal to review an income-based payment plan I have determined to return to school to finish my degree. For the past XXXX years I have been taking enough courses to qualify for in-school deferment while I work to progess in my career and finish school with an income capable of supporting these exhorbitant fees. Navient is now claiming that I am delinquent/XXXX months late on payments all the while I have been taking classes the entire time. I spoke with a representative XXXX weeks back regarding the situation. I was told to fax in paperwork showing that I was in the midst of coursework and the matter would be resolved. I did as requested. From that point I received no phone calls. Shortly thereafter I found that Navient had not made the appropriate corrections but were instead harrassing my co-signer with upwards of XXXX automated calls a day. This is unacceptable. I have tried ad nauseam to contact Navient but their phone system traps you in a loop. Upon smashing 'XXXX ' enough times to speak with a representative, each time they claim to be unable to hear you and disconnect the call. This company is predatory in every nature of the definition. They are rude, aggressive and threatening on the phone yet have no way for you to contact them to correct THEIR errors. They are only concerned with soliciting money from whomever will answer their calls. This is unacceptable and their behavior is overwhelming and scary. We tell our youth that they can not be successful without advanced education. We then charge them rates that do not correlate to education provided but assure them that 'we ' are there to help them through loans which will be easy to pay once they have that degree and huge salary. Once the student becomes an adult to realize everything they were promised was a lie the phone rings ... this is unacceptable and at the very least we need to stop the predatory behaviors of these lenders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXXXXXX XXXX, XXXXXXXX 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 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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$990.00}

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 non-monetary relief
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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 am XXXX XXXX and I am submitting this complaint myself to inform you that the item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please UPDATE accordingly : ( XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Well Bank of America is at it again! XX/XX/XXXX after BOA admitted they did not do right by me they told me to reach out to a XXXX XXXX to re-modify my Home Equity Line of Credit loan. I did and supplied heaps of paperwork and kept a good line of communication with XXXX XXXX. After 3 months It was deemed by BOA there was nothing they could do for me? XXXX stated that he would reach out me every month to see how I am doing and if anything came up to help me he would jump on it. I never heard from him again, as a matter of fact I could not get in touch with anyone regarding my loan because statements stopped coming, my account # did n't exists anymore, here we go again BOA! After dozens of attempts to find out where my payments were going I found a rep who finally explained to me that once again BOA charged off my loan there would be no further contact from them. I also found out my account was put in their bankruptcy dept. I did not understand this because yes I had to declare bankruptcy XX/XX/XXXX but it did not include the house. BOA however considers the HELOC to be a revolving product thus declaring me bankrupt, ruining my credit for good and keep in mind my bankruptcy did not affect them! The person who described what BOA did to me stated that BOA " sells '' people HELOC 's because they are small payments and tax write offs. She then said that the ploy is that you will need the money, which I did when I lost my job and use it. Now I am in a situation where, even though BOA encouraged me to do a remodifacation they knew XXXX well they were not going to approve anything and now my loan is " charged off ''. Charged off means that now I owe the whole loan in full! There will be no statements or contact persons for you because you XXXX been charged off. Also now that I do n't have a loan BOA is now hitting my checking and savings accounts with fees I have never had to pay, ever. I just recently reached out to the bankruptcy dept to get some clarification on the safety of not not loosing my house as long as I am making payments. The person told me there is no guarantee and refused to answer any more questions. BOA sets people up to fail and when they do BOA walks away and feels no compunction to help you. The fact that a bank can make decisions about your most important and personal investment without letting you know anything until it 's possibly to late is unconscionable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was sold to Bank of America ( BOA ) approximately 2 months ago. Today is received a thank you letter from BOA for enrolling in their PayPlan12, BOA 's monthly automatic payment deduction service. There 's only one problem - i never signed up for their plan. I called BOA and after a 35 minute ordeal they assured me that they had removed me from PayPlan12. Given that paperless payment is in BOA 's self-interest, and the fact that i never signed up for their plan, it seems to me BOA 's unilateral action rises to the level of fraud.

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 2022-05-16
Company: WELLS FARGO & COMPANY
State: AZ
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 my credit report there seems to be some type of bank card in XX/XX/XXXX in my credit journey and I only ever issued one credit card in my name in XXXX of 2021 Im not sure what this could be and why its effecting my credit

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 2022-09-15
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:
Im submitting this CFPB complaint addressed to the Credit Reporting Agencies today to inform them that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Please delete the following information permanently off from the Personal Information section : Attached is copy of my valid Pennsylvania drivers license of how my name and address has to appear on my credit file. My name is XXXX XXXX XXXX and address XXXX XXXX XXXX, FL XXXX, XXXX, PA XXXX. Delete the following information permanently : Name XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
DELIVERED ON XX/XX/22 VIA CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX this correspondence reminded Experian of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt. 
to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation. 
companies have until this day, have yet to provide a lawful contract. 
according to the FCRA any letter that is sent and unanswered is a result a 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 2022-09-15
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX : {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Clarity Services
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:
other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every day I receive harassing phone calls from Bank of America, Collections Dept. regarding when I will send in my mortgage payment. According to my mortgage agreement my payment is due the first of each month and late after XX/XX/XXXX. I make the payment between the XXXX - XXXX of each month. I want all harassing calls from BoA to stop now!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I contracted the XXXX XXXX in early XXXX my wife unfortunately XXXX XXXX XXXX. I was XXXX for XXXX XXXX and once I recovered I contacted Shellpoint Mortgage Company to let them know that I wanted to apply for forbearance due to hardship. My wife and I were on social security so I no longer have her income to help with the mortgage. I spoke with a XXXX XXXX at Shellpoint who was to submit a forbearance request for XXXX months XXXX, XXXX, and XXXX. I also discussed the options I wanted to know I had if I chosed to give up the property. The said he was gon na submit the forbearance paperwork and email me information re the different option available to me if I chosed to sell the property. He was to have an appraisal done on the property weeks ago and scheduled a call with me on XX/XX/2020 @ XXXX. I have not heard anything back from the Shellpoint Rep XXXX XXXX, he doesn't respond to emails on left voicemail messages. I have spoken to other Reps who basically give me the same run around as XXXX XXXX XXXX. has. There customer service is the worse I have ever experience in my life the unprofessionalism is otherworldly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today, I reviewed my TransUnion credit report and found that XXXX is reporting that I owe {$900.00} under account # XXXX as a " Factoring Company Account '' but under collections accounts with a high balance which is a FCRA violation. This debt does not belong to me and furthermore, Transunion continues to allow XXXX to report this unlawful, fraudulent erroneous debt to my credit report despite XXXX being " permanently barred from acting as an officer, director, employee, agent or advisor to any individual or business that collects, buys, or sells consumer debt as per the Consumer Financial Protection Act of 2010 ( CFPA ) where they violated the Fair Debt Collection Practices Act ( FDCPA ) '' : CFPB Takes Action Against Debt Collector And Its Owner For Falsely Threatening Consumers with Legal Action | Consumer Financial Protection Bureau

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