BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
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: Account information incorrect

Complaint:
Hello, my name is XXXX XXXX. 
last 4 ssn XXXX address : XXXX XXXX XXXX XXXX XXXX, tx XXXX date of birth -XX/XX/XXXX I have dispute an inaccurate account on my credit report with XXXX  and Equifax. The account appears to be " OFFICE OF THE ATTY GENER ACCT # XXXX ''. I have been asking them for proof of verified and also advised them this is an inaccurate account and this account does not belong to me. FOR 5 months now the credit bureaus failed to send me proof and the courts has no record of me. This is inaccurate and this account needs to be removed. I will also file a civil complaint. The credit bureaus Equifax and XXXX failed to send me proof because they do not have it for over 180 days I been asking. This account is not my account. 
I am filing an complaint against Equifax and XXXX  because they failed to remove and inaccurate account " OFFICE OF THE ATTY GENER '' that is not my account nor can they verify because there is no record of me attached to this account. I WILL LIKE TO HANDLE IN A TIMELY MATTER PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion deleted my charge-off as requested by my creditor XXXX XXXX XXXX XXXX XXXX andmyself. But they also deleted my Line of Credit which they were not suppose to, nor did I asked them to, in XX/XX/XXXX. I was applying for a mortgage loan at that time. So I most definitely would not have askedthem to delete my Line of Credit. XXXX updates my account every month and TransUnion has not addedmy Line of Credit back on my credit report. Please contact XXXX XXXX Collection Manager at XXXX XXXX XXXX XXXX at XXXX. She is eager to speak with CFPB to back up mycomplaint. TransUnion 's investigation of my dispute was completed without them contacting XXXX 
XXXX. The whole purpose of filing the dispute was to let TransUnion know that my Line of Credit wasdeleted from my credit report. TransUnion response to my dispute was that my account does notcurrently appear on my TransUnion credit report. The whole purpose of filing the dispute was lettingTransUnion know the account was not on my credit report. I am asking CFPB to go over my documentsthat i am submitting. And to have TransUnion add my Line of Credit back on my credit report. So I canreapply for my mortgage loan. I am still making on time payments which I am getting NO credit for it. Iam submitting documents showing the following : Communciation regarding the Charge-Off, My InnovisCredit Report showing my Line of Credit is still being reported. Drafts from XXXX showing in XX/XX/XXXX, XX/XX/2014 and XX/XX/XXXX that XXXX is reporting my Line of Credit. TransUnion dispute and response fromTransUnion. Email showing TransUnion did not contact XXXX XXXX at XXXX regarding my dispute. Alsomy complaint, I file against Equifax with the CFPB regarding my Line of Credit being deleted. WhichXXXX has successfully added my Line of Credit back on my credit report. And lastly I have attached my current amount that Iowe on my Line of Credit. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was taken to collections because of a federal student loan. All communication was being sent to my freshman year dorm room for over 6 years before being contacted by a collections agency, though my cell phone number was provided as part of my application. I was never contacted by phone. This affected my credit substantially, and I now I have to pay additional interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a creditor that was listed on the TransUnion Credit Report. The XXXX XXXX Bank Account # XXXX was to be droppedfrom the credit report on XXXX. The date of delinquency was XXXX. 
I wrote to TransUnion three times and can not get this issued resolved. 
They continue to list this debt on my credit report which is effecting mycredit score. I submitted the documentation to TransUnion but theyrefuse to acknowledge the prof and to correct the issue. I would greatlyappreciate your help in resolving this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I mail certified letters too have old addresses removed they want remove them.please help then they keeping adding and took off a account that was showing 100 % on time payments

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 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please help me, I have disputed previously a couple things with TransUnion, provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.

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 2021-01-13
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I WAS CONTACTED BY THIS COMPANY I PREVIOUSLY SUBMITTED A HARASSMENT LETTER ASKING THIS COMPANY TO STOP HARASSING ME.THIS COMPANY IS STILL HARASSING ME FOR A DEBT THAT IS NOT MINE THIS COMPANY REFUSE TO GIVING ME INFORMATION SUCH AS MY IDENTIFICATION CARD, CORRECT SPELLING OF MY NAME AND MY ADDRESS WHERE THE LOAN WAS ESTABLISHED AND THIS COMPANY REFUSE TO PROVIDING ME WITH ANYTHING BUT HARASSING LETTER ASKING FOR A DEBT I DON'T OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt several times with this company and the credit bureaus. I have no knowledge of this debt and have asked and written requesting proof of debt. They have yet to provide the debt. They continue to report this debt on my credit report. 

This account was sold by XXXX XXXX and no longer have claims to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've been following the lawsuit with XXXX. I am a little concerned. I would like my loans through them ( which day closed on my credit ) verified. If they ca n't be verified I would like to have them removed. 

Also have some federal loans that are reporting " no payment '' and I recently filed bancruptcy and was told that I do n't have to make payments through this process and that they would n't negatively report. However, reporting no payment is adversely affecting my credit. 

I have been unable to reach live persons who can help me. I get transferred and then for some reason the phone keeps getting disconnected. I just seek answers and they ( loan servicing companies ) should desire to help consumers. 

Anything you can do to help with this would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

More OptionsHelpUpdate My ReportTerms and Conditions - Privacy Policy - About Us - Contact Us -

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I became ill in 2009. I was XXXX. I was charged fees of over {$600.00} by Bank of America for a roughly {$100.00} overdraft. They say they had a contract with me. It is my contention that I could not honor the contract not could they engage in a contract with me because I was XXXX. I have since become XXXX and am diagnosed with 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 2016-11-13
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX XXXX XXXX on behalf of Jefferson Capital system llc has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient bought a former private student loan that I had with XXXX XXXX. Navient is trying to get me to pay way more than I actually own on this debt. My XXXX balance is now XXXX. How is that possible? Navient now wants me to enter into a 16 year contract to pay off this new balance. In addition, Navient used XXXX different collection companies to harass me by calling me at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This company put a XXXX XXXX XXXX account back on my credit reports after it was previously removed about 2 or 3 months ago with no valid explanation for doing it! First off this account should n't be reporting on my file anyways as its a fraudulent account and second off its 7 years old and is reporting inaccuracies anyways. I demand this account be removed again permanently from my file or my intent to sue letter will be typed up by my lawyer. There is also a XXXX account that XXXX Bank has already put a request for a deletion to the credit bureaus and this is the only one that has n't removed it yet!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America and their employees, representatives, servicers, and third party agents ( collectively referred to as BofA ) have engaged in a racketeering business enterprise for profit envoling Requests for Mortgage Assistance ( RMA ), loss mitigation processes including, but not limited to modifications, dual tracking, and foreclosure processes. 
In this instance, BofA knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how BofA is to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. 
One example of this racketeering business enterprise for profit is when a policy and practice is established and intended to circumvent the rules and law. Specifically, XXXX and XXXX ( XXXX ), owners of XXXX ( XXXX ), have been executing foreclosures on behalf BofA designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their published document entitled California Foreclosure Timeline. This document reflects the steps XXXX, as beneficiary trustee, follow upon contrating with Bank of America to begin the foreclosure process. The XXXX timeline does not conform with California law, specifically the California Homeowners Bill of Rights ( CalHBOR ). There are legal requirements intentionally excluded from this timeline including, but not limited to, pre Notice of Default ( NOD ) outreach. 
XXXX was not made the beneficiary trustee until XX/XX/2016. While BofA may have intended to create or establish a business relationship with XXXX prior to the recording of the Substitution of Trustee in this instance, XXXX had no authority to act in any capacity prior to XX/XX/2016, but for acting as an agent of Bank of America in an already existing business relationship related to RMAs, loss mitigation processes and programs, dual tracking, and foreclosure processes and thereby establishing and evidencing a racketeering business enterprise and violations of the RICCO Act. 
I have not been treated fair and with good faith during and throughout the loss mitigation process or the foreclosure process however improper it may be as it relates to me and my home and property. 
A resolution would be all other previously mentioned resolutions and a detailed response addressing this and other complaints and escalated cases to date related to the modification, loss mitigation, and foreclosure processes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Other

Complaint:
Bank of America is giving out complete bank account numbers, along with complete routing numbers on their automated telephone system, when a payment is being made. This can compromise not only the credit card, if stolen, but also the person 's bank account. Per the Fair and Accurate Credit Transaction Act of 2003 : Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following : '' ( g ) TRUNCATION OF CREDIT CARD AND DEBIT CARD NUMBERS. -- '' ( 1 ) IN GENERAL. -- Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last XXXX digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction. 
So, anyone who accepts credit cards can only print the last XXXX digits on the receipt, but Bank of America can give complete routing numbers and bank account numbers on an automated phone system, to anyone?? This makes no sense all at. I 've been told by XXXX agents and XXXX supervisors that my checking account number has been changed to all XXXX, but when I checked this on the automated phone system, it gave me my complete bank account number, Again!! I have had to close this bank account and open another account to protect the security of my account. This cost me {$10.00} for the shipping and handling of the new checks, which I can not afford!! All because Bank of America changed their system about 4 or 5 months ago, to give complete bank account numbers now, not just the last XXXX digits of the account number, This puts XXXX of their customers who pay their credit cards over the phone at risk of having their bank account information compromised. This is NOT OK!! It has cost me a lot of time and now also money, because they will not do anything about it. A secondary issue is that I had a CREDIT balance on my credit card of {$12.00}, which I kept there because I now have no way to pay my credit card bill without it costing me money, and I wanted to keep account active, It is a XXXX points card, and they will keep the XXXX plus points on the card, I will use the points, and then close the card. I charged {$2.00} on my card, to be taken from my credit balance, and now my card has a balance on it of {$2.00}, My credit balance had gone away, It seems, without my knowledge, consent or permission, they have sent a refund check for this amount, Not received yet, I had to go to the merchant that I charged to {$2.00}, have them refund the card, and I then paid cash for this, Please Help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09
Company: Navient Solutions, LLC.
State: PA
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 have made repeated attempts to reapply for income-driven repayment plans in the past year while we have been XXXX. I submit the paperwork but receive no response and have been simply put on forbearance. Then payments start back up and I have to call again and go through the same process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: The CBE Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt owed here is to be payed by XXXX XXXX as I signed up with their cell service that comes with XXXX paying off the customers last bill. I have taken the necessary steps with XXXX XXXX as they should have payed you by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt is Passed the statue of limitations. However, They have continued to report is as " closed derogatory ''. This should be off of my credit report since its over 7 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card with XXXX gas. I paid it off in full in 2013 and a XXXX and a XXXX i received a letter from XXXX ( a collection agency for Synchrony Bank ) saying that I owe them {$250.00} and they reported me to the XXXX major credit agencies. Always pay my bills. I have a XXXX FICO score and I do n't want anything to ruin it. I paid the money ( in protest ) but I notified Synctrony Bank ( in writing ) that i was never notified about owning anything on this XXXX credit card but they refuse to remove the negative statement from my credit report. These guy 's are crooks both Synchrony and XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
iQ data is not providing me enough info regarding what I owe, how much I owe, why do I owe etc. 
Everytime I call to require debt validation letter, my bill is going up XXXX dollars, and they are hanging up phone on meI am willing to pay every single penny. I just wan na see what I owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation