BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
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 status incorrect

Complaint:
This is inaccurate because I paid as agreed by the creditor. I have disputed this item for the past two months regarding late payment status that was inaccurate. 

There was no way I could be 30 days late in XX/XX/XXXX, when I made a payment on XXXX XXXX, XXXX, nor did this account close in XX/XX/XXXX, when it previously showed this account been closed since XXXX. Also, prior credit reporting on XX/XX/XXXX, reflected I was 30 days late but on XX/XX/XXXX, your agency reported I was current in XX/XX/XXXX, supporting my request. Your agency inaccuracies are affecting my credit score rating and under FCRA statue I may be entitled to compensation for this type of damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
X/X/2017    my mortgage payment was increased by  XXXX   . I  contacted " loan care '' in regards to this situation. They informed me my escrow account was some how negative, with no explaination of how why or where the escrow money went, but that i am responsible for correcting the issue. Ive had this mortgage for going on 4 years, have all escrow statements and have never once had an issue until this company took over my loan. The most unknowledgeable people ive ever spoken to the lady tried telling me my account has been in the red since closing ....? I explained to the lady i have no control over the payment after it leaves my account that they need to figure it out on their end.. I contacted an attorney in the matter of this case and he knew who i was dealing with before even telling him. Im going to start a re finance this coming friday and also looking to pursue a lawsuit against the company. Ive read several similar reviews identical to mine and have attempted to reach out in contact with these people in similar situations in attempt to gather lengthy and worthy testimony should it make it to court. As far as im concerned this company is a fraud/scam and should no longer be able to operate as a business. Unbelievable!

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 2017-02-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I filed my borrower defense to repayment in XXXX of 2015 and Navient has still not put XXXX of the ffelp loans that shows up in my name into administrative forbearance despite several emails to the department of education and despite Navient putting all of the other loans under my name into administrative forbearance. I will not talk on the phone with them because they always end up lying to me or lying about allegedly not receiving documents I send. I want written communication only. I was the victim of for profit fraud and I want the administrative forbearance I am legally entitled to. They had this account in forbearance. I do not know why it isnt anymore but I am being threatened with default when I filed my borrower defense to repayment for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Bank XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX In accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 explanation
Consumer complaint received 2015-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
I lost a bank of america credit card in XXXX and asked for a new ones, with a new number. 
ever since then, I have paid off each statement in full riggt after recieving their stament, and the next month find out they have charged high interset, saying the balance was not paid in full. 
XXXX times i have paid the amount in the local BOA office, with a rep calling to confirm the correct amount, pay it, yet they keep charging interest for not paying in full. After the last statement i told them would file complaint if it happened again, and it did. I charge that BOA is doing this on purpose and ripping off other customers. As a computer programmer belive they are printing statements with a cut off date, but do not cut off that statement for several more days. With my latest statement, i called to complain again, BOA told me i was wrong, but could not explain the charge. I have called and cancelled the card, will pay it off at the local BOA, and inform them I am pushing for BOA to be fined. I can produce the statements and paymentdetails as needed. 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX, XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Privacy

Complaint:
My husband and I have a Bank of America Visa account My Name is XXXX XXXX XXXX XXXX XXXX XXXX has a XXXX XXXX Card and they confuse our XXXX names. Three years ago they had her information linked to our account. At that time I took this to the local branch to have it resolved. Last week I received a e-mail addressed to XXXX XXXX XXXX in regard to the branch visit on XXXX XXXX, 2015, I called to Bank of America fraud division and they stated she gave them our e-mail address., I 'm sorry but our e-mail is very different and not many people know the name. When I tried to take the survey to correct this and tell them that I did not visit the branch they gave me a pass word assume to XXXX XXXX XXXX account. We do not know if they have given our information out to this lady. How can a person be assured that this is not the case

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Navient has contacted people outside of my direct network to find people in my network asking them what their relation is to me. They are also contacting my work directly, soliciting for me while it is inappropriate and will jeopardize my employment. Instead of contacting me directly, they choose to go around me, to the point where it is embarrassing and mortifying. When I finally talked to someone who called me at work, while I was at work, her attitude on the phone was, " Well, so what are you going to do about it? '' About 3 hours later, I found out that they are contacting my work still, trying to send a garnishment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my 5th endeavor to tell XXXX and TransUnion credit bureaus that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXXt account with XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX phone number XXXX XXXX has violated my rights..15 U.S.C . 1681 section 602A. states i have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions .Another issue no monthly payment should be listed on the account since it has been charged off, which is a violation please remove 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 2016-05-10
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 'm with bank of america every time. I use my debit card the funds for that transaction are placed on hold. I had a transaction to go thru and the funds were n't there to cover it. I was charged {$35.00} since which cause everything processing to bounce and I received additional overdraft fees on XX/XX/XXXX. On XXXX XXXX I received and overdraft fee for my account which did n't have XXXX to cover a transaction all these are debit card purchases. I feel like a {$35.00} fee on XXXX is crazy when I was inquiring on how to file a suit I was referred to this site. So before I take any more actions I 'm going to see how this site helps

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 2017-02-11
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/XXXX I noticed on my bank statement that from XX/XX/XXXX - XX/XX/XXXX there had been multiple fraudulent charges from Paypal taken out of my bank account. I spent the next month trying time and time again to get Paypal to 1 ) close my Paypal account and 2 ) credit me back the more than {$1200.00} they had transferred out of my bank account. Paypal also opened up a line of credit that I DID NOT AUTHORIZE. I can only assume someone hacked into my Paypal account fraudulently ; but how did they get a line of Paypal credit open in my name without my authorization! I have spoken to at least 10 Paypal customer representatives and supervisors and got different stories from all of them. I even got an email from them saying they were taking MORE money out of my account (??!! ) and that email was dated - get this - XXXX. Yes, I am not kidding. What a screwed up company. So far, they have only put a credit of {$600.00} in my account and they owe me the entire {$1200.00} that was transferred out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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, the XXXX XXXX CT NY XXXX has violated my right. 

15 U.S.C 1681 Section 602 A States I have the right to privacy. 

15 U.S.C Section 602 A Section 2 also states a consumer reporting agency can not furnish an 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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have inquires on my consumer report that I would like to be removed. 
These inquires are : XXXX XXXX XXXXXXXX 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 US Department EDU

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 2022-09-01
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 4 phone calls in the last week regarding a supposed debt my father does not owe, from a company calling themselves RMS. Two were on XX/XX/2022, another the next day ( straight to voice-mail as I had blocked their number ) and another on XX/XX/XXXX from a new number. The first three were by a real individual and the last by an robocaller. 

The last robocall gave a prompt to talk to a real person, so i endeavored to confront RMS. I asked for their address so I could file a TCPA lawsuit, but they hung up.

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 2016-02-26
Company: AMCOL Systems, Inc.
State: NY
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:
I paid off this debt from Doctors care. I went on the website and paid the balance in full. While they took it off my XXXX credit report, they have left it on my XXXX report.I contacted the AMCOL and faxed them the receipt showing I paid the account in full. I was told they were sorry and would update the account. However, they have n't updated the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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, the XXXX XXXX CT NY XXXX has violated my right. 

15 U.S.C 1681 Section 602 A States I have the right to privacy. 

15 U.S.C Section 602 A Section 2 also states a consumer reporting agency can not furnish an 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 2019-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PR HAS TWO ACCOUNTS IN MY XXXX  AND XXXX REPORT THAT THEY REFUSE TO DELETE AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Navient Solutions, LLC.
State: MO
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:
Dept of Ed/Navient has placed a unknown account on my Credit Report on XX/XX/2013 in the amount of XXXX I demand that the account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME. ATTENTION I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND TRANSUNION CRA & # XXXX, XXXX. On XX/XX/2020, I MAILED XXXX, TRANSUNION AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTIFY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND OR FAILED OR REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INVESTIGATION FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report as of XX/XX/2022 is still showing XXXX XXXX XXXX when company cease, agreed to stop reporting that account in the case with CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: TD BANK US HOLDING COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
hello credit card dispute - tdbank credit card # XXXX Amount {$27.00} company XXXX date of charge XX/XX/XXXX i received product XX/XX/XXXX or so and tried to contact the company as product was defective not as shown and did not work as shown could not contact and no reply for email. Merchand website no longer there .could not mail back the product as from address was not complete and it was from XXXX . So contacted tdbank on XX/XX/XXXX and dispute the amount. said they will send paper work but did not get any. said do not pay the dispute amount. again i called XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and so on and each time they said they will reopen as case closed and when asked to speak with supervisor or manager, not available will call back today and get a call 3 days later. finally i received the paperwork on XX/XX/XXXX and i faxed it to tdbank XX/XX/XXXX. why cant they take a scanned email copy so i have proof of receipt? today i got a phone call saying the dispute is closed and i have to work with the merchant? why? i already tried so why cant the credit card company take care as promised? 
please help attaching the dispute and credit card transaction thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: Navient Solutions, LLC.
State: NJ
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 have my student loans through Navient, which is a terrible company and I would never tell anyone to ever borrow money from them. I owe them just a little over {$80000.00}, which I understand that I borrowed the money and I should pay them back. I 'm ok with paying them. I feel that I should pay them, but what they are doing is thievery. I have a total of XXXX loans through them ranging in interest rates from 4.75 % up to 11.62 %. When I called them to see if they could help me to possibly consolidate these loans I was told they are not doing any loan consolidation at this time, which is what I was told every time I called them. They could n't offer me any help to bring my payments down to a more manageable monthly payment. And mentioning monthly payments, I have a lot of them left. I was told my final payment will be in 2035! I will pay off my house before then! By that time I would have paid them over {$200000.00}. I initially only borrowed around {$66000.00}. That 's an absurd profit margin. The only answer I got from them was them telling me to call another lender to try and consolidate some of the current loans. So I am in the process of doing just that, but it would be nice if the company I borrowed from were more helpful. As I stated before, I would never borrow from them nor tell any else to borrow from them. They are a bad company with bad practices. This whole ordeal has made me really wish I did n't even bother going to college, and it makes really think if it 's worth pushing my future children to even bother going. I hope someone can help.

Company response to consumer: Closed with explanation