BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Bank of America closed my credit card account on XX/XX/XXXX. The account was paid off shortly after that. it has now been passed 7 years and this account still shows on my credit report. The date this account should have come off is XX/XX/XXXX I disputed this account on XX/XX/XXXX. Bank of America stated the information is correct on XX/XX/XXXX. I called Bank of America on XX/XX/XXXX. They said they can not do anything as the account is to old. Can someone help me remove this account from 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 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage 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 2022-09-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} n ordnance 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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXXXXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} n ordnance 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 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 2021-04-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX  XXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Accounts #  XXXX  and #  XXXX  are accounts were due to identity theft. In addition, the statue of limitation has been exceeded for each account.   Account #  XXXX  in reference to  XXXX   XXXX . After contacting the company I was informed that the account was SOLD t o MIDLAND CREDIT MANAGEMENT. W hich by my understanding is illegal. This account initially was reported as identity theft to  XXXX . After the issue was ignored by  XXXX   XXXX  they then sold the account to MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 spoke with XXXX at Transunion on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Transunion credit report : " XXXX XXXX XXXX " account # XXXX open on XX/XX/XXXX in the amount off {$390.00}. I did not authorize any of ths account. I am requesting that the above unauthorized account be removed immediately from my Transunion credit report due to my identity been stolen.

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 2019-08-06
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-11-29
Company: BARCLAYS BANK DELAWARE
State: GA
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:
Not reporting correct amount -- -> Barclay I have disputed this matter with all three credit bureaus as well as credit card company, Barclay . I disputed a charge on my credit card after not receiving the product. And Barclay removed the charge and then later reapplied the charge without notifying me why the charge was reapplied after I did not receive the product. Barclay did not respond to any of my inquiries sent via certified mail. And then began reporting the incorrect amount to the credit bureaus. I disputed with all three credit bureaus. After the second attempt, XXXX  investigated and was able to determine that the amount being reported is incorrect and/or could not be verified and therefore removed the account from my report. I have disputed with both XXXX  and XXXX and the investigation process is insufficient. I have provided supporting documentation of the letters sent and never got a response from Barclays. The last response I received from Barclays was in XX/XX/2016, when they put to monies back on my card after removing it. I never received any other correspondence from the company after several attempts to reach out and see why the monies was put back on my account without notice and/or I still never received the product that was promised from the vendor. This account is now closed, " charged off '' due to dispute never being acknowledged. I refuse to pay amount and interest for items I did not purchase. I need this account removed for reporting incorrect balance to credit bureaus and not acknowledging my disputes with company. This has been going on for over 3 years.

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 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
Equifax has exposed my personal information, including name, address, social security numbers, and details of my credit accounts and inquiries. I will be incurring significant time and expense rectifying the damage as a result of Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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:
to whom this XXXX concern I am writing to report all of the incorrect information listed on my credit report. I am victim of identity theft. I am interested in all original creditors reviewing the file with dates, accounts, amounts listed and remove the information immediately. this has rendered me from moving forward due to these errors. my credit report is supposed to be XXXX XXXX accurate on all XXXX credit reports. that is not the case. please review the details in the files.

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 2022-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get at least XXXX calls per a day from portfolio recovery services. Sometimes they create static on the phone call when I answer that hurts my ear. They never let me ask any questions, if I start to ask a question they hang up. I want them to stop calling me and only contact me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: KY
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/XXXX I received a reply from Experian regarding the dispute of inaccurate and unverifiable bankruptcy information contained in the public records section of my credit report. Experian says the information is verified as accurate. 

But that 's wrong ... as you 'll see by the attached report with my notes & supporting letter from the US Bankruptcy Court Clerk stating that it does not verify information. So ... Experian has been lying about verifying directly with the source ... which is exactly how they are supposed to verify any reported information. Otherwise, it 's false! And in this case ... it 's also inaccurate. 

Furthermore, Experian is not supposed to score the contested information against me during the verification process. Experian has violated the Fair Credit Reporting Act on numerous occasions. 

Experian has NEVER verified the public records information DIRECTLY with the Bankruptcy Court of XXXX XXXX XXXX. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court or XXXX XXXX XXXX. I have also attached a letter from the US Bankruptcy Clerk that states that credit agencies get their information from a 3rd party service such as XXXX or other agencies like XXXX. 
This is not reliable, and is prone to errors. 

But Experian has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Experian. 

Lastly, Experian has also continued to show my full Social Security number directly on the credit report ... instead of masking all or the majority of my Social Security number. 

I am demanding that Experian be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX XXXX 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 2017-08-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Obtained student loan in XXXX in the amount of {$28000.00}. The balance is now over {$58000.00}. At one point i was on a payment plan but was removed from the plan after a year and never received information about re-enrolling in the plan. I fell several months behind, my credit was badly affected, and can not afford the new monthly payments. I called and spoke with a representative from navient on XXXX/XXXX/XXXX. We agreed to lowering the payment to {$320.00}, which I was hesitant about because that is still a high payment for my current situation, but ultimately I want to pay this thing down so agreed. The representative stated the payment would be auto drafted on the 3rd of each month, but they needed a payment that day. I told her I could not afford it until XXXX/XXXX/XXXX. She said that was fine, and it was auto drafted on the 30th and again 3 days later on the 3rd. So I paid navient {$640.00} in a 3 day span! Why could n't she off my first payment be made on XXXX/XXXX/XXXX?! After the XXXX/XXXX/XXXX payment was auto drafted, I get a letter in the mail stating I do not qualify for the repayment plan I already started! This is unacceptable and extremely frustrating. I have now paid navient about {$1000.00} on a repayment plan that will not put a dent in my loan and I will not be able to recoop. Had I known this, I would have rather tried forbearance. I want to pay my loans off. I do not want to be in debt forever. But it seems that is what navient wants, it 's cash cow. I propose an interest cap where the balance is 150 % of the original loan. Forgive {$15000.00}. I will pay {$45000.00} at 0 % intrest within 11 years. Please Help! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, 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:
I am writing to update my credit report with the correct information. I am a victim of identity theft and did not make the following charges on my credit report. all correct information for all XXXX credit reports are supposed to be XXXX XXXX accurate. the information is incorrect. to protect my account I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed are responsible for updating my file. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The federal XXXX aid has a different amount owed than Navient. Navient stayes I never paid them and will not show my payment history. They have the incorrect loan amount. XXXX has the correct amount. Navient told me no interest would acrew if I went into forbearance for years and then XXXX plan. 
XXXX has my balance at XXXX and Navient says they bought loans and consolidated them and I owe XXXX. 
I have tried to contact both XXXX and Navient over XXXX times in the past frw years to correct this. 
I paid for over XXXX years on these loans and was told it would be forgiven after XXXX  years on XXXX plan I began in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage loan with PenFed Credit Union for my residence in Washington State. Upon signing for my loan, I choose to received my monthly statement/bill by US mail ( declining electronic only option ). Back in XXXX of this year, PenFed stopped sending me my monthly statement/bill. I initially noticed that I did not receive a statement and called PenFed in order to get the balance, inform I still want the monthly statement by US mail, and to pay by phone for that month ( XXXX ) since I did not receive the bill. I had given my bank account information for that payment, but it turns out they had a record of the call but lost the transaction. I received a notice later in XXXX that my account was past due. I called several times to identify and straighten out the problem. Eventually the payment issue was corrected but they indicated they now change $ XXXX from my savings going forward in order to continue to receive my monthly bill/statement by US mail. Given that I singed-up for the mortgage with paper option I do n't think they should be charging me a fee every month in order for me to receive my bill. Can your agency please help me work with PenFed to go back to sending me the monthly statement/bill by US mail without deducting $ XXXX fee?

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 2017-04-03
Company: DOAN SOLUTIONS
State: FL
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 was contacted by  XXXX  via my school district protected email regarding a service to assist with public service loan forgiveness. When I called  XXXX  I was transferred to Doan Solutions LLC who I was told was contracted with them. I signed a contract and was charged a {$390.00} for their assistance with this program. After speaking with Fe d Loan Servicing, I believe this is a scam because they stated I should not have been charged a fee for those servic es.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: KY
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 XXXX XXXX, 2017 I received a reply from Equifax regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Equifax says the information is verified as accurate. 

However, they have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is currently being investigated or as consumer disputes. Furthermore, Equifax is not supposed to score the contested information against me during the verification process. Equifax has violated the Fair Credit Reporting Act on numerous occasions. 

Additionally, Equifax has NEVER verified the public records information DIRECTLY with the Bankruptcy XXXX XXXX XXXX XXXX XXXX. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the XXXX Bankruptcy XXXX or XXXX XXXX XXXX. I have also attached a letter from the XXXX Bankruptcy Clerk that states that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 
This is not reliable, and is prone to errors. 

But Equifax has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Equifax. 

Lastly, Equifax has also continued to show my full Social Security number directly on the credit report ... instead of masking all or the majority of my Social Security number. 

I am demanding that Equifax be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the XXXX Bankruptcy XXXX or XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation