BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of American changed my information mailing address, contact information without informing me. They can not tell me who did it or why. They then transferred all my funds out of the account to an unknown address. fraudulent activity was occurring in this account without my knowledge. I have filed a complaint as well as a fraudulent claim with Bank Of America. They have not responded and I can not get ahold of anyone to help me resolve this issue. The lack of concern over what was done to my account is alarming to say the least. I have no even received a phone call for any kind of follow up! I filed a police report as well as a letter to B of A Headquarters.

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 2020-03-19
Company: Continental Finance Company, LLC
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
OnXX/XX/XXXX I filed a complaint with CFPB against Continental Finance Company XXXX. The complaint was regarding information on my credit report and not receiving any billing statements. A representative from the company called and we worked out an agreement where they will purchase back the account from the debt collection agency, reopen the account, credit past fees and correct any negative credit reporting information. I also have a letter dated XXXX stating the above information. The company did eliminate the negative reporting however the balance information was incorrect. I decided to wait until the next update hoping the information would correct itself. Unfortunately the next updated was dramatically negative. On XX/XX/XXXX the company once again reported on my XXXX  and XXXX  report, the account as charged off and sold to a collection agency for a bad debt. The collection agency ( which the debt was bought back from ) is also still reporting this information despite disputing the information. A separate complaint will be filed against the collection agency for violation of the FCRA. On XX/XX/XXXX I called and talked to the same representative and he said he would look into it and get back to me. Unfortunately the representative or anyone from the office has failed to return my calls or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX  ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD. 
THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.

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 2016-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
they say that my info i provided is incorrect that i used to try and file a claim. they have no person to person customer service and want copies of my soc. security and personal bills. what good will that do if they wo n't let me log on with the same info i already provided? They show a bankruptcy which is not mine and i have never filed for one. Equifax and any other credit agency should have to make sure their info is correct and accurate in this day and age. Having the victim of their incorrect information jump through hoops is unacceptable! please help to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Westlake Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2015-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home equity line of credit with Bank of America, and I responded to a letter which notified me of the option of applying for a home loan modification. I had previously signed up for paperless billing, so I was relying on their account access for getting my statements. Once I had applied and begun the modification process, Bank of America blocked my access to online statements. Furthermore, my online access no longer will tell me the payment amount due, and I am not even sure if my payments are being applied properly. When I called them to ask about this, I kept getting referred to many different customer service departments, none of which could help me, and all of which said that I would not be able to access my statements or account information while the modification process is active. I need a copy of my statement to submit to the StepForwardMichigan ( HAMP ) program, and I am unable to apply until I have this information. I believe Bank of America is deliberately trying to get me to stumble so that they can begin adverse action - I can not think of a legitimate reason for blocking account access for a customer in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( XXXX, EQUIFAX, AND XXXX  ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD. 
THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out a loan back in    XX/XX/XXXX    with  XXXX   XXXX  to attend classes for my  XXXX   XXXX  at  XXXX .  In  XX/XX/XXXX  I  had a baby and gained a Military fiance ' so needed to put school off due to not able to juggle, baby, working full time and Military man. I called in to  XXXX   XXXX  around   XX/XX/XXXX  to figure out what to do with my loans. I was told I need to pay ov er 1,000 a  month on my loans until paid in full. I advised  XXXX   XXXX  there is no way I can afford this being a single mother with   XXXX   kids. The only option they had for me was to put my loans in forbearance until I could afford the payments. Well my loans pretty much sat there until I had no forbearance left as I never have been able to affo rd over 1000 a mo nth. I received a phone call from Navient who took over my loans from  XXXX   XXXX  stating I was past due. My forbearance had run out. I found out about a lawsuit at this time that allows you to go on a monthly payment based on your pay, the income driven repayment plan. After a lot of headaches and back and forth with Navient, I finally got my payments down to  XXXX  a month. In   XX/XX/XXXX , my year was up and needed to resubmit my proof of income. Since once child turn ed  XXXX  and my pay went up a tad, I now am being told I have to pay  XXXX  a month. I asked if there was anything else I can do because I want to pay, just ca n't afford  XXXX  a month. I feel this loan has continued to grow as it is from the amount I originally took out, I ca n't afford much and the loan is never going away. I feel I was forced into forbearance and find I may have and still may qualify for some kind of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Navient Solutions, LLC.
State: NJ
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:
On or about XXXX XXXX, 2016 i have notified Navient Loan Servicing about a Student Loan that was being reported to all XXXX credit bureaus with my personal information I have submitted a formal dispute under the Fair and Accurate Credit Transactions Act about the student loan account XXXX a total of XXXX accounts where being reported all having the same account number. I submitted a original copy of a police report per there request however they still continue to report to the credit bureaus that the account is valid. I also requested validation of the debt in which i received no response from Navient Loan Servicing proving that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: GVA Holdings, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I recieved a {$500.00} loan from a company called NorthCash on XXXX/XXXX/2016. Loan agreement had me do first payment of {$120.00} and XXXX payments of {$170.00}. So far I made XXXX payments. Since Northcash is not licensed in the State of Oklahoma the loan is illegal! On XXXX XXXX, I sent a letter to Northcash stating that they are not licensed in Oklahoma and I 'm willing to pay the principal of the loan which I owe {$35.00} since i paid {$460.00}. Hours later I received an email from Northcash stating as a courtesy, they will wave all fees and interest and I owe only {$35.00}. A few hours later I received an email from Northcash stating that I have a balance of {$410.00} and I can do XXXX payments of {$130.00}. I called and talked to the representative and she claims because if my age I do t know what I 'm talking about!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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 fraud alerts or security freezes

Complaint:
Hello, I am trying to submit a credit freeze for my daughter. After going onto Transunion website to learn the protocol for how to do so I mailed in all of the necessary information ( XX/XX/2011 ). After not receiving a response from them I then mailed in the necessary information again back in XXXX. I have still yet to hear back from them regarding this issue. 

Thank you, 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 2020-03-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EXPERIAN ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD.

THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.

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 2022-08-27
Company: EQUIFAX, INC.
State: SC
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Last year XXXX damaged a suitcase during shipment. XXXX never paid neither responded my claims. I opened a claim with my credit card company to get reimbursement from XXXX. XXXX never approved the claim of the credit card company. I gave up trying to collect payment from XXXX. Recently I started receiving debt collection notices with collection fee. A copy of the notice is attached for records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt  my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions 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:
I sent a document to Experian showing that negative items XXXX on my credit report had to be removed due to I won a court case again the company XXXX for Robocalling. After 30 days Experian didn't remove it the items still remain on my and affecting 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 non-monetary relief
Consumer complaint received 2015-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Advertising and marketing

Complaint:
False advertisement, deceiving and unfair business practices demonstrated by Bank of America. I intended to use balance transfer checks that I have been receiving as " as special offer '' from Bank of America. In order to use the transfer checks and transfer higher paying interest to a new lower interest credit I made a large payment to the BofA account ( XXXX ). That would allow enough limit in the credit for the transfer and to have a lower credit interest overall. Just after the payment was made, aprox. XXXX days later, I receive a letter indicating that my credit line was cut by more than 50 %. This is credit I already had no new credit I was applying for. BofA action prevented me using the transfer checks and not being able to take advantage of the advertised offer and lower my overall interest rate. I am very angry because I could have use the large payment I made to BofA ( {$16000.00} ) for other things and keep paying as I usually do. I must mention that we had this credit card for around 30 years. I could have used the money to lower other payments. Their action just not only sabotaged the balance transfer, but also, for the credit bureau, it reported the card as over 95 % use thus decreasing the my overall credit score. This action from BofA was totally deceiving, arbitrary, unfair and also, damaging.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My friend and I used my another friend 's phone number and sent XXXX dollar to him on XXXX, and we were XXXX in Bank of America XXXX But the friend never received the money. I went and called to Bank of America lots of times, and the assistant said that the money was transferred to the another person who has same phone number with my friend, which means there are 2 people have same phone number. The assistant also said that they tried to call the person and got my money back, but it did n't work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: GreenSky, LLC
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
I have been doing business with greenskycredit aka XXXX and have been paying an authorized dealer on a weekly basis by automatic w/d from my account. It has come to my attention when I recieved my bill and late fees and excess interest that this party has not been posting my payments. On the following dates the payments were pulled from my account and on the following dates they were credited to my credit account. 
XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX never posted XXXX/XXXX/15 XXXX never posted This company has also been assessing late fees on this account the most recent one was assessed on XXXX/XXXX/15. This is a direct result of the destributor failing to post payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Bridgecrest is violating the law with misleading practices, unfair debt collection. 
15usc1692 Committing fraud with down payments 15usc 1605 Violating the law by giving my information to third party without my consent 15usc 1605 unlawful finances charges

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 2020-03-19
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello! My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX utah XXXX. My phone number Is XXXX. 
I tried contacting my mortgage company Monday, Tuesday and today! They will only defer my XXXX mortgage which is XXXX till XXXX but pay them both both in full XX/XX/XXXX which would be {$4000.00}, that doesn't help at all! I want to pay it. I'm just not working this week or probably the next 2! I was just hoping they would put it at the end of my loan and no help. My daycare Is still charging me everyday even though my kids aren't attending which is {$310.00} every week! I am seriously stressed  and freaking out. Please if anything just return my message. Please and thank you!!!! 
CMC Funding Inc is my mortgage company Sincerely, 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 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
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 believe my loan is direct ( Sent Straight to XXXX XXXX XXXX XXXX ) but im a little confused. Payment kept going up and changing. The rate a was n't ever the same. I called and they " fixed '' It but I still do n't seem to be making a dent. I 've paid a significant amount in six months and probably only got XXXX off my loan. Not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Nelnet, Inc.
State: MA
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Hows it possible that youve reported me 90-150 days late with no late payments prior to that? I was never late on this account. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation