BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to obtain my experian credit report on line. I am also unable to access my free anual credit report online via the annualcreditreport.com website. I was told the size of the report is causing this and may be related to the number of soft inquiries generated by reviewing my own report. As I had previously been a victim of Identity Theft, I checked my report almost daily for new/unauthorized inquiries or accounts appearing. That is why online access is so important to me. Now, apparently the file size will not allow online access and I must mail in a form to get a copy of my report. For someone who is monitoring their credit for identity theft in the event someone attempts to open an account in my name, I need to be able to access my credit information without waiting two weeks for XXXX in the mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I feel like I 've been a victim of identity theft and contacted the credit bureaus right away. I explained that I contacted the creditor and XXXX told me that this account belongs to someone else with a different address. So I did everything that the Experian representative told me so that these accounts would come off. I checked almost every other day to see if anything has been done ; to my surprise, not even a dispute was placed on any accounts that we 've discussed. Then I was informed about your agency who keeps everyone in check. I am really hoping that these kind of business is not tolerated as we know that a lot of things depend on credit rating. We can not afford to have a XXXX bureau just because they can do whatever they want or not do what ever they do n't want even if its the right thing to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: AL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My daughter got a student loan through XXXX XXXX ( we cosigned ) for a training program and we had been paying on it regularly until we were forced to file bankruptcy in XXXX. We knew federal student loans werent dischargeable and expected to resume payments after the bankruptcy. When we emerged from chapter XXXX in XXXX of this year, we suddenly started receiving bills from Navient on the balance, along with a bill for the {$1200.00} in interest they had put on my loan during the time I wasnt even able to make payments. I had taken my loan out through XXXX XXXX, not Navient, so I requested loan documents to verify the loan was mine. They began to call and give me a hard time and them finally got loan documents to me three months later. Im familiar with enough scams that I dont just start paying people who call me who I dont know and demand payment. By the time I received verification, three months had passed and they began harassing me for the loan payment, which had increased, along with the payments in arrears because they took so long to verify the loan was mine. They then sent me letters offering to work with me to help me pay the loan, but then denied me every option. They declined an interest reduction, extending the loan to lower the payments, and a couple of others. They claimed that the loan was due by XXXX XXXX and they couldnt ( more like wouldnt ) extend it. I have now received a 30 and 60 day notice on my credit and they keep threatening me with default if I dont pay up. I am XXXX and have a variable monthly income. I explained this to them and they dont care and simply demand payment. I dont wish to default but they may leave me no option. Additionally, when they call, they demand my birth date and social security number to " verify '' I am who I say I am. I always decline and remind them that only an idiot would give out information a scammer would want when some stranger calls on the phone. They usually get XXXX and hang up. I also have an app on my phone that allows me to record phone calls. Twice now I have informed them at the beginning of the call that I will be recording the call, and they have become very irate, demanding I dont record. I find this amusing since they inform callers they record calls on their end for quality assurance. I 'm not sure why they would care if I record the call unless they wanted to edit the calls themselves. Seems sketchy. They also use a random number generator that gives a random location and number every time they call. Thats a scammer tactic. I 'd like to resolve this and not further damage my credit, but they are intransigent. If you can help I would be grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I would like to report multiple cases of debt re-aging by the XXXX. I have disputed with both Experian and XXXX multiple times, and in each instance the XXXX alleged debts are " verified '' and are allowed to remain on my credit reports. Now when I try to resubmit the disputes ( for at least the fifth time, possibly more ), I get a message from Experian 's website stating the items have previously been disputed and that they will not process duplicative disputes. The dates of first delinquency have been changed and made more recent on multiple occasions, allowing the erroneous " late payments '' to remain on my credit reports indefinitely. The true dates of first delinquency are well beyond a decade ago, and I continue to be penalized for these debts from XX/XX/XXXX ( this is XX/XX/XXXX! ). They are also erroneously reported again on my XXXX credit report as duplicate accounts with still more late payments reported by Dept of Education/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 2016-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
During the final weeks of closing, Bank of America provided poor service that made us almost lose our closing / home. We received a closing disclosure letter contacting Bank of America if there was something significantly different that what was promised. No contact was required unless there is an issue with the loan costs. 

A day later, we received a call from the builder / Bank of America that our closing would be delayed as we did not contact BoA to tell them we received the closing disclosure. No document said we needed to contact BoA but we were told " new Frank Dodd requirement. '' I said we did not have any language about this requirement and was told it was our responsibility. 

In addition, the letter was incorrect in that it did not have required Georgia disclosures ( i.e. wiring of funds ). 

The writing of the disclosure document is incorrect.

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 2016-11-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have recently requested a copy of my credit report. I noticed credit inquiries in my file which were removed and now have been reinserted without the 5 day notification which is law according to the FCRA. I contacted the creditors via mail no response so I am looking for the law to be enforced and these inquiries re-removed as it is affecting my credit score.

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 2016-07-08
Company: Navient Solutions, LLC.
State: MA
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:
For 12 months I was on an automatic rate reduction payment plan with Navient. In XXXX 2016 I noticed my Navient account sent me a note of a late payment. I called them immediately was advised and assured that my account was not delinquent and with the next payment my account would be current. My XXXX payment went through and the same noticed appeared on my account. I called again, expressing my deep concerns due to working extremely hard for my credit score and that I would not want an error to appear on my credit report. The Navient representative went through my account and advised that my account was set up properly and payments were being allocated correctly. XXXX 2016 I check my credit score and fico score and saw that my score dropped XXXX points due to my Navient account reporting as XXXX delinquent!! I called Navient immediately after being transferred numerous times the final representative confirmed that the error was due to a miscalculation with the account being set up on Navient behalf. I advised that an immediately notice be sent to the credit bureau of this error. XXXX & XXXX 2016 I checked my score again with little to no difference made to my score. I called Navient again to advise that no resolution was made with my score and that this was affecting my financial future! It was then I noticed that Navient was also charging me late fees on top of this error that occurred on their behalf! My account was adjusted and was advised that another 25 days would be needed for them to do a full evaluation to my account to submit the " XXXX portion '' of the dispute to confirm that my score dropped indeed solely on their behalf. Since then I have seen no difference to my score and no next steps from Navient on a resolution on correcting their mistake. I have also placed a dispute with XXXX to also look into this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: Nelson Cruz & Associates LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A person by the name of XXXX XXXX, contacted my place of business informing the Office Manager that he is filing a complaint against me, but addressed me with my former married name, which I have not used since my divorce became final eight years ago. He informed the Office Manager that he is going to garnish my wages. The Office Manager asked this person from what company was he calling from, and he stated he was calling from Nelson Cruz and Associates. The Office Manager then referred this person to our HR Department. However, I have never heard of this company, nor do I have any outstanding debt or loan. I believe this company obtained enough information about me to scam and fraudulently attempt to collect money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a letter from Experian that my information was compromised by an unauthorized party. When I checked my credit report I saw two hard inquiries that I did not authorize. I want to dispute them and get them erased from my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Northern Trust Company, The
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I was told by letter from Northern Trust XXXX copy attached XXXX that my home equity line would not be renewed because I do not have a minimum level of assets with Northern Trust Bank. I have had this XXXX XXXX XXXX since XXXX XXXX, 2006 XXXX copy attached ) and have always been in compliance with its ' terms. I believe I have been discriminated by Northern Trust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: CORELOGIC 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:
XXXX account does not belong to me! Account number XXXX and the balance is XXXX. 

XXXX account does not belong to me! Account number XXXX and the balance is XXXX. 

Inquires are fraud as well. Someone attempted to apply for things in my name while I was incarcerated. 

XXXX XXXX Mortgage XXXX XXXX XXXX Small Bus Admin 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 2022-10-21
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX wrongfully reported to all three credit bureaus that I had an overdue credit card balance of XXXX XXXX. This information was incorrect. I have reached out to XXXX on XXXX different occasions once in XX/XX/2022, and once again in XX/XX/2022. I was informed that the wrongful reporting will be removed from all three reporting agencies. Unfortunately, it was only removed from XXXX, XXXX. Currently my XXXX score is XXXX because it does not show the incorrect late credit card payment. XXXX XXXX and Experian shows my score in the low XXXX because the incorrect late credit card payment is still showing on the reports. Ive reached out to Experian and XXXX XXXX for assistance in this matter and I have yet to hear back from them. XXXX has not been much of a help Either. any assistance in this matter will be greatly appreciated.

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 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America located at XXXX XXXX XXXX XXXX in XXXX, MA XXXX has chronic shortage of staff. On XXXX XXXX, I try to visit the branch in the morning but the line of customer were pressing out the front door. I left and try to visit the branch again the following morning but the line was even worse as customer are forced out the front door. This branch only employee XXXX tellers and XXXX customer service personnel while XXXX Bank and XXXX Bank on the same street staff their branch with XXXX teller and XXXX customer service persons. Why is that Bank of America under staff its branch compared to its competitors. Bank of America realize there is a staffing shortage however has not made any attempt to address this matter. In addition the bank is aware that in a XXXX neighborhood, often times the XXXX utilizes teller services at a much higher rate than its suburban branches. Furthermore, XXXX we have a large XXXX who speaks XXXX. Currently we have no XXXX speaking teller. By not having XXXX speaking teller adds communication burden and creates longer teller lines there by under XXXX. Why is it that other banks are require to fulfill XXXX XXXX XXXX but Bank of America at this location disregards its obligation under banking act. Why is that CFPB is unable to make Bank of America provide community based banking service

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 2016-11-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been watching my credit report on all XXXX agencies since I was sent to default on some student loans I should n't be in default for, regardless, I have been submitting disputes to agencies and slowly building or trying to build back a credit they seem to no longer care what I dispute. I have never had issues with experian until now, I used to be able to send a dispute and the matter was cleared or adjusted as such. This creditor is now the one that falls behind and fails to update my report as requested. I am told phone call after phone call that they do n't handle the reporting or that they all report the same issues which both in fact are false. If they all reported the same thing I would n't have this issue and each business wouldnt just wipe out XXXX report and not another. I have collections accounts that have dropped off of XXXX and XXXX because they no longer belong to that company, and the company that has it has been only able to post that is in in collections and not each months payment. Experian fails to update my report and wipe off those that are paid, as I was told by that company they would disappear and they have not. I have disputed items and even mailed in items per the disputes request and no update or response was given from experian.

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 2020-04-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX   XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX  XXXX never late US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX  XXXX not mine US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX   XXXX not mine US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX  XXXX not mine US DEPT OF ED/XXXX    XXXX not mine US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS AD XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX ), Account # XXXX, Amount {$300.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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 2016-07-11
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I placed a money transfer order with Western Union on XXXX/XXXX/16 for {$1700.00} to help with my parents medical fee overseas. Western Union did not make the transfer and emailed me saying they rejected the transfer of the money and would refund my money in 3 to 5 days. 

It has been now 11 days and I still do not have my money back. I called them several times and each time they give me a different answer but the money has still not been returned to me and I do not have it.

Company response to consumer: Closed with explanation