BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient is unwilling to work within my family budget to allow me to make affordable payments. When they make arrangements, they require them to be automatically deducted from my account. They ask what I can afford to pay and then always say they lowest payment they can take is at least {$50.00} more then that. They are so concerned with the interest collected on my non-federal loan, that they had not contacted me to pay my federal loan. I received notice that I was in default of my federal loan and had to quickly file for a consolidation with another company in order to bring my federal loans current. They are rude and unwillingly to meet customer financial needs during the repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: SC
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:
Several car dealerships and financial institutions pulled my credit without my authorization. My credit has a freeze on it as I was a victim of the South Carolina credit identity theft. There are numerous financial institutions that repeatedly pulled my credit without authorization from me. I wish to have these inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: IL
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 list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX account number # XXXX XXXX account number # XXXX XXXX XXXX  account number # XXXX XXXX XXXXXXXX account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX FIN account number # XXXX XXXX XXXXXXXX account number # XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven 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 2015-10-10
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
QUALITY LOAN SERVICE CORPORATION advises today, XXXX XXXX, 2015 ( email attached from XXXX XXXX ) that " the foreclosure is properly processed.. '' CONTRADICTING its purported boss XXXX 's statement made TODAY within CFPB saying : " Please be advised that at this time, we are reviewing the foreclosure process to verify no error occurred. The new expected date of resolution is XXXX XXXX, 2015. " IS IT LAWFUL THEN FOR QUALITY TO PROCEED WITH THE TRUSTEE SALE OF OUR HOME ON XXXX XXXX, 2015 PENDING THIS REVIEW by XXXX - for XXXX 's resolution on XXXX XXXX, 2015? 

Thank you, CFPB for your urgent help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THERE IS INCORRECT PERSONAL INFORMATION ON 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 2017-05-01
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home purchase closed   XXXX   XXXX   XXXX    , with the first payment due   XXXX   XXXX  . My mortgage lender sold the loan to LoanCare , LLC for servicing. My lender tole me I would receive paperwork from  the servicing company a nd not to worry if there were " a little slow '' because I would n't be charged a late payment. Having received nothing by   XXXX   XXXX  , I contacted my lender, who tole me the correct payment amount and emailed me a copy of the notice of assignment. He recommended calling the company to verify the address to send payments. On   XXXX   XXXX  , still having received nothing fro m LoanCare, I called the number on the notice of assignment. The automated answer system a  sked for my account number, so I entered the loan number on the notice of assignment and was informed that was not a valid account number. I was able to continue by entering my SSN instead. I   was treated to an extensive automated run-around that lasted nearly 10 minutes. It finally gave me an option to speak to a live person, and when I punched that number on my phone, the system cut me off. I tried calling back and was cut off much earlier in the run-around. The phone system had informed me of a web address for LoanCare, so I tried th at next. The website also informed me that my loan number was incorrect, and it did not offer an alternative os using my SSB, so I could not proceed. I had no choice but to send my payment to the address on the notice of assignment and hope for the best. I included a somewhat tart letter outlining my significantly negative experience and suggesting the least the company could do would be to inform me of my correct loan/account number. They cashed my check but I have received no communication whatsoever. On   XXXX   XXXX   XXXX    , I again contacted my lender asking where I could file a complaint.

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 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Home mortgage was applied for as a Department of XXXX ( XXXX ) loan in XX/XX/2009 when I was still on XXXX and was, to my knowledge, a XXXX loan. When I tried to refinance the mortgage under a XXXX it was discovered through more than XXXX months of research and hours of telephonic conversations, the mortgage was never turned over to the Department of XXXX, as the attached closing documents would lead to believe, by the mortgage lien holder ( Bank of America ). When I pushed the issue forward with Bank of America and requested they make their mistake right, within 30 days my mortgage was sold to another lien holder ( XXXX ). After further research with XXXX I was told they ( XXXX ) purchased multiple of these XXXX but not XXXX loans from Bank of America.

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 2022-07-25
Company: PENNYMAC LOAN SERVICES, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I called XXXX XXXX to ask about loan questions. I was asked my name, address, ss # and telephone number. I was then asked did I want a XXXX year loan. I then asked if you ( XXXX XXXX ) did commercial loans. I was told no. XXXX XXXX received a credit report from XXXX without my authorization. 

I called XXXX XXXX on Thursday XX/XX/XXXX, and asked as to why you ( XXXX XXXX ) ran my credit report. I talked to a XXXX that read the file that was established with my name on it and she repeated the information that is the above mentioned. I was then told that since a file was opened with the stated information that a deletion letter could not be issued. I then asked for a copy of the recorded conversation of XX/XX/XXXX. I was told that the recording could not be found. I then asked why would a credit report be warranted if you ( XXXX XXXX ) didn't do commercial loans. I received no response. 

On the same day Penny-Mac ran my credit report from XXXX. I have never spoken to Penny-Mac before today. I tried to talk to their serving department, however all I was able to do was to interface with Penny-Mac 's auto attendant and received no option to talk to a live person in their servicing department. As far as Penny-Mac goes I could not even request a deletion letter for the hard inquiry. As a result of the two hard inquiries on the same day that were unauthorized my credit score dropped more that XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CORELOGIC INC
State: PR
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 do not recognize the following inquiries in my credit report : 1 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 2 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 3 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 4 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 5 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 6 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 7 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX, CO XXXX XXXX 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 2022-04-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-04-20
Company: EQUIFAX, INC.
State: CA
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:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$1200.00} / XX/XX/2022 XXXX XXXX/ {$150.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$1200.00} / XX/XX/2022 XXXXXXXX XXXX {$150.00} / XX/XX/2022

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 2016-12-15
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013, XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2022-04-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2016-09-14
Company: Resurgent Capital Services L.P.
State: WA
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:
XXXX which is XXXX of those credit bureau is practicing unethical business example. They have also failed to provide copies of form of ID used for opening such service from this so-called shady collection agency. I Sent out debt verification request ( XXXX, {$530.00}, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ) to the shady collection agency " XXXX XXXX XXXX XXXX They have failed to provide such proof within the 30 days of timeframe, then again, it makes seem like this wrong charge has been sold out by another shady branch of theirs collection agency called ( " RESURGENT CAP '' XXXX XXXX XXXX # XXXX, XXXX XXXX SC XXXX ( XXXX ) XXXX ) Both Transunion and those bogus and shady collection agency have failed to provide debt verification and keep posting wrong charge information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: Credit Protection Association, L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have noticed a new collection account on my credit report that -- I have attempted to contact the company Credit Protection Association ( XXXX ) and have been unable to contact anyone on the phone. All of my accounts are current and I am unaware on any outstanding credit issues. I am a XXXX employee and I am concerned with an account that may have been opened due to the XXXX data Breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I paid my statement balance, thinking that would avoid any interest. I was told when I spoke to a customer service rep, that the statement balance means nothing and that I need the pay the purchase balance in full on the date I make the payment, including purchased made after the statement was printed. I rely solely on the statement to determine how much I need to pay, and I try to pay the purchase balance in full to avoid interest. I do not think it is fair to charge interest on a balance that is unknown until the next statement arrives.

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 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I was denied from a lender due to " too many inquiries '' from Transunion. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Transunion and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future, and it still continues to happen. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.      XXXX -  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX -  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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently sent a dispute into transuion asking the company to deleted unauthorized fraudulent inquiries. XXXX and XXXX have deleted these unauthorized fradualent inquiries, but transuion has n't. The inquiries are still associated on my transuion report. I have attached proof that that these inquiries were deleted from my XXXX credit report and no longer reports on my credit report. I formally request that the following unauthorized inquiries be immediately removed from my transuion report to show my true credit history, as these items should not be reflecting on 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