BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
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:
My ex-wife 's late mortgage information ( 12+ months past due ) has been incorrectly put on my credit report! 
We refinanced a home through XXXX XXXX, then we divorced and I filed bankruptcy. In the documents I will attach, it clearly shows that this mortgage amount was discharged by the bankruptcy, and this is also in the divorce decree On the bankruptcy petition - see page 20, XXXX XXXX mortgage for {$68000.00} was included in the bankruptcy filing On the divorce decree - see page 17, Exhibit 1, under division of property On the attached credit report shows that this negative information has been put on the XXXX and EXXXX credit bureaus, but looks like not on XXXX. 

I have had a XXXX Ohio company, XXXX XXXX XXXX, send official documentation to XXXX XXXX ( actually now Bayview Bank, who, when I called them took over the mortgage when it got many months past due. ) XXXX  contacted Bayview approximately XX/XX/2020. Still no response from Bayview to date

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have some items on my credit report that is not mine and I have disputed them with the TransUnion by mail and phone conversation. I do not recall using the services at all. The accounts are as listed XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX and XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: TX
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:
Per 15 U.S.C. 1681G I have noticed incorrect information being reported on my credit report and account that have no contracts on my account that needs immediate deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: MO
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:
I was advised by customer service agents at Navient on XX/XX/XXXX that I needed to consolidate my loans in order to utilize the public service debt relief act. Following their instructions, I consolidated my loans. I then called them on XX/XX/XXXX to confirm that I could now resume my enrollment in that program. I was informed by an agent at that time that by consolidating I had wiped out all of my previous service under the public service debt relief act, and would have to start over. I have the documents for my consolidation, none of which state that I will lose credit for the payments I had already made through the public service debt relief plan. Clearly, Navient is issuing bad advice and bad documentation, and is contributing to the financial ruin of public servants. I would like to offer to join in the XXXX suits already in progress, or to offer evidence for the suits. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TRANSUNION is reporting inaccurate information on my credit report which is causing me great emotional & financial distress. I 've been disputing an account which reflects on their reports as XXXX XXXX XXXX / {$210.00}. I have no idea who this company it is & feel the reporting of the account in general is a severe violation of the FCRA. ALl information is supposed to reflect 100 % accuracy. I do n't know about you but this is very confusing. I 've asked them to remove it twice & they continue to claim its been verified. I 've done some of my own due diligence & think I know who the company is so I sent them a letter requesting further information as to how this information was verified & has received nothing back from them as well. Since no one is able to verify the accuracy of the information & the data furnisher has failed to respond to my request for verification as well I would like it removed immediately. Both XXXX & XXXX have both removed the alleged account ...

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 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have faxed over my police report on my Identity fraud or theft. I have faxed over multiple to TransUnion that when I recently pulled my new credit report that XXXX of the XXXX hard inquiries that came up on XXXX came up on TransUnion. They are XXXX and XXXX. I want them removed from my TransUnion Credit Report. XXXX has already removed those XXXX hard inquires since I sent them my police report. I want TransUnion to do the same.

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 2016-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was checking my credit report and saw that i had a hard inquiry on my report and i checked that it was by XXXX i did not apply for credit there.

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 2017-03-04
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The service representative was harsh and not listening to my questions. Attempting to collect on a debt I thought was in a grace period because I had just finished school in XXXX and it is only XXXX. Why would know one contact me prior to this? I let her know I could n't afford the XXXX a month and I needed to lower my payments. They were aggressive and unwilling to hear it. I fully intend on paying my loans just needs to be something I can afford monthly as to not overextend myself. Hate that my loans even ended up with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have purchased my home in XXXX 2003. My original mortgage was at XXXX and had a PMI of {$270.00}. I borrowed XXXX I have purchased my home in XXXX 2003. My original mortgage was at XXXX and had a PMI of {$270.00}. I borrowed {$110000.00} I currently owe more than I borrowed and have given lump-sum payments of {$10000.00} {$5600.00} and XXXX loan of XXXX. Although I had missed payments in the past I always pay the lump sum they asked to bring Current. My mortgage has been with fa my mortgage has been with Bank of America they stated they have given me a modification down to 5 % I have always paid lump sums to catch up but I currently after XXXX years in the home owe more than I borrowed. Bank of America they stated they have given me a modification down to 5 % I have always paid lump sums to catch up but I currently after XXXX years in the home I know more than I borrowed XXXX years ago I have received no help from bank of America. I need help. I know more than I borrowed XXXX years ago I have received no help from bank of America. I need help They have improperly reported my credit. Plus jduring the course of the loan I was paying more than the original amount of XXXX per month. I can be reached at XXXX XXXX or XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The allocation of my monthly loan payment & the amount that is applied to principal & interest are in question. I have yet to hear back from Navient on this yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently applied for a XXXX XXXX XXXX/XXXX credit card and was approved. The card issuer is Commenity Capital Bank. On the XXXX XXXX website, and on the Commenity website where you can apply for a card, it was advertised that if you spend a certain amount either online or in a store, you will receive 0 % interest for a number of months depending on your purchase amount. I made a purchase online on X/XX/2017 in the amount of {$620.00}, which qualified me for 12 months 0 % financing if the balance is paid off within the time limit. On the XXXX XXXX website during the check out process, there was only the option to enter a credit card, and no way of being able to specify if you wanted to take advantage of a promotion. At this time, I assumed the promotion would take effect automatically, and followed the check out process as it was presented to me. Here I will note that when I received the credit card in the mail, the letter on which the card was attached also advertised this promotion if you made a purchase online or in store ( and a number of other stores that are owned by the same Corporation as XXXX XXXX ). I recently received my second statement from Commenity Capital Bank ( the card issuer ), and realized that I have been charge interest in the amount of {$12.00}. I called them on X/XX/2017 and was told that the store should have indicated that I wanted to use one of the promotions. I explained that I had made the purchase online and there was no option on the check out process to select a promotion. The person I spoke to said that there was. I checked at that time, and there is not an option. After several conversations, I was told the only resolution I have to file an official dispute with the credit card company to try and recoup my money and to be transferred to a promotional program. I am still working with the company to get this resolved. My complaint is in the advertising that Commenity Bank and XXXX XXXX use on their website and various other platforms that states you may participate in a promotional APR when you make a purchase ONLINE and in store. It became clear that they had no way of honoring a promotional balance if you make a purchase online, and automatically charge you interest. I do not know yet whether or not they will refund my interest charges and transfer me to a promotional program, I have to wait up to 60 days and continue to pay interest until they make a decision. My issue is with advertising and not honoring a promotion. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We worked out a loan modification which took six years and the bank refuses to remove what they call late payments. Payments were not made because of a dispute with the bank. Once we signed the new agreement we made our payments timely. The bank refused to lower my interest rate and because they refuse to remove what they called late payments I can not refinance with someone else to lower the rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
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:
My credit damage occurred because of beyond my control.one example is the default had happened the contract enter between me and my school, broken by the school.This without investigation the school and education made me in default.I have no money to take this matter to court. 
will review my case please. 
The second issue I have is with XXXX.They charged me high interested rate. Because of this I had paid high down payment and my trade and XXXX years loan for used car. 
will you review my contract with XXXX. 
Thank youl

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 2021-12-29
Company: EQUIFAX, INC.
State: FL
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 : I sold my home at XXXX XXXX address of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX as reflected on the executed XXXX Title and Trust Master Statement attached. 

XXXX : Per the attached XXXX statement provided by XXXX XXXX, I fully paid the XXXX " End of Month Balance '' of " {$230.00} " paying a total of " {$250.00} " to bring the balance to {$0.00}. 

XXXX : It also shows that I cancelled the service - see " CANCELLED - ELECTRIC SERVICE '' and paid a total of " {$250.00} " to bring the account balance to " {$0.00} '' Per the fully executed XXXX Title and Trust Master Statement, this service address was no longer my responsibility as XXXX - and I made sure to fully pay the " End of Month Balance '' of " {$230.00} " paying a total of " {$250.00} " to bring the account balance to " {$0.00} ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
EST contact was around XX/XX/2018, I would be short on money. I had mad arrangements for Huntington Bank to take 3 payment directly out of my checking account, for 3 months. It was from opening a bank account, and I had not put money into the account. So they fined me XXXX Now today I get a letter from a collection agency XXXX XXXX XXXX a collection company. I'm trying to fix my credit due to another company 's negligence, now I've paid this bank and their trying to collect again, worse yet reported to a collection agency further ruining my credit. I want it removed, since their trying to FRAUDULENTLY SCAM ME AND REPORT TO A CREDIT COLLECTION AGENCY, I WANT MONEY TO COMPENSATE THIS DISTRESS, AND I WANT TO PRESS CHARGES ON HUNTINGTON BANK FOR FRAUDULENTLY TRYING TO COLLECT AGAIN WITHOUT PRIOR NOTIFICATION, AND REPORTING THIS TO A COLLECTION AGENCY. HOW DARE THEM. 

Credit Services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I disputed an ( XXXX XXXX ) account on my credit report. Initially, it was deleted, but Transunion keep re-installing the debt. This has been going on for the past few months. I keep disputing, they keep deleting and re-installing. This cant be legal, once an item gets deleted it should stay deleted. This is constantly hurting my credit score every time they add new negative items to my credit report. Please help me with this matter. I have attached proof showing that the account was deleted and re-installed. The most recent date is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: Self Financial Inc.
State: GA
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:
Self Lead Bank Shows derogatory on XXXX and XXXX as a repossession/foreclosure and Current on XXXX never late. I have spoken to the company and disputed and they verified it and said it was valid. However, the information is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Between XXXX/XXXX/15 and XXXX/XXXX/15 I have had XXXX hard inquiries appear on my Transunion credit report. XXXX inquiries through XXXX, XXXX through XXXX and XXXX through XXXX XXXX XXXX. All of these inquiries were an attempt to get credit cards with my identifying information. I have put a credit freeze on my information and credit alerts through Transunion. I also received a letter from XXXX indicating that XXXX hard inquiries were made to my credit report by XXXX. XXXX reported that they have been hacked. I want all of these hard credit inquiries taken off my credit report due to the fact that I have never applied to these companies for credit cards or other services. These hard inquires are causing by credit scores to go down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: ID Analytics, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On 2 separate occasions I attempted to place a freeze on my report from Sage Stream. Once online and sent verification documents including a copy of my XXXX and current lease. The second attempt was by phone with an agent who verified my identity and then confirmed my report had been frozen. All of this occurred in XXXX and XXXX of this year but as of XX/XX/2021 XXXX XXXX is still providing information to potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am writing abo ut Navient (   XXXX   XXXX   ) . I cosigned  XXXX  loans - the first in  XXXX   XXXX  and the second in  XXXX   XXXX . The first had an interest rate of 12.25 % and the second had a rate of about 10.5 %. The total principal borrowed is {$16000.00}.   Based on the payment plan given by Navient, the first loan was supposed to be paid off in  XXXX   XXXX . To date I have paid over {$12000.00} yet Navient says we owe {$16000.00}!!!! This does not seem right. Where are all the payments going? After all these year the loan balance is even higher!! How?   The loan history report does not show the remaining balances after each payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have repeatedly been denied access to my free annual credit report by Trans Union. Several calls to multiple Trans Union customer service help lines have not fixed this issue. Trans Union claims that they do not have a record of me when I attempt to obtain my free credit report, both through XXXX and Trans Union 's own website. However, Trans Union is willing to provide me with a credit report and credit score if I submit a payment of {$12.00}. Neither my name nor social security number have ever changed, and my address has remained the same for more than three years, minimum. I received my free annual credit reports from both XXXX and XXXX without incident. My XXXX XXXX credit card account is able to access some aspects of my Trans Union credit report, which indicates that Trans Union has erroneous information about my credit history that is having a detrimental effect on my credit score and status, resulting in financial damages incurred by myself. I need to correct this erroneous information, but I can not do so without a full record of my credit report. I have tried repeatedly to fix this issue with Trans Union over the phone. I have taken all actions requested and correctly answered all questions asked of me. However, Trans Union has refused, either through maliciousness or though incompetence, to provide me with my free annual credit report as required by federal law. I ask that the Bureau of Consumer Financial Protection intervene to both correct this issue on my behalf and to also secure the payment of compensatory and punitive funds from Trans Union as allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an apparent personal loan on my report that is not mine. 
XXXX XXXX {$3600.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation