BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-16
Company: Pinnacle Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
pinnacle credit services has for the last several years reported a debt on my credit report which is inaccurate. the amount they show owed and date of services are only XXXX of the disputes I have made XXXX times last year and once this year and it is still being reported as accurate. upon calling them after the results of this years dispute I was told that pinnacle credit services does not speak to clients about their debt but, so it can be handled responsibly, but they would give it to someone else while they still are reporting it on my credit report, which in and of itself causes an inaccuracy on the credit report which would equate to it having to be removed or updated due that. upon asking for a supervisor on several phone calls from myself to pinnacle credit bureau, I was told they speak to nobody and my request to speak to someone from pinnacle management would be denied and upon forcing the issue as I am entitled to under the law I was hung up on by pinnacle credit service this year alone no less than XXXX times for demanding to speak to XXXX of their supervisors as to their conduct as it relates to the fair credit reporting act and its inaccuracies on my credit profile. They also attempted to give me XXXX different phone numbers to call in relation to XXXX showing of pinnacle credit service on my credit profile and could not even verify if any of these numbers had to do with the original creditor, XXXX wireless, which shows on my credit report. I allowed them to forward me to a convergent outsourcing whom told me they could not speak to me either as this situation as they put it is in " cyber limbo '' and nobody can speak to me because it is out of their hands and supposedly back in the hands of pinnacle credit service who show on my credit profile but absolutely refuse to speak to me about their name on my credit report. I informed them I was going to the FTC website and making a formal complaint in regards to this as it has affected my ability to obtain credit and it is inaccurate on many levels. Pinnacle Credit Services are a fraudulent company with many complaints for the same thing I am coming here about and when a phone call is made to them an automated message is given stating they will refuse to speak to anyone even though they are reporting things on peoples credit reports. This constitutes fraud and clear blatant violations of the FCRA and any and all measures must be taken to enforce the law and assist people like me who have legitimate disputes where these agencies care little to nothing and refuse to speak to anyone to fix situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX CFPB # account XXXX Date XXXX/XXXX/XXXX Dear TransUnion Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. PLEASE PROVIDE THE PROOF AS REQUIRED BY LAW. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Banking 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 Miscellaneous And Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, 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 2017-03-08
Company: Navient Solutions, LLC.
State: PA
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:
I 'm a XXXX and XXXX. 
My student loan has been sold several times, most recently to Navient. The original amount borrowed was XXXX dollars. 
I graduated in XX/XX/2006 and have been paying XXXX per month since, without fail, and my balance is XXXX even though I 've paid XXXX already. 
When I questioned them I was told that my payments was only being applied to the interest which was compounded daily, but now a portion would be applied towards the principal too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: CA
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 have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's experian XXXX and XXXX  ( XXXX ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( EXPERIAN ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from 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 2015-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First I want to say that I was XXXX months behind on my mortgage payment and am in the process of getting caught up. Bank of America started doing the following : To my surprise I received in the mail a XXXX package that I was approved for a loan modification. ( I never applied for one ) When I called the bank they informed me the investor ( XXXX XXXX ) offered me a loan modification that it did n't come from them that they only service the loan. The loan modification stated the rate would be the same but they would stretch the loan out XXXX years and XXXX months and they would now escrow the account. ( Presently I only have XXXX years and XXXX months to pay and for the past XXXX years I have been paying my own insurance and taxes on the installment plan ) I declined the offer and specifically spoke to a customer rep named XXXX at Bank of America. 
Then I get another letter stating my mortgage payment was going up XXXX plus dollars to include my escrow. I called the bank again and was told to protect their interest and XXXX XXXX they were going to do escrow. They called my insurance company and told them they would be doing the payments. I stated again that I never consented or signed any papers for any loan modification and my insurance and taxes were all paid up. They went ahead and requested payment from XXXX XXXX XXXX that was already paid and XXXX sent them {$260.00} which was paid a XXXX time. Then they contacted XXXX XXXX a company that is taking over XXXX XXXX accounts and requested {$1000.00} wind insurance which is not due until the contract runs out with XXXX on XXXX XXXX. XXXX goes ahead before the due date requesting payment and Bank of America sends them a check of {$1000.00} on XXXX XXXX, 2015. Then they added all of this supposedly escrow which was not in place for the past XXXX years and are adding it to my mortgage payment. This will surely push me over the edge when I am trying to get caught up. They already threatened me with foreclosure and have been adding on late fees and inspection fees until I get caught up. 
In summary I never applied or signed for any loan modification. Ask them to prove this and they will be unable to unless they forge my signature. They started this escrow when everything was paid. They plan to do this with my taxes next which also is paid to date. The contract with XXXX was not to start until XXXX XXXX when XXXX XXXX expired and Bank of America sent XXXX XXXX {$1000.00} in XXXX from my supposedly escrow account which I never had in XXXX years adding it to my mortgage payment when all was paid until XXXX XXXX, 2015. Bank of America has created a total mess of my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage servicer ( Bank of America ) approved me for a loan modification and a small error was made on the signature page of the permanent loan modification documents. BOA erroneously sent correspondence to another XXXX of their customers in another state XXXX XXXX & I never received any information that my documents had errors. Subsequently, I was never informed that my permanent modification was never processed. I was under the impression that everything was completed, as per my Customer Relationship Manager had told me numerous times throughout the entire process, as well as several other BOA representatives. I continued to make all of my payments for a year until my loan suddenly entered foreclosure. I spoke to over XXXX different representatives who told me that my loan was approved, that this was a clerical error, and to disregard the issue. I am now in pro se litigation to defend this issue, my credit, and try to save my home, that should have never have gotten this far. I have made all of my payments, and have only missed XXXX since the origination of my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, 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 letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance {$2.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows I never missed a payment. Please update it immediately. 

XXXX XXXX Balance {$400.00} The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: OK
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:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank Of America received my Impounds bill on XX/XX/XXXX, and held onto the money in my account because they were not delinquent till XX/XX/XXXX - I sold the loan, and closed escrow on XX/XX/XXXX, they mailed me the balance in my impound account but failed to tell me they did n't pay my impounds, nor did I received a due bill from county accesor 's office until today, showing a late fee of {$160.00}. Bank of America claims they tried to pay it on XX/XX/XXXX and it was rejected ( Who pays your taxes once the loan 's been paid off -They should of paid it once it came due? ), then they said they mailed me a notification of what was paid off on XX/XX/XXXX - I never received anything, ( Taxes were delinquent after XXXX? ) I 've called twice today-XX/XX/2017, and spoke with Supervisor, XXXX, and another associate XXXX after waiting over 39minutes on the phone they refuse to pay the late fee 's saying the account is closed, and it was my responsibility- I have no problems paying my bills if I know they 're due, but since my bill was due XX/XX/XXXX and escrow did n't close till XXXX - I was under the impression they paid the bill they received for me. Ridiculous.

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 2016-02-19
Company: CL Holdings LLC
State: MS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX University under the XXXX XXXX umbrella sent me to collections for a debt of {$14000.00}. The school was later sued by your institution forcing them to shut down and sale all of their locations. The collection agency named Jefferson Capital System LLC is trying to collect a large sum of money for a school that lied not only to me but on me. XXXX University attempted to get me to take out a loan from XXXX for {$4700.00} at a 9.9 % interest rate to pay for one quarter. One of their representatives later told me I should take out a genesis loan for the amount of {$11000.00} which would cover the rest of the semester. I refused and explained to them I did n't have the money to pay for a loan. XXXX University locked me out of my online classes and school assigned email accounts. I do n't owe for classes I did not take nor did I finish school. They sent me to collection for not taking out a loan which is something I do not understand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I received a copy of my credit report and found the following item ( XXXX ) to be in error, also the below are against to the law FCRA

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 2020-03-11
Company: EQUIFAX, INC.
State: TX
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:
Although I have shown Equifax proof that XXXX  was unable to validate the XXXX balance, they continue to report this false damaging and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America has lost a transaction I made around XXXX/XXXX/2014. The transaction amount was for {$3000.00} loan made to another party. The parties name is XXXX XXXX XXXX XXXX account number XXXX his bank is XXXX XXXX. According to Bank of America this transaction never took place. I would like for Bank of America to tell how come my account mysteriously lost {$3000.00} around that time frame.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was going to be in the Pharmacy program so I applied for a private loan while attending XXXX XXXX University XXXX a private school ) in XXXX, FL. I came under hardship with my family, I had to leave the school and attend something more affordable, a state school. That one year at XXXX has caused me my largest debt of over XXXX dollars. I was paying on my school loan faithfully for many years, but the balance has not gone down because the interest rate is extremely high and I feel like I am suffocating. My family hardship is still continuing because of my mother 's declining health. Due to this I have to live with her and contribute the majority of my income to the household. I had to stop paying on the student loan because I just could n't afford it. I had called many times prior to ask if there was a way to decrease the interest rate or get some type of forgiveness because I work for XXXX, I was n't sure if there were any programs out there for me. I was rejected multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has a freeze on my credit and I am trying to refinance my home. This will save me thousands of dollars. They are requesting that I mail to a PO Box my SSN, and other personal documents to unfreeze. I have called numerous phone numbers and can not speak to a human. I am in a position to better myself financial but can not reach anyone! Please provide information to myself so that I can fix this ASAP. This is very time sensative.

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 2017-05-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
lvnv funding has  a $  XXXX  open  collect on account  XXXX  on my   XXXX   credit report at  XXXX   XXXX  account.Open  XXXX  2015.This account was original own by  XXXX  who put it in discharge.I understood I had a right to put it in a  XXXX  with th e IRS.lvnv fu nding, did not take me to court did not get a lien on my property, just jumped on my credit, that 's not legal, my debt is paid  for.this compa ny is trying to still my account and make me pay for it again. open  XXXX /2015.when ever I ask for proof of account this company will not answer, because this company do not own this account.can I get some help from the federal trade commission

Company response to consumer: Closed with explanation