BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
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 on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 


According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution should share my information with a third party.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me from when they receive dispute information.

These are clear violations of my federally protected consumer rights.

They violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our Bank of America account XXXX reported a charged-off balance owed of {$4700.00}. After numerous attempts to have this removed legally, we decided to pay the reported balance owed. On XXXX/XXXX/2016 we received confirmation # XXXX from Bank of America for payment of debt. I havre also retrieved the cashed check showing the debt paid on XXXX/XXXX/2016. However, the XXXX credit bureaus of XXXX, XXXX, and XXXX are not reporting this account correctly. The account should be reported as {$0.00} balance PAID IN FULL account closed. However, for example, XXXX will no longer allow me to dispute this account because of past attempts to resolve it. This is in direct violation of my rights as a consumer and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ). The account needs to be reported correctly by all three reporting agencies so that I can move forward with my life now that this 6 year issue with Bank of America has finally been resolved.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: MS
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:
The first thing I want to address is that my Social Security number belongs to me. You do not have the right to put a freeze on it unless requested by myself, this is an unethical way to obtain business. The second, the mortgage, that is on my account, the debt does not belong to me, my ex-husband bought me out of the house, legally bought me out. This debt is legally not mine. My brother is a attorney and this has caused me monumental problems. I need this off immediately, or you will receive a court order.

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 2016-07-26
Company: Navient Solutions, LLC.
State: NY
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:
I applied for an Income Driven Payment option in order to drop my monthly payment from {$250.00} a month. I submitted the proper online form and aloud them to acquire my income tax information through the IRS to go into processing. I discovered that they based my payment on only my income and household and based on their algorithm they increased my payment to {$260.00}. I am currently trying to save to get a new apartment with my girlfreind, I make {$39000.00} a year and by XXXX XXXX standards that is right on the poverty line. I find it unfair they only considered the variables that I was a single male with no dependents to base my monthly payment without even considering the double city tax I have to pay, the {$900.00} a month in rent and I have another loan under XXXX XXXX XXXX that I pay an additional {$100.00} a month on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX  XXXX Balance : {$9800.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX : XXXX XXXX  XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Liability : {$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 2022-05-16
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX : XXXX  XXXX XXXX  XXXX Balance XXXX {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Liability : {$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 2016-05-31
Company: CMK Investments Inc
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan with All Credit lenders in XXXX, Illinois XX/XX/XXXX or XX/XX/2015.They are taking {$50.00} out of bank account every XXXX weeks. The loan was for {$300.00}. I have never received any statements.I have asked to be mailed to me or emailed. The email they gave me to read my statements did n't seem like a legit The account was down to {$190.00} after I complained about the excessive charges. they claimed it was do to a computer glitch. Now the account is back up to {$230.00} the company states I did not come in XX/XX/XXXX or authorize for them to take it out of my bank account in. This is not true. I asked that a manager phone me. I have not received a call. For a {$300.00} dollar loan I feel I have paid over the amount of fees and charges. They harass me for the payment prior to the payment date. However, I can not get cooperation why my loan never seems to be going down. Please help me. All Credit lenders XXXX XXXX XXXX XXXX XXXX XXXX. Thank You in advance.

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2022-05-16
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$3100.00} EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Liability : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015 there is no date of last payment, and the amount owed is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
COLLECTOR INGNORED CEASE AND DESIST AND DON'T CALL ORDERS ... AND NOW IS REPORTING ON CHEXSYSYTEMS, XXXX AND OTHERS IN VIOLATION OD THE DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: MOHELA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received an email saying a previous email I received regarding student debt cancellation approval was an " error ''. I am very confused! Please stop this company from wrecking my life!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports :

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 2015-12-20
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My wife is a XXXX immigrant with permanent legal status, but limited XXXX language skills. Upon moving her small business in XXXX of XXXX she contacted XXXX XXXX for phone and internet services. For sometime she received reasonable bills in the amount of {$50.00} or so per month. Then suddenly, the amount of the bills more than doubled. By that time we had met and married and, as her husband, I made contact with XXXX to inquire. 

I was told that she had contracted for an offer which included discounts which had run out. I found that she supposedly agreed to a business plan with high speed enhanced internet service. Much more than a XXXX person sewing and alteration shop would ever need. I requested that the agreement be cancelled and was told that she would be billed for the discounts and she began to be dunned for amounts over {$1000.00} and up to nearly {$1700.00}. 

When she moved the business again and sought phone and internet service from another provider, XXXX XXXX blocked the transfer of her business phone number. Working with the Illinois XXXX XXXX and the Illinois Attorney General 's office we finally got the number transferred. 

In XXXX of XXXX ( the notice does not have a date of mailing ) we received a notice that the debt had been referred to EOS CCA of XXXX, New York, XXXX. I sent a letter of dispute on XX/XX/XXXX.In the letter I requested a copy of the agreement my wife had signed. XXXX XXXX had at XXXX point told me the contract may have been done over the phone, but they have not produced a tape of the verbal contract either. I was told by a representative of the XXXX that they often heard of complaints with XXXX in which the recorded agreement could not be produced. 

The collection agency nka EOS XXXX, sent a letter dated XXXX XXXX, XXXX in an envelope with a postmark of XXXX XXXX. I received the letter in the mail on XXXX XXXX. 

The letter says " EOS CCA has received your dispute. As part of our reasonable investigation, we have sent our client a request to obtain an itemized bill ... '' It makes no mention of our request for a signed contract. 

I have spent hours on the phone and writing letters in the attempt to bring this matter to a conclusion. I am nearing the point of seeking compensation for my time and the damage done to my wife 's credit and reputation. 

We have copies of correspondence with XXXX XXXX, the XXXX and EOS CCA ( and EOS XXXX ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed against Bank of America refused refund {$900.00} for unfair and deceptive overdraft practices. In addition, I do not satisfy with Monthly service fee {$.00} with unfit Oregon resident records. I do not interest in Bank of America within XXXX resident telling to U.S. Senators!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Good Evening, I 'm XXXX and I am writing in response to the Navient student loan legal concern. I recall being encouraged to take out a forbearance due to my financial situation. During this time I was trying to work to support my XXXX Mother and I, my income was the sole income there was no way I could pay monthly student loan amounts, so I was offered forbearance. I was never told anything about any other options and it was n't until recently that I heard of the income contingency plan. The customer service people at Navient make you feel lower than dirt for not being able to pay your student loan monthly amount. I 've cried in bed multiple times trying to figure out how to satisfy these people to the point of a full scale XXXX XXXX. I 'm not saying I do n't want to pay them, I am saying its impossible at this time and the federal student loan forgiveness plan put forth through President Obama, should be implemented regarding private loans. I 'll never pay off my student loans and money I have struggled to send appears to be pointless for the balance continues to grow, its like trying to walk uphill during a major mud slide you 're going to get buried. Please help myself and others, and thanks for bringing this issue into the spotlight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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 " XXXX XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX 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