BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
TO CFPB : THIS IS MY THIRD ATTEMPT TO HAVE CFPB DO SOMETHING BESIDES ACCEPTING THE SAME CANNED RESPONSE FROM B OF A. ALLOWING THEM TO CUT/PASTE THE SAME RESPONSE AND THEN CLOSING THE CASE PERMITTING THEM TO HAVE THE FINAL SAY IS UNACCEPTABLE AND DOES NOT DEMONSTRATE THE CFPB MISSION TO " PROTECT CONSUMERS. '' Here are my queries to their response that claims I failed to finish a process - which is totally inaccurate, and they know it. 

1 ) I do understand that because my former spouse declared bankruptcy, that his actions don't relieve the debt we incurred jointly. That is why I was asking about modifying it, so please don't include in the response this bit of information as I understand this. What blew my mind was that B of A was essentially telling me that the debt was erased due to his actions which was crazy talk, but those were the types of responses I got when trying to reconcile this debt. 

2 ) I NEVER got the XXXX Pre-Foreclosure Notice. Please demonstrate proof that this was received by me. You don't have proof as it never happened. 

3 ) Your records about my XXXX home retention attempt are totally false. I was trying to modify my loan, as evidenced by the attached, and you'll see your reps response that reads " I'm not ignoring you XXXX. Just real busy. .... '' and I was never able to get back on board to get anyone to help me with my 2nd mortgage until I got the Notice of Default years later. You'll also note whereas I asked about modifying my 2nd mortgage wayyyy back in XXXX when I began my first mortgage modification. Why on earth would a reasonable person go through the entire process to modify their 1st mortgage and then just blow off modifying the 2nd mortgage? Please explain a logical reason why anyone would do this - nope, no logic there. 

4 ) YOU SHOW ME where I acknowledged that I was not interested in modifying my 2nd mortgage prior to the NOD being filed. You have no proof because it NEVER happened. 

I will continue to file complaints and eventually consult an attorney, but please don't respond with the same erroneous summary that you are using to substantiate your position. B of A was simply ill equipped to handle the modification of the 2nd mortgage which is not my fault. So I'm asking for some relief of the fees and interest charged during that timeframe.

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 2023-08-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is to all 3 credit bureaus ( XXXX XXXX, XXXX, Equifax ) XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. I have demanded that these items be removed/deleted from my credit report.15 U.S. Code 1681 - Congressional Findings and Statement of Purpose.15 U.S. Code 1681e - Compliance procedures a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Based on your company feedback : " XXXX XXXX XXXX XXXX is in receipt of the consumer 's complaint. According to our records, we previously mailed itemized bills to the consumer in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, our company has ceased all communications per the consumer 's request as of XX/XX/XXXX. Unfortunately, NRA Group LLC is unable to open the consumer 's attachments due to the nature of the files. '' You are in fact now knowingly and willfully in violation. Pursuant to 15 USC 1693n-Criminal Liability : ( a ) Violations respecting giving of false or inaccurate information, failure to provide information, and failure to comply with provisions of this subchapter Whoever knowingly and willfully ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose by this subchapter or any regulation issued thereunder; or ( 2 ) otherwise fails to comply with any provision of this subchapter ; shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

On XX/XX/XXXX, National Recovery Agency removed 3 accounts from my XXXX and XXXX. They failed to removed account from my XXXX. After months of requesting validation, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent an affidavit of Truth! They were not able to provide such validation, Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 30 days is given to investigate or respond to said request for debt validation. I did not receive validation, but accounts were removed from XXXX and XXXX only, after several attempts of requesting.

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 2023-10-17
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My current student loan servicer is MOHELA. I received an email from MOHELA on XX/XX/2023 that instructed me to call in to discuss available options to bring my account current. Since that time I have called MOHELA several times, including 3 times on XX/XX/2023 and once on XX/XX/2023. Between these phone calls I have been placed on hold for over XXXX hours and each call resulted in the line being disconnected rather speaking to a representative. Their automated phone service says that I can arrange to get a call back rather than waiting on the line, but I tried this several times and never received a call back. I also tried to call MOHELA earlier than that, on XX/XX/2023, which was not successful after I was told the hold wait time would be over XXXX hours. I find this to be an outrageous use of my time. I work full time and the time I can not afford to be on hold for over XXXX hours. It was MOHELA who instructed me to call them, and yet they do not appear to answer phone calls. They also provide no email address for communications. They are telling me they are sending debt collectors but I have had no opportunity to speak with someone about my issue ( which, on a separate note, appears to be that the payment was sent to the wrong account )

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 2022-04-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX XXXX is a victim of identity theft I contacted National credit systems on XXXX to notify them that I was a victim of identity theft & fraud and they stated I need to send in a police report and theft affidavit which I did the same day XXXX I sent a certified letter XXXX demanding them to remove the said fraudulent accounts from their records and report to the credit report agencies that the said account was fraudulent and need to be removed XXXX XXXX that was handling my account which is the employee of National credit systems stated to me she did indeed receive it and assured me she will get it took care of give me 30 days to investigate I have sent over 70 emails because nothing was done here we are XX/XX/2022 my credit report is still showing negative and the fraudulent account is still there so now Im taking legal action to suit national credit systems for reporting fraudulent inaccurate information the suit will be in affect XX/XX/2022 which they are in violation according to FTC AND THE FAIR CREDIT REPORTING ACT SECTION 605 B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: MO
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:
Please remove the following account, im not responsible for this account nor do i know why or who added me to this account. I'm asking for the credit reporting agencies to remove this account. 

1. XXXX Card Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2nd attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on 2 occasions to have an investigation of items that are reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as TRANSUNION is using a stall tactic claiming that I was using a 3rd party to submit these requests and that additional authorization was needed. I am reopening my case offering my statement as proof that no 3rd party existed in submitting my disputes. I've recently received notification from this credit reporting agency that the inaccurate information that continues to report has been verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed.

I immediately demand that the entries that I have disputed are permanently deleted from my credit file as they are reporting incorrectly. Should TRANSUNION refuse to do so, I have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.

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 2023-01-01
Company: EQUIFAX, INC.
State: MI
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:
I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Equifax detailing the fraudulent accounts ( XXXX ending in XXXX & XXXX ending in XXXX ) that are reporting in error in my credit report. I referenced the Fair Credit Reporting Act Section 605B in my correspondence to Equifax and requested that the fraudulent accounts be blocked pursuant to federal law. Equifax did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Equifax continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Equifax continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX ending in XXXX & XXXX ending in XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EXPERIAN 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
Consumer complaint received 2018-03-06
Company: Consumer Portfolio Services, Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am trying to understand the interest rate associated with my car loan. I purchased the car in XXXX, it's a " fee simple '' loan. The interest rate is something like 19 % - 21 % I can't remember off the top of my head. The purchase price was XXXX. I still owe over 15,000 on the car and it's been 6 years. I live in Oklahoma and purchased the car here. The car lot shortly went out of business after I bought it but they financed it with a company in California called CPS " Consumer Portfolio Services ''. This company was involved in a lawsuit in the past due to their loan and collection practices. 

I have done 3 extension agreements : - XX/XX/XXXX - XX/XX/XXXX ( included this one so you can see the verbiage ) - XX/XX/XXXX Also, I had gotten a couple payments behind with each extension. The documents state that the late charges for the payments included in the extension are supposed to be removed but they are still on the account. 

I included XX/XX/XXXX 's extension agreement as an attachment as I had the electronic copy saved to my PC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX/XXXX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX SPACE COAST CREDIT UNION XX/XX/XXXX EXETER FINACE LLC/WCG XX/XX/XXXX TBOM/ATLS/ASPIRE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX VERVENT/TBOM XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX LEASE & RENTAL XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SERVICES XX/XX/XXXX NOWCOM/WESTLAKE FINANCIA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Riverwalk Financial Corporation
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was a joint loan with my daughter, who told me years ago that this account was legally paid for less than full balance. in fact, she assures me the account was first reported as a {$0.00} balance, then the following month, completely deleted from her reports! Yet they still claim to be trying to collect a debt from me! They've called my office despite me begging them not to, and when I disputed the account to the address listed on my XXXX   report, the mail was returned to me. They have caused me an amazing amount of emotional hardship, I've nearly lost my job for taking " personal '' phone calls that were in fact Deville Asset, and now they keep bothering me DURING A NATIONAL PANDEMIC!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my credit recently and saw charges from Navy Federal. I called the police they instructed me to file a report with them, then go to FTC.gov and file a identity theft report. I filed the report has instructed by the police. After I filed the report it was taken off my credit then I started receiving letters saying they investigated and reviewed its me. The address that was stated where the card was applied for was a address in have never gotten mail from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
i applied for an increase to my home equity. I was told that the title company provided a list of XXXX violations and i must show satisfaction to these XXXX violations in order to proceed with the closing. i pointed out to the bank that the XXXX violations is not a property that i live at, not a property that i own. In addition, i was told by an attorney that if my loan request and if my home is under XXXX XXXX, they can not deny my request due to XXXX violations in the name of a trust. This is not allowed to impact my own home to which i am applying for a line of credit. My own home is not owned BY XXXX XXXX XXXX XXXX see attached. Can you please intercede on my behalf to get my request granted? thank you. 
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 2020-09-25
Company: Adelante, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I currently have a medical collection debt being reported on my credit report from XXXX  XXXX XXXX XXXX dated from XX/XX/2019. Ive tried unsuccessfully to resolve this matter through XXXX  XXXX but to avail. I havent been to XXXX  XXXX at all for any type of medical treatment. Now Im being penalized for someone representing themselves as XXXX XXXX, receiving medical care. I was told the services provided were a XXXX test. I XXXX XXXX had a total XXXX  5 yrs ago I wouldnt need a XXXX test administered for any reason. Nor, would I have a reason to visit XXXX  XXXX. They cant even provide me with identification that was used representing themselves as me ( 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 2023-02-17
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a HELOC - Home Equity Line of Credit from TD Bank for {$41000.00}. I applied for XXXX relief to stop payments without fees and/or penalty. After the XXXX period expired I received a loan modification that reflected a balance of approximately {$47000.00} and a new interest rate of 9.5 %. I was completed taken aback by this excess fees, interest rate and penalties. I have requested that TD Bank honor the original interest rate and remove all additional, interest, fees, and penalties. It took TD bank to finally approve the loan modification after over a year of going back and forth about processes and supporting documents, in which I sent several times before TD Bank acknowledged receiving them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am looking at buying a home and my mortgage broker needed me to unfreeze my credit with Experian to pull my credit report. Experian requires you to create a membership account in order to do that. I signed up, read the privacy policy and shared a ton of personnel information with Experian to include my cell phone, SSN, address, etc. Since the report was pulled, I have been contacted by several different companies, unsolicited, on my cell phone. I never gave Experian permission to use my information and now I am extremely concerned about my SSN and otherwise being shared without my knowledge or permission. I contact Experian immediately and requested my membership and all information be deleted. I am still getting calls. When I called Experian, the call center agent explicitly told me they do not share information, which seems to be a lie.

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