BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I previously filed a complaint with the Florida Attorney General 's office in XXXX of this year against my mortgage servicing company Wells Fargo for incorrect negative credit reporting. They agreed ( in writing ) as well as advised the FL AG office they would do so as I have been attempting to get them to do the right thing by me since Hurricane Irma when they began a campaign to steal my homesteaded property from me. ( Which is actually the second time they have pulled stunts and tried to steal my home ) I have filed a lawsuit against them which is currently in US Federal Court at this time. I am seeking damages from them for the negative credit reporting, as well as many other violations and negative actions they have used to attack me for the past 2 years. 

Despite all of this, they believe they are above the law ( their Attorney actually claimed in a pleading that they are National Bank and therefor are allowed to violate anti-fleecing laws ).  However, they are not a bank- in this capacity they are acting as a mortgage servicer, which does not give them the right to price gouge or otherwise engage in attempting to steal hurricane victims ' homesteaded property. 

Additionally, due to their actions of reporting false negative credit information I have been negatively affected in my day-to-day life. I am paying more for insurance that I should be and just lost the opportunity for a new job. 

Please make them keep their word to both me as the consumer and to the FL AG office to suppress any and all negative credit reporting until my court case is 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 explanation
Consumer complaint received 2017-06-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have Navient loans that started out at {$12000.00} and are now close to {$18000.00}. Navient had set me up for forbearances but when those were no longer available they put me on a reasonable income-based payback plan. That worked until the payments doubled which put me back into the same situation where I started. This has gone on since Navient took over these loans. By the way, these loans are from   XXXX   when I went to the   XXXX   XXXX   XXXX   XXXX . They have probably been paid off many times over!  <P/> I have been trying to work with them but the situation has become unbearable. They call me constantly and harass me and now they are calling family members. This last time that they contacted me was the final straw. They assume things about me that are n't factual. I 've never been demeaned and harassed like this! They give no viable solutions and show total disrespect.  <P/> I 've been working as a  XXXX  for the past 9 years. I 'm divorced, have a  XXXX  y ear old d aughter and have downsized to a small co-op so that I can pay my bills. I was diagnosed with  XXXX   XXXX    XXXX     XXXX   XXXX  which has again changed my luck. Those bills have become my newest battle with finances. This final call on Friday showed me that I would never get help from Navient. They assumed I owned a {$30000.00} car and kept throwing that in my face ( even though I tried to tell them that I have a  XXXX   XXXX  that was the only thing I could afford with the lean that was on my other vehicle ). They told me I should charge my daughter rent and that I ate way too much! Right after this confrontation they started calling family members. How are they getting these phone numbers? It 's humiliating.  <P/> With my  XXXX  diagnosis and treatment plan, it is important that I cut out as much stress as possible. My first call this morning woke me up and of course it was Navient. I ca n't do more than I already am. I 've taken on a couple cohorts this summer to supplement my salary but that will only be a temporary band-aid. I 'm at a total loss.  <P/> Please help me with this situation. I appreciate anything you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-11
Company: Dynamic Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 at XXXX, I was contacted by Dynamic Recovery Solutions from the number XXXX. 
I could not understand the representative when she stated the company name because she was speaking so fast and asked her to repeat the name. This happened two or three times before I told her I was hanging up because of her attitude. She wanted me to verify my name without knowing the company name and was rude and talking quickly. It felt like a deceptive tactic. 
I just went through my call history for the last two months and found four different numbers that have called and all four are Dynamic Recovery Solutions. 
The calls are as follows- The number mentioned above XXXX has called three times. 
XX/XX/XXXX at XXXX for the 47second call where the woman wouldn't speak slower. 
XX/XX/XXXX at XXXX for a 5second call where I said " hello '' and noone said anything. 
Calls from the same number on XX/XX/XXXX XXXX and XX/XX/XXXX at XXXX were not answered because the number isnt saved into my phone. 

Dynamic has been calling and when I answer, noone says anything. It is dead silence and I hang up thinking its a spam call until I realized today that its been DYNAMIC calling from multiple numbers. 

The earliest calls on my log are from the number XXXX. 
XX/XX/XXXX XXXX. I didnt answer. 
XX/XX/XXXX XXXX. I didn't answer. 
XX/XX/XXXX XXXX. 8seconds- silence. 
XX/XX/XXXX XXXX. 6seconds- silence. 
XX/XX/XXXX XXXX. I didnt answer. 

XX/XX/XXXX XXXX I called the number back and discovered that it is Dynamic Recovery Solutions. I asked to be transfered to a supervisor and the representative stated she couldn't do that without getting my information. I told her that yes she can do that and to transfer me. The supervisor got on the line and I gave him my first and last name and told him that the first gal to contact me was rude and spoke too fast and that I have MULTIPLE calls from representatives or whoever calling and not saying anything when I answer. I advised him of harrassment and told him not to contact me. 

The other number that I have for Dynamic is XXXX XX/XX/XXXX. XXXX. 17 seconds XX/XX/XXXX. XXXX. 14 seconds XX/XX/XXXX. XXXX. I did not answer I don't recall if I got a reply from anyone when I answered these calls or not. I think I did and hung up when they stated they were Dynamic Recovery Solutions but I'm not sure. 

The last number is XXXX XX/XX/XXXX. XXXX. 10sec XX/XX/XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. 6 sec. 
I'm pretty sure these three were three more calls where noone said anything when I answered the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a FRAUDULENT claim with Bank Of America in XXXX  Over a year ago. I was scammed out of $ XXXX. Because I never received a edd prepaid bank of america card before, so All transactions made were not me an I was sent a new card apparently, However I still never received an they sent a new one, But there were no funds on it. 

I've been calling an complaining on this same dispute ( claim # : XXXX ) for over XXXX YEAR, as well as sent proof of transactions IN DIFFERENT STATES WITHIN DAYS AN SOMETIMES HOURS OF EACHOTHER an I still havent been told of a final determination to the investigation NOR have I received any provisional credit or my money returned. Ive been evicted, Lost my cell phone due to non payment, Lost my car, Ect ..... I NEED MY MONEY. Bank Of America is in NO rush to resolve or credit me what is owed.

ALSO : I WAS WOLD COMPLAINTS WERE FILED BY BOA PREPAID CUSTOMER SUPPORT, BUT WHEN I CALLED THE NEXT DAY AN ASKED, THE NEXT EMPLOYEE SAID THEY WERE NOT IN THE NOTES ON MUTIPLE OCASSIONS. ( IVE ONLY BEEN ISSUED XXXX $ OF CREDIT ADJUSTMENT THUS FAR ) transactions XXXX ( Arizona, Texas, Florida, utah ) ALL PLACES I NEVER BEEN. file attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: MA
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 contacted Experian about the following negative accounts 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 Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

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 2023-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery refuse to update account with XXXX credit bureau even though they promise to remove a debt I did not have with them. I was never shown a validation letter. I paid and settled account with portfolio recovery because they were purposely reporting incorrect information as far as debt owed. Portfolio recovery continues to submit inaccurate information not updating the letter of settlement although they are not original debt. The have been stalking my account since XXXX with no permission because my credit profile was locked. When I complained they deleted inquiries dating back to XXXX to cover the paper trail. XXXX XXXX knowingly took a settlement amount from me when I was already deleted on XXXX and XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
First Disputed this debt on XX/XX/XXXX with all XXXX credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Midland Credit Management ( Also known as Midland Funding LLC ) has been reporting on my credit and fails to provide proof of my obligation to this alleged debt which has been requested two times already. They have sent me a a spreadsheet with an account # and balances dating back to XX/XX/XXXX.To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see signed contracts saying that I am liable for this debt and that Midland has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Midland Credit Management they state " In response to your dispute, we have requested that the XXXX major credit bureaus change the status of this account to " disputed '' Your credit report will not be updated if the federal reporting period has expired. '' Is this a threat from Midland Credit Management to keep this negative information on my credit for as long as they would like??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/21 - I am a long time customer with Bank of America. I have used them for my first mortgage and tried to use them for other mortgages as I have purchased new property. The lending process is always different. For example one will give a pre qual letter without running credit but other times its now required. I have a friends in the past month where this was not required but it was asked of me. I also noticed the apr I was quoted verbally was much higher then the website and my friend who has a similar credit score and debt. The only difference is our nationality. I find that the lending process and loan officers are not fair or equitable when quoting rates, apr or in the process. Regardless of credit the rates are always much higher and I am charged more for services with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these inquiries and I have asked to have them removed but the bureau havent removed them like Ive asked. I am providing a copy of identity theft report so the inaccuracies that arent mine can be removed. Attaching 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 2023-08-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing an account with XXXXXXXX XXXX/resurgent for almost 4 years now. 
They are reporting a past due amount on a closed accounting {$1300.00}. 
There are three different dates of last activity.

And I also have a paid in full statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
After purchasing the morgage, I filed for divorce in  XXXX . In  XXXX  of  XXXX , the finalized court papers stated that the husband was to be reliable for the property and that the wifes name was to be removed in  XXXX . The husband then turned in the court papers to   XXXX   XXXX   XXXX    w here the account originated from and the wife signed a quick claim deed. Every since then, i have had all non payments on my credit report since causing myself to not get approved for anything. Its been 8 years! I called a couple months ago and was told that i would need to take it up with the court and hire an attorney to get it off my credit. All documents were turned in and verified on the phone that they received them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$210.00} ; XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief