BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, Consumer XXXX XXXX XXXX XXXX XXXX XXXX, entered into a consumer credit transaction with Bank of America, N.A. on XX/XX/2021. I went to exercise my federally protected consumer rights and asked Bank of America to validate the debt and cease communication. None of which occurred and now they have reported negatively on my consumer report which prohibits me as the head of my house to provide for my family. They continue to violate my federally protected consumer rights as if they do not exist and even went as far as claiming that they do not fall under FDCPA ( Fair Debt Collection Practice Act ). If that was true I wouldn't have received statements via USPS that said this is an attempt to collect a debt. It is truly sad that they deceive other consumers at such a high degree in an attempt to coerce payment. I will be pursuing litigation for violating my consumer right to privacy and embarrassing me on my consumer report, my reputation, by reporting to the consumer reporting agencies a transaction/experience between myself and Bank of America, N.A. that should have never been furnished in the first place pursuant to 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ).

In good faith I offered Bank of America, N.A. an opportunity to cure for default and they disregarded and in return reported negatively to 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 explanation
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
Under the FCRA, capital One are obligated to provide consumers with a proper validation of the debt upon request. However, the validation process for my account XXXX has raised concerns regarding compliance with the law. I kindly request that you provide me with the specific methods and documentation utilized to validate this debt in accordance with the FCRA. 

To support my claim, I would like to highlight the following points : - The initial request for validation of the debt on account XXXX, which was previously submitted, did not receive a satisfactory response that provided adequate evidence of the debt 's validity. 
- Capital One is required to provide detailed documentation or information verifying the existence and ownership of the debt, including a complete payment history and contracts with my signature. 
- The methods used to validate the debt should adhere to the standards outlined in the FCRA and should include comprehensive and accurate information to establish the legitimacy of the debt. 
- Provide me with the specific methods and documentation used to validate the debt associated with account XXXX, ensuring compliance with the FCRA. 
- Cease the transfer of my private information to any third-party collection agency without my explicit consent. 
- Opt me out of your system and any related third-party databases to protect my privacy rights. 

Furthermore, it has come to my attention that my private information associated with Capital One account XXXX has been transferred to a third-party collection agency without my explicit consent. This act raises concerns about the violation of my privacy rights under state laws, including 15 U.S. Code section 6801, 15 U.S. Code section 6802, and 15 U.S. Code section 1681B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: IL
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:
Equifax, has incorrect information and they are unwilling to help me resolve them. I have not been able to process a dispute with them that is effecting my score. They lowered my score by 44 points due to them stating that my utilization is 84 %, but I have no accounts open since all accounts are protected under chapter XXXX.I tried online and calling and still they refuse to help me get the information corrected. They are not very helpful in getting me the help I need. They refuse to let me speak to a manager. They have errors in the report as well as my profile on record. They want me to send my SSN by mail to them. I cant believe that this is the only way to resolve my issue by sending private information by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Innovative Recovery ( " IR '' ) posted an incorrect debt to my credit reporting. I contacted them with their information from credit reporting years ago and learned that it was related to claimed rent for a month post my move-out at XXXX Apartments XXXX I contacted XXXX Apartments and provided them with the email correspondence with the prior property manager confirming my move-out dates and that my account had no amounts outstanding. I never received any communication from XXXX and the first time I became aware of this debt was as a result of a decline in my credit score where IR reported an incorrect debt owed. XXXX told me they could not do anything about it, since they already turned it over to IR and I needed to work with IR. I contacted IR again and provided them with my supporting paper trail via email. They proceeded to call me several times requesting payment and threatening the impact to my credit report. I explained to them several times they have an incorrect/invalid information and provided them with supporting documentation and they've ignored it. I've disputed with all of the credit agencies ( including providing my documentation ) and they've told me that IR has certified in their response that it is valid and therefore since it is certified they need to keep it. This is absolutely ridiculous that simply just saying " valid '' in an electronic response is an acceptable basis for a collections agency to operate. A grave injustice has been done by this Company and my supporting documentation has been ignored and continues to be ignored. I have no history of a single late payment nor any debt collection. I am responsible with my credit, as demonstrated with my long history. This situation has impacted my access to credit and the rates at which I am being provided debt ; and with a collector reporting incorrect information and telling me they will only remove it if I pay something that I do not owe, this is just an unacceptable business practice. This was showing up on the report of my ex as well and they bullied her into paying half, which she needed to get this removed from her report to apply to law school. I am seeking help to remedy this situation. They must be doing this to other consumers as well and this should be investigated and put to a stop. Any help you can provide would be very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 


I have called and spoken with customer service of XXXX, and I have filed disputes with Experian, XXXX, and XXXX with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 

Both are charge-off accounts. However, XXXX credit bureau says it's a collection account. 

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXXIncorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these XXXXXXXX XXXX. I have tried to rectify this over the past 60 days.

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 2023-07-17
Company: Bridgecrest Acceptance Corporation
State: GA
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 BridgeCrest Account # XXXX has violated my rights. Under 15 USC 1681 sections 602 States I have the right to privacy .15 USC 1681 Section 604a section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credits as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX Account number XXXX inaccurate Date opened, inaccurate high credit, inaccurate date last active, inaccurate date of last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
THye opened my account XXXX, XXXX, 2021. Last year I wrote a check or used my card which is covered by overdraft and they shut down my account and told me if I paid off the debt I could reopen the accopunt. SO Yesterdfay I went to reopen the account and then call Arvest account line to get my online username established and they tell me my account will shut down in 14 days. They have lied to me I paid my overdraft protection and which you can use it with your debit card so they are being discriminatory towards me and I would like my account opened immediately or else they can look at discriminatory action on their behalf. I need my account left open and the branch to approve of this because it is apart of my coverage. THank you Very much and look forward to hearing your input on such circumstances. 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 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On Saturday evening XX/XX/XXXX I received an email from Bank of America with the following subject line : Your Mortgage Correspondence is Available in Mobile and Online Banking XXXX Bank of America XXXX XXXX Sat, XX/XX/XXXX, XXXX ] After logging in to my Bank of America Mortgage account I got this message : " Online access ( including payments ) is not available for this account We apologize for any inconvenience. 
For account information, please refer to your paper statement, or call XXXX If we need to send you any mortgage account documents, we'll mail them to the address we have on file for you. '' Bank of America should not be allowed to freeze customers out of their Mortgage Accounts and should not be emailing them that their is Correspondence Available when in fact it is not accessible. 

XXXX XXXX Bank of America informed the CFPB that it answered a complaint that I made and that they sent that answer to me. How am I to access the Bank of America answer if I can not access my account. If Bank of America sent it to me in the mail or via XXXX or XXXX I have not received it. 

In addition to not allowing me to access my Mortgage account to check if the answer to my CFPB Complaint is there, and if there, to read it I also can not access information that is relevant to making a complaint ( s ) to the CFPB. 

Bank of America should not be allowed to block access to Mortgage accounts ( My mortgage is a Countrywide Mortgage that originated in XXXX ). As the borrower / mortgagor I should be allowed to access my account, which includes key documents and account history.

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 2023-05-19
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have also had problems with Navient and I am glad to see that students are having the same issues and I am not the only out here being spoken to on the phone with them negatively. I have tried making a payment arrangements that would work for me at the time Which was to pay of XXXX and asked if I could pay XXXX because I am paid bi-weekly. They said no and that I needed to either pay in full or pay around XXXX dollars. I have tried getting back into college and I have been out of school since XX/XX/2013 season. I hate that I am pushing my education back because of a fault on my account. I was sick and when I left my university ( XXXX XXXX University ) in XXXX Michigan. So eventually went home to XXXX to try to finish but couldnt get back in the groove because of finances. Maybe something with change and Ill be able to go back to school and study.

On XXXX I had seen a sponsor ad that said Navient had a lawsuit against them and read the article about CFPB and Navient. This is the reason I reached out at the time I did. This is a serious complaint and this situation should no be taken lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. 

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. 

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

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 2022-05-24
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
When I filed the first complaint I told them they no longer had authorization to ACH anything out of my account. They continue to do so. Theyre causing the overdraft fees and I cant even get into my account to pay it off. Nobody answers the phone its all just recordings and when you try to login it just tells you theres a problem. And if you do get past that login it doesnt let you to your account because they want you to send a picture of your Social Security card over the Internet to third-party. Something I am not willing to do. They have my US passport that is the best identification they couldve ever asked for. My problem stands now is they were told not to ACH my account in numerous emails and through my response and my complaint here but they continue to do it. I want somebody to call me so that I can get an address to mail a check to a cashiers check not a personal check I dont want them to stop taking money or trying to take money out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Arivo Acceptance, LLC
State: FL
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 never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive ( XXXX ) XXXX -- - XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Automotive ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Southwest Credit Systems, L.P.
State: TN
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:
I am a federally protected natural person who is living and breathing. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable with fines and jail time. Additionally, these misstatements are punishable as perjury. This account found within my credit report is not related to any transaction that I made. I have reached out to this company on several occasions to get them to verify the accuracy and validity of this account. They have failed to respond with any adequate documents showing any evidence that this account was indeed created by me and that the amount they are reporting to my credit report is accurate. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown unverified account on my credit report without doing a proper investigation of the account first. This has caused me to suffer by being denied access to credit, not being able to take care of my family, and its defamation of my character and credit.

Company response to consumer: Closed with explanation