BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I wrote Bank of America a check for {$15000.00}, principle only payment. The check cleared the next day. After about a week it still had not been applied. I have 3 times and each time, I was told the same thing. That it was in the wrong column and that they were waiting for the customer to call in, and tell them what i wanted to do with the money. That they would escalate this issue, should be resolved in a day or two. Those calls were over a month time frame. On XX/XX/XXXX, I then sent an email to customer care, and received a reply the next day. Basically, it says the something. And now it appears, the auto deduction payment I have setup with BOA ( have had it since 07 ) isn't being applied to my account. I have been given the reason for the mess up, is due to a system upgrade. It's been over 5 weeks for them to fix my issue, still  nothing.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am interested in disputing all inaccurate information on my credit report with transunion. looking at the files that's invalid please delete the data to clear my file asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. SEE ATTACHMENT

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 2020-07-14
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
I contacted XXXX XXXX XXXX XXXX on Monday, XX/XX/2020 to advise the payments for XXXX & XX/XX/2020 were not reflected on my three credit bureau reports. I expressed that I am in the home buying process and I need those payments reflected. I was advised they would provide a copy of my transaction history to submit to the credit bureaus. On XX/XX/2020, I received the transaction history via email. On XX/XX/2020, I contacted XXXX and was advised that all information must come from the creditor not from me. On that same night, I contacted XXXX and was advised to send a letter to their Credit Bureau Operations Department. 

I have the same issue with my student loan servicer, Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was originally through XXXX and I recently went through a REFI via XXXX XXXX XXXX. PHH became the new servicer effective XX/XX/2020 which I was only notified 7 business days prior to effective date and 1st payment due date of XX/XX/2020. 

On XX/XX/2020 I attempted to make my 1st payment to PHH mortgage both via online and then over the phone and neither option was available to me as my account was not fully setup. I was then instructed by the representative to call back at a later date to process and I had until the XXXX of XXXX as part of the grace period to do so. 

I then spent over 2hrs on a call trying to obtain resolution with no luck. 

Thanks, 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 2021-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with XXXX XXXX. Due to fraud it was closed and sent to collections. 
Portfolio Recovery is the third collections company it was sent to. I had payment arrangements with them so it wouldn't be reported to the credit agencies but it was! 
My bank returned a few payments due to insufficient funds. I had identity theft this past year and due to the Covid Pandemic I have being going through some financial hardships. I need this taken off of my reports. It lowered my scores 30 points on all three reports!!! Technically I do not owe this debt because I had fraud through XXXX. And I thought companies were not allowed to report collections because of the Pandemic according to the CaresAct. Read below! 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic.

The Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act.

The FAQs address the credit reporting requirements of the CARES Act, including considerations for furnishers when reporting consumers as current as required by the CARES Act. The FAQs also clarify that reporting that a consumer is affected by a natural or declared disaster is not a substitute for complying with the CARES Act credit reporting requirements. In addition, the FAQs address the Bureaus guidance that provides temporary and targeted flexibility in the event CRAs or the furnisher experience challenges as a result of the pandemic in investigating consumer disputes. All CRAs and furnishers remain responsible for conducting reasonable investigations of consumer disputes in a timely fashion. The Bureaus statement makes clear that the Bureau expects CRAs and furnishers to make good faith efforts to investigate disputes as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: LEXISNEXIS
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:
XXXX, XXXX  and the rest of there little circle of credit personal tarnish and make sure i can't succeed in life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed my account with out warning..been struggling to pay but have been making min payments each month ... as my credit score decreased they increased my percent interest and lowered my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I terminated my lease early with a local apartment complex in XX/XX/2018. They accepted my surrender of the apartment, ( see attached email from XXXX XXXX ) triggering their duty to mitigate damages under applicable Georgia law. Accordingly they cant require me to repay the entire term of the lease when they have leased the property to someone else as of XX/XX/2018. ( See additional email communications confirming relent of apartment on XX/XX/2018 ). 

We were in the process of determining the final amount owed after they re-leased the property ; however, I never received a final account statement telling me what I owe. ( See email attachments ).

I then received a notice from IQ Data International attempting to collect XXXX on behalf of the apartment complex. I had never even been issued a final bill from the complex much less how I wound up in collections. When I asked for an explanation, the IQ Data representative XXXX spoke to me in a derogatory manner and told me I owed the full amount of accelerated rent. I told him lawfully this was not possible under Georgie law because ( 1 ) I never even received a final bill and ( 2 ) the complex accepted surrender of the property and relet it on XX/XX/2018. 

I then contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA and they refused to send me copies of the final account statement they allegedly sent me in XX/XX/2018. Instead they sent me screen shots where they supposedly emailed me copies of the final statement. I requested they resend the original emails and the final account statement and received no response. 

IQ Data is increasing the amount I owe to over 7000 and when I spoke with them today their same employee XXXX said lady pay your bills already which was on a recorded line. 

He also told me that even though I was an attorney I didnt understand accelerated rent. 

Again-how you can be in collections over an amount you never received a bill for is beyond me and the failure to provide justification for that amount, continuing to impact my credit and speaking to me in a verbally abusive manner are unlawful. 

IQ Data is pinging my credit every month with late payments and this is my last step before filing civil litigation against both entities.

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 2023-03-05
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i just received a bill in the mail from '' XXXX XXXX '' no dr name only a date. i have 100 % coverage from Medicaid and Medicare plus XXXX XXXX medically necessary. 
this allegiant debt is from XX/XX/2022 plus added interest from TSI and a letter stating pay or it will go against my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRUIST FINANCIAL CORPORATION
State: NJ
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:
XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair 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 2019-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of the date of this letter you and and have violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Each month I pay my credit card balance in full, sometimes above and beyond the " statement balance ''. In XXXX, I used my rewards to pay my balance in full. In XXXX my account shows past due with a {$25.00} late fee assessed. When I contacted BOA they told me that I had to pay the minimum balance due. I paid the balance in full. They said I still had to pay the minimum balance due showing on my statement. Therefore, since I did not pay the " minimum balance due '' of {$25.00}, I was late and assessed a late charge. They did remove the late charge but this will be a ding on my credit showing a late payment. BOA said that I have to contact the credit bureau 's to have it removed. I certainly understand having to pay a minimum amount due or be charged a late fee, but if the statement is paid in full I should not be required to pay above and beyond that or be considered 'late '. BOA should correct the 'late ' payment and be sure that is not reflected on my credit.

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 2022-12-16
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: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX - The Law Office of XXXX XXXX XXXX agreed on a settlement arrangement on XX/XX/XXXX. 

The Balance at the time was {$7400.00} and settled for {$2900.00} in payments. First payment due date was XX/XX/XXXX and the final payment due date was for XX/XX/XXXX. All payments were sent through regular mail and all were cleared/cashed by Wells Fargo XXXX However, the account is still reflecting as past due and delinquent even though it should be reporting as a {$0.00} balance and paid for less than the full balance. 

We've tried to clear this up with Wells Fargo but we had no success in resolving this issue.

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 2020-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has closed my credit account, but every month reports that the account has been charged off. They have been reporting this as a new charge off every month which affects my credit rating. 
I have contacted them in XXXX to negotiate and discuss, but they feel justified in newly reporting a charge off every month. 
The account has been closed since 2017 and this has just began happening.

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 2020-07-14
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I mailed a format letter to Synerprise Consulting Services as a result of mail I received regarding the following accounts : XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX. {$310.00} XXXX XXXX XXXX XXXX {$60.00} In this letter, I requested that Synerprise provide COMPLETE information ( breakdown of fees including any collection costs and medical charges ) regarding each one of these debts listed above. 

On XX/XX/2020, I received a letter in the mail from Synerprise Consulting Services dated XX/XX/2020, advising that the total amount due is owed. I did not receive complete information ( breakdown of fees including any collection costs and medical charges ) as requested in my letter from XX/XX/2020. I have given this company well over 30 days to comply and therefore I request that they cease ALL collection attempts including the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2023 I received a chip debit card in the mail, issued in my name, from Citizens Bank. I have never opened an account with them. I have never heard of the bank. According to their website. Debit cards issued by them are linked to a checking account with their establishment. That the information required to do is is -drivers license/state ID #, SSN, Email Address & Phone Number. I have no idea how they were able to get all that information. 
I have called several times. Being on hold upwards to 45 minutes. I have emailed their fraud department. Telling them that I would be following up with a phone call and certified mail. I decided to go through this route to get documentation. 

At this moment, I have just now sat on hold for 56 min to be able to talk to someone at this company. Explained the situation. And put me back on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ON XX/XX/16 MY CHASE BANK DEBIT Account was breached AND THE PARTY RESPONSIBLE FOR THIS CRIME, STOLE A TOTAL OF {$3000.00} OUT OF MY CHECKING ACCOUNT THROUGH 10 DIFFERENT WITHDRAW TRANSACTIONS OUT OF A CHASE BANK BRANCH LOCATED IN XXXX XXXX, in their XXXX XXXX XXXX XXXX XXXX. Branch number XXXX. Replacement cards were requested on my behalf, when I never asked for those cards, the debit card I had on me was deactivated, when again never asked for those actions to be taken. 

NO RESOLUTION HAS BEEN CONCLUDED AND MY CLAIM WAS DENIED WITH NO RESOLUTION. The Chase XXXX XXXX Branch manager informed me that I should wait to reopen the claims, for them to receive the footage. However, from my point of view, how come my claim was denied if the footage was never reviewed? Every time I go in to check on the status, she is not in the branch or in another branch. I have gone to see her about 6 or 7 times since she told me to wait for the footage and she is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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: Information belongs to someone else

Complaint:
I am a victim of XXXX XXXX and the credit bureaus have refused to remove the fraudulent activity from my report. The XXXX  has the same XXXX XXXX but different XXXX XXXX and XXXX XXXX. She has used my XXXX XXXX  number to obtain credit and then never made a payment. Even though we have had her XXXX in the past, the credit bureaus and credit issuers have refused to remove these items from my credit. I am the XXXX of a XXXX XXXX. All of my accounts are in good standing and never late. Any and all derogatory items on my credit are directly related to the XXXX. I am unable to refinance my home as a result of the sever damage this is causing to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Experian Information Solutions Inc.
State: IL
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:
The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

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