BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: NCC Business Services, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter to NCC Business Services Inc. which was received on XX/XX/XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled establishing an account NCC Business Services or the creditor in question. NCC Business Services has failed to provide any means of validation. No chain of command, application, or contract, containing my signature has been provided on behalf of NCC Business Services which is required under the court of law. NCC Business Services is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested XXXX XXXX to process my payments promptly or change my due date and they refuse to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 an account was opened in my name with XXXX XXXX XXXX. I DID NOT open this account. I have contacted the company via email since the number provided will not allow calls. This is fraud under my name. I have a fraud alert and my credit is frozen. This should not have been opened.

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 2021-11-22
Company: Experian Information Solutions 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:
Report # XXXX : Called in XX/XX/2021, XX/XX/2021, to update address nothing changed but it has updated for these request. On inquiries my report states I have XXXX, XXXX  of the inquiries is for same day was suppose to be soft inquiries count as XXXX. I was told it only count as1 but listed as XXXX inquiries. Everytime my score is suppose to go up Experian add some derogatory information to my report. I disputed addresses that are incorrect on the report : same address listed XXXX times and XXXX of them wrong. Creditors listed under bankruptcy was suppose to be listed under bankruptcy still listed separately. Experian make credit score drop instead of helping. To force me to purchase their products.

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 2018-01-16
Company: WELLS FARGO & COMPANY
State: CA
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:
XXXX Applied for a Pre Paid card with bank. 
I was approved. 
Consistently paid bill on time. 
reached out to back to change my due date. Date was changed. 



Bank charged late fee in error. Refused to adjust fees in XXXX. 
Acct was then closed. 
I paid my charges. 
Scores dropped while disputing charges. 
XXXX received a letter for WFB stating a error has been made on their end. 
acct balance is XXXX. 
WFB refused to report to credit bureau findings. 
XXXX XXXX, attempted to re-apply for a pre-paid credit card and was denied.

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 2022-01-10
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: NC
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:
contacted Experian by mail XX/XX/XXXX about disputing a Bankruptcy on my credit report. They sent me the results on XX/XX/XXXX. I also called Experian on XX/XX/XXXX and spoke with XXXX XXXX he informed me that there verification for public records is through a third party company which is XXXX that the courts use. At first he said I would have to contact the courts after further questions he finally gave me the company name that they use. I then informed him that i have contacted the company that they use and they could not verify the information, and also XXXX uses XXXX and they could not verify the information as you can see i have attached documentation to support.

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 2022-01-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
they will NOT answer phone at all. Waited 2 hours. Trying to reach escrow which is wrong NEED to have a new one reran with accurate information. Called United States ( XXXX ) XXXX - XXXXMonday - Friday XXXX AM - XXXX PM XXXX and United States ( XXXX ) XXXX - XXXXMonday - Friday XXXX XXXX XXXX XXXX XXXX XXXX. Have been trying for days They do not answer on purpose until I file a complaint. What a waste of the CFBB and my time. They need to call me ASAP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Credit Control, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call seven times in a minute. 
Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. 
No verification of this debt. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple XXXX  in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.

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 2022-01-10
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: Information belongs to someone else

Complaint:
This credit bureau is not following their fair credit reporting act obligation. They have not acted in a prompt or " Fair/Equitable '' manner. Over the past 12 months I have been requesting a removal and/or investigation on numerous fraudulent charged as it is well known with the IRS and the other 2 credit bureaus that my identity has been stolen. The culprit has even been found and is being criminally charged by the IRS CI. I have IRS contacts and references as well to back my claims as they contacted me and conducted an interview showing me the fraudulent accounts created under my name. The bureau has not submitted evidence of investigation by providing me with the names and address of persons contacted as requested as they only send the standard paper over and over saying that it is verified when these accounts ARE NOT EVEN VALID, nor have they removed the inaccuracies. They have failed to take care to maintain the accuracy, relevancy, and proper us of information of my file. I have already filed a police report and an identity theft affidavit as well. I have submitted a small claims petition myself and served the papers via certified mail to of I get no response, so now I've partnered with an attorney and intend to also file a complaint with the Subcommittee on banking, credit and insurance and my attorney state general due to the blatant disregard of the law with this bureau. The other 2 bureaus have fixed the problem on their side, there is no valid reason to disregard the law and for this long of a time period. I have records and paper trails of everything and am fed up, I intend to take this as far as I can fully-fledged and request compensation as well if these fraudulent accounts are not removed. Please remove these fraudulent accounts immediately. 


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 explanation
Consumer complaint received 2018-01-16
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase.com has locked me out of my account and will not respond. I was locked out when I attempted to open an account with XXXX, their sister-company, which shares login credentials. After attempting to enter my Coinbase account credentials, as instructed, I was locked out of both XXXX and Coinbase accounts. 

I 'm unsure how much of my money Coinbase is currently holding as I 've not been able to check my balance. 

I initiated the following trouble tickets, neither of which has gotten any sort of response from their support department. I also spent 2.5 hours on XX/XX/XXXX on their support number ( XXXX ) where I was told that the account was locked in error and that they would escalate the issue and that it would be resolved in approximately 5 days. ( They made the same statement in an email I received from them on XX/XX/XXXX.  See email text below ... ) Existing tickets : XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX After calling in, I got the following email response from Coinbase ( date : XX/XX/XXXX ) : >  Hello, and thanks for reaching out. 
> > Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

> Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

> You will receive a notification email if were able to restore your purchasing ability. 
> Please note that while these reviews are typically completed within 4-5 business days, it can sometimes take longer depending on our current case volume. 

> For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today, XX/XX/XXXX, I applied to Equifax for a copy my free annual credit report. I had last requested this report from Equifax on XX/XX/XXXX. Equifax DENIED me access to my free annual credit report without even trying to verify my identify my asking the usual questions. Besides distributing my credit report to criminals by failing to safeguard my data, they are now denying me access allowed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
American Express sent me a replacement card for a card that was damaged via XXXX at my request. The card was marked as delivered by XXXX but did not arrive. I called American Express customer service, who told me I could request another card, but they would have to cancel my existing card number. A replacement Card would either need to take 7 business days via USPS or be sent by XXXX  again. Since XXXX is unable to deliver my card I am uncomfortable giving them the replacement card as well, and asked for another courier to send my second replacement card. I was told those are my two options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX Rent Recovery # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/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 2022-01-10
Company: Consumer Collection Management. Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted the original debtor which is XXXX XXXX and they stated I rented a house from them and that is not true. They said it was the month of XX/XX/2021 and the amount owed was XXXX. Again is not ture I have never lived outside of Michigan and at the time of this they didn't have my correct last name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have three issues : 1 ) I have asked multiple times for BOA to provide me with " a copy of any document that we relied upon during our investigation and/or processing of your request. '' wrt to a rejected payment from XXXX XXXX / XXXX Mortgage in early XXXX. Instead, BOA keeps sending me my correspondence with them requesting the same. This however doesn't indicate how they know the payment was rejected. 

2 ) As part of that request, correspondence was sent to a 3 year old address ( on XXXX XXXX XXXX. Bank of America says they have no record of that address in my account. They have been unable and unwilling to furnish me with documentation they relied on to get that address, instead they keep sending me copies of my correspondence requesting such. 

XXXX ) I need Bank of America to research why correspondence is still being sent to an address that they indicate they have no record of. I also need to know what needs to be done differently the next time I change my address to prevent this in the future.

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 2019-02-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX  processed our request for mortgage modification XX/XX/2017. 
I received the Trial Modification agreement dated XX/XX/2017. My first trial payment was due XX/XX/2017 with XXXX XXXX XXXX. The three trial payments were made to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX stating my mortgage servicing was transferred to Rushmore Loan Management after I made the 3rd payment.. I spoke with Rushmore customer service several times and they assured me my payment wasn't changing and they were processing the final modification documents. 2 weeks later I received a property foreclosure sale notice in the mail, I spoke with Rushmore customer service and they stated they were not going to honor the modification received from XXXX XXXX XXXX and that my payment had increased to approximately {$2200.00}, Rushmore continues to increase my mortgage payment. XXXX XXXX the relationship manager has been unwilling to correct this awful situation. I don't want to lose my home to foreclosure. I will resubmit my request for mortgage modification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am doing an internal review of my graduate student loans and have found that Navient increased my student loan amount through capitalized interest in the amount over {$20000.00} duringa span of 3 years. During this time frame I just graduated school ( XX/XX/XXXX ) and was unemployed until XX/XX/XXXX. I was also not advised of the alternative programs which could of benefited me. My XXXX in XX/XX/XXXX relfected wages of approximately {$18000.00} During the time frame I do not believe Navient had the consumers best interest in heart in mind when dealing with the most economical approach to advise customers against forbearance and deferment. The practices have resulted in my total loan increase over {$21000.00} which I am still struggling to pay off with additional expenses. 

One capitalized interest charge in my account is over {$8000.00}. 

Navient was not transparent in informing me the costs would balloon my student loan payments in excess of {$20000.00} added to the principle. 

My loans under the XXXX XXXX XXXX were as followed : {$26000.00} {$5200.00} {$12000.00} Total amount {$44000.00} : Consolidated to a new vendor : XX/XX/XXXX - payment made XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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: Account status incorrect

Complaint:
I keep calling this company XXXX XXXX they are in house finance they keep playing with my credit they discriminate if they do not like you they will mess your credit up I keep paying and they report me diliquunt on my credit everytime if I call and explain they are roof and lie I cant believe them I have 11 creditors this is the only one I have issues with they are a living nightmare I cant get out if they are making me miserable I dont want to be reported as a bad person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i can go on no one does this I even get curtousey of removing a late fee once from them thats other cc but XXXX they are the a devil no warning nothing the day I made s payment was the day it was due no one said they already same day reported to credit bueru but they are in house they dont have to its a choice they will keep doing it if they dont like you then the lady threatened me to go to magistrate court if Im late again and harasses all my contacts I put in application is this legal

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