BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax and Transunion should not be reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. This account is also over ( 7 ) years old and should not be reporting at all. I have contacted XXXX XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As of XX/XX/XXXX, Bank of the West has refused to resolved my issues of bait and switch from a promised interest rate of 2 % /2.02 % APY to 1.29 APY ; closed my account without reimbursing me the full account balance ; and not allowing online access. This is after filing a complaint with the CEO, XXXX XXXX on XX/XX/XXXX and speaking with the manager, XXXX XXXX at the XXXX XXXX branch on XX/XX/XXXX. I was referred back to the branch that originally caused the problems so naturally nothing got resolved. 

This complaint concerns the Bank of the West branch at XXXX XXXX, Ca. I opened an XXXX XXXX XXXX account on XX/XX/XXXX with the understanding that the interest rate would be at 2 % /2.02 % APY.  The opening balance was {$20000.00}. 

An account statement from XX/XX/XXXX XX/XX/XXXX was received sometime in mid-XXXX XXXX. Instead of the promised APY 2.02 %, the statement stated an APY of 1.29 %. On XX/XX/XXXX, I went to the local XXXX XXXX branch for an explanation. More or less, all the employees including the manager ( she refused to speak with me directly ) stated that this was correct. Out of frustration, I immediately closed the account on XX/XX/XXXX. Instead of issuing a closing check for the full balance amount, it was issued for what was stated on the XX/XX/XXXX XX/XX/XXXX statement of {$20000.00}. There was an interest amount from XX/XX/XXXX to XX/XX/XXXX still outstanding. But, the employee insisted there was no other remaining amount and if there was any, it would be just a few dollars and not to worry about it and to let it go. She even issued me a balance receipt showing the available and current balances were XXXX. Once home, I checked my account online, it showed the remaining account balance was {$13.00}. I then immediately contacted someone on the phone at a Bank of the West call center regarding the issues, who stated my account was frozen and nothing could be done. 

I tried to log online again on XX/XX/XXXX and XX/XX/XXXX and was unable to do so. The notices posted were Access Suspended with an invalid reason that [ I ] havent signed into it for over 18 months! On XX/XX/XXXX, I tried to re-enroll on Online Banking but was denied because my account had been closed.

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 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Respectable Gentlemen I asked Bank of America to stop withdrawals from my savings account by XXXX XXXX, who bought an unsigned contract from XXXX XXXXXXXX, who was supposed to help me in a loan Forgiveness that resulted in a consolidation. The whole transaction was misleading and once I realized it I reported the fraud to the bank and requested they stop payments immediately and help me get a refund from XXXX XXXX who cheated me and XXXX XXXX who I do not know and with whom I ended up having this debt for a " Service '' that was n't fulfilled. 

The bank has not fully cooperated with this problem and from the beginning they were trying to charge me for a stop payment to XXXX XXXX XXXX who I do n't know ) even though I explained to them that I was mislead by XXXX XXXXXXXX to believe that my student loan was going to be forgiven but instead, they were only consolidating it and for which they were trying to charge me a RIP OFF fee of {$2000.00}, so to make sure they got their share they sold my contract to XXXX XXXX. 

Bank Of America has apparently ignored my request and have reached a decision based on documents that XXXX XXXX has offered and which I never had a chance to see or evaluate and which dont even have my signature. 

I hope I get the support on this Issue as you are my last and only source for help. 

Thanks so much in advance Respectfully yours 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 monetary relief
Consumer complaint received 2017-12-04
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
SYNCHRONY BANK XXXX. XXXX, XXXX, XXXX fraudulently opened a new credit card account without our consent, authorization, or permission. 
New cards were sent to us on XXXX XXXX which we destroyed and did not activate. Synchrony accepted {$7600.00} in fraudulent charges from a merchant that we did not and could not have provided a valid card number to because we never entered the card number for anything! 
SYNCHRONY apparently was provided confidential private financial information by XXXX XXXX XXXX without our consent or authorization.

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 2018-03-25
Company: Experian Information Solutions Inc.
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:
Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.

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 2019-02-12
Company: EQUIFAX, 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:
On 2 separate occasions ( XXXX/XXXX/2018 & XX/XX//2018 ) I have submitted letters asking XXXX, XXXX and Equifax credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX//2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ENHANCED RECOVERY COMPANY & XXXX I tried to dispute this with the company but they are making up things saying that i owned some equipment which i did not return. I am currently a customer of XXXX and I successfully closed my earlier account with them. Despite that, and being a loyal customers for years, these false debt collecting strategies are hurting my Credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX of Resurgent Capital is continually reporting negative information to the credit bureaus that should not be on my credit file. I have disputed with the Credit Bureaus, 2 bureaus have removed the collection. Also according to the State of Florida neither company is registered to do collections. I have attached the pictures from our State website. Unless this company can provide a signed contract where I XXXX XXXX owe this debt and proof their license are active in Florida these collection account needs to be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
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:
On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking XXXX, Experian and XXXX  credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.

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 2019-03-20
Company: RentDebt Automated Collections, LLC
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:
XXXX has been non-compliant with removing the unverified account RENTDEBT AUTOMATED COLLECTIONS Opened Date XX/XX/2019 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that RENTDEBT AUTOMATED COLLECTIONS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Resurgent Capital Services L.P.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have repeatedly disputed the accuracy of reported debt to XXXX the last 2 dates are XX/XX/XXXX and  XX/XX/XXXX The accounts disputed were XXXX XXXX reporting an {$840.00} balance and XXXX XXXX with a balance of {$490.00} which is not accurate. Therefore should be removed. They do not notify me at all not by paper letter or electronic. When I spoke to XXXX   they simply said they verified the account was mine, no mention of the balances date of accuracy nothing. My lifestyle is being impacted by their negligence to report my credit file accurately. FTC laws are suppose to protect consumers from this type of activity and behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account has been opened fraudulently. I had no knowledge of this account. I didn't open this account.

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 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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:
Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my 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 2017-12-04
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Loan servicings lawyer went before a judge in NJ and lyed to the court about the documentation that they had to prove they owned the mortgage. The judge would not even listen to my case, but let Ocwen give the defendants financial documents that the defense has been asking for 6 years. The documents prove predatory lending by charging over 12 % to re-finance this loan, a year later than the other XXXX loan.No closing date, no one except notary at closing, where did we close, who closed the loan.When you read the other documents supplied by the plaintiff, they prove that XXXX XXXX illegally signed that she certified the paperwork in XXXX to assign the loan from XXXX to XXXX bank national trust bundles who just settled a XXXX XXXX dollar settlement in XXXX XXXX for misleading investors and consumers like myself and have not taken a settlement. I know that we are or were eligible for at least 7 class action lawsuits that the defendants have been associated with and we did not join.We ask for 3 x the original finance charge of XXXX for predatory lending. We also ask XXXX XXXX for pain and suffering for all the lies and suffering this illegal act has brought us. The plaintiffs had to know the mortgage papers were at the least illegal and unenforceable, yet continued to ly to the court and the defendants and only supplied the evidence when they had to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
reported XXXX XXXX, XXXX XXXX : XXXX damaged credit not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial has not credited my fixed rate mortgage account with interest paid. I made a payment for XX/XX/XXXXthat Ditech received on XX/XX/XXXX. Instead of applying extra funds to the loan as agreed, Ditech applied part of my payment toward the interest for XX/XX/XXXX, calling it " prepaid interest. '' This was the only prepaid interest ever shown on the account. They set the next payment as due XX/XX/XXXX. I wrote and called them about the error. Ditech told me they had fixed it and all extra funds had been applied to the loan principal. They re-set the next payment due as XX/XX/XXXX. So after this, the XX/XX/XXXX payment should have been wiped out, as if it had never been made. The prepaid interest figure should have gone away. It did not go away. When I made a payment on XX/XX/XXXX, Ditech subtracted the prepaid interest amount from the interest due for XX/XX/XXXX. I ended up with a negative figure for interest paid, on the XX/XX/XXXX statement. I wrote to Ditech, told them exactly what the statement should show, and why the negative interest was an error. Ditech wrote back a month later. They do not recognize any error on the statement. They have not fixed the problem of the prepaid interest in XX/XX/XXXX counting against this year 's interest. Since it's a problem of their refusing to credit the account with interest paid as of the date received ( XX/XX/XXXX), aren't they required to fix it? I don't know how the loan could be transferred to a different servicer or how the XX/XX/XXXXtax form will be correct if not. Basically, they are refusing to service the mortgage. Ditech doesn't have the capability to automatically apply extra funds as they say they will. They keep applying them to future months after assuring me they will apply them to the principal. Then I have no payment documentation. This amounts to a penalty for trying to reduce the loan principal. XXXX XXXX should not allow them to service mortgages if they will not service 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 2018-03-25
Company: EQUIFAX, INC.
State: WI
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:
While reviewing my Equifax credit report on Sunday, XX/XX/XXXX I noted two items which do not belong to me and which I think may be related.

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : Equifax XXXX Former Address XXXX XXXX XXXX XXXX   NEW YORK XXXX 2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports.

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXXXX/XX/XXXX The known and acknowledged card company is called Renovate for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with XXXX XXXX. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX   balance and will never, ever do business with XXXX XXXX for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXX XX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: NY
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:
Equifax is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: WA
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:
I am a US citizen currently XXXX XXXX and am unable to access my credit report. It's come to my attention there are medical bills in collections from a car accident where I was not at fault and the medical care providers failed to bill the Personal Injury Protection policy provided. 

This is adversely impacting my credit score which was EXCELLENT a year ago. I am not returning to the US any time soon and need to access my information. If I am able to provide my identifying information, there is NO GOOD REASON I should be prevented from accessing information I am legally entitled to as a US citizen. 

Please advise immediately.

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