BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-02
Company: EQUIFAX, INC.
State: MN
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 do not agree that the said amount of debt by XXXX XXXX is owed by myself. I have not received any documentation of how they generated this stated amount. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, then we are all in full agreement that there is no debt owed by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CHAPTER XXXX BANKRUPTCY ( USBK COURT XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: DE
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: Other problem getting your report or credit score

Complaint:
Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with XXXX to XXXX, XXXX drop 30 in 2 weeks and same with equifax. I do believe that i am being unfairly targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: CAINE & WEINER COMPANY, INC.
State: NY
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:
There are a few accounts on my credit report that I've never given consent or permission to give me any lines of credit under my credit report or to run my credit or put unauthorized inquiries on my report 1. caine weiner ( XXXX XXXX ) -date XX/XX/XXXX -amount {$380.00} 2.XXXX  XXXX ( student loan ) -date XX/XX/XXXX {$13000.00} 3. us dept of ed ( student loan ) -amount {$9900.00} -date XX/XX/XXXX 4. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) -date XX/XX/XXXX - {$1100.00} 5 . XXXX XXXX XXXX -date XX/XX/XXXX - {$1000.00} 6. XXXX XXXX XXXX ( sold to XXXX XXXX XXXX XXXX ) -DATE XX/XX/XXXX - {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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 received a letter dated XX/XX/2020 from Bank of America concerning Account No.  XXXX. According to this letter if I paid {$1600.00} by XX/XX/2020 ( LAST DAY FOR PAYMENT ) " you may continue with the contract as though you were not late ''. I made the payment online of {$1600.00} as instructed XX/XX/2020. Additionally, on the same day I made another payment of {$750.00} to Account No.XXXX since I have two car loans at Bank of America for which I sought COVID relief. NOTE THAT XXXX ARBITRARILY REDUCED MY CREDIT SCORE BY 116 POINTS XX/XX/2020 CHANGING MY CREDIT RATING FROM A GOOD XXXX TO A FAIR XXXX FIVE DAYS BEFORE WHAT I WAS GIVEN TO UNDERSTAND ANY ADVERSE ACTION WOULD BE TAKEN ON THE PART OF BANK OF AMERICA. As a result of this Complaint I want my FICO score corrected, immediately, and a Note to my Financial records that acknowledges as well as corrects the error. From Bank of America I want a corrected LOAN PAYMENT HISTORY ( from inception to YTD ) for both loans ( XXXX and XXXX ). Your immediate attention, from both institutions will be appreciated.

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 2019-02-18
Company: BARCLAYS BANK DELAWARE
State: WI
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:
On XX/XX/2019 Barclaycard cancelled both of my credit cards for no good reason.

I was never late in a payment or kept any high balances. I asked them several times to give me a good reason, and they can't. They keep saying I violated the terms of the agreement, but nobody can tell me which one.

The big problem I have is they are trying to take all my reward points, which I earned. I want those reward points back or redeemed for cash. They shouldn't be able to take those away from me for no good reason.

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 2019-09-02
Company: Experian Information Solutions Inc.
State: MN
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 do not agree that the said amount of debt by XXXX XXXX is owed by myself. I have not received any documentation of how they generated this stated amount. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, then we are all in full agreement that there is no debt owed by myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A balance is reporting on my Bank of America account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with Bank of America and they have failed to correct it.

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 2020-11-13
Company: LEXISNEXIS
State: OH
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 was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Went in to purchase a vehicle. Spent several hours negotiating a price we discussed before hand. Settled it's with the dealer and went on to sign the deal. He switched the number around and added the same item back on to the document but spelled out differently we didnt catch it at the time but apparently it's a known scam. XXXX XXXX was falsifying items unbeknownst to us. He admitted to this in the office after confronted about items not matching up and not giving us all the forms after the purchase. After being pulled all the way to the other side of the lot for financing and being told our agreed upon payment method XXXX XXXX XXXX would not be accepted one of us left to rush home for a check book. This division added to the confusion they would use to not turn over any receipts or documents besides the e-signature thing mixed in with the swapped buy order. Once we returned back he had none of the items and made excuses and delayed handing them over until general service XXXX intervened. He then presented a document he said was for the vehicle a document he said was from the time of signing. The document listed a different vehicle but had same model number at a lower price.. XXXX XXXX XXXX said it didnt exist and was not on the list of vehicles in the system he had showed us. Upon further review we found that the XXXX VA XXXX XX/XX/14 was digitally signed for accepting a loan. We were in the office physically and were signing with a pen. The signature was so foreign to us that we initially thought it was forged. Mentioned to this to XXXX XXXX and he never mentioned it was an e signature. He only stated no one had forged it. However someone else signed a e signature on our behalf without discussing this with us. Further discussion revealed that the staff keep the sales documents in an EDITABLE document. XXXX demonstrated this by deleting the lines in a document, showing he could. He then tried to take it back by saying only that one page was editable. But it was in same pdf so the entire documents integrity is in in question. So happens the doc in question they had on file was empty while the one we signed was not ( we took a picture of it ). We were presented multiple buy orders with differing numbers signed as proof we agreed to one price. When questioned about this he blamed the computers. It didnt seem to matter that they had so many with different versions of the price of the vehicle. Salesman was engaged in fraudullent manipulating documents telling stories that didnt add up to any of the other employees not even the XXXX XXXX XXXX. We requested to return the vehicle as it was obvious they were not being genuine. They said no, as if counting on the doctored up contracts to protect them. While he expressed confusion as well the XXXX XXXX didnt really care about what had been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: MoneyLion Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I took a loan out for XXXX over a year ago, with this company online. I made the payments and then they started taking out every week. The amount paid was XXXX per week. I contacted the company and spoke with a representative and advised it needed to stop, I set up fraud with my bank to have them stop. I got a new debit card. Last week I had a hit of over XXXX via ACH to my checking account, which is insane. I have attempted to contact the company but no one will follow up. I can't afford this kind of withdrawal, especially when I reached out to the company and had advised them to stop taking this out. Currently I have opened up another case with my bank. I had made several payments of over XXXX which should have paid in full and then they still take money out. I thought that was stopped and then they do this 6 months later.

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 2019-09-02
Company: SYNCHRONY FINANCIAL
State: NY
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 am a victim of identity theft, and I discovered that a previous fraudulent account that was permanently removed and blocked has reappeared on my report as a collection as well as fraudulent inquires. I would like these items be permanently removed and blocked.

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 2019-09-02
Company: CITIBANK, N.A.
State: NY
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:
There are a few accounts on my credit report that I've never given consent or permission to give me any lines of credit under my credit report or to run my credit or put unauthorized inquiries on my report 1. XXXX XXXX ( XXXX XXXX ) -date XX/XX/XXXX -amount {$380.00} 2.citibank stu ( student loan ) -date XX/XX/XXXX {$13000.00} 3. us dept of ed ( student loan ) -amount {$9900.00} -date XX/XX/XXXX 4. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) -date XX/XX/XXXX - {$1100.00} 5 . XXXX XXXX XXXX -date XX/XX/XXXX - {$1000.00} 6. XXXX  XXXX XXXX ( sold to XXXX XXXX XXXX XXXX ) -DATE XX/XX/XXXX - {$1100.00}

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 2018-08-27
Company: Navient Solutions, LLC.
State: MA
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:
XXXX Called Navient in regards to an extremely high and rising interest rate. I wanted to know why this rate is so high and what they can do to lower the rate. I have been paying off the loan consistently. I understand the interest rate is variable, but at XXXX   % and rising, how can they realistically expect me to pay this loan off? The principal amount isn't being paid down only the interest. This is stealing, and is an unreasonable rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Social Finance, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I attempted to refinance my student loan with my current student loan company XXXX XXXX. I applied with a co-signor who is not a XXXX XXXX of the United States. At first, I was unsure if my co-signor would be eligible, however on XX/XX/XXXX, I contacted the company and was informed that co-signors were allowed if they had certain US XXXX. I sent my co-signors XXXX information and provided all the documents that were required. I was approved for a fixed payment of {$1500.00} for 15 years. Sofi required a few documents to complete the application, which were provided. On XX/XX/XXXX at XXXX XXXX I received a call stating the only item that was needed was a clearer copy of my co-signors ID. The ID was uploaded to Sofi 's  website at XXXX and I was told on the previous phone call that my loan would then go forward at the original terms. However, I received an email at XXXX XXXX on XX/XX/XXXX stating Sofi was unable to offer me credit as I was previously approved. They offered terms at a higher interest rate with a monthly payment amount of {$1600.00}. Sofi 's reasoning to increase my interest rate was my income differed on my application. On XX/XX/XXXX, I called Sofi to  discuss why my income had differed because I had inputted my correct income. I was informed my income was not the issue, but Sofi was unable to accept my co-signor. On this call I was told it was not their policy to accept a co-signor who is not a XXXX US XXXX. This information contradicted the previous information they provided and Sofi had been in receipt of  my co-signor 's XXXX information as of XX/XX/XXXX. However, as of XXXX on XX/XX/XXXX my  application was being accepted with my co-signor. It seems my interest rate was increased at the last hour in order to get my to pay a higher interest rate. I attempted to refinance my loan because I am currently in an adjustable rate and it continues to increase. I am beginning to struggle to make the payments and this will continue to worsen if my interest rate continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: The Outsource Group, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After receiving several unwelcome telephone calls from XXXX, XXXX XXXX  XXXX , MO XXXX AND having supplied same debt collector with faxed pages of evidence that bills to XXXX XXXX and their associate companies, I received a FINAL BILL notice of XXXX which is also not owed but the XXXX  sends me another bill in explanation of this XXXX which turns out to be a bill for {$1000.00}.

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 2017-11-08
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; Ocwen Loan Servicing LLC. ( Please see attached loan modification agreement from Ocwen Loan Servicing LLC ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with Ocwen Loan Servicing I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to XXXX XXXX XXXX ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX and XXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of XXXX XXXX to XXXX XXXX thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either Ocwen Loan Servicing or XXXX XXXX XXXX. I contacted Ocwen loan servicing and XXXX XXXX XXXX several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither Ocwen loan servicing or XXXX XXXX XXXX will give me any answers. They continue to tell me that they will look into the matter and get back to me a couple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I directly contracted the company, AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX and asked that this debt which is showing as a collection on my credit be removed. The original creditor is listed as XXXX XXXX. I have never lived in Nevada, have never had an electric/light bill in NV, and do not owe this money. I've also contact the credit bureaus to dispute this, but they stated that the collection agency reported it as valid and put it back on. At this point, I don't know what to do. I've never owed this money, and I don't want to pay it, but it's negatively impacting my credit score.

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 2019-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
portfolio Recovery as of yesterday reports monthly on my XXXX report that I owe them XXXX now they send me mail, bills and letters stating I owe from a XXXX XXXX Credit Card. portfolio Recovery is also playing on my XXXX  also as XXXX   XXXX XXXX. I have told them over and over I never had a XXXX Credit Card. They have a statement with a bill on it to say it mine and the person on the statement has an address of XXXX XXXX XXXX XXXX, CT. Since I made a few complaints they call daily, they send me bills and statements and now they Harass me by reporting monthly and only on my XXXX  report. The other who credit reporting agencies have deleted portfolio Recovery. XXXX will not prove or give me a chance after one time of disputing so therefore portfolio Recovery has the free will be report what they want on my credit. Please look into this. I feel as though this is my last attempt to argue this as they are violating my rights and if this can not and will not be removed. An Attorney is their next best argument.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
There are inaccurate and false information reporting on 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