BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Monday XX/XX/XXXX, I was contacted by individuals claiming to represent XXXX XXXX and that they were about to shut off the power to a house I own within XXXX minutes due to non-payment of the electric bill. I was asked to send them payment through XXXX so they could credit my account that day and stop the power from being turned off. 
I wasn't at the property at the time to know that there was no one outside to turn the power off. 

I transferred {$840.00} from my USAA XXXX checking account on XX/XX/XXXX around XXXX XXXX. The payment showed pending and then I got transferred to another XXXX XXXX representative and was asked to transfer money from a different account at XXXX through XXXX since the payment didn't go through. I transferred {$990.00} to the same XXXX account. 

The name of the XXXX account was XXXX and the phone number used was XXXX. 

After the second payment went through I realized I was scammed. I called both banks that day to lodge a complaint but there is little interest on their end about stopping XXXX fraud as they don't believe they have any liability for the service. 

I was hoping they would report this to XXXX so they could shut down the illegal account and stop transfers going through to that number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, 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:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice an item on my report that is not mine. This item need to be deleted from my credit report XXXX XXXX XXXX and there are some inquiries also that are not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX Equifax Mtg, Equifax Mortgage Servi, XXXX, XXXX XXXX XXXX and JXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX BANK OF AMERICA XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on BANK OF AMERICA WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you

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 2020-05-05
Company: Freedom Mortgage Company
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:
XXXX Paid Mortgage Payment- website not functioning properly and stated the following day that it was not paid. Although we had confirmation it was. 
XXXX Paid Mortgage payment again due to the website error and being told by Freedom Mortgage that it was not accepted. 
Both of these were then debited from our bank account the first payment that they stated was not taken and then the second. We can prove through statements from XXXX. 
XXXX Contacted Freedom Mortgage we were told to contact XXXX that this was on their end and nothing Freedom would or could do. Contacted XXXX paid a fee ( out of our pocket for Freedoms mistake ) to then have this payment reversed and credited back to our account. 
XXXX Paid Mortgage Payment XX/XX/2019 Pay Reversal done by XXXX  due to prior phone call with the stop payment & reversal as they blocked Freedom from taking any money from our account. When the request came through from Freedom they denied it based upon this. 
We have screenshots to show this and where it was paid and paid on time. 
XXXX We were made aware that two payments were due at this time due to the mistake outside of our control. We immediately in a show of good faith paid two payments at the same to get this back current. Incurred additional late fee even though this was something we never knew about and have screenshots showing where it was paid on time. 
Even after such as this was corrected and Freedom was aware of the mistake and mishap from the website & XXXX they chose to report this to our credit. The single derogatory remark ever on our perfect credit profiles. This has reduced our scores drastically.

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 2019-04-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I purchased an airline ticket for XX/XX/XXXX via XXXX and used my XXXX credit card to do so. On the same day XXXX issued a ticket for XX/XX/XXXX. I immediately called them, told them they issued a ticket for the wrong day, and was rebuffed and told I was only entitled to a partial refund. That same day I filed a dispute with XXXX. 

Today, XX/XX/XXXX, XXXX told me that : - They would not dispute this for me because I have not cancelled the ticket that was issued for the wrong day. They also acknowledged that cancelling the ticket and accepting a partial refund would be tacitly accepting I was at fault, not the merchant and they would not help me in that case either. 
- Because the merchant claims it was purchased for the XXXX ( despite it being _immediately_ contested and disputed ) XXXX will XXXX with the merchant and not dispute the purchase. The only " counter '' to this is if I happen to have a screen recording of my purchase. This is an unrealistic, unmeetable standard of proof intentionally created such that no one could meet it. 

XXXX has, in essence, stated two separate ways that it it is impossible to dispute a purchase that was made but never delivered and left me with no avenue for resolution or assistance. They're skirting their responsibilities as a bank and card issuer and I'd appreciate any assistance you can lend to this matter.

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 2018-03-22
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was first notified that a negative collections had been added to my credit report in XX/XX/2018 for {$150.00}. This debt was from Medical Data Systems, a secondary debt collector who purchased my original debt from XXXX Hospital. I never received a bill in the mail from this company or a phone call from them to notify me that they had my debt. The first time I was informed they were trying to collect a debt from me was after they added a collection to my credit report, substantially damaging my credit report. I contacted them to pay the debt and asked them why I had not been notified before they placed this on my credit report. They informed me they had been sent a bill to an old address that I no longer live at. I asked if they could please remove the collection from my report since they had sent my bill to an incorrect address and I had paid the bill immediately once notified. The associate, XXXX, transferred me to the manager, XXXX, who told me she would not remove the collections. Her tone became extremely condescending and she told me it was my own fault for not paying my co-pay in person at the time of going to the ER ( at the time I was admitted to the emergency room, I was in excruitiating pain and never had been asked to make a copay in person ). It was extremely unprofessional and an invasion of privacy that she used details about my experience at the ER to try to belittle me, after I asked what I believed to be a simple request given their clerical errors and the fact that I never received a bill or contact from them prior to them tarnishing my credit with the collection they reported.

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 2019-04-18
Company: Sequoia Financial Services
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:
I have requested my original 30 days to dispute medical debt on XX/XX/XXXX with a HIPPA request also in the letter. I never received a response and I have fax confirmation they received my request. never received a response. 

On XX/XX/XXXX I sent another request for debt validation requesting the same items including my HIPPA consent under federal law and ( no response ). 

On XX/XX/XXXX another fax regarding prior two requests and ( no response ). 

My agent made several phone calls recorded to Sequoia Financial and they claimed they sent a response to me and did not. 

On XX/XX/XXXX sent another request by my agent signed by me for another request with a POA and a release of cease and desist they claimed as their excuse for XX/XX/XXXX, but no reason for XX/XX/XXXX of a failed response. 

Finally, I sent a certified letter on XX/XX/XXXX tracking number XXXX XXXX XXXX XXXX XXXX, that was received on XX/XX/XXXX at XXXX XXXX confirmed as received. I still see that my unverified debt is still reporting on my credit. 

I feel that my consumer rights have been seriously ignored and violated under the FDCPA and FCRA regulations and there is a serious violation that needs legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Nelnet, 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 is missing that should be on the report

Complaint:
Nelnet is updating my outdated credit report from 2003. This account has passed its time from reporting and they will not remove it. The balance is on XXXX and its been over 14 year but it continues to update and report as active. I need someone to look at this and verify it doesn't violate my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: ALLY FINANCIAL INC.
State: FL
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: Investigation took more than 30 days

Complaint:
CPFB, I am currently an XXXX XXXX member since 2014. Upon reviewing my finance documents both ally and XXXX knew I was in the military and never disclosed to me my rights under the military truth in lending and also the service member civil relief act. 
-I didnt get a buyers guide -The car was in an accident and XXXX  knew -My rights were violated and grounds for the contract to be terminated and the person that has been reviewing my case fired due to being bias and unfair. 
-As a military member I am protected under the MTLA AND SCRA. This loan is covered under the MTLA due to the gap insurance. 
I have submitted multiple complaints and they are getting away with 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 non-monetary relief
Consumer complaint received 2019-04-18
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:
Bank of America Regarding Late Payments on Credit Report We started loan modification procedures in the summer of XX/XX/2018. It took us 8 months because Bank of America kept kicking back our paperwork because they could not read my husbands military pay statements. We spoke with them on multiple occasions trying to walk them through how to read them. Finally, we were awarded a trial loan modification on XX/XX/2018. We were told to make payments by XX/XX/18, XX/XX/18 & XX/XX/18.  We made these payments on time and have proof from our bank that they were cashed. These payments are being reported as late, even though they were paid on time per the terms of the contract. Bank of America is erroneously reporting this information. We have tried fixing this thru the credit reporting agencies 2 times. We have gone to the XXXX and have still not had any positive results. B of A Regulatory Compliance Department has called me 2 times to leave a message, once on XX/XX/XXXX and once on XX/XX/XXXX. We have called back on XX/XX/XXXX ( 3 times ) ,XX/XX/XXXX ( 1 time ) & XX/XX/XXXX ( 6 times ) and are not able to get anyone on the phone. 

B of A 's lack of response and false reporting is causing issues for us as we are trying to refinance this loan to a lower rate.

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 2017-11-29
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I recently purchased a used car for XXXX. This was in XXXX of this year. Then Hurricane Harvey totaled my car and then the car company, who had put a full coverage insurance policy on my car, declared that I still owed then XXXX after they took the car in and their in house insurance company declared that they could only pay less than half of the damage. They even kept the car and sold it. The finance company is American Credit Acceptance , LLC, XXXX XXXX XXXX, XXXX Tx XXXX. And the Insurance company is the XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA 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 2018-10-15
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

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 2018-02-11
Company: Experian Information Solutions Inc.
State: CA
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:
Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I decided to get my credit pulled due to bills i continued to receive in the mail. I have never heard from the place before, I immediately suspected identity theft. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$890.00}

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 2019-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I inadvertently submitted a {$150.00} payment on XX/XX/2019 through my bank 's online bill pay service ( XXXX XXXX ) to a credit card that I previously closed. XXXX changed providers ( from Bank of America to XXXX and I had left this payee in my bill pay ). I have contacted XXXX, XXXX XXXX multiple times. The real obstacle is Bank of America ; they are unwilling to accept the basic data including the credit trace # XXXX XXXX XXXX and the check file # XXXX. The account is no longer active ( last four digits XXXX and it no longer appears in their system ), but they should have records of bank transfers according to routing numbers. I have proof of payment from the bank ( attached ) ; the funds were paid by my bank using the Check Free Bill Pay system ( the bank says this is important because the funds were not wired to BOA from my ckg acct directly but the bank 's Ck Pay System ). A XXXX XXXX representative ( XXXX XXXX ) on two separate occasions attempted to reconcile this problem ( XX/XX/XXXX and XX/XX/2019 ). On XX/XX/XXXX we called Bank of America ( BOA ) together and spent 1 hour and 29 mins on the phone until the manager, XXXX, in BOA credit card servicing disconnected the call ( we were stunned ). Before that we had spoken to XXXX XXXX in BOA 's Recovery Services, XXXX ( Deposit servicing ), XXXX and XXXX, Supervisor, ( both in credit card servicing ). The attachment shows the payment to BOA but they will not return this money and refuse to discuss possible solutions. If indeed the account has been closed, why hasn't the payment been returned to my checking 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 monetary relief
Consumer complaint received 2018-07-27
Company: CMRE Financial Services, Inc.
State: TX
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:
I recieved multiple calls from a CMRE FINANCIAL SERVICES before XXXX and after XXXX CT on multiple occasions as well repeated calls to relatives from XXXX XXXX. These appear to be from CMRE FINANCIAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have lived at a rental property current name ( XXXX XXXX XXXX   ) with my ex girlfriend back in 2013 XX/XX/XXXX ( we both signed the lease ) for only a month in a 6 month lease term that soon after i found out my ex girlfriend stole my check books and Debit card and had to leave the rental apartment and involved polices and paid termination fee of one month rent by myself since she was a felon and i was not aware of. I filed lawsuit meanwhile against my ex girlfriend and she founded guilty because of identity theft and forgery. After few months passed i received a letter from XXXX XXXX XXXX XXXX   that i owe XXXX  $ approximately to the apartment i lived only a month though paid them one month advanced plus deposit. This has been affecting my credit and life in general since they keep harassing me because of that even though i explained them the situation and the money i paid for additional one month rent before leaving that place. I believe i am a victim of unfair credit report by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )

Company response to consumer: Closed with explanation