BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a bankruptcy back in XX/XX/XXXX and it was discharged in XX/XX/XXXX. In this banruptcy I had included a loan from chase home mortgage for a house which belongs to my brother legally on the title. I was never in the title only in the loan. Years later he defaulted again and chase home mortgage claimed that they never received documents from the court regarding my bankruptcy and they are coming after me and threatening to or a lien on my current home and my credit has been ruined again because they have not reported it properly to the credit bureau and have not taken the financial responsibility off my name in their system. My life is being affected yet again since even an employer checks your credit to offer you employment these days and I can't even get a credit card or buy a car, nothing because they have not reported this properly. Chase has taken me to court and asking for something like {$140000.00} or a lien on my property when I declared that debt in the banruptcy and it was discharged! I need these cleared up and my credit cleaned so I can have my life back! Never ever ever lend your credit to anyone and when you file bankruptcy make sure you sun your credit to ensure it is being reported properly. I have learned my lesson but fixing this is taking a long time and causing stress on my marriage and our family! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Credit Systems International, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 Credit Systems International, Inc stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 XXXX and XXXX is reporting that the account has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XX/XX/XXXX I entered an agreement with CapitalOne on my credit card ending in XXXX through its collection agent XXXX XXXX. Prior to a dismissed Chapter  XXXX bankruptcy, my account was in good standing. After the Chapter XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1500.00} making 6 payments of {$250.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$1000.00} due to financial issues which was a direct result of COVID-19. I earn income as a XXXX XXXX XXXX  and a XXXX XXXX for XXXX ; as you are aware all institutions of education were impacted. I shared this information with XXXX XXXX ; at that time Capital One took over the account. I paid the {$1000.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the representative XXXX XXXX at XXXX on XX/XX/XXXX regarding this account and I was told again that the account is not longer with their offices - I would have to reach out to Capital One. I called Capital One at XXXX and spoke with XXXX, Agent # XXXX on XX/XX/XXXX. After discussing the issue with XXXX, he stated the XX/XX/XXXX agreement was no longer an option and the {$1000.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2500.00}. XXXX indicated he would have to speak with his superiors regarding an acceptable amount - I was told $ XXXX was required to satisfy the account. This is {$1100.00} over the initial agreement and it appears Capital One is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, Capital One filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new opportunities from CapitalOne and all accounts are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX my wife & I opened a checking account at Bank of America. At that time we told the rep that we did not want our middle names or initials to appear on checks, debit cards, statements or any other document. Our middle name did not appear on our checks however, that is as far as B of A went in honoring our request. The debit cards showed our full middle names. I called B of A to inform them of the error. New cards were sent without the middle name or initial however, B of A charged us {$5.00} per card for making the change. They later reversed the charges after I called them. Statements and checks sent by B of A when we use bill pay continue to show our full middle names. Numerous telephone calls to the branch and customer service have been made to resolve this ongoing bank error without success. Today, XX/XX/XXXX, I went into the branch and met with XXXX XXXX, Assistant Vice-President, Relationship Manager. Since my wife is ill ( she suffered a XXXX ) I presented a lawfully executed and notarized General Power of Attorney. XXXX XXXX called her legal department and faxed them a copy. The response was that Bank of America declined to honor the General POA because it had not been signed by two witnesses. I pointed out to her that Arizona law allows the option of having two witnesses sign the document or having the document notarized. She said it was out of her control or authority as her legal department said to decline it. I also advised her that two other financial institutions had already honored the POA as well as hospitals, doctors, attorneys and a local court. She stated that there was nothing further she could do. The end result is that Bank of America has refused to honor a lawful General Power of Attorney authorizing me to represent and act on behalf of my wife, Bank of America has refused to correct their errors and remove our middle names/initials from the records and Bank of America has refused to add our trust as a beneficiary to the 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 2020-02-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'll sue for the following if not removed.

1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2022-10-06
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XXXX my, now wife ( not my wife at the time ) took a personal loan out with speedy cash in the amount of {$1000.00}. Yes was unable to pay the debt and they received a judgement in the amount of XXXX in XXXX ( approx XXXX for the amount owed and XXXX in attorney fees with XXXX percent post judgement interest. In XXXX the company hired an attorney XXXX XXXX. She collected XXXX of the principle balance and which was applied to he underlying debt. Towards the end of XXXX requested my wife call to settle the matter we offered XXXXthe balance of what was owed with attorney fees and XXXX XXXX refused to discuss the matter and informed her she owed XXXX. This is unreasonable in any circumstance. 

Last week this individual garnished my checking that I put my wife 's name on for XXXX. Which I have no idea where she came up with the amount. I have been calling for the last week and a half and she has not answered, returned a call or responded via email. She has sent no verification of debt or anything within 5 business days that expanded to me my rights and what is exempt and or not exempt by law. 

My bank has also reached out to her and she has not responded to them. We have also reached out to the court to get her to respond. It is unfair for a {$1000.00} debt to become a {$4500.00} item ( XXXX plus the XXXX she has already collected ). It is unfair for an agent of a company to misrepresent the amount of the debt and to freeze accounts especially when you have children to feed and bills to pay. She has provided no back up showing how it is possible for XXXX in debt to become XXXX in debt. 

And she has been avoiding the conversation and unduly causing harm and stress in a matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : MEADE & ASSOCIATES INC XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking  assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill,  or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have sent numerous Email to Nelnet regarding inaccurate reporting of a late payment, my loans was transferred over to Nelnet in XXXX of XXXX, On XXXX I called Nelnet to advise them that due to covid -19 and I'm on umemployment that I can not make payment, the representative put me on a a unemployment deferment. ON XXXX I received a notification that I have a 90 days late payment on my credit that is impossible because I was under the unemployment deferment, I wrote them a letter and also sent them proof of my phone records that I spoke to them on XX/XX/XXXX, XXXX they stated that they dont have any records noted on my account. This is unfair and unlawful against my consumer rights to make me pay for someone else negligence for not noted the account. I have attached my receipts along. I spoke with a Representative name XXXX on XX/XX/XXXX at XXXX and he stated that there is nothing he will do and that it will remain,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. 

Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. 

This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. 
These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. 

I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. 
My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. 
Both of these deficiency repayments are taking place at the same time as the mortgage payments. 

ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried to resolve this matter with three credit bureaus and this company but they are not willing to work out this unauthorized inquiry situation. I asked them for months to provide me with a voiceover, a copy of my Driver License or any signed statement authorizing them to pull my credit report. Its been a couple of months and I still havent receive any response or documents showing otherwise. This is a major violation of the Fair Credit Reporting Act, so this mean they are breaking the Law.

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 2020-10-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a complaint about incorrect Foreclosure Starting ( FS ) and a Negative ( N ) mark on my XXXX   Credit Report for XX/XX/2020. 

This is reported By Specialized Loan Servicing XXXX SLS. net my previous mortgage company. 

In 2020 I was in forbearance from XX/XX/2020 - XX/XX/2020 On XX/XX/2020 I paid off SLS in full and the account was closed. This date is Prior to the end of the forbearance. 

Subsequently, after the account was closed, SLS started forclosure on the properts according to a marking on my credit report, dating XX/XX/2020 when the account was already closed and in good standing. 

I have contacted SLS and they said there was an error and there is no foreclosure, that the account is good and closed, and they would fix the problem. 

To no avail, XXXX  has been disputing the error as well and it keeps being bounced back with no correction to the negative mark on an account that has been closed. 

Sincerely 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 2019-01-11
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, Equifax ) that I owe a balance of {$530.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. this trade-line is CLEARLY in violation of federal law ( s ). the guidelines afforded to me, the litigious consumer are as follows .... 

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and  Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample. 

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary. 
Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.

Company response to consumer: Closed with explanation