BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: MD
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:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a new home with XXXX XXXX  ( XXXX XXXX ) in XX/XX/XXXX. XXXX XXXX   sold it to Flagstar Bank. I then set up my account promptly with Flagstar bank and set up automatic payments of monthly mortgage payments. All these times I had home insurance bought since the first day with XXXX  insurance  agent. The agent sent the proof of insurance to XXXX XXXX  and no issues and all were good. After the mortgage moved to Flagstar I called them and verified the insurance info and I was advised to verify it online, so I verified it online at XXXX. I then received a physical letter saying I don't have insurance in XXXX until late XXXX - 2 letters total. Both times I verified them via XXXX and the second time I called the rep and told about this recurring letters coming to me even though I verified them online and it showed I have successfully verified that I have insurance for the property XXXX XXXX XXXX, XXXX, NC XXXX - Conventional Without PMI XXXX I then even asked my XXXX  Agent XXXX XXXX to fax this info to the Flagstar and his team faxed the info to them. I got another mail now on XX/XX/XXXX that they bought insurance on behalf of me and charged me {$4800.00} and this premium is unwarranted even though I verified my insurance 4 times and called them twice in this regard. It completely shows how they are not in sync or not doing their job of getting the fax info and updating my mortgage, but charging me 8 times more premium and 2 times more of insurance amount. This is very irresponsible and sucking the money from the highly timely customers like me. Now my agent again verifying my insurance with them. I am totally dissatisfied with their handling of this insurance. If they can't even handle this simple task how they will be taking care of my mortgage or any other customers in the US. I am also reporting them to FTC or other agencies regarding this malpractices and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is an incorrect address associated with a fraudulent account on my credit file That reason can't be processed online. Can you please remove the address and account please. 

This Address was reported to Experian byXXXX XXXXXXXX Address XXXXReport numberXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: Specialized Loan Servicing Holdings LLC
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing ( SLS ) is claiming to control the rights to collect on alleged debt # XXXX ( see attached ). They are claiming that this relates to a HELOC that was originated on XXXX with XXXX XXXX XXXX. The original and correct XXXX XXXX XXXX account number is XXXX. The account numbers do not match in order to prove up the ability to collect on the alleged debt. Per the FDCPA 16 US Code 1692G, complete verification of the debt is required to proceed with collection activity. SLS is also claiming that true ownership and debt transfer verification can be found on Mortgage Electronic Registration Systems ( MERS ) with the Mortgage Identification Number ( MIN ) listed in the aattached documents. The MIN number is not listed anywhere on the documentation and per my conversations with SLS, they do not have one listed in there system. SLS also stated that there is no affidavit or note allonge to prove up the validity or debt transfer. SLS has not proven up the rights to collect on this debt and should cease and desist any further collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Colony Brands, Inc.
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: Information belongs to someone else

Complaint:
when i checked my credit report i found a hard inquiry from XXXX XXXX inquiry dated X-X-2018.. I did not make any kind of report for them ... I did not know XXXX was sitll in business ... could you check this out and let me know what is going on? thank you .XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-07-28
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America ID reporting that I did a fraudulent check to their bank. IT wasn't me. I was the victim of identity theft. I have a police report bit the incident is prior to report date. Because I found out about the account very late. I'm not Familiar with idenity theft until I was a victim. Please help me reach out to Bank of America recovery dept. I do t owe the bank a dime. It's the reporting of something I didn't do that's hurting me. Especially when I try to get funding or a bank account. I'm a U.S citizen I do t need to try and pull phony checks to get by. I don't know who to turn to at this point.

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 2022-04-02
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-02-17
Company: Experian Information Solutions Inc.
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:
XXXX XXXX was given a request to close XXXX/XXXX account and XXXX XXXX/XXXX  account and 30 business days later the accounts remain open, XXXX XXXX do not have the right to hold an account open and I do not need the creditor to tell XXXX XXXX to close an account in order for it to be closed, that's against my consumer rights, and I want the right to close those account today.now

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 2017-10-25
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an XXXX at XXXX XXXX in XXXX Texas which soon after I found out I had invasive XXXX XXXX and 3 months to live. I 've since then had 2 XXXX XXXX  to save my life, one just a week ago. After the XXXX there was a bill of {$790.00} around there and I spoke with them about what was going on. The lady at the desk asked me to drop off medical bills and other bills I had to see if they could dismiss the bill to help me. I dropped off what she needed, I ended up doing this 4 times as for some reason they did n't know where it was. Then I had my XXXXXXXX and have been unable to work or leave my home since XXXX in the fight against XXXX. A lady did call me while back and ask for the paperwork again, I told her I had turned them in 4 times and if there was a problem to let me know because my fear was they would just turn it over to collection and my credit would be affected. She said that she would look into it and get back to me that would n't happen. I never heard back, so I honestly was just trying to deal with all my XXXX and fighting my XXXX. Today I got a notice from my credit reporting agency that the bill was turned over to a collection and was on my credit report. I called them right away, and the lady I spoke with was rude, could care less if I had XXXX or was sick, she was so insensitive to everything that was going on. I told her what I knew and what I was told, she said that they denied my relief of the bill and it was with collection now to deal with them. I told her this is what I was so worried about happening and now even if I tried to get a loan to pay it my credit is trashed by this. I told her no one contacted me by letter or phone call. Not once! I wanted it removed from collection and give me a chance to pay this as I would have found a way. She said no deal with the collection agency. Cold, disrespectful to my situation which has been very upsetting now, when I 'm trying to heal. I 've filed a claim with the BBB in Texas. If they felt this was so serious of an issue all they had to do was call me, as I received no further calls or letters from them. I would think a warning a certified letter asking for payment would have been made. No straight to collections and on my credit report. I need your assistance please with this matter and would like the option to make payments and it removed from collection and my credit report. I will contact an attorney if it has to be done that way, but would just like them to understand where I am and some compassion would be appreciated please. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is the second time I file a complaint For this agency and they continue to call me and harass me over and over. They are calling my cell number looking for a XXXX person. I do not know anyone named XXXX. I have been explaining this to them and they relentlessly continue calling me every day over and over. Since I first filed the first complaint over them they have started using unknown number lines on my caller Id. The banking agency calling me is comenity bank. Here is the prior complaint number I had filed XXXX. Please get these people to leave me alone. Below Ive added a attachment image of my callers list see how many back to back calls these people give me at all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for a loan consolidation and for my repayment plan to be changed to XXXX on XXXX/XXXX/XXXX. I was never notified about anything except being asked to show proof of my income on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I provided. I called on XXXX/XXXX/XXXX to check the status of my consolidation and was told it was stopped because my loans were deferred because I was in school. For 1. I am not in school so my loans should not be deferred and I should be able to make payments on them. Second, when I filled out the loan consolidation application I requested that my loans be consolidated even if they were deferred and that I start making payments on them immediately. I check that box for this. I am now told today XXXX/XXXX/XXXX that I my student loan consolidation was stopped without notifying me and now it will be not be done by the end of the year to received the interest deduction for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My wife incorrectly sent Bank Of America a XXXX payment thru XXXX XXXX  electronic payment system. However, the Bank of America account had been closed for several years. When the mistake was realized we spent several hrs back and forth with both banks. Finally ending up having XXXX XXXX  send Bank Of America fax information detailing proof of transaction. Now several a few weeks later XXXX XXXX  is reporting that BOA will not cooperate due to privacy issues. This payment should have been returned in 3-5 business days since the account was defunct. Contacting BOA for assistance has been a nightmare. I received fax number for the XXXX XXXX  transfer request from a supervisor at BOA. Its only XXXX dollars but I have spent several hrs on this supposedly simple issue already.

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 2020-12-21
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr. Cooper via Nationstar has engaged in a lengthy process in delaying the processing of my mortgage refinance. It is unclear whether this is due to negligence, incompetence, or malicious intent to perpetuate elevated interest rates. To my understanding they have thus far spent 9 months to complete a 30-45 day process. It is unclear whether they will complete the process. 

During this process they have lost documents, asked me to provide their own documents, lost track of insurance payments, misallocated insurance payments, asked me to refrain from making payments then beg me to make payments after misappropriating my escrow. 

I have spoken with XXXX XXXX, XXXX XXXX, and a man named " XXXX '' who called me on the phone to explain that there is nothing for Mr. Cooper to do because Mr. Cooper has done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: SC
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been banking with Chime since XXXX. My chime account was hacked twice last Tuesday XX/XX/XXXX. I received a text message that my email and phone number had been changed on my chime app. I tried to log into chime and it said that I was using the incorrect log-in. This happen once at XXXX XXXX then again at XXXX. It was after XXXX and when I tried to contact Chime via phone the system didn't recognize my number because it was changed. The first time the $ XXXX was stolen Chime was able to reverse the transaction right away and give me my fund but the second time the money was gone. I sent an email to support but didn't receive a response. I was finally able to contact chime the next morning and spoke with a representative that advised me that {$10000.00} was transfered out to found and to open a dispute and XXXX change my informtion back to mine. Since then I've sent over 20 emails and spent over 10 hours on the ohine. I called Chime back only to get bounced around from person to person because the correct information was not updated in their system and they couldn't verify it was me. I finally spoke with XXXX in disputes who had me send in a photo of my ID and SS #. We filled out a dispute and I was notified that I would receive a provisional credit with 10 days, XX/XX/XXXX, is the date she gave me. XX/XX/XXXX, I received an email that Chime was closing my account for " Behavior that was not in compliance ''. Now every time I try to call I get an automated response that my account is closed and I can only contact them via email to their support. It's been 1 week and I haven't seen any resolution nor have I receive a provisional credit. It's just unfortunate that it was so easy for a hacker to access my Chime account in the first place. It seems as if there are more precautions that they hand agains me the actual ownthanthen the one who got access to my account. I just got a response from Chime from a rep name Pualie stating, " Regarding with your dispute ( XXXX ), I looked into the status of your dispute and see that you were not eligible for provisional credits due to the type of dispute you filed. Unfortunately, we do not have any additional information to provide to you and I apologize for any inconvenience this may cause. We will notify you through your email once we have an update for your claim. Thank you for your patience while we continue your investigation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is XXXX BAL {$1600.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX # XXXX DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they have complied with the any of the federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, as Stated before 604,605 FCRA Laws I fail to see where THE FOLLOWING INQUIRES WERE not AUTHORIZE Please delete the following : XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have filed a complaint the the following addresses are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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