BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: NCB Management Services Inc.
State: FL
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:
15 U.S. CODE 6801. PROTECTION OF NONPUBLIC PERSONAL INFORMATION.I have NEVER GAVE NCB XXXX XXXX EXPRESSED WRITEN PERMISSION TO COLLECT AND SHARE MY DATA, AND UNDER FALSE PRETENSES. DUE TO THE INFRINGEMENT AND BREACH OF MY RIGHT OT PRIVACY AND TO BE SAFE WITHIN MY PAPERS ACCORINDING TOTHE FOURTH AMENDMENT. THERE IS NO PERMISSIBLE PURPOSE PURSUANT TO 15 USC 1681, MY NON PUBLIC PERSONAL INFORMATION IS NOT TO BE SHARED BY XXXX ALSO AS A THRID PARTY AFFILIATE. ANY INFORMATION OBTAINED AND WITHOUT MY AUTHORIZATION MUST BE DELETED OR BLOCKED. THE OBLIGATION HAS BE RELIEVED. CEASE AND DESIST ALL MEANS OF COLLECTIONS OF A DEBT. THE SELLING OF MY DATA FROM NCB MANAGEMENT TO XXXX IS AGGREGATED ID THEFT OVERALL. ANY INFO REPORTING FROM NCB IS TO BLOCKED AND REMOVED PURSUANT TO FCRA, FDCPA AND FEDERAL LAW STATES HEREIN.15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: TX
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-10-20
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ive been unemployed since covid 19 started without stimulus check, the bank gave me a three month break. After that i was still without a job and sent me to collection. Im calling now to start making payments on the vehicle and get back in track the say they took me out of the loan and I cant make payment. My options are payoff the car completely or surrender the car i think this is so unfair if someone can help me fix this  with BVBA COMPASS i would appreciate it. Thank u, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lost my homeowners insurance due to mortgage company not paying my escrow. Got a call from my insurer in XXXX of 2022 stating they have not recieved escrow, called my mortgage company and they said they paid it. Fastforward to XXXX of 2022 found out my insurance had been canceled due to none payments by my mortgage company I reached out to my mortgage company but they can not give me an answer they told me they will call me back but they have not in over a week. Try calling again but call will not go through. As of today I have no insurance on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: NC
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 am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report..Remove the late payments on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unrecognized credit pulls on credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11
Company: Nelnet, Inc.
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:
Total XXXX  XXXX expunged my student loans because I am totally and XXXX XXXX. Then the nelnet office reinstated them even though I get SSI and my doctor signed their paperwork like 25 different times on 25 application for about 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company XXXX  in every way. I setup auto-pay immediately upon being told they were my new servicer. They failed to withdraw the first payment. Then they locked my account online. You can not reset it online. Oh, no. You have to call them. Which takes 48 minutes. The first guy, whom I will just assume was incompetent rather than a liar, told me that I had never set up auto-pay and that there would be a fee for me to pay on the phone. He could not help me unlock the website. He then transferred me to someone else who said that I HAD, in fact, set up auto-pay but it had failed to withdraw the money. She said I could pay on the phone without a fee. I did so. Now, i am getting a message that they don't have my hazard insurance policy -- which i have previously provided as part of the closing process. When I try to add it, guess what? I am locked out again. You can not reset online. You have to call them. This time, their automated system bounced me back and forth without ever getting to anyone and finally hanging up on me. I am just trying to pay my XXXX  monthly payment, and i never want to have to call them again. How, oh, how can they fix my account so that it actually works???

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 2020-09-01
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've been with American express since XXXX I never missed a payment or was late and I dont have auto pay for last 5 years I haven't missed a payment on anything. Cc mortgage, loans etc ... 2 weeks ago I paid over XXXX on a payment to American express 2 weeks after that was over XXXX payment o balance went to XXXX used card and was denied 2 days later got an email about changes to my cc where they denied purchase and dropped my limit to XXXX was XXXX i called them ask them why and can't get straight answer so I told them cancel my card if thas how I'm gon na be treated after a superb history so they didnt XXXX na cancel card wanted me to speak to the team that deals with this so I agreed and for them to second look my accout to see why I was treat like this they want copy of my assets tax form or we do t see why they need all this 2 years had card never this wrong what they did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently tried to purchase an XXXX  and my transaction was declined for inadequate balance according to my bank when I was under the impression that I have more than that in my account or better I should have more than that, only to discover several unauthorized transactions of which most where multiple transactions from Company or Businesses I've never done business with before, my jaw was on the flow upon this realization and wondering why is it that my bank will allow merchants that i've never had contact in the past access to my account without notifying me. I'm currently on the phone with the bank rep who is initiating a fraud claim regarding this transactions and as that its taking place I am filing this claim because of the bank 's negligence in protecting my account. 

Bank Claim # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have had a credit card account with US Bank since ~XXXX. I changed the email address associated with the account and singed up for paperless billing. US Bank continued to send my statement to the old email account. I called numerous times and they would never fixed the problem. The correct email is what I see when I log into the cc website. 

My privacy has been violated as the emails continue to be sent to the wrong address. 

Additionally they have the wrong phone number on file despite numerous attempts to remove that phone number as I went to only a cell number. 

Recently they shut the account as I refused to use the card until the address was corrected. 

Nobody at US bank took the time to believe me that the statements were being sent to the wrong place and that I was not getting the information.

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 2018-11-11
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2014 account was opened. I went to the dentist but used my insurance which everything should had got paid for. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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 am making a complaint today against XXXX XXXX XXXX in reference to Account # : XXXX. I first called XXXX on XX/XX/2019 and talked to a representative that said the call was being recorded. I called in reference to the above account number. The representative looked up the account and asked if I was ever stationed in XXXX which I replied no. He said I didn't think so I could not find a XXXX address for you. He then said that he would take care of this for me and to give it 10 days and it will be removed from my credit report. I then waited patiently for a credit alert letting me know that is was removed. It was never removed. I then called back on XX/XX/2019 and got transferred to the same representative. I had asked him what was going on with this account he said the person who was suppose to do the paperwork never did. He said he would take care of it would be removed in about 10 days. I then waited again and no removal, I called back a third time on XX/XX/2019 and talked to a different representative and he asked how I would like to pay!!!! I then asked him to please read the notes on my account and he said oh yes it was in line to be deleted wait to XX/XX/2019. Now this account was removed from both XXXX  and XXXX  in the beginning of XXXX, but never from Equifax. In fact Equifax is now reporting that the collection is paid with a status date of XX/XX/2019 ( See attached file ). I had disputed this account with Equifax and it has come back as Verified. This is unacceptable as this debt is not mine and I never paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: MI
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 INSANE. 

4 months ago my car got wrecked. These clowns never once showed me money was due to me. I called them repeatedly I showed them my new address repeatedly. 

So then they reported me as delinquent on the money owed. For a debt they never proved existed.

I paid the debt *over two months ago* then they reported back to the credit agencies the credit was good/great.

Then on XXXX XXXX, so a full six weeks after paying them off for the debt they never proved *they reported me deliquent again* I even have a letter from them dated TWO MONTHS AGO SAYING THE ACCOUNT IS CLOSED.

I'm being reported deliquent twice for a non-existent debt. I have called them, I have wrote them, I have contacted all three credit reporting agencies.

PLEASE ACTUALLY DO SOMETHING

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 2020-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted to modify my loan with BOA. They advised me to work XXXX, and I called XXXX and received no help.I contacted BOA and was advised my home was in a foreclosure

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 2018-11-11
Company: EQUIFAX, INC.
State: OR
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:
Equifax, XXXX  and XXXX  have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
There are XXXX issues here. 

XXXX. I am trying to closeout my mortgage ( Bayview ). I have XXXX more payment left to pay. The mortgage company just sent me an escrow statement saying what my new payment will be in XX/XX/XXXX. My last payment should be next month. I have my house on the market to be sold. I need clarification. I tried numerous times to call but I never could get through to address this issue. 

XXXX. About XXXX years ago XXXX XXXX changed my address of the property. The mortgage company still has the old address ( XXXX XXXX XXXX XXXX noted on my mortgage documents. I received the formal documents of the change address XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and sent those formal documents to the mortgage company ( Bayview ). They have yet to change the address to the new address XXXX XXXX XXXX XXXX XXXX in my mortgage documents. I need them to make that change to receive the correct Deed of the property. I sent the formal document electronically to the mortgage ( Bayview ) company weeks ago. Before I submitted the document, I called a told XXXX of their representatives what the issue was. Nothing has been done to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year someone opened a Kohls department store card in my name without my consent. Whoever accessed my info made frivolous charges on my behalf. I have no knowledge to how my info could have been obtained

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages..If you do not remove it from my record, please provide me with written proof of every detail shown in your entry.. Remove unauthorized inquiries done by XXXX XXXX  - XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, 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 2020-10-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either

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 2023-07-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bloomingdales charge a {$300.00} aCH payment to my XXXX  XXXX XXXX account. I tried contacting XXXX  XXXX XXXX and Bloomingdales and received no help. Theyre stating it takes 2 to 3 months to resolve the issue. I have other payments due that will be late because I do not have the funds. The funds were stolen from me.

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 2022-09-12
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Someone set up a Debit Express Card in the beginning of XXXX with my name on it. 
They notified Social Security to send my check to the card instead of the direct deposit that was always in place. 
When the money was sent they took it. 
I reported this to the FTC on XX/XX/XXXX. Report # XXXX. 
I contacted SSI when I found out my check wasn't deposited in my account and they told me about the Debit Express Account. 
I contacted Debit Express and they said someone established a account in my name and had the card sent to them. {$2100.00} was withdrawn. 
Direct Express sent me a card minus fees. {$57.00} was on the card. XXXX XXXX at Social Security told me to see what the balance was and to send back the card, which I did. 
Now in XXXX I get another card from Direct Express. 
I did not order one and have no intention of ever using anything from Direct Express. 
I tried to call the number on the card to cancel this and called the Fraud Line number which I had from before. There is no way speak to anyone in Customer Service.

Company response to consumer: Closed with monetary relief