BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I was made aware of a delinquent account showing with XXXX XXXX XXXX. I received the contact information to pursue the account and made contact with the creditor, Bank of America to obtain information that was being reported. Bank of America simply stated that I had a balance of {$120.00} but did not divulge what it was for. I explained that I currently am not working and asked for a settlement and they denied me. I asked for proof and the information obtained was incorrect that they had on file.

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 2022-02-17
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2017-07-11
Company: LEXISNEXIS
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 information incorrect

Complaint:
I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on Lexis Nexus. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Credit Bureau Re :  Unauthorized credit inquiries account # XXXX XXXX XXXX 2017 - XXXX XXXX XXXX XXXX   XX/XX/XXXX 2017 To whom it may concern : I recently received a copy of my credit report and i noticed inquiries i did not authorize and which i do not have knowledge. Please be advised by law no inquiries can be placed on my credit without my authorization. I am requesting that this inquiry is removed immediately from my credit report. Please send me an updated copy of my credit report after this inaccurate information has been removed. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: IL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-09-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For those who don't know, PHH Mortgage is one in the same as fraudulent Ocwen Loan services. For years we have been trying to retain our property to no avail. We have heard every excuse on this planet from Ocwen and PHH as to why they couldn't approve the loan modification. PHH claims that the account arrears are to large for alone modification. If the consumer financial Protection would review the HAMP guidelines and the XXXX  XXXX  protocol for loan mod 's, you'll find that arrears what ever they are is irrelevant for a loan modification because that's where forbearance comes in depending on the appraisal value. I am attaching a copy of the RMA and other financials for you're review. Our combined monthly income is {$5800.00}. We clearly qualify for the XXXX XXXX standard loan modification. We are asking PHH to STOP the nonsense and the Unfair Business Practices before we filed a complaint for the XXXX district Federal Court. We also have extensive proof that PHH have engaged in fraud in connection with the foreclosure action and matter should be brought up to the XXXX  District Court of Florida. We will file a separate complaint in regards to the fraudulent foreclosure complaint and how Ocwen and PHH was involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
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:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over thirty days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates, LLC is reporting on my XXXX, XXXX  , & XXXX  credit reports that I owe them {$270.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are they even licensed to collect debts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have expressed to Transunion, XXXX, XXXX, and DEPT OF EDU on multiple occasions they are reporting debts that do not belong to me. I have no knowledge of these debts nor have I verified them. I haven't given ANYONE permission to report this information in my credit report. They continue to report false information without sending me any proofs that these debts exist or that they belong to me. I have requested information such as contracts and notes with my signature to confirm these debts but they refuse to provide me with them. It has been well over 30 days since I have requested this information yet they say " verified '' but have not proven that they have even investigated the matter. These debts are not mine.

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 2022-02-17
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 information incorrect

Complaint:
On XX/XX/2022 I gave instructions to XXXX consumer USA to redeem a tender coupon of {$1400.00} pursuant to 1693o-1. It contained the gold clause pursuant to 31 usc 5118. XXXX consumer received this 4 days later pursuant 1681n XXXX has been willful non compliant to my instructions pursuant 15 usc 1681b ( 2 ). They are civilly liable pursuant to 15 usc 1692k for XXXX for each violation. They have since furnished consumer reports violating cease and desist order stated in communication between the consumer in XXXX see exhibits. Exhibit will also show receipt of the cease and desist notice. Pursuant to 18 usc 8 I owe no debt. It's a violation for XXXX to willful furnish consumer reports pursuant to 15 usc 1681n. this company is violating my right to privacy pursuant to 15 USC 1681b 2. this company has No permission to report ANYTHING using my information pursuant to 15 USC 1681 4.

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 2017-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
USAA called me repeatedly on the following days despite my debt consolidation companyh working with their settlement department ( seperate ticket XXXX ). 

Days include : XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX, XXXX, and XXXX ), XXXX XXXX ( at XXXX and XXXX ). 

As per previous ticket, I did inform them to work with the consolidation firm. I 've also, admittedly very angrily, informed them of the Fair Debt Collection Practices Act which states that they may not harrass by calling multiple times in the same day. 

Also stated on the previous ticket, I spoke to a manager and he sent a message to the team for them to contact me at a specific time and day to sort this out and have XXXX XXXX on the phone. They did not call at the specified time/day ( XXXX XXXX XXXX, XXXX ) or the day after. Then they called again on XXXX ( today ) .This leads me to beleive that theyh do n't want to work with me on the debt, but just to harrass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: JPMORGAN CHASE & CO.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX we obtained a consolidation loan in the amount of {$21000.00} from XXXX XXXX XXXX. The loan was sold on the same day to XXXX XXXX XXXX, XXXX. However, we continued to make regular monthly payments to XXXX XXXX XXXX. On XX/XX/XXXX our loan was again sold to Providian National Bank and we allegedly obtained a {$10000.00} cash advance that made the balance balloon from {$21000.00} to {$33000.00} due to fees and interests. In XXXX the loan was possibly sold to XXXX XXXX  loan # XXXX in the amount of {$34000.00}. We have made payments to XXXX XXXX for at least 10  years ( XXXX ). We are in the process of selling our property located at XXXX XXXX XXXX, XXXX, North Carolina XXXX We are being told by the buyer/closing attorney that our property has two liens held by XXXX XXXX XXXX and Providian National Bank due to the improper or inadequate process of transferring of the loans. Please help us find the lien releases and/or letters of satisfaction on these above-mentioned loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: MO
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:
My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Equifax. They need to fix the issues about the inaccurate information for the accounts and the unauthorized account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the items that I am disputing : XXXX. XXXX XXXX {$420.00} XXXX. XX/XX/XXXXDismissed XXXX Reference number : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
As a sole proprietor of a small business, I signed up for a 0% interest promotional transfer deal with American Express.  The plan name I signed up for is "Blue Business Plus Credit Card" for the term 0% introductory APR on purchases and balance transfers for 15 months. On about XX/XX/XXXX, a balance transfer of $XXXX was transferred from my XXXX Credit Card account to  the new XXXX credit card account.  The Transfer fee was $XXXX.The balance transfer was never placed on the promotional plan, and I have been billed monthly interest with a minimum payment due amount. (See Statements for XXXX, XXXX, and XXXX).  I have repeatedly contacted XXXX to have this problem resolved.  I first contacted XXXX via phone after the XXXX, XXXX and XXXX statements were released to question the statement.  I have made repeated contacts via phone and chat since then regarding the still unresolved problem.They told me there was a system problem that caused the problem.  They were aware of it and my account would be fixed.I made $XXXX in payments in XXXX to cover the transfer fee and a little bit more.  Then, I received the XXXX Statement and the balances and interests were still incorrect.  I was told to do nothing and it would be fixed.  When it came time the bill was due, I called again, and they told me I needed to pay the minimum due, but the problem would be later fixed.  On XX/XX/XXXX, I paid the minimum due of $XXXX.  Now, the XXXX invoice continues to show the same problem.I contacted XXXX again today (XX/XX/XXXX) to complain that the problem has not yet been resolved.  They are unable to provide an ETA on a resolution claiming they are working on it.  It has been nearly 6 weeks and no resolution.This appears to be Bait and Switch.  And, this delay appears suspicious.  I say this specifically because they previously made a 'system error' claim on my personal XXXX account.  In that instance, I received notice that my APR was increasing because of bad credit.  My Credit Score is near perfect.  When I called to complain, they said it was a system problem.  They corrected that mistake within 2 weeks and included letters mailed to me indicating their mistake.During the problem identified in this complaint, XXXX has not mailed me any letter indicating there was a mistake they were working to resolve.  My chat log is the only thing I have as proof of what they have been telling me (in part since I also had phone calls on this matter).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$21000.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Collection XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$240.00} XXXX XXXX Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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 am a " documented '' victim of the 2017 data breach from XXXX. I have several inquiries pertaining to someone attempting to obtain credit. Please remove them.

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 2017-12-29
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
fay servicing. we were to get a harp loan for refinancing according to fay services. My son had a car accident in XX/XX/XXXX. I was a passenger and got XXXX XXXX which caused me to miss 4 months of work. we struggled and still made our mortgage payments but missed one for XXXX. that payment was made on the XXXX Wednesday of XXXX when my wife got her social security. I was trying to find a new job during this time. I managed to get work for the XXXX season. We missed the payment for XXXX and paid XXXX and XXXX payment on XX/XX/XXXX. I thought from everything I have read that harp loans have to be behind 90 full days before we go into default. I found a letter dated XX/XX/XXXX from fay servicing stating that we were in default on our loan and demanding immediate payment plus a XXXX dollar corporate fee. If Fay did n't get us the proper loan they did n't disclose this to us. From what I understand it is illegal for them to send those notices. They also would not even tell us who our actual mortgage holder was even though I requested this information several times. It seems something shady is going on. Also when we call in our account representative is either not in or not available. We have called every day this week trying to figure out what they are up to. No one will talk to us and XXXX XXXX our representative is not available. We want to know what they are up to. also when our loan was redone they told us we were going to get a check for the overage in the escrow account. That never happened either. Eventually they did sent it to the mortgage company and it was applied to our loan. why ca n't they just tell the truth? Any assistance you could be would be greatly appreciated. We feel they are hiding from us what they have actually done and what they continue to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I did n't receive full refund of {$25.00} from XXXX XXXX XXXX XXXX. when closing card account, as the company was going out of business XX/XX/2017. I had phone confirmation with them, that I would be paid in full {$25.00} with no further fees taken out. I received a check in mail for $! XXXX. They took our fees. 
I made numerous calls to them, based now in XXXX XXXX they told me. They said no record of phone call and would pay {$18.00}. I received new card for only {$13.00}. I told them I could have spent/exhausted that final {$25.00} amount in a store but trusted them to return full amount. The company check to me, I have not yet cashed. This happened from XXXX to now. 
I want full refund. Can you help. Thank You. 
Companies on check XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX AZ XXXX & Payable THRU XXXX XXXX XXXX XXXX XXXX, XXXX, NE XXXX

Company response to consumer: Closed with monetary relief