BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I and my wife who is now deceased as of XX/XX/2016 applied for a second mortgage and was accepted by Bank of America at 11 % Because of high interest at that time we accepted the Loan. I am XXXX years old with social security and civil service pensions, Since my wife is deceased I no longer have her income to make payments. I recently applied to Bank of America at XXXX XXXX XXXX XXXX FL XXXX, XXXX for a loan modification to reduce my interest rate and payments, and was refused. I believe that the reason that the bank refused was that I am XXXX XXXX with a postal address in a city of predominant XXXX population. My Post Office zip code is XXXX XXXX XXXX IL, although my home is physically located in XXXX Illinois. I believe that all of the homes located in XXXX XXXX XXXX are appraised below their actual value because of XXXX occupancy. I am a veteran with service twice and am XXXX  XXXX XXXX XXXXXXXX.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: MS
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:
This loan company reports charge off of $ XXXX on a $ XXXX loan. Car was given back in XXXX. When I called loan company in XX/XX/2023 I was told car was sold.Was never told amount it sold for.Credit report says my balance is {$14000.00}. If car was sold how is my balance still the same as when the car was given back to them. I need them to report correct amount owed on all 3 credit reports. They also need to have repossession removed on credit report as I gave car back to 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 explanation
Consumer complaint received 2023-09-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On the XXXX of XX/XX/2022 I deposited my check thru mobile phone deposit. Received an email same day later on saying I didn't have enough info. Provided info they requested and redeposited. A little later they canceled my deposit without my authorization. So I then redeposited and they said I wouldn't receive my money until the XXXX of XXXX XXXX  days after the fact. Argued with them for days trying to get my money because I have rent and kids to feed and bills and they held my money like that. Anyways was fighting a loosing battle kept getting the run around and borrowed some money from family to feed my boys waiting on my money in the XXXX the XXXX they closed my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i open an account with XXXX XXXX XXXX in XXXX the the account was charge off in XXXX seems like the debt was sold to many debt collecting agency, XXXX XXXX file a judgement against me in XXXX for missing a court date which i dont know about, are the court serving me any summons. 
i was in court XXXX of this year where the court set a date for XX/XX/XXXX, XXXX XXXX send me some documents which was a bill of sale and a chain titles, which was not print properly and one of the document has no signature, and exhibit A document is missing to show who really owns the debt. 

i went to court XX/XX/XXXX because there was a judgement the judge refuse to see the faulty documents, and i have to return to court XX/XX/XXXX for a payment review, also the same company XXXX XXXX XXXX sending me a new credit card in the mail i would your consideration of this matter thank! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had Navient student loans and when i was in default years ago was pressured to consolidate them. I see Navient was sue and i have never heard from them on the lawsuit settlement. I was pressured to consolidate them but i can not l find how to contact them. When it appears they were to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
State: TN
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 have been put through pure XXXX from the moment I joined credit karma several years or more back my information was leaked out and my number turned up on the dark web. My medical records were comprimised I am XXXX and filed bankruptcy in XXXX I have been issued credit cards and for 2 years have made my payments on time credit karma keeps sending me offers to my e-mail for cards and institutions that I already have accounts with also loan offers from company 's like XXXX XXXX who did credit report searches on my on 3 different occasions when it should have just been 1 time and sent me offers saying that applying would not cause my credit score to go down when it did I am at my witts end I suffer from a XXXX XXXX and was thrown out of my residence of 5 years during the pandemic when I was not even behind on my rent and was sick and then having to file bankruptcy and then getting my credit back on the right track I had my credit score up to 635 and now it is in the mid 500 's because of all the inquires that I was told would not happen plus I took out a loan from a company that got my address from credit karma that turned out to be a line of credit and charged me a 325 % interest rate please help me I am a veteran and XXXX and this is killing me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: FORD MOTOR CREDIT CO.
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XX/XX/XXXX, this is the first time that I found out somebody had hacked into my Bank of America debit card and multiple unauthorized transactions also happened. I lost {$980.00} that day so I immediately filed a claim regarding to fraud. The card was never stolen, it was with me the entire time but I did not use it at all. My debit card only had {$3.00} left at this point. The bank gave me their word promising that Ill get my money back and they will have a resolution within 10 days. And they canceled my debit card and renew a new one for me. 
However, between XXXX XXXX, my new debit car was has been compromised again which I do not leak any of my information to anyone ever. At that point, my account had XXXX XXXX left. So I filed a new claim because my money was still kept on getting scammed. And bank of america has done a poorly job to protect their customers security.

Today, Bank of America denied my claims saying those transactions was pinned and blaming them on me. And Ill will not be getting a refund but like I said I did not do all the transactions at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27
Company: Experian Information Solutions 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:
On XX/XX/2018, I received a notification from XXXX, an OMP cyber   incident monitoring service which identifies possible fraudulent activities on one or more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to Experian to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

Experian refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.

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 2021-01-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I contacted Navient 's rate reduction program department on XX/XX/21 explaining to them that I still have limited work and my income has been drastically impacted for over a year. I asked if I was eligible for temporary interest rate reduction so I could have more affordable monthly payments and still be able to pay my loans down. I explained since I had to extend these loans out the total payments since loans dispersed would be over 40+ years. They stated I have used up my interest rate reduction allotment, unwilling to accommodate even though I stated other private student loan services were able to. They only offered me interest only option which perpetuates this cycle of debt without allowing me to affordably pay down some principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: MO
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:
Recurring dispute of medical collection item, XXXX XXXX on behalf of XXXX XXXX. In XX/XX/2023, I mailed a request for verification of debt. Neither company responded. As a result, I submitted a CFPB complaint in XX/XX/2023 which the company has yet to provide verification. The problem arises, because I have also disputed this bogus account with all ( 3 ) credit reporting agencies, and somehow the credit reporting agencies and XXXX are validating the debt. I don't understand how the debt is being validated when it is approaching ( 4 ) months of no response to my validation request. This is a blatant violation of consumer rights. XXXX, XXXX, and Experian- should not be accepting validation of this debt. I want this account removed. I have attached a timeline record.

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 2021-07-13
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
RE : XXXX CARD XXXX Never late on this account. Paid as agreed. On time. 

Over thirty days ago, I wrote to Credit Bureau my disputing letter for account above. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This XXXX mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these items have been removed. 

Thank you for your attention to this matter. I await response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CCS Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in XXXX an XXXX Account was fraudulently opened under my name. 
I contacted CCS Collection Agency and provided all the information that they requested along with an identity theft report to their XXXX Fraud Department, unfortunately I continue to get the run around and claims of missing documents requested. 

I also submitted the same request to all three credit bureaus with success of the collection removed from XXXX XXXX and XXXX. XXXX  acknowledged and removed the address of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Ma XXXX which happen to be the address XXXX is stating the service was rendered. Please help me with this issue. I'm trying to repair my credit ; also value and take my credit seriously. Thank you you very much. I appreciate all your help. 

Kind regards, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Experian did not fulfill their obligation and GRAVE responsibility. Experian acted in an unfair manner and was partial. Furthermore, Experian did not hold respect to my right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They never had the right to start the report nor did I give Experian written or other expressed consent or permission to start this report from the beginning.

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 2018-11-27
Company: ALLY FINANCIAL INC.
State: GA
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:
Between XX/XX/XXXX and XX/XX/2018 there were 7 different inquiries that posted to my credit report that I did not authorize. I sent letters to each company for an explanation and have not received any correspondence as of yet.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: IN
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-10-03
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Leasing company was fully paid off in XXXX and in XXXX they reported me to the credit Bureaus as delinquent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Midwest Recovery Systems
State: ID
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:
Last week I checked my credit report to find that I had a new collection account from Midwest Recovery Systems prior business being XXXX XXXX XXXX XXXX. I have never done business with either of these entities or given authorization for a loan. They claim the account was opened XX/XX/ 2018 for {$800.00}. I never received {$800.00} from anyone or business nor have I applied for a cash advance. This claim is fraudulent and needs to be removed ASAP. I have not contacted either business for the fact that it could be a scam and I do not what to give them any personal information.

Company response to consumer: Closed with explanation