BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
Company: EQUIFAX, 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:
XXXX XXXX, Equifax, and XXXX  furnished my consumer report without my consent and infringed on my right to privacy with two accounts on my consumer report XXXX XXXX XXXX XXXX XXXX for {$25000.00} and XXXX XXXX XXXX XXXX for {$100.00}, violating 15 USC . 1681 ( 4 ), 15 USC. 1681b ( a ) ( 2 ) ( B ), and 15 USC. 1602 ( l ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have had a continual struggle with the Dovenmuehl Mortgage servicing department regarding every payment that is being made since the inception of this refinanced loan. They consistently call after my uncle has made every payment and out of confusion, sometimes he's been tricked into making multiple payments ( he has early onset XXXX ). I have sent the entity a certified mailing months ago to set up the uto payment, we have spoken to them twice about it on the phone, YET, the collections department continue to call and send early default mailings. Please do call me at XXXX for additional information. thi si XXXX outright Elder abuse and I WILL sue the pants off this company. I am a XXXX XXXX XXXX, and I hve over 30 years inj XXXX  and XXXX. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX Account Number : XXXX Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I spoke to someone over the phone about 2 years ago and this is for a debt from XXXX, which is more than 7 years and was inflated from XXXX $ which was my credit limit on the paypal credit to over XXXX XXXX I have been threatened to be sued, called numerous times, letters in the mail. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I'm not enrolled in overdraft protection, and never been to avoid been charged extra fees as I'm a single mother and only income in my home. I've being dealing with wells Fargo for a long time and unfortunately there is never a definite solution other than returning the fees collected and only if I complain about it. This last month the bank charged me XXXX in overdraft fees and they are refusing to return that money. Instead of declining transactions as it should be when funds are not available they keep approving them in order to collect fees without my consent.

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 2020-07-09
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company by the name of Sequium Asset Solutions placed a collection notice on my credit report on or about XX/XX/XXXX. They did not list the amount and this was the first I had heard of this. No prior notice of any kind. I contact the company and they said it was for {$210.00}. and was for cable service to a address that I have not lived at since XXXX. I ask that they provide me with a validation of debt of they said they could not do that. They had no information of what the debt was about. Then I ask this to be removed from my credit report until it was determined to be a valid debt. I told them I could not confirm or deny the debt without additional information, but they stated they had no other information in the file. I requested once again that they removed the collection notice from my credit report until the validity of the debt was confirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: FL
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:
After relentless effort to have an entry removed from my credit report as it is IN ERROR, the Florida OFR was FINALLY able to get the company XXXX XXXX to admit their error and agree to delete from my report. In a letter dated XX/XX/18 from XXXX, a request for deletion to all 3 credit bureaus was submitted. Ironically, Equifax is the only one who has NOT removed the derogatory information, It has been almost 4 months and it still remains. I honestly believe this CRA gets a thrill or may be a kickback of some sort by NOT removing negative information albeit INACURRATE. I had previously disputed with them on several different occasions and item always came back as verified accurate. Funny that the company has admitted otherwise ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2017-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a safe deposit box at Bank of America in XX/XX/XXXX or XX/XX/XXXX. The safe deposit box was subsequently closed and the keys were surrendered in XX/XX/XXXX. At the time of the closure, they were unable to find the documentation to close the safe deposit box ( I believe it was my original signature card ). In XX/XX/XXXX or XX/XX/XXXX, I received a notice in the mail saying that I owed a balance for the safe deposit box, and was told by a customer service representative when I called the XXXX number that I needed to contact the branch directly. I spoke with a teammate at the branch and was told that they would research the issue and follow up with me. I called back a week later and was told the same thing. On my third attempt to resolve the issue, I was told that my records were found, and the issue would be corrected. Also I was told that I would be sent a confirmation of closure via mail. In retrospect I never received the confirmation via mail, but as I was told the matter had been resolved I did n't think to follow up again. Today I received another Payment Notice for the safe deposit box with an outstanding balance of {$350.00}. I have n't accessed this box in over a decade now and the last time it was accessed was to validate that it was emptied and surrender the keys. I remember there being an access log, and it should show that I have n't accessed the box since XX/XX/XXXX or earlier. Massachusetts echeatment rules for safe boxes state that after one year of delinquency the bank should send me a 60 day escheatment notice, and escheat the contents to the state. Why am I still being billed for a safe deposit box that has been dormant for over 10 years AND that I closed 10 years ago? I do n't know what records are actually available for the account but certainly there should be record that this account has been dormant for over a decade and that I 'm still being billed for it. This is unfair : the bank is intentionally not closing the box to continue accruing rent. It seems very deceptive. The box should have been closed out years ago and regardless the bank should not have charged me for rent year after year for a delinquent box.

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 2018-12-05
Company: First Technology Federal Credit Union
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by XXXX XXXX XXXX for a old debt. I am currently disputing the debt with them now. However, they have recently falsely reported inaccurate dates of the debt. They have re-aged the debt to have it appear to be a new account, knowing that this is a old debt. I believe this is an attempt to stop me from getting a proper accounting of the debt through my dispute process with them. This deliberate attempt by XXXX XXXX XXXX is illegal, I have no problem paying monies I lawfully owe, but their attempts is to bully me into paying a debt amount that has not been verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a pending charge on my Navy Federal credit card on XX/XX/2018 for {$63.00}. 
I called NFCU and spoken with XXXX who stated that they have to wait until it posted before taking any action. She was not helpful as I emphasized that this was an unauthorized charge of {$63.00} for XXXX antivirus subscription renewal that I was unaware of. 
In addition, I never rcv 'd an email from XXXX regarding this renewal. 
I also never rcv 'd any service from XXXX either. 
On XX/XX/2018, I viewed my cc charges on my phone and saw the charge was posted for {$63.00} and no action was taken by NFCU as they said they would do " something '' to remove and investigate this charge. 
I contacted NFCU again, attaching proven emails that I have contacted XXXX   and their 3rd party vendor XXXX. All parties, XXXX, XXXX and NFCU, are not cooperating with my wishes to refund my money and investigate this fraudulent transaction of XXXX..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please help me, I have disputed previously a couple things with Experian, provided them my ID 's so they can process, XXXX XXXX XXXX which is my legal name, there are so many AKA 's it 's crazy I want all removed. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE

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 2021-05-30
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written Caine and Weiner about a collection on my report asking them to verify this debt as mine. They have not sent back any proper paperwork showing this is mine. They sent a bill, which anyone can make up a bill and send.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This account is in dispute. This is the 3rd collection agency who has contacted me and I have said this account is disputed an not owed. My insurance company made a mistake and these claims should have been paid to the XXXX XXXX ( XXXX XXXX ) 100 %. If anything is reported onto my credit I will be initiating a lawsuit regarding FDCPA, and FCRA violations. Not to mention opening a case file with the Indiana Secretary of State. I dispute this debt and wish that this company no longer contact me and close my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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: Account status incorrect

Complaint:
XXXX XXXX is listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.

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 2017-07-31
Company: Debt Management Incorporated
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capital Recovery Systems left two ambiguous voicemails on our answering machine for my wife. Did not leave company info. Message implied that something bad would happen if caller was not contacted by XXXX XXXX. I called the number that was left on the answering machine. Woman who answered phone said her name was XXXX XXXX. I asked her to identify the company or agency she was with. She refused. She used the callerid information to identify me and deduced that I was calling about my wife. Being concerned about identity theft or another scan I requested that she give me her company or agency name at least 20 times. I said that I would report her call to the FBI as a possible scammer. She still refused. Eventually I brought my wife into the room and we both talked with XXXX via the speakerphone. XXXX then revealed her company name, Capital Recovery Systems, and that she was calling about a debt. She said that we had to pay the debt before XXXX or be marked as refusing to pay. I asked if they had sent a written notification and XXXX said they " just sent it ''. We do not appear to have received such a notification. There was no information give to us over the phone about a right to dispute the debt. We were then asked how we planned to settle it. We told XXXX XXXX that we would address the matter once the written notice was received. She said we 'd be marked as refusing to pay the debt. I told her that we would reporting her company to the FTC. We reached XXXX XXXX at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom It May Concern : Bank of America is illegally withholding my money from me. 

Due to XXXX related economic XXXX, I was one of the many hard-working Americans that needed to make the tough decision to make available some of my retirement savings so that I can continue to pay bills and be on-time with my monthly payments. 

After liquidating XXXX of my accounts with XXXX XXXX on XX/XX/21, they sent me a XXXX XXXX check for the amount {$10000.00}. This was the money that would keep me afloat during this difficult time. 

I promptly deposited this check at my local Bank of America XXXX on Friday, XX/XX/21, with the understanding that money is usually made available within 2-3 business days to ensure the check clears and verify the funds available. 

I received notification later that night that the funds were going to not be made available until XX/XX/21. This is a seemingly arbitrary XXXXday hold. 

After speaking with representatives with Bank of America, they are unwilling to remove this hold or shorten this hold. I offered to bring XXXX XXXX into the conversation to ensure the funds were there. I offered to provide receipt of the account I liquidated with XXXX to provide proof the funds were not obtained illegally. 

Bank of America is doing nothing to help me. And my thought is that this can not be legal. This is my money. My money needs to be made available to me within a reasonable amount of time. XXXX days is not a reasonable amount of time. 

There are XXXX calendar days between now and the end of the month.This is more than enough time to verify whatever Bank of America needs to verify. XXXX days will make me late on my all my monthly obligations, including ( ironically ) Bank of America for my car loan. 

Fix this problem. Release the hold my money. It's my money, not yours. And you're illegally keeping it from me. 

Sincerely, 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 2018-06-29
Company: Navient Solutions, LLC.
State: WA
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:
Dealing with Navient has been incredibly stressful and difficult. Their staff is condescending. At one point during a call, I had to set guidelines on how to communicate with the representative because he was unprofessional. While this conduct was reported, nothing came of it. Yesterday, I called XXXX XXXX for advice. I found out that I would have qualified for a low income driven plan all this time, but Navient never offered me this option at all! They kept putting me to deferment until I wasn't eligible for anymore deferment. I've explained to them that I'm currently working part time and on gov. assistance. I also submitted a economic hardship application which they did nothing with it. So yesterday, I filed for consolidation with another service provider including with an income driven payment plan. Navient is irresponsible and took advantage of situation. They took advantage of a consumer who knew very little about her options and did not present any other options other than to forcibly collect debt. While i asked if there was any other way, they told me no. They have robbed me from my options and rights to know by withholding information such as the income driven payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is NOT reporting the correct dates, balances or statuses of this account correctly.

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 2018-12-05
Company: Financial Credit Service, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX-XXXX XXXX  ( XXXX  ) XXXX-XXXX They called me from this number and said they had a debt to collect. They had my social security # and information. I immediately checked my XXXX   credit report and saw that they pulled my credit without my permission. I also saw that I do not owe anything to anyone except my mortgage company and XXXX for my student loans. I do not use credit cards, they have been paid off for about 10 years for me. Do not give in to these people, check your own credit and stay on top of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: NV
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2019-08-09
Company: Innovis
State: AL
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:
I received a copy of my credit report on XX/XX/2019 and noticed this inquiry that I did not authorize. On XX/XX/2019 sent the creditor a dispute letter asking for proof of authorization and they sent a stalling letter asking for the same things that I sent in the original letter.

Company response to consumer: Closed with explanation