BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX who has been granted a Durable Power of Attorney ( Copy Attached ) by my sister-in-law, XXXX XXXX XXXX, to assist with her issue with Experian. 

On XX/XX/2022, a conference call was convened that included XXXX XXXX and me along with the collection agency, XXXX XXXX XXXX XXXX XXXX  ), reporting the derogatory markers that diluted the credit scores for the three national credit reporting agencies. The XXXX  representative agreed that there was a need to properly validate the legitimacy of the claimed amounts due as reported on XXXX XXXX credit profile. During the telephone call, the XXXX representative was unable to supply proof of the debt. Further, XXXX XXXX states that she had never received any statements or applicable communication regarding the debt, and was unaware of the claim until she performed a routine check of her credit profile. 

Immediately following the call, I immediately confirmed the conversation in writing and advised XXXX of their requirement to adequately prove the alleged debt as required by the FDCPA prior to attempting to collect the claim. I also placed Experian on notice of their requirement under the FDCPA of their requirement to either substantiate the debt or remove the affected derogatory markers. To date, neither XXXX nor Experian has made any correction to this matter or otherwise communicated with us. 

Further, Experian misclassified a HELOC loan as a credit card, inflating the credit card capacity ratio from the actual XXXX XXXX to an excessive and incorrect XXXX XXXX. 
The combination of the derogatory markers and incorrect capacity ratio calculation has severely diluted XXXX XXXX credit score to XXXX as of this writing, when the actual score should be in the mid 700s. 

More than thirty days has elapsed, and despite follow-up efforts, Experian has not removed the delinquency markers from XXXX XXXX credit profile, nor has the capacity ratio been corrected. It is noteworthy that XXXX XXXX has removed all of the derogatory markers from XXXX XXXX XXXX XXXX profile and properly calculated XXXX XXXX credit card capacity ratio with a score as of this writing of 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 non-monetary relief
Consumer complaint received 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One is saying I owe them {$1900.00} from a credit card that was opened on XX/XX/XXXX account # XXXX We are in the process of litigation because they can not provide verification of debt. While printed out my credit report needed for court on the XX/XX/XXXX, I noticed Capital One had created another entry on my report bearing the same account number, but was opened in XX/XX/XXXX for the sum of {$1600.00} and had been closed due to serious delinquency. This did not happen.. And on XX/XX/XXXX, Capital One sold this same debt of {$1600.00} to XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX To Whom It May Concern : Re : XXXX XXXX XXXX : XXXX I would like to bring to your attention an invoice that I received from XXXX XXXX the amount of : XXXX. I called XXXX during the week of XXXX XXXX, XXXX informing them that I am moving to a new apartment on XXXX XXXX, XXXX. I told the Customer Service Representative ( CSR ) that I would like to transfer my XXXX service to my new address but was informed that XXXX at this time does not provide service to my current location. The address where I had service with XXXX was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. I informed the rep that I will be moving into my new apartment on XXXX XXXX, XXXX XXXX Please find additional evidence ). And therefore, would like to have my service disconnected. The CSR informed me that XXXX is planning on having services at my apartment building and if I disconnect the service I would have to pay the reinstatement fee all over again. I told the CSR that XXXX does not appear to have a definite date as to when it will be providing service at my apartment building ( To date XXXX is not providing service ). Hence, I requested for them to end my service on XXXX XXXX, XXXX. I called the CSR again to get my final bill, the XXXX subtracted the XXXX and gave me the remaining balance of what I need to pay which I paid via the automated system. 
Some weeks ago I started receiving calls from the XXXX collection Department informing me that I have an outstanding bill of XXXX, I told the CSR that I just paid the final bill, the CSR informed me that the credit for XXXX that the CSR submitted was rejected by XXXX because my services was not disconnected until XXXX XXXX, XXXX even when I was calling in weeks before, they have telephone calls, and messages where I spoke with a CSR and evidence showing that I had no service at the time, XXXX choose to ignore all evidence and bill me instead. Yesterday, I received a call from a XXXX XXXX, XXXX has sent the bill to Southwest Credit System, ref # XXXX. 





I am therefore, reaching out to the Consumer Financial Protection Bureau for assistance. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: BB&T CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Around XX/XX/2017 I filed bankruptcy on all my debt excluding my current auto loan with BB & T, However my credit report ( XXXX ) shows that car was included in bankruptcy. I have continued to make car payment on time. I still can log into BB & T account online which shows payment due, payment paid, interest amount taken, but statements stop on the online account around time of bankruptcy. I have only recently noticed this when I applied for a credit account at my bank. I logged into my BB & T account and sent email to customer service concerning this issue and have not received any response.

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 2022-01-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Thursday, XX/XX/XXXX. I went to the XXXX XXXX XXXX of Citibank at XXXX XXXX  XXXX XXXX. Where I have a safe deposit box. There was a sign saying " temporarily closed. '' It suggested I go to XXXX, which would not help me as my safe deposit box is here. 
The next morning, XXXX XXXX, there was 8 inches of snow. After digging out, I called the bank to see if they had reopened. The number actually sent me to another branch. A recording said " all representatives are assisting other customers '' and referred me to a general customer service line. I waited 26 mins for a representative who assured me that she would get in touch with someone at the branch. After 18 minutes and several I need to place you on a brief hold, '' assurances, she told me she was unable to contact anyone who worked for that branch or anyone who could access that branch. That was it. 
I went back to the website because I thought that maybe someone from another branch could help. It actually referred me to XXXX XXXX XXXX where again " all representatives are assisting other customers '' and the referral to the general customer service line. I could not do this any longer. I had to get my pre-flight Covid test. 
So now I find myself leaving the country for 10 days with no jewelry, and no credit cards because they are in my safe deposit box where I thought they would be safe, not inaccessible. Fortunately, I had my passport because I had misplaced it in the house. If they were going to temporarily close the branches because of COVID 19 lack of foot traffic, why did they fail to notify the clients of this decision? How can they just hold my possessions, charge me a fee to do so, make my possessions inaccessible and fail to keep me informed? Had my passport been there, I would not be traveling tomorrow. As it is, they have put me at a tremendous disadvantage. I am carrying a large sum of cash but not enough if something really goes wrong. That is unsafe. Also, I have to deal with changing currency. All of this causes unnecessary inconvenience and hardship for me. What if I needed my deed, the title to my car, the power of attorney for each of my adult children? How is it possible that no one at Citibank has any answer for me other than to refer me to a number that sends me to a service representative that can not help? The alternative branches can not help because they never pick up the phone. Chat can not help because for this matter you need to speak to a representative. I am paying for access to a safe deposit box to which I have no access. 
I need to know when I can have access to my possessions. Citibanks behavior is unconscionable, irresponsible, dismissive.

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 2022-03-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Community loan services LLC. 
I send XXXX XX/XX/XXXX, {$2000.00}, to my mortgage principal, and they talk me they destroyed my check whit out tell me, they said is not supposed to be made on two checks, I did the extra payment OF {$2000.00} by the phone XXXX XX/XX/XXXX {$2000.00}, I send the extra payment on check, XXXX XX/XX/XXXX {$2000.00} to my principal, every month I must to call them, and ask to applied thru my principal, this bank do not want to applied as is on my mortgage documents, they put it on unapplied funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: The Bureaus, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the bureaus a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021. in regards to inaccurate accounts with The Bureaus i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: NV
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:
On or around XX/XX/XXXX : I sent a dispute letter to Experian for reporting an " unknown '' account that is reporting negatively on my credit report. 
Experian responded that the account has been updated and verified without any investigation or proof thereof. 

On or around XX/XX/XXXX : I sent a 2nd dispute letter to Experian requesting deletion of the negative " unknown '' account and requesting documentation proving ownership of the said negative account. Experian responded that the account has been updated and verified without any investigation or proof thereof. 

On or around XX/XX/XXXX : I sent a 3rd dispute letter to Experian again requesting deletion for failing to accurately report the " unknown '' account. Experian was notified that they were reporting different years and dates under the Date Of Last Activity and to delete for inaccuracy and re-aging violation. Experian responded that the account has been updated and verified without any correction of violation. 

On or around XX/XX/XXXX I sent a 4th dispute letter to Experian again requesting deletion for " unknown '' account for failing to report a " disputed '' account in the comments and remark section of my credit report. Experian responded that the account has been updated and verified without adding remarks and without any investigation or proof thereof. 

On or around XX/XX/XXXX I sent a 5th dispute letter to Experian again requesting for deletion of " unknown '' and " unverified '' account. I requested the Method Of Verification showing me actual documentation bearing my signature when this " unknown '' account was opened as required in section 609 of the FCRA. 
Experian responded that the account has been updated and verified without any investigation or proof thereof.

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 2022-03-11
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
While attempting to pay a bill, I notices several deductions ranging from {$500.00} to {$10000.00} were made by someone other than account holders. I informed Truist bank. Truist is a bank that was created as a result of BB & T merger with Suntrust. I was formally with Suntrust. 
A fraud claim was issued for my checking account. Checking account put on hold. New account created and money left in account placed on hold was transferred to a new account. I can not pay bills through my new account. It doesn't show up when I'm in the Pay bills section. I have called Truist on several occasion and have even gone into the local branch. 
At first I though it was fraud but after hearing customers on XXXX XXXX XXXX it appears to be a internal banking issue. 


See attached.

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 2019-09-25
Company: Regional Mediation Associates LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2019. I received a call from XXXX XXXX XXXX XXXX XXXX, from Regional Mediation Assoc. # XXXX. # XXXX, # XXXX. Stating I am being sued for money owed. with case # XXXX in the amount of {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently 90 days behind on my mortgage and have been attempting to reach a Loan Care loss mitigation specialist for 30 days. Loan care put me in a repayment play that I was unable to maintain. When I attempted to call I was hung up on multiple times. I called on XXXX at XXXX pm. XXXX at XXXX, XXXX at XXXX. and XXXX at XXXX. each time I was placed on hold and disconnected. Today I submitted a 21 page fax to their loss mitigation fax line as the only two ways to send it is via mail of fax. I included my pay check stubs, lease agreement, proof of other income including child support and Notary work. I also included the expense form and complete application and letter of explanation. I tried to log into the company website today to make a payment but they have cut off my access to do so. I need help reaching a person to work this out. I have consulted with a XXXX attorney and will be filing a XXXX XXXX if they are unable to help me save my house. I reviewed the FHA modification information and I qualify for a modification but I am angry that they keep giving me wrong 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 2022-03-11
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX  Date of inquiry XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our account was hacked through a scammed XXXX transaction on XX/XX/2021 for {$2900.00}. Within hours of the fraudulant withdrawal, we went in person to our local branch to stop the transaction in the same business day. We have made phone calls and written letters all of which have been denied. 

Our understanding is that fraudulent XXXX transactions are covered by 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 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE BANK USA N at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. I've called to ask if they could remove a 30 late payment due to me being affected by Covid- 19. unfortunately I was laid off from my job. whenever I would call I was told they could not help me in the time of need. its stopping me from purchasing a home for my kids & i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: Genpact Limited
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Re : Account # XXXX Amount {$180.00} To whom it may concern I did not receive my last two Re-file Prescription, two times I called XXXX XXXX and they said they were going to looking to the issue, but they never ever called or follow up with me. 
After talking to post office and my postman, they did inform me that, there are so many packages are missing in my track due to theft and after doing more investigations my neighbor couple doors down caught the thief with security surveillance camera ( see attach two photo ) I called XXXX XXXX and explain the situation and told them we do have the police reports as well, XXXX XXXX told me they will have my Re-file Prescription send over again but they never did, Now I am getting this none sense letter which is absolutely unfair, XXXX XXXX is the one at fault for not following up and report inaccurate information to agency, XXXX XXXX never contacted me after I contacted them three ( 3 ) times I am sending this letter with USPS certify mail with pictures attach, for unfair Collection and if I get harass by this agency or any other agency regarding this unfair collection I will exercise my federal Fair Collection Practices Act Rights XXXX XXXX Tuesday, XXXX XXXX, 2017 CC : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation