BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
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: Information belongs to someone else

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank 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 2021-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 found out there are some negative elements that are hurting my credit history, those elements do not belong to me. 1. XXXX Date of inquiry : XX/XX/2021 2. Collection Account NumbeXXXX : XXXX 1. XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
In 2020 we hired a company to purchase and install blinds throughout a new home purchased. The XXXX company didn't finish the job and what they did provide was seriously unacceptable. We tried to contact them many many times with no response. 
We began to get collection bills in the amount of {$5000.00}. When we called the collection company we were getting no response. We'd call and be left on hold for over an hour. 
When we finally got through and explained the problems we had they said they would research. Never got any resolution and found out the XXXX company had gone out of business. When we went to refinance our mortgage we found out the collection agency had filed against us with the credit agencies. I had perfect credit even through Covid-19 I continued to work and was then denied because of this charge from that collection agency. Filed a complaint with all the credit agencies and they said they would check out the issues. Never heard back and then they said all would go away if I just paid the {$5000.00}. I tried to be reasonable but why should I pay for defective and missing product. I am trying to refinance my mortgage in order to buy a a new business and home. I am trying to move on from the terrible position the Covid-19 left all of us in this Country in. This is just not fair. How can we help move this Country on if these collection agencies and mortgage companies just don't care.

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 2022-07-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DATE XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection account.

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 2020-06-17
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for a credit card from Citi on XX/XX/2020. I received the card a few days after approval. I used the card normally until I received a letter in the mail stating " We tried contacting you about suspicious transactions on your Citi Double Cash Mastercard account ending in XXXX but were unable to reach you. Until we hear from you, future transactions maXXXX be declined. '' I never received a call or a mobile alert stating this. I reached out to customer support and they said they needed to verify my identity before unlocking my account. The methods used were : Demanding I have or get a landline in my name because my wireless account " is not registered in my name '' and to contact XXXX to update the record. Which I did, still did not work for the verification. Next was for me to read them every credit card number I own. Since I have not had any of the cards longer than 2 years, that verification method did not work. Next, they wanted to call my employer, but when I provided the contact information, they did not want to verify using that method. Next, was they wanted my entire social, I obliged and they stated they could not verify me and that a letter would be sent and to give them a call when I receive it. It has now been over a week and I reached back out to customer support to inquire the status of the letter and the representative informed me the letter has not been sent and to wait another week for another letter. My account has been locked and the bill for the account is due in 5 days which the letter will not get here in time. I have requested to speak to supervisors and even their manager to no avail. I do not know how you can verify and issue someone a credit card, let them spend money on the card, and then state they have no idea who they are.

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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 account do not belong to me. Please remove the negative items as soon as possible they are hurting my credit. 

1. Identity Theft BK OF AMER Account Number : XXXX This is 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 explanation
Consumer complaint received 2021-12-16
Company: AFNI INC.
State: OH
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 second time disputing the following accounts : -XXXX XXXX XXXX  XXXX XXXX # XXXX -AFNI, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I had a lease with XXXX from XXXX - XXXX. The lease paid off early by our insurance company in XX/XX/XXXX. XXXX started reporting Collection/Chargeoff on our reports for XXXX and XXXX of XXXX My husband called to rectify the issue. XXXX fixed the errors on all the Reports except for my Transunion where it is still Collection/Chargeoff and is hurting my credit dearly.

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 2021-12-16
Company: TRANSWORLD SYSTEMS INC
State: IL
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, the consumer received a disrespectful debt collection letter from NATIONWIDE CREDIT , INC. attempting to collect a supposed debt. The debt collection letter stated that Nationwide Credit , Inc. is a debt collection company. With that being said, Nationwide Credit , IncXXXX are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Nationwide Credit , IncXXXX violated 7 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2016-09-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I originally bought this house through XXXX, which was sold to XXXX XXXX XXXX. Now it is owned by Shellpoint mortgage. On or about XX/XX/2015 I called shellpoint mortgage to tell them I had just gotten out of XXXX, and was 3 months late on mortgage payments. I asked if they could tack it onto the end of the loan because I had no way of catching up on the 3 months due to my XXXX and the recent divorce. They told me I could do a loan modification. After about 10 months of working on this loan modification, I started getting getting threating letters from shellpoint and contacted my congresswoman XXXX XXXX. After getting a person from XXXX ( XXXX XXXX ) to call shellpoint, she got it under control again and we were going to do the loan mod with another person at shellpoint. I was happy to get another person. XXXX XXXX took over the loan modification, after about a month of sending in all the paperwork in for the umteenth time, she said it was all there and off to the underwriters for a decision, she said it will take approximately 30 days. I left messages for XXXX XXXX for 3 weeks every day to have her call me, she would not call me. I told XXXX XXXX that I would not deal with anyone but her, so everyone but her called me everyday, and everyday they called I told them to let me talk to the loan modification officer XXXX XXXX. Since that time shellpoint will not accept money from me and they will be trying to foreclose on me and that was almost 3 months ago when the loan modification should have been approved or denied. 
Friday I was sent a letter from shellpoint that says " notice of default and intent to accelerate '' To top all this off they are asking for all monies to be paid in full, well I still do not have the 3 months that I was behind, but I still have the money they have been sending back to 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 2019-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was given a check drawn on Bank of America by my son who has banked with them for several years. It was the repayment of a loan that I had given him a few weeks prior. I took the check for {$1500.00} in to a local Bank of America with my drivers license and they refused to cash it unless I opened an account with them and waited 7 days until the funds would be available for withdrawal. I pressed them that they should call my son to verify that he wrote it to pay his mother which she did. HE TOLD THEM TO CASH IT AND CHARGE HIS ACCOUNT THE {$8.00} FEE that they would have to charge me because I don't bank with them. The manager told me that the only way she would cash my check is if I paid the {$8.00} and give her 2 other forms of identification not including my drivers license. efused because I could not understand why they would need a copy of my house payment ( bill ) or electric bill or even a XXXX   charge card. 

I would like to know why these banks are allowed to exploit people WHO DON'T BANK WITH THEM by charging fees for absurd reasons just so they can boost their profits and to XXXX with the poor old XXXX individuals who don't see another way to cash checks given to them as payment for a service. I retired from one of the bigger banks in XX/XX/XXXXafter 30 years of witnessing all kinds of fraudulent activity. These methods where banks are coercing people to bank with them by using these schemes should be condemned and ruled illegal at the least.

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 2022-07-24
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is attempting to collect a disputed debt that is presently being investigated by the XXXX Atty General and several other entities. This is related to a Navient XXXX loan, which I have also filed a complaint against with you, due to their repeated violations of the Fair Debt Collections practices Act ( by disregarding 2 cease and desist letters issue to them ). In addition to Navient continuing collection calls, they have turned this disputed account over to XXXX XXXX XXXX in an effort to collect and harass me about this disputed account. They called me repeatedly - 11 times on XX/XX/2022. This is clear violation of debt collection laws and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Cardinal financial has mislead our family so many times over the course of a few months while working with them to obtain our home loan. They have requested documents which are NOT required as this home is a VA loan and some documents simply do not even exist. We were approved based on accurate information we gave, then we are days from closing XXXX we are being told they now require documentation that was not initially required, nor is it a requirement of the VA funding process. Our family who is a military service family has already invested nearly {$1000.00} in this process. I want Cardinal financial to be held accountable for not only what they have done to our family, but also I would like for their offices to be investigated as we are not the only ones to have this happen. We have emails, and documentation including recordings ( allowed in AZ ) to further prove our claims. 

Thank you for your help in this matter XXXX and XXXX 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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Complaint : ( XXXX ) account # XXXX violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXc-section b. XXXX XXXX Transunion, and XXXX, must remove all information reporting from and relating to ( XXXX ) account # XXXX third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section b.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX XXXX, we submitted a complaint to you ( case # XXXX ) about a wrongly reported open mortgage balance on our credit reports. That mortgage had actually been paid off in XXXX XXXX. Ocwen - the company that had reported the above on our credit reports - acknowledged their mistake and confirmed in writing that they would make the correction ( their confirmation # XXXX ). Until today, six months later, all three credit reporting bureaus still report that we were in serious delinquency in XXXX as a result of this. In addition, Owen 's telephone number provided in their letter ( XXXX ) is a marketing scam, set up to make any follow up as difficult as possible, intentionally in our opinion. 
Our request is for Owen to ensure that the credit reporting bureaus no longer report a serious delinquency on our reports due to their mistake. As a result of this we are unable to refinance our current mortgage at a lower rate with an estimated impact of $ XXXX over the next five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This case was never closed and it is currently showing the status in progress. This has been going on since XXXX. Do you think this is just a little past the XXXX time-frame? I demand that the items posted in the XXXX be deleted from my credit report forthwith. Equifax is in direct violation of the FCRA guidelines and conditions. The CFPB is supposed to be on our side and protect the consumer. I do not see any protection or enforcement here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Bureau of America did not send a notice of debt prior to placing it on my credit report XX/XX/XXXX. A collection account for the amount of XXXX was placed with the XXXX Credit Bureaus. 

Collection Bureau of America is attempting to collect a debt based on a XX/XX/XXXX invoice in which shows the equipment being charged off. However we returned the equipment to the original creditor in XXXX XXXX which is why we received the invoice XX/XX/XXXX which shows a XXXX ( {$0.00} ) balance which was sent by the original creditor Sparkleletts ( acct # XXXX ) XX/XX/XXXX. 

Collection Bureau of America refuses to remove the collection from my credit report even after I supplied my invoice from XX/XX/XXXX and I have been emailing the Representative XXXX to see what movement has been made to remove the collection. The CBA account number is XXXX. The are violating the credit reporting act by attempting to collect on a debt that has been paid. 

Collection Bureau of America is attempting to collect

Company response to consumer: Closed
Consumer complaint received 2017-03-20
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX, XXXX, FL. 

I contacted Advance America before my loan was due. They referred to to a program for credit counseling which I attended, but the paper work was never faxed to them. I called them and told them I would be entering into a payment plan with the credit counseling agency, and asked them not to take money out of my bank account. They told me they do not take money out of bank accounts. I am really upset about it all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation