BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: Real Time Group, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a home in XXXX 2006. We had one mortgage on the home, however, over the past 8yrs, we have been receiving calls from collection agencies stating that they were collecting for a second mortgage. The debt has been transferred to different collectors while we have been trying to sell this home without success. We were able to confirm with the first debt collector that this was n't a second mortgage, but then they sold the debt, and now we are back at square one. I was advised file a complaint to take a look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX ; -Account XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Wells Fargo charged me for an insurance policy that never existed for 8 years. They would not admit this but they then returned my premiums when I discovered the mistake. They said " We are not at fault but we will return your premiums. The case was then re-opened by XXXX XXXX of Wells Fargo at her request. Once the case was re-opened the Insurance company provided 100 % proof that I never had a insurance policy. I requested that Wells Fargo forgive the remaining balance of the loan which is approx 42K. They are refusing and saying the case was closed. However recorded calls and letters in writing from them show that they decided to reopen the case on their own. New evidence was found once they re-opened the case that proves unfair business practices. Also Wells Fargo in writing has said they will not preserve and secure the recorded calls between myself and Wells Fargo. They have a legal obligation to preserve and secure all recorded conversations. The 2nd issue is on a recorded line one of their Employee 's XXXX XXXX questioned my Marital status, asked where was my wife and why have we not spoken with her. He also made accusations against me and his business practices and line of questioning was totally unacceptable and illegal

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 2022-07-19
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: ZIONS BANCORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Amegy Bank sued me in the XXXX County Civil Court ( XXXX, TX ), Case No : XXXX, over a {$25000.00}, Bus. Visa, I did not owe for two ( 2 ) years. I reported the ID Theft to the XXXX Police Department, ( i.e. Incident number- XXXX, on XXXX/XXXX/XXXX. When Amegy Bank deposed me in XX/XX/XXXX, their attorney, XXXX XXXX XXXX, XXXX. admitted I did not do it. ( i.e. contracted with Amegy Bank for the Bus. {$25000.00} Visa credit card. ) XXXX XXXX XXXX continued to illegally & unlawfully prosecute me without any factual basis until he and the Court signed the order for dismissal on XXXX/XXXX/XXXX. Based on the record, the handwriting expert said 100 % that it was not my signature. Amegy Bank and the Court dismissed the civil suit on XXXX/XXXX/XXXX, after illegally & unlawfully prosecuting me since XXXX/XXXX/XXXX, when Amegy Bank filed suit. Based on the record, there was never, ever any evidence against XXXX XXXX XXXX. ( i.e. me ). Based on the record Amegy Bank violated all laws of the United States, including but not limited to the Fair Credit Reporting Act, and the Texas Debt Collection ACt. I filed a " RICO '' lawsuit against them on XXXX/XXXX/XXXX, in the USDC- So. Dist of TX ( XXXX ), Case number- XXXX, for their " illegal & unlawful '' prosecution and all their partners in crime too.

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 2022-03-24
Company: Experian Information Solutions Inc.
State: OH
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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2015-06-11
Company: Western Portfolio Assets
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This collector, Western Portfolio Assets, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-04-11
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I contacted Pentagon Federal Credit Union to inquire about products and services. After establishing an account, I called back that same evening to apply for an Auto Loan. When applying for the auto loan with the second representative, he offered and and asked if I wanted some type of insurance product that would take care of payments in the event that I was injured/etc. What I found EXTREMELY disturbing is that fact that the rep asked if I had been diagnosed with XXXX, an XXXX, or XXXX. That is confidential and personal information. No customer service representative should be qualified to ask for that information. No customer service representative should be privy to a customer 's name and potential XXXX, and/or XXXX status. In addition to this, this is discriminatory lending practices. This is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX an unauthorized bank wire of {$8700.00} came out of my Citibank account without my knowledge, without my verbal consent, and without my written consent. I was made aware of this about a couple hours later when I blocked my account. I then filed a notorized affidavit with Citibank the following day on XX/XX/XXXX. Since then I have filed police reports with XXXX, FBI, online fraud, and XXXX 

They have not found a resolution, nor have they credited my money back.

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 2017-05-26
Company: Navient Solutions, LLC.
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:
Navient has  my account listed w ith 3 nega tive payments from  XXXX   XXXX . and  XXXX   XXXX  in which they are adversely affecting my credit worthiness. I have never been late on this loan and was currently in a deferment during this time that they are reporting inaccurately. I have disputed this with Navient and the  XXXX  credit bureaus and they continue to report incorrectly which is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i was a victim of identity theft, and filed a dispute to Chex- systems to get information form one account ( XXXX XXXX XXXX XXXX deleted due to account being opened by fraud, they have failed to delete it and this information id affecting my availability to get financial resources that i need

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-05-23
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient has bee n reporting late on my credit every month for the last 6 months  XXXX . I have not been late, I have been making a payment monthly, per our consolidation agreement. It has now been paid off through the program I was on but the late payments are still reporting. They told me multiple times they would be deleted because I have been making payments. I did as I was advised to do and I assumed you would follow through with your end. This is seriously affecting my credit as I have a f ew Navient loans repo rting and all of them have late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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:
I've sent several CERTIFIED letters to the 3 credit reporting agencies XXXX, EQUIFAX, AND XXXX TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORTS, I HAVE CERTIFIED RECIEPTS DATED AS FAR BACK AS XXXX FOR INACCURATE INFORMATION TO BE REMOVED FROM MY CREDIT REPORT SUCH DIFFERENT OF LAST ACTIVITY, DIFFERENT OF DATES REPORTED, ACCOUNTS SHOWING PAST DUE THAT ARE IN COLLECTIONS, STATE LIMITATIONS RAN OUT ON MANAGEMENT REPORT THEY WERE ALSO SENT A CERTIFIED LETTER AS WELL AS XXXX XXXX ALSO REPORTING DIFFERENT DATES OF ACTIVITY AS WELL AS SEVERAL PHONE CALLS HAVE BEEN MADE PLEASE HELP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau-SUPPLEMENT TO XXXX XXXX, 2015 DISPUTE TO COMPLAINT NUMBER:XXXX ( XXXX ) Again, I do not owe BOA for a XXXX rental car where their XXXX representative ( located within the landrover car dealership at XXXX XXXX XXXX XXXX Georgia XXXX ) have pushed unauthorized charges on closed accounts at both XXXX bank and on an ebanking account with bank of america. What they are doing and have done constitutes BANK FRAUD. I do not owe XXXX rental car anything especially when OVERWEIGHT, DUMB SHERIFFS ACTING ON LAWYER JUDGES INAPPROPRIATE ORDERS FALSELY ARREST ME, XXXX, WHEN I AM ATTEMPTING TO RETURN A COMPLIMENTARY RENTAL CAR I DO NOT WANT ... NEVER DID. 

Now, I am STRONGLY advising your BOA to remove their DELINQUENT AND FRAUDULENT BOA AMOUNTS OUT OF MY NAME BECAUSE I OWE BOA N-O-T-H-I-N-G AND NOW you ARE OBSTRUCTING JUSTICE. PLEASE REMOVE YOUR DESPERATE MEANS OF COLLECTING ON A DEBT I DO NOT OWE. IF YOU DO NOT, I KNOW WHOM IS EAGER TO HELP YOU REMOVE YOUR DELINQUENT\FRAUDULENT BOA AMOUNTS AWAY FROM ME, XXXX XXXX BECAUSE I OWE THOT BOA UNEQUIVOCALLY NOTHING. 

I have walked into your local branch banks XXXX times with ALL THE EVIDENCE TO REMOVE XXXX XXXX. This is MY LAST REQUEST. 


Sincerely and Respectfully, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-05-26
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a statement from  Convergent  on  XXXX / XXXX / XXXX  stating reduc e Balance Opportunity from {$120.00} to {$79.00}. Although I have not conta cted them directly that I can recollect, it is reporting on my credit report which I have disputed, it has been removed and then another collection company picks it up and puts it back on. This debt has been paid in full since  XXXX  when I found out that it had been sent to collection even though I never received a final bill at my forwarding address. I will be filing against the original company  XXXX  also.

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 2015-09-16
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
All documentation was sent to show payments for each EOB from my XXXX insurance provider. XXXX XXXX XXXX was trying to bill amount outside of contracted agreement with XXXX. 
XXXX representative informed me that this was illegal, per the contract agreement and my obligations were met. 
This information was provided to the Bureau Medical Economics who received all receipts of these transactions, but keeps sending harassing phone calls and notices.

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 2016-03-29
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My neighbor received a call from XXXX XXXX asking for me and left her number for a return call. I have no idea how this person got my neighbors phone number, we have never listed this number on any documentation. I called and spoke to XXXX XXXX and she said she was with GC Services and was calling for an Illinois debt. I am not sure what this is in reference to but I want action to be taken against XXXX XXXX and GC Services.

Company response to consumer: Closed with non-monetary relief