BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Paid a few to   XXXX   XXXX   XXXX   that told me my payments would resolve my student loan debt and close accounts. After paying for months the accounts appeared closed on my credit report. However recently the accounts are back open and delinquent. And the departure of education took my tax return as payment.

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 2022-07-23
Company: Experian Information Solutions Inc.
State: FL
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:
I sent My first letter to XXXX XX/XX/2022 asking them to investigate accuracy of the XXXX XXXX XXXX account on my credit report. I did not receive a response. I sent another letter XX/XX/2022 still no response. I sent my last letter XX/XX/2022 and i have yet to receive a response to this day but the disputed account shows updated as of XX/XX/2022. 

Also, on XX/XX/2022 they investigated the collection determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S.C. 1681 ( 5 ) ( B ). 

Experian and XXXX provided me with " verified '' " updated '' results after i received their results i did my own thorough research and found several inaccuracies. 

XXXX and XXXX are reporting the collection as open which is not possible on a collection. They all show different dates for the date as last activity. 

Experian is reporting a 1-month term when collection accounts does not have terms. 


In accordance with the fair credit reporting act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602A states that i have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-02-21
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection that just report on my credit file which is NOT mine. Please help Diversified Consultants an ATT account which I have never had this needs to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX 2016, I reached out to a Caliber Home loan processor to see if I would qualify for a home purchase because I had home previously and had to file bankruptcy. After an in-depth phone interview. I was told to provide all information that was discussed, I did. The loan representative sent me a total of 3 different preapproval letters, non of which turned out to be accurate, as I was n't preapproved. After a great deal of searching, in XX/XX/XXXX, I found a home and wrote a contract, which the loan officer acknowledged. My closing date was scheduled for XXXX/XXXX/16. During this period I continued to provide information as requested. As I got closer to the closing date without any communication from the loan officer, I sent an email to request information about if the closing was set. She finally responded back to me letting me know that my loan had been suspended. I had to contact her because apparently this was n't important enough to call, send an email or text for. The day before I was supposed to close I get an email that states the underwriter has my information and she is expecting approval the following week. The day I was supposed to close the loan officer says the underwriter wanted another letter from student loans, which would have taken 30 days at a minimum. Additionally, the seller was only willing to give two weeks extension at a significant financial penalty. I was out of money and had nowhere to go. I thought that all of this had been looked at prior to issuing me a preapproval letter. 
I reached out to a different banking loan processor and provided same information that was given to Caliber Home Loans and in one week ( and no money out of pocket ) I was told that according to new regulations I did n't qualify to make a home purchase. I needed to wait at least another year. I feel like this is information the caliber loan officer should have provided me instead of having me payout and lose {$1600.00}. Recently, I have had tried to communicate with Caliber Home Loan corporate office but all I get are excuses and them trying to justify they are right. Caliber Home Loan is trying to make it my fault that the loan officer procrastinated or that the loan did n't go through. I do n't feel as if they did their due diligence. If the rules were changed the loan officer, who is a " professional '', should have made me aware prior to the day before and the day of my closing. At least, if she had, I could have taken advantage of the contingencies built into the contract and received most of my money back. 
This entire experience has caused me and my family XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-23
Company: Rent Recovery Solutions
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Agencies never did a proper ''investigation '' according to the FCRA XXXX 

The term investigative consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with who he is acquainted with or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more in accordance with the fair reporting act everything has to be 100 % accurate on my credit report. 

The credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. which is grounds for removal. 
They also violated the law, because according to, 15U.S.C.1681 section 602 A states that I have the right to privacy.

15U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent or instructions. 
i didn't give anyone written consent or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
Initial Complaint :  XXXX  Response : Dear CFPB, I did not receive any calls from USAA. I informed USAA that my cell phone was stolen and provided them with an alternate contact number. They could also have direct messaged me through  USAA.com. I   contacted  USAA  numerous times with calls and direct messaging. I was told to call, but when I telephoned, I was transferred repeatedly and consistently to numerous departments with no help or answers. If I visited USAA.com multiple times, it was to open accounts for my  XXXX  children or to address  Christmas  money being transferred to them, not for my own personal use. I had to file a complaint to get them to talk to me.     First, I left my purse on the counter while shopping during Black Friday, but it was later returned. Secondly, my van was broken into and my phone, purse, and personal items were taken. A couple of my cards were compromised. As a result, I looked further into my accounts.     I confused this card with a  XXXX  card and application. I explained to USAA that I had no knowledge of the account or card when I telephoned and needed to close it. Why would I go through all of this for {$35.00}?     I have slowly been transitioning to my new home at  XXXX   XXXX   XXXX  in  XXXX , Virginia while it is being renovated, so I havent fully changed my address yet.     Regardless, derogatory information was reported to the credit bureaus while this issue was supposedly under investigation. I was told that the first investigation was inconclusive. Negative information should not have been reported to the credit bureau if the credit card account was under investigation, and I was not aware of the results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The lvnv account is attempting to collect a debt for XXXX XXXX XXXX in the amount of {$250.00} the original debt was removed so lvnv can not collect a debt from a account already removed for id theft see update police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: VA
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:
All three credit Bureaus never did a proper INVESTIGATION according to the FCRA The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character. General reputation. Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this : - Also they have violated my rights even more.

In accordance with the fair credit Reporting everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but now is that possible if the open and close date, last active, payment and report date is inaccurate, even the 3 credit bureaus have different information about my date of birth, address and employer. This is ground for removal.

They also violated the law because according to 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 an account without my writtan instructions. 

I did not give anybody writtan instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen financial continues to charge us for home flood insurance despite us not being in a flood zone since 2014. We have sent Ocwen the proof, from FEMA, stating that we are not in a flood zone since 2014. They have even acknowledged receiving the proof ( letter ) we sent to them stating we are not in a flood zone, each year since 2014, but they continue to try and forceplace flood insurance every year in XXXX when our escrow account is renewed. They are clearly trying to charge us for something they know we do not have to pay and they make it very hard for us to get the flood insurance they 're trying to forceplace canceled, despite us sending them all of the necessary paperwork 2 months prior. This is a wide practice and I am shocked that they continue to do this. They act with impunity and they 're harming consumers. I would like to see some action taken against them for knowingly trying to charge customers for something they do not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Negative hit to most recent credit reports (  XXXX  ) without any correspondence or notification of status of account by  XXXX . Continued making payments per billing cycyle to match my usage to remain in good standing . In   XXXX   XXXX   XXXX   XXXX   I was d enied access from accessing my balance on my account online, nor make payment electronically. So I paid by mail, although I never received any further corresondence as to the status of my account. I called and was informed my account was closed, with no reason given and in that my last payment made would be refunded by along with a letter explaining my credit card 's suspension. I never received communication nor return payment. My latest credit report says the account was reported as a charge-off in  XXXX   XXXX . Still no notification at this time nor to this date  (   XXXX   XXXX  ). Only found out about charge off in accessing my most recent credit reports. I continued making payments til  XXXX   XXXX , hoping to received communication or re-gain access online for payments and account status, from  XXXX  or an affiliate, or collection agency!! Upon seeing the negative charge-off on my credit report, I immediately called  XXXX  and was transferred to a representative claiming that the only address they had was in North Carolina, BUT NO SUCH ADDRESS SHOWS UP ON MY CREDIT REPORT??? YET THEY SENT THE CARDS TO MY CURRENT ADDRESS AND RECEIVED PAYMENTS FROM ME FROM MY CURRENT ADDRESS? I am demanding the charge-off is removed immediately. Furthermore, once the charge-off is removed, I 'm willing to settle or pay off the date in a reasonable amount of time, without any further negative ploys to damage my credit standing!

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 2015-10-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open Santander Bank Checking account again - may be i will get different questions to go ahead with the application or simply call the customer service to go ahead. But I am not able to open the account second time also. I was provided very very difficult questions to answer and that too in less than 10 minutes ( XXXX seconds time counter going on ). Is this bank really want to do the business??? Why so much difficult questions. I called upon Customer Service and talked to XXXX at XXXX to XXXX XXXX but he was also not of much help. Finally as a fall back option - I uploaded my Arizona Driver 's license and XXXX statement - XX/XX/XXXX statement but end of the day - my application was declined. XXXX told me that if in case i am travelling to North east - i can visit the branch ... .so do they expect people to fly down to their branch just because they have created totally useless and terrible Account opening module? Moreover I am not opting for overdraft protection - so why they need to so much extra vigilant in terms of identity protection ... it 's good to have identity protection to make sure somebody does n't steal your identity but if it is coming in the way of genuine and real folks ... then it 's a big problem ... i was able to answer all the questions that XXXX asked ... then why i am not able to open the account? I am in this country since XX/XX/XXXX and changed locations also. This kind of process is just too much unfair for people like me ... .why do they expect that i remember all the phone numbers for the last 15 years? Why do they expect that i should remember which credit card i had it and on what month and year? why do they expect that i should remember when my loan got closed?? Is n't it too much??? where is the limit???? this is ridiculous by every means and that too they are pressurizing the customer to answer and remember everything in less than 10 minutes otherwise you are declined. They declined my application ( i got the email immediately ) even without seeing my driver 's license and Bank statement ... .You ca n't be so so tough on anybody ... .this is absolutely ridiculous and nothing else. And if they had to anyway decline my application - why they collected all the information at the first place??? Why they wasted my time ... almost 20 minutes to work on this process of opening the account??? why not this verification process at the very start of the account opening process? Moreover how secure is my information that i have provided to them ... this is PII data - how they are protecting my identity after collecting this information from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Netspend Corporation
State: MD
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I have direct deposit put on my card weekly. I tried to log into my account on line and there was a block put on my card. I received an email and a text about the block and called to inquire and get the block released. I have called this company FIVE times and keep getting agents that speak very broken XXXX who make me go through answering security questions before telling me they have to transfer me to their " Fraud '' department. I am literally put on hold for 20 minutes at a time and go into a voicemail asking me to leave a message and I will receive a call back the next business day. This is totally UNACCEPTABLE. A small portion of my paycheck is direct deposited weekly and I can not believe I can not get immediate assistance and access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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:
There are credit cards that was opened in my name I want to have removed my credit reports, this is fraud and I want them removed immediately from my reports I want XXXX card, XXXX XXXX XXXX, XXXX XXXX XXXX removed I did not authorize anyone to open these credit cards in my name and I want these removed asap, I dont appreciate this inconvenience, Im filing this to have these removed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019 I made my last payment which brought my account balance to {$0.00}. On XX/XX/2019 I requested to have my account closed. On XX/XX/2019 I got a response on a formal letter stating that the account was pay in full and is now closed. However I went into my online account to make sure it was closed but now I see that the account was never closed and I have a balance of {$29.00}. I reach out to customer service and was informed that the letter they sent was incorrect and I have to pay this amount. I do not understand how can I closed an account and have a letter stating so they do no want to honor that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, I opened my checking and savings accounts and fulfilled all the requirements to receive their {$600.00} bonus ( {$300.00} for checking w/two {$500.00} direct deposits, {$200.00} for {$15000.00} deposited in savings until XX/XX/2020, and {$100.00} for both ) by XX/XX/2020. Generally, most banks will post the bonus as soon as possible but it is now XX/XX/2020. When I called to talk to a representative to ensure I had met the requirements and inquire on the date I'd receive my money, they said that it would be delayed until XX/XX/2020. They are breaking the contract we had both agreed to without any viable or legal reason. After being on hold for 25 minutes, I was finally able to speak to a representative that said the money should post on XX/XX/2020. Considering their track record and abrupt breaking of our agreement, I am filing this complaint to ensure they abide by the contract both parties agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt was properly billed to insurance and it appears on credit report more than two times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: ACCESS GROUP INC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been paying my private school loans since XX/XX/XXXX. Never late, no problems. In XX/XX/XXXX, I lost my job and entered into a graduated extended repayment schedule with Access Group. At no time did they tell me it was only for 2 years with that repayment structure. During this time, Access Group sent my loans to be serviced with XXXX. XXXX has been a disaster from the start. They took away my repayment structure telling me the time had expired. Since that time, I have been having trouble making my monthly payments because I can not afford them. I get calls on my cell telling me I 'm late and threatening to report me to the credit burue said the time. I also receive emails from access group telling me to contact them to talk about my options on repayment. I call each time I get that email and then they tell me, there are no options. I do not understand how this company rather get paid zero than try and work something out so they can get paid something. People at this point have nothing to lose by not paying their loans. We have no property and our credit scores are shot either way! I feel that access group/XXXX do not care about the millions of people that want to pay, but they refuse to work something out. I am sure that in my lifetime, the bankruptcy laws will change to have this debt dissolved, and I will probably be amongst the first to do so if access group/XXXX does not step up and work payment plans with people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation