BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed an application with Bank of America for forbearance for illness and unemployed or loan modification but Bank of America has been giving me the runaround since  XXXX   XXXX ,   XXXX  .     I am sick and was laid of because of my sickness. I informed Bank of America that I am sick and was laid off as a result and that I am finding it difficult to pay the mortgage as I am no longer working because of my illness. They sent my documents to fill for forbearance for illness or unemployment or for loan modification. I filled the documents and went to Bank of America branch office in  XXXX , Maryland and had t he manager  faxed the documents to   the Loan Modification office. On the same day, I also uploaded the documents to Bank of America site.      Bank of America has been playing deliberate delaying tactics. I have sent in documents earlier on multiple times, both by uploading the documents to Bank of America website and at the same time having the documents faxed to them at Bank of America branch offices but they come back after a m onth or two to sa y that they have not received all the documents while the documents can be seen on their site.     Some of the tactics being used by Bank of America is claiming that documents were incomplete or documents were missing when in fact they were not ( I would logon to their Loan Modification site and I would see all the documents received and updated on the site ) or claiming the file was under review then I would out later that it was not under review.     A month ago, they sent me a foreclosure letter. When I called to ask them what is going on with the foreclosure letter they stated that they have not received all my documents that why they have initiated a foreclosure procedure. When I pointed it out to them that the last time I talked to somebody at Bank of  America the Rep confirmed to me that they have received all my documents and that as a matter of fact I can see all the documents I uploaded still showing on their website. The Rep ne xt response was that my documents have expired and that I have to resubmit fresh documents. So now, they have for forced me to restart the modification/forbearance process all over again. Even after restarting new process they playing the same tactics of documents being incomplete when they are not. And last  XXXX  when I called to check on the status I was told they need my bank statement and tax reports, which they already have and in addition to that now they are saying they need receipts for my expense for grocery, laundry, grass mowing payments etc. when I dont know anybody keeping their past grocery, laundry, mowing receipts around.

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 2017-05-10
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Security Credit Serv/   XXXX   XXXX  has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep recieving calls to collect a debt for someone that use to have this telephone number. I am not that person and do not know them yet I keep getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I had a line of credit loan with a bank which I got behind on. It got turned over to LTD Financial Service Debt collections. They called and asked me to get another loan to pay XXXX % of the debt. They said if I did n't they would sue me and according to the terms of my original loan I would be responsible for all the layers fees. 

I could not get a loan but plan to get a XXXX job. LTD Financial offered to take a large payment followed by regular monthly payments. I said that would work as soon as I started the XXXX job. They asked for my bank account number to make automatic drafts. I asked for this in writing and they refused and again said they were making the offer as a good faith effort to avoid litigation. I refused to hand over my bank account without a written agreement. 

LTD Financial then started calling my wife at work and telling her I was being uncooperative and she had to work with them. 

I plan to get an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Wells Fargo National Bank ran a credit report on me without my authority or permission!

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 2021-12-27
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We strongly believe that competitors, exes, XXXX XXXX as we are a minority-owned firm, and other troublemakers are filing false complaints/requests for investigation against our law firm company this leading to a spate of frivolous harassing investigations into our law firm company- we have filed federal complaints with the Office of Professional Responsibility and other agencies to investigate this - this is also evidenced by the fact that we have prevailed and won on each and every single credit charge back since they came in this year- please also be advised that charge backs increased during the Holiday season when desperate people are looking for extra cash to spend on their cards after they have already used and abused us for our stellar legal work- which desperation has been made worse by COVID-related unemployment and lack of cash/liquidity in our generally poor, criminal, immigrant clients ( we do immigration, criminal defense, and family law work ). Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: AL
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:
MY IDENTITY HAS BEEN STOLEN. THESE ACCOUNTS ON MY PROFILE ARE FRAUDULENT. THEY ARE CAUSING MY FAMILY A LOT OF UNNECESSARY HARDSHIPS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2016-02-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TSI has failed to communicate with me the balance of the account, what fees I am being charged and why. I have sent letters, contacted people ( specifically XXXX XXXX, because she deals with people once they complain ), I have been told that the information I have asked for has been sent to me ; however, even with the correct address the information fails to reach me. This is a shady company that is not verifying why they are taking what money for. In the last CFPB complaint I filed they did post a payment and charge statement ; however this never disclosed the balance, what fees were being charged. They are only allowed to charge XXXX % as I have been told by TSI employees and XXXX employees. This company says they can change what is allowable by the credit agreement, but failed to send me a copy of the credit agreement, as well as the agreement between them and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CNG HOLDINGS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX  has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Around  XXXX   XXXX ,  XXXX  I sent an dispute letters to Experian,  XXXX , and  XXXX  disputing about the following inaccurate information  : 1.    XXXX   XXXX   XXXX  2.  XXXX   XXXX   XXXX   3.   XXXX   Around  XXXX   XXXX ,  XXXX , I called all credit bureaus for updated investigation status. I was told by Experian that they had received the letters, but has not gotten to investigating  XXXX  yet, but was behind in the mail so they were still investigating  XXXX . Under th e Fa  ir Reporting Act, the investigation should be done in 30 days. That did n ot happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on  XXXX  I  was told by the apartment complex that this same information disputed in  XXXX  was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all  XXXX  credit bureaus.     In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the  manager  to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help.     Thanks  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 2017-05-10
Company: Experian Information Solutions Inc.
State: WI
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 a reported a fraudulant account on my credit report several times to Experian. I was told I needed a police report in order to prove identity theft and request any removals, which I have done. I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Experian stated it was verified, but with no proof of verification and stated they are not required to provide proof. I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt have  one  on file, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with these items being reported and they are fraudulant accounts, I am expecting it will be removed immediatley. Fraudulant Items being reported incorrectly by Experian :  XXXX  Acct #  XXXX    XXXX   XXXX   : Act. #  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 2021-12-27
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Early XX/XX/2021 I was informed that my checking accounts was restricted and closed and I would no longer be able to access the accounts. Due to a scam for a job that gave me a fake bonus check that was a scam. After much devastating news and all my money being gone. there were still XXXX transactions being drafted from the account and XXXX overdraft protection being used. I received a letter in XX/XX/2021 confirming the closure of the accounts due to the overdrafts that caused charge off. Navy federal restricted my access and this also caused me not to be able to pay my credit cards either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southern Managemen t  XXXX   XXXX   XXXX   XXXX  FL  XXXX  (  XXXX  ) On  XXXX   XXXX     2016  They are reporting that I owed an apartment complex  (    XXXX     XXXX  )  XXXX  rent when I lived there. I have send them proof that I paid the complex rent and cleaned the apartment complex when I left but they are still reporting this to the credit bureau. I have contacted the apartment complex but they have been sold to a third party and have no record of me ever living there. This collection have affected me greatly because it stop me from getting other apartment in my name and affecting my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2015-03-29
Company: RS Clark and Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The office manager charged me {$35.00} for not canceling my appointment within 24 hours. I spoke to someone in the Doctors office the day prior to my appointment canceling the appointment. I had just lost my job - the person - who i believe was the office manager said ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me. I have no idea where this came from but this definitely is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me. I have no idea where this account came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Filed lawsuit got default judgement against me. Never served papers. I DO NOT OWE Midland Credit Management .They have NO CONTRACT me. This was bought from original creditor XXXX opened with them XXXX written off XXXX. Bought debt Now they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me. I do not know where this account came from but it definitely 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 2017-05-10
Company: EQUIFAX, INC.
State: NJ
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  XXXX   XXXX ,  2017  Equifax took it upon themselves to reinstate a collection account which I had personally resolve the collection company through CFPB complaint #  XXXX  against  XXXX   XXXX   XXXX    XXXX   XXXX    resolve my complaint by notifying Equifax  credit reporting a gency to delete the collection because it was a merged file, the collection was deleted up until  XXXX / XXXX /  XXXX   which is the date Equifax states that they were contacted by   XXXX   XXXX    that the derogatory account belongs to me which contradicts prior actions of   XXXX   XXXX   who ordered Equifax to delete the collection because it contained incorrect identifying information.     Equifax also continual to report inquires on my credit report that do not belong to me, I have disputed this repeatedly only to have it gone unresolved. I last disputed the inquiries on  XXXX / XXXX / 2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I was affected by XXXX and was sick for months. When i was strong enough I notified my creditors and they worked with me except for the company XXXX - they have foreign customer service who is only interested in collections and they do not help nor answer questions they give you the run around its a hassle and they lie to you i have asked or Americans, i have asked for supervisors they are all incompetent and they are ruining my life I WANT TO MAKE ABSOLUTELY CLEAR I AM PERFECTLY CABABLE OF PAYING MY BILL NOW THAT I AM HOME, I LOST ALOT OF MY LIFE TO XXXX AND STILL CAN NOT WALK BUT AM XXXX FROM XXXX, SO IT IS NOT THAT I CAN NOT PAY IT IS THAT THEY HAVE TO REMOVE HTE NEGATIVE REMARKS THEY POSTED EVEN THOUGH THEY KNEW I WAS IN XXXX .... i am only XXXX no way should this company even exist if they are not following the rules. i provided them with the USA CREDIT CARE ACT under the XXXX XXXX  protection and this company has don't nothing but ignore it and has been notifying my credit bureau of negs when under cares act if i was on time before i was sick they were suppose to continue reporting positive knowing i was in hospital. I WAS ALWAYS ON TIME UNTIL I GOT XXXX I HAVE NEVER BEEN LATE... I have called fifteen times and they are XXXX that do not speak XXXX they lie and give me the run around I am back at work and capable of paying my bills as usual i need something in writing that i am paying and they are removing these negs due to my affliction from XXXX i can not pay and not have this rectified they will continue to report neg this issue must be resolved and they willl not change it unless i pay them first and i find it so fishy AGAIN I HAVE THE MONEY TO PAY AND HAVE NO PROBLEM PAYING BUT NOT TILL MY NEG IS REMOVED. I SUBMITTED PROOF I WAS HOSPITALIZED THEY EMIALED ME BACK CONFIRMING RECEIPT AND THAT THEY WOULD REMOVE THE NEGS BUT THEY HAVE NOT REMOVED THEM AND ITS HURTING MY ABILITY TO MOVE FINANCIALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was notified on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX  agency that Convergent Outsourcing, Inc informed them to reinstate a bogus collection account which was deleted off my credit report at the request of Convergent because they feel that they information is correct.     On  XXXX   XXXX ,  2017  I filed a complaint with CFPB against  Convergent Outsourcing Inc,   complaint #  XXXX  in which they responded that the bogus and derogatory collection account which contains incorrect identifying information not relating to me would be deleted from all my credit reports which they did but then on  XXXX   XXXX ,  2017    XXXX   notified me saying that Convergent requested that the collection account which does not belong to be placed back on my credit report base upon they believe the information that they have to be true, correct and accurate.

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