BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Money Management International, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Started doing business with MMI in XX/XX/XXXX as a debt management program. They told me that my creditors agreed to stop reporting late payments to credit bureaus and that was false. Creditors were still reporting as late. I called and requested a refund for the monthly service fee due to the inaccuracies of their promises and they refused.

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 2020-04-04
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, National Business Factors reported a delinquent balance and collection account to credit reporting agencies in the amount of {$130.00}. We reviewed are records and could not locate any previous information of this collection attempt, alledgedly taking place around XXXX of XXXX. I may have documentation about this, but would have disputed and requested for verification. NBF would have not have been able to validate the collection attempts. 

On XX/XX/XXXX they were notified that they failed to validate the debt and to stop collection attempts. 

We received a letter dated XX/XX/XXXX from NBF stating that they are unable to locate the collection attempt and that they needed more information. We provided all information noted on the credit report for the collection attempt.

NBF has done one of the following, 1 ) NBF failed to notify us of this collection attempt. Therefore, we dont have the information you are requesting to identify the account. I highly doubt that NBF is unable to determine the account we are referencing since NBF reported it to the credit agencies, without just cause. I imagine a person with a low IQ would be able to find this account in your system with limited or no training. In previous correspondence that we sent, there was enough identifiable information included for NBF to find the account.

2 ) NBF failed to respond and properly validate such collection attempt. NBF has sent other collection notices and for each one, have failed to provide proper validation. 

NBF does NOT verify their collection attempts. They send a form letter stating that we should receive information directly from the company they are attempting to collect for. At no time has NBF properly validated their collection attempts and have reported to credit agencies without proper cause, which has resulted in financial hardship and likely denial of credit during a time when credit is needed. 


NBF needs to be investigated for their collection attempts. I imagine many others have attempted to get proper verification and have failed to receive it, but NBF continues collection attempts. I hope CFPB will investigate and fine NBF as appropriate for each violation.

NBF also uses different letter head, fonts and names with its correspondence which makes it very confusing and difficult to know what they are writing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I made on line reservation on XXXX XXXX, 2015 on XXXX ( XXXX ) to stay at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX for a stay from XXXX XXXX to XXXX XXXX, 2015. 

Upon arrival at the XXXX XXXX at noon on XXXX XXXX, I found the hotel under extensive renovations which was noted on the hotels web site. When I walked into the lobby there were painters painting and I informed XXXX . XXXX the day manager I could not stay here because how paint fumes effect my breathing. He told me that they would charge my card anyway. 
I went and stayed at another hotel in the area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
looking at my credit report noticed it contained some errors relating to my addresses and file accuracy I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please delete/remove the following Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I mailed a Multip le Inquiry Removal Letter  on  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX  , 2017. The r equest that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three TransUnion, XXXX, and XXXX to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.

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 2015-12-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I opened an card account wit Walmart in XXXX. I made my payments loyally until I lost my source of income in XXXX. When I learned I would be facing financial hardship I called Walmart Card services ( also know at the time as ge Capital ) and informed them of my circumstances and that I needed to activate my ( i.e enable ) the credit card protection program but was told that I was ineligible because I did n't have a job or by their logic a way to keep up my payments which is the reason I contacted them to being with. Thus I paid for a service I was never able to use. Somewhere along the was my account was sold or transferred to synchrony bank. So I attempted to call them after being harassed at work, at home and anywhere else I had access to a phone to resolve the debt set up a payment plan. I literally spent hours calling 'synchrony bank ' which is customer service for the card. Every single time I called I got the same automated response saying, " I 'm sorry we are not taking calls at this time. '' I called at least XXXX different phone numbers I had located for customer service and every number sent me back to that same message. I was only able to get through by contacting the fraud department ( after being on hold for over XXXX minutes ). I was then transferred to a line of synchrony bank that FINALLY PICKED UP. The man then proceeded to tell me that my account had been sold to a collection agency. He could not provide me the date this happened, or even the amount I owed. I ended up utilizing my free credit report from XXXX to see what company was reporting debt on my credit profile and saw tat my Walmart/synchrony bank/ge capital card ad been sold to XXXX. So I disputed the information reported on my account for the reason tat my original payment/hardship plan was supposed to take over payments for my card but never did. Now I am strapped wit a debt that should have been taken care of by a hardship/payment plan and that was sold without my knowledge or consent to a company that refuses to compromise with me. I am trying to et my life on track and was accepted into rad school but part of my aid package was denied because of adverse credit history reported by these companies. If synchrony/ge bank, XXXX and Walmart were never willing to work with me to repay my debt I am not sure how I was supposed to clear up this mess. There is no way I owe as much as XXXX is reporting if a program that was supposed to help me should have taken over the payment for my card until I got on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: NVR INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I signed house purchased contract with NVR Home in XX/XX/XXXX and got approved loan from NVR Mortgage in XX/XX/XXXX. At the time the expecting delivery date is between XXXX and XX/XX/XXXX. I decided 20 % down payment. However real settlement date is XX/XX/XXXX and I was able to save more money for down payment. On XXXX XXXX, I email Sr. Loan Processor XXXX XXXX XXXX that I want to increase down payment. He referred me to Loan Officer XXXX XXXX XXXX. XXXX XXXX called me, so I do n't have written record, that I have to extra processing fee in thousands by rough estimation. The better option is to recast afterward which is free in XXXX times. I took the offer. 
In XX/XX/XXXX, my loan was resold to XXXX XXXX. 
After I sold my old house, I call XXXX XXXX, XXXX XXXX XXXX for recast. 
She said that I have to {$500.00} fee. I told her that this is my XXXX recast and it should be free. She said that she had to check with previous mortgage and asked contact information. So I forwarded NVR Mortgage loan officer contact information. 
Several days later, she emailed me that I have to pay {$500.00} and asked me contact NVR Mortgage. I emailed XXXX XXXX and he said the charge is at discretion of mortgage company and denied he said it 's free. 
I had no idea what is recast until he mention it. Had he said it 's not free, would n't I chosen pay higher down payment? 
I feel being deceived. Both mortgage companies are benefit of charging me more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 I received a text from Bank of America indicating fraud on my account. Almost instantly, I received a phone call from Bank of America ( with the same phone number on the debit card ) and the rep identified himself from Bank of America. They indicated I needed to make a manual payment to deposit the funds back into my account. The money was instantly gone from my checking account. 

I submitted a claim with Bank of America within 15 minutes of the phone call. I froze the account that was associated with the fraud, I opened a new checking account information and submitted a police report with my town. 

I was notified today that Bank of America denied my claim because Bank of America " completed the XXXX transfer ( s ) according to the instructions you provided us, and therefore no error occurred ''. They did not consider that I was fraudulently scammed into sending the money, nor did they seem to care. 

Bank of America also stated that they would, as a courtesy, research my inquiry with the other party in an attempt to recover the funds. However, the " other party '' called from a Bank of America phone number so there is no way to contact them. 

It is my understanding that Regulation E requires banks to reimburse people for unauthorized electronic transactions, as long as the customer provides timely notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: IL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently had my credit report pulled and can see that there is a medical debt collection on my report. I was not aware that this was on my report, as I did not receive a letter or a bill for this amount. I called the creditor and spoke to  XXXX  and advised her that I had not ever received a bill for this but was willing to take care of it if it would be removed from my credit report.   She advised me that she would settle for 50 % less of the balanced owed, but if I settled, my credit report would show " settled in full '' with a balance of what was owed, but if I paid the full amount owed, my credit report would show " paid in full '' with  XXXX  balance.     She took my credit card information and when I asked for a " Letter of Deletion '' she then advised that she could only report that it had been paid, and that it would not be deleted.     I do know that it is a violation of the FTC guidelines to tell a customer that they can settle their account but that it will still say " settled in full '' and will still include a remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account multiple times, it has been deleted and is now showing on my credit report again. This is an account resulting from identity theft and has already proven to be so. This should not be a recurring collection showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Sebonic/Cardinal financial keeps delaying loan closing and asking for documentation I 've already sent multiple times. They then keep adding rate lock extension fees for the delays because they wo n't acknowledge the paperwork I 've already sent. Even after they have acknowledged that they have all paperwork, they come back with more questions right before closing and then use this as an excuse to add additional extension fees. They know that it will take me 30 days to get another lender to finance the property so I have no recourse, but to pay their increased fees or lose the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My husband and I booked a trip through XXXX XXXX There were 4 charges in total : {$290.00}, {$320.00}, {$320.00} and {$4500.00} were made through our checking account. Due to the pandemic of Covid-19 they cancelled our trip and stated that they were unable to refund us due to the pandemic and to contact our bank to get our money back. I filed a charge dispute with Citibank for the charges and theyve refused to refund us our money. Even though we provided them with a notarized letter stating what happened and copy of email from XXXX stating they are not refunding us and to contact bank.

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 2022-09-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They are claiming its for a debt at a apartment I never stayed at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A university I applied to but was not accepted to, still had my information on file. They accidentally uploaded my social to a student who is currently enrolled in that university and her loan appeared on my credit report. I filed a dispute with Equifax and sent in proof and documentation that showed the loan was not mine. The documents included ; my social security card, copy of drivers license, email from financial aid director at the university stating that it is not my loan, and a police report. Equifax still did not remove this from my credit report even with all the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat.

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