BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
This is a reply to Bank of America, NA 's ( BANA )  response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that BANA had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, BANA signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX Circuit Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. BANA filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why BANA believes the loan first became delinquent in XXXX 2012. 2 ) Why BANA believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Sequium Asset Solutions, LLC
State: MI
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:
Sequium Asset Solution placed a {$360.00} collection default on my account on behalf of XXXX XXXX. I tried calling them but they do not respond to messages I had to leave at XXXX. I have never done business with XXXX and never had an account with them. The email address they referenced for this debt, is not mine. They obviously have me mixed up with someone else. I have never been late on any payment to anyone in my entire life!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus on XX/XX/XXXX, asking them to investigate errors on my credit report. All three were supposed to respond within 30 days, but I have only received a response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Credit Systems International, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt that this company is reporting is re-aged. According to the original creditor, the date the this debt first became delinquent is XXXX of XXXX. The collection agency has re-aged the debt on my credit report to show XXXX of XXXX as the first date of delinquency. This should have already fallen off of my report in XXXX of XXXX. I have informed the collection agency about my conversation with the original creditor and she told me that did n't matter. She received the debt in XXXX of XXXX and THAT is the date of delinquency according to her. This is a violation of the FCRA. Re-aging the account is illegal. A collection agency should be aware of this. I have disputed this with them and through the credit reporting agencies and they continue to refuse to remove this from my credit report. They are knowingly continuing to verify false information. Also, I paid this debt to the original creditor and they still refuse to even show it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: AES/PHEAA
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call multiple times a day multiple times a week, most days starting at XXXX MST. I have reached out to them through their website for a payment plan with no response. I have these debts because AES and The National Collegiate trust refused to work with me on payments so I paid what I could until they defaulted ( I now have two loans at XXXX, XXXX XXXX XXXX XXXX, XXXX ). Please stop calling and harassing me early in the morning and multiple times a week. I know the issue and I reached out to you with what I can pay, and that 's all I can pay. Calling me multiple times a day and week about either loan will not increase The amount I can pay. I have always wanted to pay these loans and still want to pay them, It just needs to be within my budget because I ca n't pay anyone what I do n't physically have. I do n't have any assets to sell to pay or else that would have already been done, these loans have taken everything from me, any chance of owning anything is gone. My mental peace is gone. The best way to reach me is through email as I live in the mountains and the chances of any call I answer being dropped shortly after answering are high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Cottonwood Financial Ltd.
State: TX
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 never received a notice of debt. This account has been on my credit file for too long and is affecting me from getting loans and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a CITI XXXX Credit card and I have converted to CITIXXXX plus on XX/XX/2022. When I do the conversion I have been informed the charged annual fee for my CITI XXXX  card will be refunded prorated. But until now I still have not seen the annual fee refunded.

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 2022-03-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I set up a debt payment agreement with my Chase XXXX XXXX credit card ending in XXXX and my agreement was to close this card ONLY. Chase closed ALL my other credit cards and this has damaging effects to my personal credit profile. Please resolve and fix this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Accounts # XXXX & XXXX, has violated my rights. 

15 U.S.C. Section 602 A. States I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: IL
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 XXXX 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 XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, an unauthorized payment was charged to my cash app account in the amount of {$59.00} dollars from XXXX XXXX. On XX/XX/XXXX, Ive attempted to reach out to the merchant but I was unable to get ahold of anyone. I Then reached out to cash apps customer service on XX/XX/XXXX as well and they still have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Real Time Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They sent a collection letter pertaining information from I do not know where and trying to use to coerce a payment which is against federal law. This is identity theft If I have no business with this company then should not be contacting through any medium.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: AZ
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 sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
State: CO
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 have an active MasterCard that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX MasterCards, a subsidiary of XXXX XXXX XXXX  XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XX/XX/XXXX. 

In XX/XX/XXXX, when XXXX XXXX XXXX  XXXX reported my Mastercard account to XXXX, Equifax and XXXX   for the first time, my fico credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with XXXX, 97 points with Equifax, and over 50 points with XXXX. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my XXXX   report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX / XXXX XXXX XXXX  XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX Mastercard, as well as contacted XXXX XXXX XXXX  XXXX. I also filed disputes with XXXX and Equifax. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$990.00} Original Creditor : XXXX XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX XXXX this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$160.00} Original Creditor : XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/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 2023-03-14
Company: Synovus Bank
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, my tax assessment jumped from 4 % to 6 % because I needed to fill out the homestead exemption. 
The XXXX mortgage payment reflected the inflated rate in escrow. 

XX/XX/XXXX, I sent a copy the amended tax assessment, reduced back to 4 %, via email, to the Synovus representative XXXX XXXX as we had email discussions about the issue. Her email is XXXX I followed up as my mortgage bill was not corrected by XXXX payment. I received no response to my email in XXXX, XX/XX/XXXX, XX/XX/XXXX, nor to any voicemails that I left to the same person. The tax assessment was attached to multiple emails. 

XXXX XXXX left a message for me on my cell phone on XX/XX/XXXX stating she did not receive the tax assessment. I emailed it again on XX/XX/XXXX to the same address listed above. This was an email address that we used to converse before. 

In addition, I left multiple messages with another XXXX employee listed in a late notice. Her name is XXXX XXXX. I have never received a phone call in return. 

Additionally, I speak to a debt collector, recorded, every month and re-state my case. On XX/XX/XXXX, at XXXX EST, I spoke with customer service representative, " XXXX '' who stated that my case was " in review ''. 

Meanwhile, each month my account accrues late fees, and my credit has been severely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Innovis
State: PA
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:
XXXX 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, XXXX / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, XXXX must delete this information from my report and send me an updated copy when this correction is completed, XXXX must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & XXXX with the BBB. This also being reported to Experian in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. Transunion needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.

Company response to consumer: Closed with explanation