BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: NY
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 report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: TX
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Revenue Enterprises, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received collection letter from Revenue Enterprises regarding debt that was already paid by health insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  county Courthouse refuses to update Equifax on paid in full tax lien. I 've disputed this information twice and it has been fixed with  XXXX  but not Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Municipal Collections of America Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I already filed two complaints with the Consumer Financial Protection Bureau XXXX and XXXX the company was supposed to write me but they never did so I did n't know that the case was closed. The harassment continued so I made a complaint to the Attorney General of the State of Illinois XXXX XXXX File No : XXXX and they ordered them to stop, but they did n't and have now had XXXX XXXX XXXX cut off my mother 's phone and she is an elderly XXXX person. In addition, they have now hacked into my medical records at two different healthcare centers and have used my doctors ' medical license numbers to write prescriptions to both XXXX and XXXX in XXXX. I have contacted both the FCC and Congressman XXXX XXXX XXXX office and no one seems to have the ability to stop these people. It is no longer a company but a family because they own dozens of such companies and just move the debt around from company to company. The owners all have multiple aliases and addresses ; this really deserves a criminal investigation but the FBI does n't seem to be interested. Here are some of the names of the individuals behind these crimes. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and many more, all with multiple aliases and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accounts : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXX Inquiries : XXXX / XXXXXXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment Notice, it is a fact, affiant is aware, these inquiries is unauthorized and has been furnished without my consent. There was no permissable purpose and is a violation of 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ). Remove this inquiry as seen on my credit report.

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 2019-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/2019, I initiated a dispute against an entry on my report from a company called XXXX.  XXXX  reported me late 60 days, however I should have been marked as late only once.  I received a response from your company stating that the information had been verified and all information was being marked appropriately.  The form that I received from Equifax contained incorrect information concerning balances, as well as date of last payment, aside from the original payment issue.  I then requested a complete copy of my report so that I may dispute this information according to FCRA section 611.  On XX/XX/2019, you sent me a letter stating you could not locate a credit profile under my name and social security number.  Please explain how it is possible you verified incorrect information on my report then claimed I do not have a credit report on file with your agency..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: BARCLAYS BANK DELAWARE
State: NC
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:
Hello, I currently own  a Barclaycard Mastercard Gold Card that is  part of the Luxury Card platform. I am also a  XXXX   XXXX   XXXX  service member. I applied and received the credit card under the  Servicemember 's Civil Relief Act. I w as assured both on the phone and via mail that I would be honored with no annual  fee ( or iginal {$990.00} would be waived ), and 0 % interest among other benefits that the card rewards all while remaining on  XXXX   XXXX  in the military. I was assured of this on multiple occasions all through Barclaycard employees. This past fall, I received a letter saying they were adjusting the SCRA benefits but I was still honored to my original benefits because with no annual fee or interest due to the fact that I have already been a member and have been grandfathered in previous to the adjustment in their policy. Then, this past spring, I received another letter in the mail stating I now owe the {$990.00} annual fee. This goes completely against the conditions in which I applied for the card and was assured by the company on multiple occasions would not happen, as long as I remain  XXXX   XXXX  (   XXXX   XXXX   XXXX   ). This has put me in an extreme economic burden as a service member forward  XXXX  now receiving mail stating that I owe a very large fee of {$990.00} is unprecedented and against all outlines in the conditions in which I was guaranteed by the company. This has placed myself and family in a very tough financial position tha t Barclaycard refused to be sensitive too. I am willing to provide any more information to help fix this issue and hopefully help any others that were affected by this. I am requesting to go back to my original conditions when i had the card before Barclaycard  changed and did not grandfather me in as they said. Thank you for your time.

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 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was an unauthorized XXXX Transfer using my Bank of America account. I did NOT authorize the transfer of over {$3000.00} to this user. This individual used my phone without my permission to transfer money to another account via XXXX and because this individual had my phone, this person had access to the authorization code sent to my phone to confirm the transfer. 

Regardless, I did not know that this individual had access to my bank account nor did I authorize this individual to transfer money using my Bank of America app. Bank of America has denied the fraud claim because my own phone was used to transfer the money, but this does not take into account the ability for fraud to happen if an individual besides myself was in possession of my phone. 

I would like to submit a complaint that Bank of America was not following regulation E, which provides protection for consumers who fall victim to 'unauthorized Electronic Fund Transfers ' ( EFT ), requiring banks to offer the victim compensation for any losses incurred.

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 2022-04-26
Company: EQUIFAX, INC.
State: NC
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:
Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent XXXXXXXX XXXX XXXX an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: FL
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 my loan in full on  XXXX / XXXX /  XXXX   and is still reporting as an open account affecting me getting approved for a mortgage.   XXXX   XXXX   XXXX   said there is nothing they can do I have filed a dispute with Equifax and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to 2nd time as of XX/XX/2021 sent verification of this alleged debt but this company continue to reply that I need to send verification to them to update whatever they assumed I owe. XXXX is allowing these companies to furnish false, theft and misleading information hurting the consumer. 

XXXX they sent a response saying verify some information so we can match our records. this sound like fraud to me. if the account and information is not aligning with the government and state laws then removal should be timely forced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Nationstar XXXX dba Mr Cooper is charging rate lock extensions XXXX borrowers by knowingly transferring all files that they suspect can close in less than 30 days XXXX employees who were on coaching plans for performance. They created a division called XXXX that all individuals who could not maintain regular production goals were demoted to. They then started transferring all loans without appraisals to this group. These loans can typically fund in less than 30 days, on average, however with the employees who couldnt do their job function in their previous role, they are extending the rates at a cost to the borrower.

Furthermore they require loan processors who are not licensed to discuss fees and update pricing/product changes when this should be a function of a licensed loan officer. Most often fees are not disclosed or discussed since processors are not trained in this area nor is it their expertise. These procedures are written in their call scripts. Closing Disclosure calls should be completed by the licensed loan officer who initially handled the negations of fees and pricing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported a collection on my credit report without any prior communication to me. I have never received any validation letters from this company. The alleged debt is XXXX from XXXX XXXXXXXX XXXX I moved out of this complex XX/XX/2021. I was allowed to leave the apartment before my lease was up due to XXXX  and XXXX  issues. I left my forwarding address with the complex and I also did a XXXX change of address on XX/XX/2021 so there is no reason why I should not have received any communication about this alleged debt. I would like to receive copies of the debt validation letters sent to me before this debt was added to my credit report. I have attached copies of email communication between from XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Problem with Navient - When I asked if I could make an additional payment towards the principal I was told NO - any payment I make goes right to the interest.     Also, I have an income driven repayment plan that I make every month and add more to it. When I received my last bill the interest charges was  XXXX  more than the previous several months.     I had to renew my IDRP ( which I did in time ) and even received the confirmation that it was approved. I was told by a customer service rep I did not file it in time. I told her I had the emails showing it was done on time. She said it was have to be transferred to another department and I would receive a letter within 7-10 business days, that was 3 months ago. I called this morning and they show no record of me calling them.     THESE PEOPLE ARE TERRIBLE ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased my home in XX/XX/XXXX, I got a first and second mortgage ( the norm then ). When XX/XX/XXXX came around I realized that my retirement was gone in my 401k and the company I worked for fired all of us. In XX/XX/XXXXI ended up filing chapter XXXX. I called the first mortgage company and said I wanted to keep paying on that debt in order to keep my home. I called the second mortgage company and said i could not pay them and would be filing on them as well as other debtors I had. Everything was fine and my bankruptcy was discharged in XX/XX/XXXX. I was able to acquire a HAMP mortgage through my first mortgage company which took effect in XX/XX/XXXX and remain in my home today. My issue is that I have applied for a reverse mortgage ( taking advantage of the increasing equity in my home ) and all was great except the new lender found that I have a lien on my home. The lien is from the holder of the second mortgage ( XXXX XXXX then bought by Green Tree Financial then bought by Ditech now ) and they have sent me letters reminding me that I am NOT responsible for the payback of the mortgage due to the statute of limitations that expired. I called Ditech and they corroborated the fact that I am NOT responsible for the repayment of the loan and admitted they have a lien on my home BUT they refuse to release the lien even though I am not responsible for the repayment that was discharged through my bankruptcy in XX/XX/XXXX. Is there anything you can do for me in regards to this problem? Is this a normal situation? Im sure they want to take advantage of the high home values in my area and get paid again ( since their insurance must have covered them from the initial 2nd mortgage loan ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have sent dispute letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to XXXX  about this navy Federal credit card account that on my credit profile in the amount of XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A XXXX XXXX debt outsourced to convergent XXXX was opened on my credit report around XX/XX/XXXX. Despite many calls directly to XXXX, and them stating each time I owed {$0.00}, I have to fight with convergent who reps always sound annoyed to work. 

I submitted my refund check from XXXX ( why would they refund me if I owed them money? ) as well as my equipment return receipt ( from XX/XX/XXXX ), no response. I called and they said they didn't get the return receipt, it's clearly in the email. However, I resent. 

I disputed through XXXX XXXX, and it was returned as a valid debt but yet XXXX has no clue what convergent XXXX is talking about it. It's been on my credit report for 4 months now and I haven't gotten very far. This greatly affects my ability to qualify for new credit. You would think they could simply call XXXX and resolve this. 

I should be getting paid to do all their paperwork for them at this point. Extremely upset and frustrated.

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 2018-05-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was involved in a settlement from Ocwen and i am attaching the settlement documents below ... On this settlement I am being awarded and offered a principal reduction on my home. I demand under this federal court order that this order be in compliance to my loan and I receive a principal reduction without having to repay any of the loan back to you. On this Court order it states that If i was affected I will be compensated in many ways. This is to include a principal reduction. I demand a principal reduction of my entire loan in the amount of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) as soon as possible. I also want my demand that my Property mortgage Insurance be taken off since my mortgage loan is below the 80 % loan value. I demand that the PMI being charged be taken off ASAP. I also demand that a XXXX Property Inspection fee be taken off my account charges. This charge was put on there in XX/XX/2018. I demand a phone call ASAP XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Medical Revenue Services called  me today, and when I told them I had the inability to pay until sometime next year, the lady 's ( she did n't give me her name ) response was " well, what I 'm going to have to do if you ca n't pay is report it to the credit bureaus. '' Then denied it was a threat. These rude and threatening tactics need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CARD Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My account has been blocked. I did not receive a phone call or email stating the change. I called to speak with the Supervisor XXXX ( employee number XXXX ) and he was not willing to assist me. They have caused me a lot of trouble within the last couple of months. I recently had to move out of my home because they did not send my card when they said they would. I literally waited 28 days for a new card. I could not afford the late fee with my home rental company. The manager or supervisor will not assist me or compensate me. The company is card.com. This company is really a scam. I am without a phone and gas right now because of this company and XXXX will not transfer me to a manager. They always say that a manager will contact me back and I have yet to receive a phone call from the manager. I have been told that since my account was blocked, my direct deposit was returned to the sender, which the last time, my direct deposit was placed in my account and I did not have access to it. Please help as soon as possible.

Company response to consumer: Closed with explanation