BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refied my home w Qicken loans. After a few months I got a letter dt XX/XX/2021 from Quicken in the mail indicating that the loan was being transferred to XXXX XXXX  effective XXXX, 2021. I was also informed that XXXX would be contacting me. 

It is now XX/XX/2021 and I have received no info from XXXX XXXX  regarding the transfer. 

I am hesitant to send my mortgage to a new provider without receiveing confirmation from the new provider XXXX. I have received no communication from XXXX regarding an account number or information for where to send the mortgage payamen. I have continuted to send my XXXX XXXX  payment to Quicken. 

I think it is wrong for Quicken to move so quickly at short notice to transfer mortgage payment. I think someone should be accountable to ensure that this handoff is managed well so that the customer, me, get assured that we have been transitioned correctly to the new provider. I am afraid to send mortgage to a new provider with just an address. I want an account number at the new provider so that I am assured that my payment is recorded correctly. 

best regards, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Received multiple calls within minutes of each other at XXXX ( I live in XXXX  because I'm in the XXXX  ) from COAST PROFESSIONAL INC. . I called back after almost ten minutes to inform them they were calling before XXXX XXXX  and that they're not legally allowed to do that. I am not the person they are attempting to get ahold of and they even released some information without verifying I was the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Assoc - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
I had credit cards stolen out of my lost wallet.I reported cards stolen within XXXX. I had a total of XXXX credit cards in my wallet. XXXX of which were Bank of America. The other XXXX had charges but were denied by XXXX, XXXX, XXXX Bank. I was called and questioned about charges and asked if I had my drivers license. I answered yes because I had to get them replaced. They said my license was used in purchase so they were going to deny me and make me responsible for charges. I continued to pay the debt left on card before they were stolen. Once balance was paid I refused to pay charges from the fraudulent charges to my card. They have continued to run down my credit score. I need some help stopping this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Block, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Square OFFERED me an application requesting my social security number ( CREDIT CARD ), to have them manage my business payments and I ACCEPTED their offer next CONSIDERATION took place. I was able to open the account and as soon as I started accepting payments they froze my account withholding all of my proceeds. I called in and asked why my funds were being withheld and they stated because the account was new they needed me to provide documentation before they would release my funds. I provided them with the requested documentation and was told that I would not have this issue again. I had another sale and has my customers submit overall payments through my Square account and again they withheld my funds. The last time I took payments vis Square was on XX/XX/XXXX, and yet they have failed to tell me what I did to be discriminated against and have yet to release my funds in the amount of {$2900.00}. GAAP follows an accounting rule that lies at the heart of the double-entry bookkeeping system called the Matching Principle. All federally insured banks ( FDIC ) must follow what is called the Generally Accepted Accounting Principles ( GAAP ) which are found in the federal statutes at 12 USC 1831n. Anything accepted by a bank for deposit would be considered as cash. Generally Accepted Accounting Principles, XXXX XXXX, XXXX XXXX page 41, Cash and Cash Equivalents. This principle works as follows : when a bank accepts bullion, coin, currency, checks, drafts, promissory notes, credit card applications, or any other similar instruments ( hereinafter instruments ) from customers, and then deposits or records the instruments as assets, it must record offsetting liabilities that match the newly deposited assets. These liabilities ( Demand Deposits ) represent the amounts that the bank owes the depositor, or customer ( i.e., the funds accepted from customers ). I want JUSTICE and REMEDY IMMEDIATELY! 
FTC Report File # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete this immediately : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Currently I have multiple private student loans through Navient ( formerly XXXX XXXX ) totaling {$52000.00}. These loans were taken out over the course of the years XX/XX/XXXX and XX/XX/XXXX for my XXXX degree. I have never missed a payment and my student loans have recently come out of deferment ( for the second time ) since I graduated with my XXXX XXXX. I have called twice and requested that they work with me to lower my monthly payment, which is currently {$380.00}. I do not qualify for IBR. I have twice been told that the only way to get assistance would be to default on my loans. I do not want to default on my loans because I value my credit and my mother is my co-signer. My mother is currently unable to offer any financial assistance. Navient has told me that there are no other options and my monthly payment can not be lowered or extended in any way. I believe XXXX/Navient was predatory in the issuing of these loans to begin with and now they are unwilling to make any changes until I 've destroyed my credit. I have looked into refinancing through another company but so far have met little success due to the requirement of a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX, my former husband and I purchased a house together. At some point, the mortgage was transferred to Bank of America. In XXXX, we went through a non-contested divorce, and he agreed and the court confirmed that he would assume responsibility for the mortgage. At the time of the divorce, I contacted Bank of America and requested separation paperwork which I filled out, signed and submitted. Evidently, my former husband did not fill out his portion of the paperwork. I followed up with him and was made to understand that my name was off the mortgage. A few months ago, I signed up for online banking through Bank of America, because my XXXX rewards card had been transferred to them. I discovered the mortgage was still listed in my name as well as his. I contacted my former husband and he told me he was working on refinancing the house. I also called the mortgage division of Bank of America and asked what I needed to do to get my name of the mortgage. I was treated in a very rude and condescending way. The representative said, " I do n't care what the court says. It does n't matter ... .You are responsible for the loan! '' My ex-husband assured me that the refinancing process was underway. Then a few days ago, I received an email from Bank of America indicating that I was in danger of defaulting on the loan and threatening that my credit rating was in danger. I again contacted Bank of America and explained the situation. While this representative was a bit kinder, she again said that it was up to me to cover the loan or that the activity would be turned over to the credit agencies. I contacted my ex-husband and it turned out that as part of the refinancing process ... two payments had been made on the final mortgage payment to Bank of America and they had applied both to the principal instead of to the payment. So it was their own mistake which resulted in the call and the contact. Their choices resulted in a huge degree of stress and fear for me. And they blamed me for it. Fortunately, the refinancing is complete and the account will be closed in two days. But their insensitivity and lack of coordination resulted in a great deal of anxiety for me. I pity former spouses who do not have good relationships with their ex husbands and ex wives. I 'm not sure why court orders do not apply to financial institutions or what measures divorced people must go to to enforce those decisions, but I am very unhappy with the way I was treated by Bank of America.

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 2022-11-14
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXXalance Owed : {$730.00} ; 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 2022-11-14
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete this immediately : 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 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 XXXXXX/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 2017-03-03
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The loan balance never goes down. Whenever I phone them to talk about the balance they cant even provide me information on how the interest is calculated. 

When you log in to the account online there is no information on current balance, or interest applied to the current balance. My loan is 5200 $ ( aprox ) and when I calculate 6.8 % that is 350 $ roughly annually, this would be okay but I always pay more than 350 $ /12 - I think that the way they calculate their interest is slimy and not honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: CA
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 would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXXXX/XX/XXXXXXXX

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 2016-11-21
Company: Capital Accounts, LLC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was rear ended in a car accident XX/XX/XXXX Hired attorney, XXXX to assist. He sent me to XXXX XXXX. I went there for about six months with no relief. I never signed a piece of paper or gave them a credit card or received a bill of any kind from these people. I had to fire my attorney and hired XXXX to handle the case which was finally settled in XX/XX/XXXX. 

I received a phone call from the XXXX and referred him to XXXX, my attorney, who told him the case had been settled, that no bills had been submitted to him, and that no money was due. 

The XXXX called me over the phone and told me I owed him {$5000.00}. I told him I had received a very small settlement and all bills had been paid from them and that I never signed an agreement paperwork or a bill of any kin from him. He said he was going to collect his money and that he was going to have collections come after me, which he has done and my credit is now ruined due to this mark on my character. 
He turned it over to a collection agency and reported it to all XXXX credit reporting agencies. I am XXXX have worked my entire life to have good credit. Before this mark on my character, my report was XXXX. He has done serious damage to my name and reputation as I am a respected person in the community. XXXX turned it over to capital accounts llc who have been harassing me over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from 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 explanation
Consumer complaint received 2015-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We have disputed inaccurate info with the credit bureaus previously but all they did was indicate on our files that the info was under dispute and never removed it which was what was warranted. We went into a Chapt XXXX in XXXX 2014. All creditors are included and will be receiving payment from the Chapt XXXX. All XXXX credit bureaus still have not updated our individual credit files to reflect that we are in a Chapt XXXX. It 's being indicated on our credit bureau reports that we still have accounts in collections when all the accounts have been in Chapter XXXX since XXXX 2014. We contacted the individual creditors but they said it is not their problem. When the creditors submit info to our files, they indicate that there is a dispute as to whether the account can be included in the Chapt XXXX. We have verified that the accounts are in Chapt XXXX and that there is no dispute. XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX XXXXXXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX  XXXX Original creditor : XXXX Account number : # XXXX Account name : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
Account number : # XXXX ALLhave all violated my legal rights under the following laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am continuously getting phone calls from the company in question about, what i assume, is a debt for someone who is not me. I answered the phone and spoke with someone several months ago and let them know they had the incorrect phone number and asked that they not call this number again. They have continued to call weekly and sometimes daily. I have caller ID and do not answer the phone any longer. However, this is my work place phone and would appreciate if the calls would stop. This has been ongoing for at least 6 months, if not longer.

Company response to consumer: Closed with explanation