BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: DISCOVER BANK
State: IL
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:
A Account was fraudulently Used and exploited In my name with information from DISCOVER BANK account number XXXX I sent there investigation team multiple reports inorder to correct the reporting of this account because I was held responsible for the account I had to pay the balance of XXXX so that the account would not completely ruin my credit. I also filed a police report and sent it to the creditor .the fraudulent account now reports as paid but the account is still reporting incorrectly and should be removed I am still suffering from the covid 19 pandemic and an trying to obtain a mortgage this account reporting on my credit is stopping that from happening

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: MyScore LLC
State: CA
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
I am just learning that XXXX is a well- known and much-reported scam. This is a copy of the email that was sent to me asking me to do a free credit report. I am asking for my three months ' billings to be refunded. I am in touch with XXXX Fraud Prevention and I am filing a claim. I have also been in touch with XXXX ( which is the company that you allegedly use ) that this scam is ongoing throughout the US. 
I am on social media and alerting all that this company as a scam. 

Here is another example of it : https : XXXX? XXXX -- -- -- -- -- THIS IS THE FORM LETTER I RECEIVED Hi XXXX, Thank you for your interest in the property listed for rent. You were the second to e-mail from the ad. The first prospective tenant no longer had to move because of his home situation. So we give the opportunity to you. We are now ready to lease with flexible terms and just completed all new renovations. We will work with you on move in date, lease length and security deposit. 

I understand that you desire the exact address of the property but my husband does not want me divulge due to safety reasons. We have had a string of break-ins, squatters and thefts at our other properties. We want to prevent that with this property because of the renovations that have cost plenty of money. You 'll be the first to move in with the renovations. That is why we want to confirm you haveyour updated report before we schedule a tour. 

All utilities are priced into the lease along with garage parking spaces. The appliances in the kitchen as well as laundry room were just installed. You have the option to pick your paint color and flooring priorto your arrival If you would like to set up an appointment, go to the link below and request a copy of your report. We recommend this site because all of our tenants used it and have n't had any problems. Just fill out the form and indicate that you want the report. We are not concerned with any negative report items, it 's more of a formality to ensure you have rental history. You can get your report by CLICKING HERE Do not send me the report over mail, bring it to the tour. Please let me know when you grab your report. I can then schedule you for a walk through of the place. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-02
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This collection is for my wife 's car insurance. I was n't a licensed driver until 2013 and It never went into collection it was a late payment. My wife thought the insurance was paid for the year she said that when the late notice came she realized her mistake and paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX was terminated in XX/XX/2019, and had no contract with my company. My credit card company agreed to review my case with XXXX and determined my company did not owe XXXX about {$250.00} since I HAD GIVEN NOTICE TO TERMINATE XXXX XXXX properly. I was previously on an auto-pay to my credit card company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
This is regarding a hard inquiry : XXXX XXXX XXXX  on XX/XX/2021. 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but Equifax provided me with no concrete proof that it was authorize by me. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened a loan with Santander in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Southwest Credit System acquired a charged off account that I had through XXXX. They call me 5 or more times a day from various phone numbers. The majority of the times are robo calls and when i answer, it connects me to a live representative. They usually mask the phone number with an Indiana are code since I live in XXXX. The following is an example of what they are doing and this is just from XXXX XXXX. XXXX called 10 times, XXXX called 5 times, XXXX called 4 times, XXXX called 15 times, XXXX called 11 times, XXXX called 9 times and Unavailable called 6 times. There are other numbers and earlier dates but the above mentioned are the most recent. The times of the calls very during the day. For example XXXX ( XXXX ) XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XXXX., XXXX. and XXXX XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. This company has also put this debt on my credit report which I am trying to dispute. After reporting this, I plan on filing a written cease of communciation notice but I feel this company should be held liable for their collection actions. If any more information is needed please let me know. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Debt Recovery Solutions, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Recovery Solutions , LLC indicated on my credit report that I owed them {$150.00} for a debt that was not mine. I suspect that the debt is my son 's because he has the same name and when I called them I confirmed that fact and asked that they remove the collection from my credit report. I was told they could not so when I asked to speak to a supervisor I was told to hold and after 20 minutes I was told I would receive a call back. That was at XXXX so when I did not receive a call back by XXXX I called back and was told that they returned all calls by XXXX same business day. I had not received a call back by XXXX so I called back again and was laughed at by the gentleman that answered my call who said that it was 10 minutes until closing and they had 48 hours to call me back, The next day I received a call at XXXX from somebody who refused to spell her name who literally bitched me out and threatened to hang up every other sentence and racially harassed me until I hung up on her. This is not my debt and I am suffering from a decreased credit score as a result of this company not doing their due diligence to ensure they are attacking the credit report of the correct person by either checking the SSN or date of birth of the party before they arbitrarily put a black mark on somebodies credit report and I demand somebody from our governing authority do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
This is regarding a hard inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but Equifax provided me with no concrete proof that it was authorize by me. I contacted XXXX XXXX  but not getting any response. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: NV
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:
This is XXXX XXXX XXXX submitting this CFPB complaint requesting that the Crediet Bureaus remove the disputed fraudulent items removed from my Creditt Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy XXXX # : XXXX Liability : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, XXXX I deposited a check into my Bank Of America checking account from my ex husband XXXX XXXX for {$2500.00}. It was for court ordered alimony & child support payment for XXXX due on XXXX/XXXX/XXXX ( it 's dated XXXX/XXXX/XXXX idk why ). The check is written out on a Bank of America checking account. It cleared and no problem. XXXX XXXX XXXX I received a call that a check I wrote to my accountant had bounced. After further investigation I found that XXXX had put a stop payment on the check and they deducted from my account 45 days later. I 'm questioning the legality of this action. There must be some kind or rules as to limitations of stop payments can be made. I encountered not only embarrassment from this action but bank & other associated fees due to this action. I want to know if this is legal or not? I have filed a complaint with the bank with no success or answer to my question.

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 2020-03-25
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan balances are incorrect. I have addressed these issues with my lender and national data base. I have paid over XXXX on my loan plus payment on interest when I was in school. I constantly being taken advantage regarding my loans now they have move my loan to another servicer so I can remain further in debt to capitalize on a that should have been paid off. This is called loan sharks. I'm about to loose my home, car and everything due to all the fraudulent activity they have done on my account. Sallie Mae fraudulently consolidate a loan without my signature then Navient takes over put my account in forberance into default. Then Navient sells my account splits it up like I have serveral loans to capitalize on money under their umbrella companies. They never offer me any kind of assistance to help me with my situation. I'm a single parent who only took a two loans totaling XXXX now they got me paying higher interest and tons of fees. They took advantage of me a consumer who only took out what I needed not thousands of dollars in student loans. XXXX XXXX is my name not XXXX XXXX cause she doesn't have any loans. My email address is XXXX. please help me with the predatory loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and I was approved for a modification in the amount of {$1600.00} per month that I could not afford now. I have a change of circumstance and has been approved to opt out for the reason of medical problems XXXX that I have been diagnosed by my medical doctor. I have been back and forth to the hospital everyday undergoing XXXX. My wife is no longer living with me and my only income is {$760.00} per month XXXX. I was informed by my relationship manager that my approval to opt out of the previous mod was approved. I contacted Bank of America relationship manager and was not able to speak with him. Spoke with another relationship manager and was told I was declined for the modification that I opt out of that was told to me I was approved to do and start another modification process and would take ten days. My loan was originated FHA that I was approved to opt out. When I contacted the office on XXXX XXXX a relationship manager said my contact was not available and told me I was going to loose my home if I did not short sale or pay the entire balance owed on the home. She did not assist me on applying for a new modification just very rude. Did not care that the lender was not going to get any money for mortgage payments at all. I informed her I was going to file a consumer complaint again the lender for failing to assist me in saving my home, She said go right ahead. I informed her that I have to go back to court on XXXX XXXX and she said at that time I would be put out of my home. I was told that it would take 10 days for my modification for Change in Circumstances to be review and I informed her my wife has walked out and left me as well. My only income will be to pay the mortgage. She did not care. Very Rude Lady. Please assist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Capital Management Services, LP
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been being harassed at work at home on my cell and now they are calling my daughter and harassing her. I have no idea who the debt is for or what it is for when I try calling them I get put on hold and know one ever comes back to the phone. Now I am being harassed by some carrier service they say from XXXX county in Minnesota say they have legal documents for me that I must sign for and show ID for telling me they would be at my home today between XXXX and XXXX so I left work early today so that I could be here they never showed then revised a message that they are now going to serve me at my place of employment and embarrass me there because I was not home which I was and I have witness that I was here. Their constant harassment and threats are interfering with my life and my work. 
People like this need to be put out of business. 

The debt collector is Capitol Management Service. 

Any thing you can do to help would be greatly appreciated. 

Sincerely, XXXX XXXX

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 2022-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One Auto on XX/XX/XXXX This is an auto loan debt that was not mine. Someone by the name of XXXX XXXX used my name as a co-signer for an auto loan that I have no recollection of until recently when I was trying to repair my credit. Look at the original loan paper as well as the DMV paperwork and it will show that my name was not on that title or on that police report when this car was in a wreck sometime in XXXX. I did my investigation and that's what I found out from the XXXX XXXX police station. This was not a case that they can assist me with in filing an actual police report. I tried numerous times to get this off my credit report from all 3 credit bureaus but it is still there and ruining my credit. If they can't provide my name and signature on that loan and car title then please remove it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: GA
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 accounts : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

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 an account without written instructions.

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 2016-09-17
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied a modification on my loan twice. After paying the application fee, providing all the documents requested. I was threaten about losing my home .Had to struggle to make my monthly payments, was told could not help. Threaten foreclosure had to take more loans and further get into debt. Felt like l was being bullied or force no matter what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was moving to in XXXX of 2016 XXXX and on the way there I got a call saying my card was being used XXXX where I used to live. I told them it was not me and to cancel the charges. come to find out the canceled them then put them back on my card with out telling me. XXXX of my purchases on the way XXXX was a Hotel room XXXX a day before the first fraudulent transaction happened. I was clearly not any where near XXXX when those purchases were being made and bank of america refuses to accept my claim.

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 2017-01-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am just a cosigner on the loan. The amount changes every time they ( Navient ) call. They are telling me that I am so behind in payment when I just recently paid last month in XXXX and XXXX. Navient is saying that I owe double the amount. Navient is saying that I am two months behind, but I am not since I paid the amount that was due in XXXX and XXXX. The man I talked to had just threaten to apply against my credit. I am very displease with Navient. They are mistreating loan borrowers. I am unsure of what I owe them. The amount changes every time they call.

Company response to consumer: Closed with explanation