BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was informed all paid medical collections should be removed, two old paid medical accounts are still listed. These items were disputed and nothing was removed. Why is n't Equifax complying with the law? Please help assist

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX md XXXX eqiurefax as me down as XXXX XXXX XXXX XXXX XXXX XXXX marylandXXXX and says i owe comcast {$220.00} comcast says it is not my account and i no this and eqiurefax will not remove it evevn when i have proof i donot owe any one any money please help me as this is messing up my credit i have a letter from comcast saying that i donot owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Other financial service
Sub-product: Check cashing
Issue: Advertising and marketing

Complaint:
Hi Bank of America HARD SELLS far worse than XXXX XXXX. 

B of A employees can BE RUDE and condescending ... not letting the topic go..and talking loudly about you NOT having an account for others in line to EASILY hear ... 

I wonder what CEO, at the upper level, is pressuring their staff to act like this??? 

Very selfish practices Region Locations are XXXX on XXXX and XXXX Oregon XXXX, XXXX Oregon area

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 2016-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had an account with bank of america since XXXX they have closed all of the local branches in my area and the closest bank is half hour away from me which has been difficult as a customer but I just dealt with the inconvenience. I worked very hard to pay off my credit card with Bank of america with a {$5000.00} credit limit. XXXX day I go into my online banking to check my accounts and my credit card was not showing. I called the bank and they said they had closed my account no notice just closed. I had never been late and never had an issue with this card had the card since XXXX they had just sent me checks in the mail where I was going to use XXXX at XXXX for 0 % interset until XXXX. I am so glad i did not having no idea they closed my account I would of been mortified. It has sbeen nothing but difficult to keep a relationship with bank of america they do not care about there customers or having a long relationship with them. After years of having a perfect relationship with them they close my account with a zero balance because they say my utilzation is high on my cards. I am done with them closing branches everywhere and not having relationships with there customers there is so many other banks that do n't treat good customers like this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: National Credit Adjusters, LLC
State: LA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
On my credit file, a National Credit Adjusters collection account in the amount of {$950.00} appeared. Date reported was XXXX/XXXX/2015. I contacted the number listed on my credit file to inquire about the debt. A representative stated it was a payday loan account that was from XXXX. I stated to the representative that I had not done business with this company and this was not my account. I contact XXXX but they said they did not have an account in my name. The company is stating that I received a loan but I am disputing that I am the borrower. I am not the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Credit Bureaus never did a proper " Investigation '' according to the FCRA The Term " Investigative consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They Did Not Do This.

Also, They have violated my rights even more In Accordance With The Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus Stated my accounts was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This Grounds for Removal. 

They also violated the law because according to 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions I did not give anybody 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 2017-01-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Data IQ has been calling me non-stop, after I 've told them I can not pay them at this time. When I told them I could n't pay today, they said " well, I 'm sorry for what is going to happen to you next ''. They have implied threats to me, and are now calling me at work. I never received any notice that this account was being sent to collections in the first place, and now they are charging me interest!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Follow up to my complaint # XXXX XXXX. My complaint continues against my Mortgage Company Ditech Financial. Today XXXX I got two notices in the mail from Ditech. One says the flood insurance increase they requested has been met. The other says starting XX/XX/XXXX my house payment is going up from {$730.00} to {$810.00} to pay for the increase because they are mistakenly charging me {$210.00} for the flood insurance increase that I already purchased through my flood insurance company called XXXX XXXX XXXX. I paid XXXX at XXXX {$31.00} from my credit card on XXXX. The policy was due to expire on XXXX. I have no idea why she waited that long. My attempts to solve this issue started in XXXX and XXXX when Ditech informed me that a flood insurance increase was needed. I didnt ignore those letters as Ditech accused me of doing. I have sent at least 10 emails and made a half dozen phone calls trying to solve this issue to no avail. Thats why I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: SC
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:
Letters were written and dated on XX/XX/2022 and a required response was supposed to be received to me within 30 days with original contracts as stated in my dispute letters of ALL the accounts in question must be deleted off of my credit report, due lawful collection fee amounts. I have not been provided with ORIGINAL CONTRACTS FROM ORIGINAL MERCHANTS ON ALL attached to debt. certied mail was used with tracking numbers ( XXXX  - XXXX ) ( equifax - XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CAVALRY INVESTMENTS, LLC
State: CA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They send me a email threatened me to send me to jail!! I have the email. I paid this loan off I have bank statements shows that they took there payments out every two weeks for 3 years XX/XX/XXXX to XX/XX/XXXX, I do n't like being threaten to be sue and arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Navient Solutions, LLC.
State: NY
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:
My current lender is Navient, and my schools for undergraduate and graduate were XXXX University in XXXX, XXXX, XXXX XXXX in XXXX, XXXX, and XXXX University in XXXX XXXX, XXXX. Inhumanely, Navient has been calling me 8 to 10 times a day threatening me with default, but claiming to offer a suitable repayment plan that will avoid such action. When I return the call, I explain my situation : I am unemployed with health struggles that have left me XXXX to work for a certain amount of time due to, XXXX and XXXX. Despite this knowledge, as per their usual, they deny me a repayment plan. I have not once denied that I will pay, but their inconsistent influx of what is due has placed me in an emotional tailspin. Sometimes, they claim that I need to pay XXXX a month and can not go any lower, sometimes its is XXXX, and others times it is XXXX, causing me to assume that my payment really depends on whom they summon to their bidding. I have offered to pay each time, but they deny my money unless it up to par with their impossibly high demands. Sometimes these calls, are cruel and cold, as I am treated like a sap rather than an educated human being trying to avoid a lifetime of debt and credit destruction. They no longer offer me forbearance or deferment, nor anything type of assistance that can help me avoid default, despite their knowledge of my situation. When I asked for further information on my personal loan and what they have documented over it, they became distant and uninformative. I even struggled to get my username and password from them after I forgot it, and could not login. I have been placed in XXXX from this company that has veiled its destruction of me, and many others students, as helpful. They are cruel, cold, and calculated, and ignore my plights, despite having said that when I get a job, of which I am actively searching for, that I will pay more of what they desire, but can not do so right now and maintain livelihood. They have proudly announced, that despite all my efforts and attempts to comply, that I was not good enough, and they will charge me off. This information was told by my last Navient aficionado whom announced that the banks will buy my debt on a discount and really ruin me, as if I was to be grateful that a lesser evil is trying to spare me only according to its own whims from a greater evil.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Beginning of 2022 i attempted to get continued XXXX  assistance my application was denied. In early 2022 i did a modification. The modification was completed in XXXX of 2022. I paid the amount of modification i attempted to pay my debt in XXXX of 2022. I saw my payment increased by almost {$300.00}. I contacted the company they said my escrow amounts increased. After review of escrow analysis it increased total XXXX. The company stated the escrow balance would not be up to date based on what should be maintained in the account. I neber received a formal notification of any change to a modification that just occurred XX/XX/2022. 

I beleive two things are occurring : 1. After finalizing a modification which only reduced payment by {$25.00} 2. Mortgage servicer and lender are attempting to recoup XXXX  assistance monies without using that term. 
3. Mortgage servicer and lender are attempting to increase payment to force a foreclosure because of current housing market and lack of peoperties

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: VA
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:
show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all filed ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Byrider Franchising, LLC
State: IL
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
CNAC car creditor keeps updating status on my credit report that should have been removed when the original date was  XXXX  of   XXXX   and  XXXX  wo n't remove it. Its showing up as a paid charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There is a company named Cavalry Portfolio Services that was deleted from my account on XXXX XXXX, XXXX and failed to meet FTC requirements for reporting information and now this trade line has reappeared on my credit report. They have reinserted the inaccurate information on XXXX XXXX, XXXX. 
CAVALRY PORTFOLIO SERVICES XXXX Reported Collector : CAVALRY PORTFOLIO SERVICES Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XXXX Balance Amount : {$560.00} Date of Status : XX/XX/XXXX Status : Closed CAVALRY PORTFOLIO SERVICES XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: PA
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:
I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted as soon as possible. I have reported the theft to my identity to the Federal Trade commission. I have attached a PDF document reflecting all items. Please investigate these matters and remove the disputed items as soon as possible. Unknown inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My lawyer told me all my hospital bills were taken care of including this one when we settled with the other attorney when I was in a car accident. He said I had no more bills to be paid or be worried about. I dont know why after all theset years it 's still on there I have disputed it many times and other collection agencies pick it up but it has hurt my credit over time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent multiple dispute letters to TransUnion on XX/XX/2022. None of my disputes came back as verified or investigated. I also never received any communication of investigation results.

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 2022-09-17
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:
The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : 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 : states a consumer reporting agency can not furnish an account without my written consent. 

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 XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation