BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax &   XXXX   XXXX   shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of   XXXX   who 's payments are current.
Why em i being denied as if I have some collection issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: MO
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in violation : XXXX XXXX number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXXacct number XXXX XXXX XXXXNo account number listed XXXX XXXX XXXX XXXX No account number listed 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 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 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 2021-01-05
Company: Colony Brands, Inc.
State: LA
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:
On my XXXX account XXXX  is reporting XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 as late. I spoke with XXXX credit department and I was informed that they did not report that to XXXX. I spoke with XXXX at XXXX  who stated they received the information from XXXX. I would like for this to be looked into b/c it appears that XXXX  is reporting inaccurate information. XXXX as well as XXXX  have the correct information. I did file a dispute but I would like to insure that the inaccuracies are taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank offers fraud protection but they did not honor it for my case. XXXX XXXX fraudulently charged my card for {$1100.00}. I disputed this amount because they changed the cancellation terms without notifying me and then when I disputed it, XXXX sent the terms that I did not agree to as their proof. I disputed it a second time and then XXXX lied and said I did not cancel in time. Citibank can see both responses from XXXX are not valid because I sent Citibank the original terms I agreed to that allowed me XXXX hours of cancellation with no penalty. I also sent them proof that I canceled XXXX weeks in advance. When I spoke to Citibank they said they can see that I am right but if XXXX won't agree to pay them back then they will not pay me back. How is that fraud protection? The Company committing the fraud would never agree to pay them back so I am not protected at all. This is false advertising. 

Please have Citi refer to my Dispute Case ID XXXX XXXX XXXX XXXX which was filed with them on XX/XX/2022.

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 2016-05-25
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
This company is trying to say they have a loan on my house. Ocwen personal and confidential : XXXX XXXX, XXXX XXXX PA XXXX. My loan was written off by Litton Loan ... and there is a class action Lawsuit against them. Ocwen is now on my credit report ... starting from the time they say there loan started This is my second report. They also have class action lawsuits against them. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: CA
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:
These following inquiries on my credit file are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-17
Company: Gatestone & Co. International Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
GATESTONE CO & INC has sent me a debt collection letter in attempt to collect a alleged debt stating they are financial partners with XXXX XXXX. Notice it is a fact GATESTONES CO is a debt collector and falls under FDCPA. Notice it is a fact XXXX XXXX has charged off the alleged debt and has sold it to GATESTONE CO. GATESTONE CO has violated me on multiple occasions under the FDCPA and are liable for damages under 15 USC 1692k-15 USC 1611 and 15 USC 1640. I have tried to settle the matter IN GOOD FAITH and GATESTONE CO has ignored me and tell me they do not fall under the FDCPA and that they are not a debt collector which is false and misleading. I have DEMANDED validation of debt under 15 USC 1692g and GATESTONE CO has failed to validate accordingly and state they do not have to validate according to Federal Law. I am tired of dealing with this debt collector and they have caused me damages in the form of mental stress and physical tiredness. I have been lacking sleep and not eating well because of the misconduct and failure to respond to me accordingly by GATESTONE CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: SILVERGATE CAPITAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On the XXXX of XXXX, XXXX, I wire transferred {$3000.00} ( XXXX XXXX XXXX  ) from my account at XXXXXXXX XXXX XXXX, XXXX, to Silvergate Bank in favor of XXXX XXXXt account where my son has an account. The intention was to purchase crypto currency with the money. XXXXXXXX XXXX  confirmed the transfer by swift message. However, the money has never made it to XXXX XXXX account to fund my son 's account. I contacted XXXX XXXX via email and they confirmed that no money was received. I wrote an email to Silvergate Bank on the XXXX of XXXX, XXXXXXXX, and I have still not received a repky.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: The Bureaus, Inc.
State: AR
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 recently found after checking a copy of my credit report I noticed some inaccurate information reporting fraud-related accounts that were opened without my knowledge or consent. I have made contact with all parties involved and this account still remains on my credit report. I have submitted several pieces of supporting documentation to further validate my claim. I am exercising my rights under the FCRA and FDCPA in regard to victims of identity fraud. I've never had any account or contract associated with the Bureaus Inc nor received any goods, services, or money in relation to any account associated with the Bureaus Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im a XXXX and a XXXX essential worker. Due to XXXX complications I ended up not being in the physical state to make a payment. I had more than enough funds to pay. My partner also called at the time to try to make a payment on my behalf but Capital One would not talk to him Ive see Capital One has removed late payments for other essential workers and I was hoping the same could be done for me. 

Please see attached my XXXX ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX  Account XXXX xxxxxxxxxx XXXX, XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXXt Account XXXX xxxxxxxxxx XXXX, XXXX XXXX Account # 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 a account without my 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 2017-03-03
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am default on my Fed Student Loans. I was contacted by Navient ( XXXX ) to work with me to rehabilitate my loans in XX/XX/XXXX. After going through a 1 yr program paying {$50.00} a month I received a new bill from Navient increasing my payments by hundreds of dollars. 

I contacted Navient to see what could be done to reduce the payment back down and automated phone system would just reroute my account to speak with an associate that refused to discuss my Fed Student Loans until I paid off a private debt they had on me. 

I was not aware and could find no documentation of a seperate debt and informed the associate I was calling to dicuss my federal student loans. Which he refused to discuss. This took place late XX/XX/XXXX at which point i once again had no choice but to let my loans go into default because Navient refused to discuss my repayment plans. 

I am once again trying to figure out how to get my student loans under control from XXXX which has since closed due to the remove of Fed funding by the Federal Department of Education. I have now learned that the Fed is sueing Navient for the exact issues that led to my loans going into default again as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally financial repeatedly reports I had a late payment in XXXX 2016 but I paid double that month and they refuse to remove it.

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 2022-06-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX Bank Account XXXX XXXX XXXX, XXXX XXXX  Account XXXX xxxxxxxxxx XXXX, XXXX XXXX  Account # 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 a account without my 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 2022-10-11
Company: Healthcare Collections-I, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company made no attempt to verify this debt to send me any validation that I owe the dead and they are not licensed to collect this debt in Kentucky

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 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I've tried to get a PPP loan with Bank of America ( BofA ) numerous times and they passed over my small business in favor of the large private equity and institutional clients they have.

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 2016-04-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage and I requested a modification that was approved in XXXX 2015. I am filing a complaint because I believe that the terms are unfair and put me in a worse off position than I was. The terms are for 40 years and there is a huge deferred balance that is not explained that is due at the end of the loan. I am was not behind {$83000.00} which is the deferred amount. What is this, how was it calculated and how am I supposed to pay this new loan for 40 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
my current payment is just under XXXX $ a month ... this is an insane amount and unreasonable to expect me to be able to pay this, especially when you factor in my XXXX a month payments to my federal loan. When I called to try and resolve this I was basically told I can not change it since I have XXXX co-signers and with their incomes factored in I should be about to afford this. This makes no sense to me.. this is setting me up to fail. How is it fair to factor in my cosigners monthly income when factoring whether I can afford to pay. A cosginer is supposed to be a fallback when I can not affford the monthly payment .. with a monthly payment of XXXX $ I will NEVER be able to afford this. Meaning it ALL falls on my cosigners. WHY cant they come up with a payment based on MY salary and MINE alone. So that JUST MAYBE I could actually afford to pay this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My XXXX student loans were forgiven on XXXX/XXXX/16. Navient refuses to report XXXX balance to XXXX. I have disputed 4 times to no avail. Navient acct XXXX.When XXXX asks for docs they tell them the balance between the XXXX is $ XXXX instead of zero.I can not get Navient to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX put me in collections after they agreed to cancel my contract because of bad service in the XXXX Fl area and it is now appearing on my credit report XXXX years after the issue was resolved.

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 non-monetary relief
Consumer complaint received 2015-04-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I recently called Navient, my private loan lender. I told them that at this time I make about {$300.00} less than what I need to make to cover all my other living expenses. I told them I have proof if need be. The woman I spoke to added all my current bills, added them up and told me the best she could do is {$200.00} a month. If I pay this I will have to sacrifice something I actually need, like gas money, my phone or food. I have no family to help me and I do n't live some extravagant lifestyle. I told her I could pay her {$100.00} now because I just got my taxes back and I could try to do so every month until my circumstances got better. I have been looking for both part time evening work and other substantial gainful employment since I graduated in XX/XX/2014, but I have had no offers. I have proof of how many applications I have sent as well. She told me that it would n't matter and that my account would still go delinquent and eventually get " charged off ''. I am trying, I ca n't do much more than what I am to get better money to pay these bills. I want to pay something but it does n't seem to matter and I 'd basically be wasting my money anyway. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
For a period of time, my mortgage was underwritten by Wells-Fargo ( because mortgages are allowed to be bought and sold freely with no input from the customer ). How do I know if I am one of the people who has been wronged in this fiasco? Will Wells Fargo be forced to somehow publish the names of its victims so we can look ourselves up? 

The action of Well Fargo is likely to have damaged the credit ratings of many, many people. Today credit ratings are vital to most every aspect of a person 's life, since they are used as the basis not only judge whether you can receive a particular mortgage or car loan, but they are used to approve rental applications, financial aid for education opportunities, and to determine employability by many employers. Something must be done to restore the proper credit rating standing of these people. What can I do to find out whether Wells Fargo 's action affected my credit rating and how can I fix that damage? 

I know that Wells-Fargo has been cited and fined for defrauding the public, but I am asking that you also pursue them for each and every case of *identity theft* in which their staff engaged when using the names of customers to open accounts without the customers ' knowledge. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Mid-Atlantic Consumer Services
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I recently received notification from my bank the my account had been levied by Mid-Atlantic Recovery by way of XXXX XXXX regarding a debt that is more than 10 years old. I did n't receive any written notification to appear in court so that I could dispute it. O have sent a letter to XXXX XXXX questioning the original debtor and how can they initiate legal action against me on an old debt. I am awaiting a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV
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:
I reached out to the company and the person on my case is always rude. He told me about how if i do not decide to pay that my credit will drop more because they will be charging more interest or rate on it. After that phone call we talked again the next day and same person refused to take my call and gave it to somebody else that told me they were busy. They brought up on how i even tried to make a payment before and it made no impact so that i need to just pay the whole thing so that im not getting charged interest daily on my collection. I was also told that I recently ran my credit to apply for a car loan and that i should just pay my medical collection. 
Its really embarrassing knowing that not just one or two people but multiple people know my personal medical information and history and my credit information as well as if I recently ran my credit. I also need a break down of what was done at the medical facility for me to receive a high medical bill from only a 2 hour visit.

Company response to consumer: Closed with explanation