BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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 XXXX  Account XXXX XXXX Account # 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 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 2017-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of American is actively reporting foreclosure accounts on my credit report that are more than XXXX year old since last activity ... .When attempting to request them to remove these old account from credit report all requests were ignored and XXXX of the letters stated that " they could n't find the account in their system '' ... which is a FCRA violation on multiple levels. They should NOT be reporting an account they do n't have or ca n't find, and should not be reporting any accounts past 7 year statute of limitations.. please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: AZ
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:
According to below LAW States 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 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with 2 different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXXXXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

In Accurate address : 1 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX this some commercial address not even home address 4 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX InAccurate Names : 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 BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX credit cards with Bank of America. I had opened XXXX account in XXXX and I opened the other in XXXX. They closed both of my credit card accounts on XX/XX/XXXX and they sent out 2 letters shortly thereafter. They have written and stated that the reason was irregular authorized user activity. Any authorized users on my accounts were permitted by myself, the authorized user and Bank of America otherwise they would never have been added/approved. They also took my cash back rewards and told me that I forfeited those funds. Those funds were about {$140.00}. They even told me that this is part of their rewards program rules. This simply sounds like they are allowed to basically take the funds at any given time instead of forwarding those funds to the credit card holder. This in itself should be illegal as I could understand if I closed the accounts but I didn't, they did. I did not receive any phone calls or letters that there was any irregular authorized user activity on my accounts or any concerns with my accounts other than 1 call sometime this past summer asking if I had added an authorized user to my credit card. That was the only phone call that I received from Bank of America in XXXX from what I recall. I spoke to Bank of America and still have not been given a legitimate reason why my XXXX accounts were closed other than what I have stated and was told Bank of America can close out anyone 's account at any time for any reason and if we close out your account all funds in your cash back rewards account are thereby forfeited. This again does not seem right or fair in any way because if any bank decides they simply want to close out a person 's account and that person has cash back funds sitting in their account they would all lose their money. They even told me I could request to reopen both accounts knowing in advance that the request would be denied shortly after they run my credit because they already knew that the notes in their data base indicated that they revoked my credit cards. The letters did not mention anything of the sort and I requested for both cards to be reopened and it wasn't till after they re-ran my credit did they tell me the accounts are revoked. Again I do not feel this was warranted, I was never late, no true explanation for this and the closure of both cards had a negative impact on my credit report which why I am filing this complaint.

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 2019-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a credit card. 

The bank never sent me the card. The bank wouldnt let me set up an account online to view my transactions or make payments without a physical card. 

The bank then said my card had a balance but couldnt provide details on purchases because I hadnt received my card and couldnt confirm my account. Furthermore the bank continued to try and correspond with me via mail when they were having issues sending mail to me. I confirmed my address with them and Meanwhile I have a bill due with them. 

I opened a fraud claim but it was only opened for one of the purchases. When my they tried to correct this, they had issues and said Id have to call back another day to open a dispute for the other purchases. 

Nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I sent Midland Credit Management a notice informing them of inaccurate information being reported on my credit report. I also informed them of why I needed the incorrect information corrected for Tax filing purposes. The company has listed this account on my XXXX and XXXX Credit Report as a charge-off, however, they never sent me a 1099c which is what the IRS informed me I should have fact received so that I may correct my Tax return. This is being reported on my Consumer Report as a Debt that is owed when it is in fact income. If this is the case, I requested the 1099c from Midland directly however, I have yet to receive a response with the information requested and that the Internal Revenue Service informed me to request. This can not be correct and therefore is inaccurate as it can not be debt and an income at the same time and how it is currently being reflected on my Consumer Report. This account Midland Credit Management is furnishing needs to be removed as soon as possible. Additionally, I sent out notices to XXXX and XXXX advising them that this account is inaccurate as well and the account still is being reported more than 60 days later. If this can not be corrected at this step with CFPB and Attorney General, I'm forced to turn this over to my Attorney to pursue this issue further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Midland Mortgage, they have provided some assistance when I was unable to pay due to COVID-19. Now I have become XXXX XXXX XXXXXXXX through the VA and requesting that my mortgage be reduced which I am entitled and it seems to be a bit more difficult. I have attempted to send the documents via fax and the initial fax number was not a good fax. Then I faxed them using a fax at the library this occurred in XX/XX/2022. I continued to follow up, also let me remind you that I also applied for a reduction in my mortgage due to my XXXX and my income being reduced so they had all of the paperwork the early part of XX/XX/2022. I sent them all of the documentation which shows that I'm XXXX XXXX  XXXX and most states have many benefits for Veterans one of the is not paying Real Estate Taxes. Yet, here we are and I'm still waiting for them to deduct them from my mortgage. I've been following up since them and I've been told if it doesn't have a numerical value it will delay the process. Which the document from the city states that I'm entitled to XXXX XXXX exemption. I'm fearful that this Mortgage company is going to start foreclosure process. I attempted to make a payment and had to use two methods of payment and it was refused. I've been struggling to pay many of my bills because I'm adjusting to getting paid once a month. It's unfair for them to say it will take 30 business days when Veterans should take preference in the process.

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 2022-09-04
Company: EQUIFAX, INC.
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:
XX/XX/2021 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2020-03-26
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was previously delinquent on my mortgage with XXXX XXXX mortgage company. 
I entered a loan modification agreement with XXXX XXXX and made all 4 on-time trial payments from XX/XX/XXXX to 1XX/XX/XXXX. I made an on-time payment in XX/XX/XXXX as well. On XX/XX/XXXX the mortgage servicer was changed to Midland Mortgage and I have continued making on-time payments to Midland Mortgage. I have called Midland Mortgage each month to make a payment and ask them if they have my loan modification paperwork. Midland says that they have received my payments and that they have not yet processed my loan modification paperwork. It has been over 60 days since Midland Mortgage has begun servicing my mortgage. The current Midland Mortgage Statement says that the amount due as of XX/XX/XXXX is {$8600.00}. There are {$6700.00} in overdue payments and {$730.00} in fees and charges. My loan modification says that my monthly payment should be {$750.00} principal and interest as of XX/XX/XXXX. The principal and interest on the Midland Mortgage statement shows {$860.00} which is {$100.00} than I should be charged. I am paying what they ask because I don't want them to take my house. I am also concerned about delinquent payments showing on my statement when I should be starting fresh with only my agreed loan modification payments on my statement and no late fees or previous past due payments. I would like to complain against both Midland Mortgage and XXXX XXXX and request that this situation be fixed immediately. I kept all documentation which includes the current Midland Mortgage Statement, a payment history from XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, a good-bye letter from XXXX XXXX showing that the servicer changed to Midland Mortgage on XX/XX/XXXX and the signed & notarized loan modification agreement.

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 2016-03-30
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient, today, left voicemail on a 3rd party persons phone ; who does not have any ties to these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Net Pay Advance, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled my credit report and on it was listed a Judgement in the amount of XXXX for XXXX for a loan through NETPAYADVANCEXXXX. I have no idea what this debt is I have contacted the company as well as submitted 2 disputes on behalf of this debt andt trying to get it removed. The company however has been nothing near helpful with the removal of this debt. They tell me that all they can do is accept a payment on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed these hard inquiries from my equifax and XXXX reports but they wont remove them. These are fraudulent inquiries. 
XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in late XX/XX/XXXX my mother had a situation which caused her to become XXXX and not able to leave her home. I left my job and moved in with her in order to help her which turned my life upside down. I had a local nonprofit help me gather all documentation ( Fax, Confirmation, Separation letter, Social Security Confirmation Letter, Letter from former employer, etc. ) and fax it to Navient. I received a fax confirmation from the nonprofit for me records, but in XX/XX/XXXX I received a report that my credit score had dropped due to 10 missed payments being added to my credit report. I filed a dispute with the Credit Bureaus and Navient to have the information removed but they verified the late payments as accurate when they lost my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several times I contacted Experian, XXXX and Equifax formally disputing a debt listed on my credit report from Convergent Outsourcing Inc. Each XXXX listed above insist that XXXX XXXX  contacted them to verify said debt as valid and Convergent continues to report said debt. 

I 've requested validation, varifiable proof, contract and signature for said debt as I do not owe this company, never had a contract with them and do not owe who they claim to be the original creditor. 
Dates and tracking numbers for my letters below : XXXX/XXXX/XXXX XXXX disputed online- Equifax XXXX XXXX/XXXX/XXXX XXXX ( Experian XXXX XXXX/XXXX/XXXX XXXX ( Equifax XXXX XXXX/XXXX/XXXX XXXX ( transUnion XXXX XXXX/XXXX/XXXX ( online dispute- Equifax 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 explanation
Consumer complaint received 2016-09-02
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was contacted by an agency claiming to be called " Direct Recovery Services '' via phone and e-mail. I received a voicemail from this agency with threats of arrest and further legal action if I did not contact the agency prior to their deadline. The agency refuses to provide verification of debt via US Mail. 

I also received an e-mail from this agency with their website information ( www.directrecoveryservices.com ). They claim to be a XXXX accredited business. A cross-reference of the XXXX database proved this claim to be false, and I have filed the appropriate complaint with the XXXX. The agency previously operated in the state of New York, using a different website ( directrecovery.org ). Per the XXXX, under the New York address, the agency was issued a cease and desist order for misrepresenting themselves as a XXXX accredited business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
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:
I have filed a compliant about credit bureau equifax. When I did they dropped my credit score by more than 25 points and nothing has changed since last score received from them. The same accounts are on my report and nothing has changed for them. They updated accounts that have been according to last report been closed. I disputed info on my report that I did not authorize nor had any knowledge about. Now they have updated accounts that I had no knowledge of and refused to properly investigate items and accounts are closed. Can some one help me. Unauthorized inquiries from XXXX/XXXX, XXXX XXXX and XXXX XXXX. This is very sad that consumer reporting agency would instead of investigating inaccurate info they are further victimizing people. Can someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Open : XXXX XXXX Amount {$92.00} accordance with the Fair Credit Reporting act Account # 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 2016-09-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE TRIED TO APPLY FOR A LOAN MODIFICATION SEVERAL TIMES WITH OCWEN, I NOW HAVE A SALE DAT OF XXXX/XXXX/2016 WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE TURNED IN ALL MY REQUESTED DOCUMENTS MORE THAN ONCE, THEY SOMETIMES SAY THEY DIDNT RECEIVE THEM SO I AM FORCED TO RESEND THEM AGAIN. AFTER TURNING IN ALL MY DOCUMENTS I STILL DO NOT RECEIVE ANY HELP AND WHEN I TRY TO SPEAK WITH MY CASE MANAGER THEY ARE NEVER AVAILABLE! PLEASE HELP ME SAVE MY HOME!

Company response to consumer: Closed with explanation