BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXXBANKRUPTCY/DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED 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 2016-07-12
Company: ECMC GROUP, INC.
State: GA
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 have sent many disputes to the Credit Agencies and to ECMC in regards to the XXXX accounts that they are inaccurately reporting on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that ECMC verified that these items are accurate. But it is ironic how ECMC will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from ECMC. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.

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 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed out of {$2600.00} and an additional {$790.00} on XX/XX/2021 by going on a fake ( XXXX ) website where I gave them permission to go into my phone with an app called ( XXXX XXXX ). 
Once they had access they saw what was in my account and credit card information. 
From there I was tricked into sending them the above amounts. The {$2600.00} was transferred from my bank america credit card to my checking account and the {$790.00} was my own money through XXXX. Once I realized what had happened I immediately called bank within 10 minutes to stop payment and was told they would try? I was instructed to file a police report which I did and was ultimately denied a refund by Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was a victim of identity theft and now I have pay day loan inquiries on my report under my old name XXXX XXXX, the person even tried to carry me on income taxes. I 've tried to dispute them but the credit reporting company is telling me to contact the company. The companies wo n't remove them saying that it 's my information, even though I have documentation from the IRS, say I have identity theft on record

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 2017-10-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I get calls daily from XXXX about my student loans. I tell them over and over. Im not working. I ask for holds until i get on my feet amd they wont help. Instead they keep reporting negative to my credit and its hurting me badly. How can I get a good job in my degree field if they wont allow a forbearance ( unlesd I pay money I dont have ) but keep hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I requests my creditor to remove 30 days late on my credit report because I had medical issues and I was struggle at the time with payments. I understand is was my responsibility but for long time I was a very good customer with a perfect credit. I have documents that sustain my medical history. however there response was that they can not make changes and I believe they have the power to do so please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: NAVY FEDERAL CREDIT UNION
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:
I am a federally protected consumer as defined under the FCRA. Navy Federal, XXXX, XXXX, and XXXX are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC XXXX XXXX XXXX further proves the above entities are financial institutions and are to comply with the disclosure requirements under GLBA. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose NPI to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( e ). The GLBA further mandates that an unaffiliated third party recipient of NPI " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). 
AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. 
Lastly, I spoke to several reps at XXXX today who claim they do not have to comply with that law, and for me to contact navy to get the information removed. When I called NFCU they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. 

See the attached cease and desist to remove my information. Immediately upon receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I bought a new home in LA and Loancare was my original mortgage servicer in XX/XX/2019. After making one monthly payment in XX/XX/2019, I received a letter stating that Loancare was transferring my mortgage to XXXX XXXX, so I started paying XXXX XXXX from XX/XX/2019 onwards. However, I missed the part where the loan transfer date was XXXX, not XXXX. I immediately paid Loancare for the XXXX payment when I realized my mistake and showed them proof that I had paid XXXX XXXX by mistake. Loancare refused my request to remove the " late payment '' mark on my credit reports even though I paid XXXX XXXX on-time for the XXXX payment ( by mistake ). This was an honest mistake but I am unable to convince Loancare that I made the payment to the wrong servicer. They just assumed that I was negligent with the late payment, which is not true. They were only my mortgage servicer for 2 months, yet their insistence on leaving the " late payment '' record on my credit reports is causing a huge impact on my credit scores. Please help me reason with Loancare that this was an innocent mistake and they should consider removing the " late payment '' record. Thank you.

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 2016-07-23
Company: Diversified Consultants, Inc.
State: MI
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:
A registered letter was sent to XXXX XXXX XXXX regarding a collection with XXXX services requesting that this collection agency validate that I owe this debt. The validation request letter was done around XX/XX/2016 requesting documents showing my signature on this XXXX account that they are trying to collect. 

Received a response from XXXX XXXX XXXX that the account was closed and I do not owe this debt.On XX/XX/2016 Diversified Consultants, Inc. reopened this collection right after it was closed from XXXX XXXX XXXX on XXXX/XXXX/2016 restating that this collection with XXXX was reopened ( Opened ) requesting payment of this balance of {$390.00}, of which the balance has increased from the original balance of {$380.00}. Being that XXXX XXXX XXXX could not validate this debt, of which I do not owe nor does this bill belong to me, this new collection agency has reopened this collection immediately after the closing from XXXX XXXX XXXX. 

First of all, I do not own this debt, second, it is not my account and third, this reopening of this collection has directly affected my ability to purchase a home. It has placed a negative image of my credit worthiness on all XXXX credit reports and has stopped me from purchasing a home which had a direct decrease of my credit score. I had been pre-approved for a mortgage in XX/XX/XXXX and now it has been denied due to my credit score, which resulted from Diversified Consultants, Inc. reopening this collection of which again I state that I do not owe nor do I own this collection. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Webcollex, LLC
State: AZ
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 have been receiving calls from XXXX repeatedly at my employer and on my cell phone. 

This person does not identify themselves, they simply say that they are trying to collect a debt. I have asked them repeatedly to stop calling and they continue. 

They have not said who they are, who they are collecting for and what company they are calling from. 

I googled the phone number and see many complaints about the same experiences I am having. 

I have no outstanding debt in collection and believe they are phishing for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MI
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:
Bankruptcy on credit report is pass the statue of limitation by law its been XXXX years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Diversified Consultants, Inc.
State: OH
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:
I spoke to XXXX XXXX with Diversified Consultants on XX/XX/XXXX. I contacted the company concerning a payment for an account with XXXX XXXX XXXX and he informed me that I have an account with XXXX XXXX for {$250.00} as well. I asked when the XXXX XXXX account was placed with them and he stated it was placed with them on XX/XX/XXXX which I found disturbing because when I communicated with Diversified on XX/XX/XXXX and spoke with XXXX concerning the XXXX XXXX account I was not told that I had an account with XXXX XXXX as well and they never sent a notice to my address in which they had on file at the time. I knew immediately that the XXXX account was one that I disputed with XXXX XXXX on XX/XX/XXXX. I asked XXXX to contact the original creditor for a breakdown of what the {$250.00} consisted of and the only thing they would provide to me was a copy of the last bill that XXXX XXXX sent to me which did not break down what I was being charged for. XXXX XXXX came to the conclusion that they could not provide me what I asked for so they canceled the account and I was under the impression that this was resolved. Please see attachments for my communications with XXXX XXXX. After I attempted to explain the situation to XXXX and informed him that I was disputing the debt he interrupted me and attempted to offer a settlement of {$110.00} that I explained to him I do n't owe. So I reached out to the Original creditor on XX/XX/XXXX ( XXXX XXXX ) and spoke with XXXX ( who stated she was located in a call center in the XXXX area ) at XXXX. I explained the situation to her and she came to the conclusion that I in fact DO NOT OWE XXXX XXXX. XXXX explained to me that she adjusted the account to a {$0.00} balance as of XX/XX/XXXX. My complaint is that Diversified Consultants is not trying to help me get this cleared, they only want to collect money that I do not owe. They need to contact their client and get this issued cleared. If my credit report is affected by this I will be taking this further than the CFPB. I already know Diversified Consultants is going to try and send me a copy of the last bill as proof that I owe so I 'm going to save them some time. I have attached a copy of XXXX 's validation ( which does n't provide proof of what the charge is for ) and communications with XXXX explaining to them and the CFPB XX/XX/XXXX what happened with XXXX XXXX. I suggest Diversified consultants speak with their client to confirm this debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
While reviewing my XXXX & XXXX credit report, I discovered that CAPITALONE has fraudulently and/or inadvertently initiated and reported a collection action to all the credit reporting agencies. I personally contacted CAPITALONE " DISPUTED THE DEBT '' and advised them that this debt was as a direct result of " LOST/STOLEN ID THEFT '', therefore, that I am not responsible for the DEBT. To this extent, I requested CAPITALONE to validate this DEBT and/or perfect security interest by providing me with a " CERTIFIED BILATERAL CONTRACT '' and alleged unpaid invoices under FDCA. To this date, CAPITALONE has failed to " VALIDATE THE DEBT and/or Perfect any Security Interest '' as required under the law. 
Furthermore, I advised CAPITALONE that fail to '' VALIDATE and /or PERFECT SECURITY INTEREST OF THE DEBT '' as required under the law within 30 days, that they must and are required to cease and desist attempt to collect on an unlawful debt. 
However, CAPITALONE disregarded my request and continued attempt to collect on an unlawful debt without just cause and/or for any legitimate reason in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS. 
CAPITALONE intentionally and purposefully with malice continued total disregard to the law constitutes gross negligence, causing and depriving me access to adequate housing, the ability to secure a meaningful employment and/or obtain new credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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:
Equifax has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. I have attached Exhibits that prove i was denied because of the negative information Equifax has furnished on my Consumer Report without Written permission from Me the federally Protected Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/XXXX, I had a billing dispute with XXXX so I decided to change carriers, ( XXXX XXXX XXXX ). I communicated via email with a manager of some kind who appeared sympathetic. Nonetheless, my account went into collections. The collection agency that handled my account collected about {$330.00} from me. From this point on, I thought the debt was satisfied. 2 years later, XXXX or the collection agency " Diversified Consultants '' is still listed on my credit report as a collection item. I called the collection agency and was informed by a representative that most items take 45 days to be removed from a credit report. This obviously did n't happen. I requested proof of payment from the collector and they agreed to send documentation. I called XXXX 's Finance department who informed me that I still owed {$230.00}. So, for 2 years I was responsible for a debt I never knew existed. XXXX said contact the debt collector. The debt collector said the account was paid and closed. So, for the sake of peace I paid this unknown, due balance on XXXX/XXXX/XXXX and asked for physical proof of payment. The representative said that they only provided confirmation numbers. Considering the discrepancy in information received and the negative impact this has had on my credit report, I need physical documentation that both confirms the debt was satisfied and that the item has been removed from my credit report. Had I not did my due diligence, this " ghost debt '' would 've remained.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Chase Freedom Reward Credit Card / Amazon.com Reward ( provided by JPMorgan Chase & Co. ) Chase decided to close my credit card accounts. At the time of the account closure, I had more than {$200.00} in rewards balances. Chase did not refund to me, nor apply the rewards balance to the balance on the credit cards. Chase " forefeited '' the value of the rewards account. I now owe Chase ~ {$270.00} for the balances on the account. Chase is unwilling to apply any rewards value to that balance. 

I imagine there are a significant number of potential class members who have had their Reward balance " forfieted '' when their account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a XXXX XXXX XXXX XXXX credit card account showing a open balance. This account was paid in full in XXXX 2014 and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I have subscribe to Experian 's CreditCheck Monitoring service for years. Included in this product, I get monthly access to my credit score ( all XXXX credit scores ). This whole time, I believed my credit score to be in the mid to upper XXXX. However, when I recently applied for a credit card, I received a copy of my score from the bank. It was much lower than what is reported by the Experian CreditCheck Monitoring program. I believe Experian 's service is misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation