BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
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 Reporting Act XXXX account consumer reporting XXXX XXXX XXXX # XXXX. fed loan # XXXX, XXXX XXXX XXXX # XXXXBankruptcy chapter XXXX # XXXX Has violated my rights. 
15U.S.C.1681 Section 602 A. States I have rights 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 instruction.

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 2022-06-01
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:
I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, # XXXX, and # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to a third party people.

These are clear violations of my federally protected consumer rights.

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 2015-04-20
Company: Southwest Credit Systems, L.P.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I switched phone carriers in XXXX. In the process I called in and was given a final bill amount that included paying out my contract. I paid that amount. Several months later I received correspondence from southwest Credit saying I had a XXXX Bill in collections. At XXXX point on the phone Southwest Credit while trying to verify my address, had a transposed house number ( fyi ). I never received a paper or email bill from XXXX, and had paid a hefty amount to close out the account, and so I told them I would have to verify with XXXX if it was legitimate. I attemtpted to contact verizon via phone and also tried to log into my account on line. Since I moved my phone number, ( the log in for XXXX ) it made my online account inactive, and I could not verify via phone that it was a legitimate bill. I chose to terminate early with XXXX, and I knew it would cost me, for which I paid. If it is a legitimate verizon bill, I will pay the amount, but do n't think it is fair to be dinged on my credit, as they failed to send a paper bill or even an email saying I owed additional money. I have n't just paid the credit collection company because I have been unable to prove I even owe the bill, other then them telling me I do. They are now threatening legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NJ
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:
There are a few accounts on my credit report that I do not recognize

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 2022-06-01
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This was for a credit card with XXXX XXXX XXXX, the card was never received and after numerous calls to have the account closed and a refund issued they have not done so. Calls were made to the merchant on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - XXXX and XXXX. Application approval # : XXXX. 

Application fee for a credit card {$95.00}, and expedited shipping for {$35.00}. 

Call center employees indicated they would send my request to the back office and it would be rushed. 

Filed a dispute with my bank XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Sent dispute letters XX/XX/2022 about inaccurate information reporting on my credit and have not received a response from bureaus.

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 2022-09-29
Company: EQUIFAX, INC.
State: MA
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:
I sent certified letters ON XX/XX/2022 to all three credit bureaus to validate accounts which I had no knowledge of and they failed to provide this validation under 15 U.S.C. Sec.1681i ( a ). I then followed up with two more written letters to comply with the investigation which they failed to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: AZ
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:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any inquiries listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION : XXXX SELF-REPORTED Balance {$100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
While I have been able to talk directly to XXXX XXXX of Bank of America, she and her assistant ( XXXX XXXX ) have repeatedly ignored messages from me, since you closed my previous complaint. I was able to talk directly with XXXX XXXX on XXXX/XXXX/15, in which she made an appointment with me to call me after XXXX on XXXX/XXXX/15, an appointment which she did not keep. When that time period had passed, I called and left a voice mail for her. She did not return my call until this week, XXXX/XXXX/15 at XXXX, while I was indisposed. I promptly returned her call, informing her that she could call me back at any time and leave a voice mail if I was n't able to answer at that time. I have had several questions arise since my first contact with XXXX. I have repeatedly called and asked for a response from her. My questions to wit are : " Is Bank of America willing to work with me as an affiant or do I need to be an executor of XXXX XXXX 's estate? '' and " Did Bank of America pay the property taxes, as they have in the past, for 2015? '' The answer to both of these questions directly affects me and my future arrangements. My attorney also needs to know the answers before she can proceed. I did offer the option of a conference call between the XXXX of us. No response has been supplied, if indeed, this is an option. My understanding of past conference calls is that all parties are notified well in advance of the time, number to call and a check-in ID # for such calls, in order for them to be legal. An " ambush '' conference call is not allowed. Again, I need an immediate response to these questions. XXXX XXXX 's reply to you that she was unable to get information from the consumer is not a valid response, as the consumer, in this case, is my recently-deceased husband, a fact of which both Bank of America and XXXX XXXX are well aware. Thank you for any attention you can give this matter on my behalf.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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:
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 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 XXXX, 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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

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 2016-02-21
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently filed a complaint ( # XXXX ) with your company against Southwest Credit Systems , L.P., located at XXXX XXXX XXXX, XXXX . XXXX, XXXX, XXXX XXXX about a debt I do not owe. 

In response, " SWC state on XXXX XXXX, XXXX, XXXX contracted with SWC to collect the unpaid amount of {$490.00} on account XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. According to XXXX, the account became delinquent XXXX XXXX ''. 

I recently reviewed my credit report with XXXX dated XXXX XXXX, XXXX, and reflecting is a collection account in the amount of {$490.00} that was assigned on XXXX and reported to the CRA 's on XXXX by XXXX XXXX, located at XXXX XXXX XXXX XXXX, TX XXXX. 

This account was eventually removed from my credit report after informing them that I do not owe the alleged debt. 

Although, Southwest Credit Systems L.P. state on XXXX XXXX, XXXX, XXXX contracted with them to collect on the alleged debt. I believe they uttered untruth knowingly and they are XXXX XXXX, and was assigned the account before XXXX XXXX, XXXX removed it and put it back on my credit report under a different name.

Company response to consumer: Closed
Consumer complaint received 2015-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was finally modified on XX/XX/XXXX after a 2 years of struggling to get approved from XXXX XXXX XXXX and in great THANKS to your involvement. Our original mortgage was thrown into default by Bank of America force placing a XXXX flood insurance on our loan for no just cause, we called them to cancel it and got a run around every time until finally between adjustment rates and over due fees and additional unnecessary insurance we fell behind. Now conveniently enough SLS has given back the servicing rights to Bank of AMERICA and we just got a notice from Bank of America that our mortgage is going from {$2300.00} to {$3500.00} as of XX/XX/XXXX 
Our nightmare is going to start all over again unless you help us! My husband is on a fixed Social Security XXXX and we on a strict budget with all our expenses. XXXX XXXX Servicing paid XXXX Homeowners Insurances and I called Bank of America the XXXX time on XX/XX/XXXX and spoke to XXXX at XXXX extension XXXX, she explained to us that their system takes about 15 to 30 days to update and to keep calling every week to make sure they have the XXXX files already in their system, without they can not assist. As of yesterday XX/XX/XXXX they still do not have records showing the homeowners Insurance payment history updated and we are in a time crunch for XXXX 's mortgage payment to take effect. I understand we 60 days for changes to be fully in place with the transferring of servicers ' but this is all an unnecessary evil happening all over again. 
Attached are the Escrow Statements sent to us by XXXX XXXX Servicing, XXXX escrow statement is from XX/XX/XXXX and then the XXXX escrow statement is dated XX/XX/XXXX. On each individual statement you see a Homeowners Insurance Payment, I found this convenient for them so it looks like its only been paid to XXXX Insurance company and also found having XXXX Escrow statements within a 2 month timeframe a bit odd as well. Bank of America is XXXX again our servicer, we are very happy about that because we believe XXXX XXXX XXXX is a debt collector and knows nothing about servicing home mortgage loans. It 's a very scary world out there for these homeowners dealing with modifications and if you are not scanning all your correspondence you will once again be at risk of losing your home. 
We as and plead for your assistance, I ca n't lose my house because of bad record keeping on someone else 's part, a part that they are responsible to keep track of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: BB&T CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receiving repeated calls from the collector for a person that does not reside at my residence. We do not know the person. They have been told this numerous times now yet they keep calling, sometimes twice a day.

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 2017-06-24
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CFPB Complaint  XXXX  was recently closed after the collection agency agreed to delete the  XXXX  items but only deleted  XXXX  of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I use d Coinbase to  buy  XXXX   XXXX  for a total of {$430.00} on  XXXX   XXXX ,  2017 . I used their mobile application to monitor the health of the coin to see when the right time to sell was. On  XXXX   XXXX  I sold my  XXXX   XXXX  for {$680.00}. I have yet to receive the money into my account and have tried to reach out to the company via their support email to see when it will be delivered. They keep saying on their site how their running into issues and responses times are significantly delayed . Twelve days later or two business weeks later I still have yet to receive my money or an email from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Sent dispute letters XX/XX/2022 about inaccurate information reporting on my credit and have not received a response from bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Sent dispute letters XX/XX/2022 about inaccurate information reporting on my credit and have not received a response from bureaus.

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 2015-10-02
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I became aware of this debt when I checked my credit report for the first time in many years recently. I saw that Southwest Credit System has an amount of {$190.00} reported for XXXX, however this was the first time I saw this. I had not received prior notice of this debt, along with account information and what the debt is for. Since I had my identity stolen in XX/XX/XXXX, I wanted to make sure this is legitimate. 

I disputed it with XXXX on XX/XX/XXXX and also wrote a letter to Southwest Credit System requesting verification ( USPS notified me that my letter was received on XX/XX/XXXX- proof available ). XXXX has not notified me that the agency has responded, and I have not received a response to my letter. 

I understand that a collection agency does not have to respond to verification requests within a certain time frame, but in this case I was never notified of this debt or what it is for and need verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: IN
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 requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent more letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
At XXXX hours on XX/XX/XXXX CST I received a call from a XXXX with Bank of America inquiring about my account. Bank of America had already been served a CEASE AND DESIST letter on XX/XX/XXXX ordering them to not contact me further. 

Bank of America violated the FDCPA Section 1692c and FDCPA 15 USC 1692 c(c). XXXX at BOA continues to harrass me, and when I advised the Cease And Desist letter she claims no knowledge. I have on record they signed for it and received it. I also sent a copy to the FTC, CFPB, XXXX State Attorney General and the XXXX Attorney General.

I wish for Bank of America to cease all communication, and it would be in their best interest to drop the chargeoff collection as account is too old to collect upon. Charged off XX/XX/XXXX and WA STATUTE OF LIMITATIONS is 6 years. Bank of America, is a Day Late, and a Dollar Short in this matter! 

Bank of America continues to harrass me, and XXXX said 'We will sue you and have you arrested'. Vehicle was voluntarily surrendered in XX/XX/XXXX and i have not seen it since (as I have moved on). 

Bank of America is now in VIOLATION of the Cease and Desist and is eligible for a lawsuit at this time for violations of the FDCPA and FCRA laws protecting the consumer.

I have signature proof from Bank of America showing they signed for it.

Reference CFPB XXXX

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