BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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: 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Grow Credit Inc
State: PA
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:
Grow Credit INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: NRA Group, LLC
State: FL
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 received XXXX a letter and repeated phone calls from NRA Group , LLC. I gave them a courtesy call after the letter to explain they have the wrong person. They indicated they would take me off the list. Since I have received at least XXXX additional calls. I consider this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX Loan Modification was cancelled because Bank of America incompetence since they never applied our first trial payment made over the phone with the case manager on XXXX/XXXX/XXXX which was due on XXXX/XXXX/XXXX as recommended by him and got a confirmation number. The following month I notified XXXX XXXX " case manager '' and emailed him my running balance and which clearly showed the funds were available to cover the payment, the case manager for BofA admitted to the error and assured me that they would correct the error immediately and to continue to pay which I did for an additional 7 month because the case manager continued to assure me that it would be corrected but after all that time I realized he was just trying to get as many payments from me as possible knowing that my loan mod would not be reinstated. There are many articles on Bofa stating the fact of incentives to employees to not approve these modifications. XXXX XXXX XXXX XXXXXXXXXXXX It is my understanding under the new RESPA rules that came into effect on XXXX XXXX they are required as the new servicer to obtain all loan information from the old servicer. 
Confirmation numbers payments from BofA were : Payments made to BofA : {$2300.00} First set of numbers below indicate the date paid " original lender was Countrywide '' XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX Attached : XXXX XXXX Loan Modification Approval from BofA XXXX XXXX Loan Modification cancellation from BofA for non payment Letter to BofA about payment not being processed after making a total of XXXX payments Email to case manager inquiring about issue Letter from Bank stating we had the funds the XXXX the payment was to be processed Running balance on checking account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: GA
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 inquiries are fraudulent and I did not authorize them. Please have them removed asap. 

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 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 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

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 2022-10-30
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wrote a letter asking them to validate the debt signature page dates of service and cost of rendered services they did not validate the debt have not heard back from credit control corp I did not give no one permission to expose my medical information there for they violated my rights under the hippa la s

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
On Monday XXXX XXXX, 2016, I contacted Navient about paying off a subsidized student loan of approximately {$2000.00}. I chose to pay over the phone as I know there is an exact pay-off amount that is usually a few dollars different from what the borrower sees in the online account. I was quoted a payoff amount of {$1100.00} and the agent took the information needed to pay this full amount. She let me know it would take a few days to reflect the {$0.00} balance in the online account and congratulated me on my payoff. 

In XXXX I logged into the account and noticed a {$33.00} balance on this same loan. When I contacted Navient, they explained that I did not, in fact, pay off the loan, and that a small remaining balance had been accruing interest since XXXX. They stated perhaps we were n't quoted the proper payoff amount, because our payment was only {$1100.00} and the payoff back then would 've been {$1100.00}. When you look at the account transaction history, it shows that we did, in fact, pay {$1100.00} on XXXX XXXX, but were then credited that money back and charged {$1100.00}, leaving an {$.00} balance to accrue interest. Why did this happen?? They could not explain, but the loan was n't paid in full so we now owed the {$33.00} interest accruement. We pressed, spoke to a supervisor, and were informed this would be submitted for evaluation and we would receive a letter in the mail. The letter came and we were denied - we owe the {$33.00}. 

I spoke with Navient again around mid-XX/XX/XXXX, and that representative told me that for such a small loan, she did n't understand why they would n't just close it out. She said she would submit it for evaluation and we would be contacted regarding this. I waited weeks and did not receive any contact. 

Navient contacted me Friday, XXXX/XXXX/2016, requesting payment - this loan is now past due. I inquired about the {$33.00}, that is now {$34.00}, as I had never received the promised communication about closing it out and was told they do not cancel loans unless they are under {$25.00}, but that I could speak to a supervisor. I was on a family vacation and had already discussed the background of this issue with the customer service agent for 20 minutes, and chose not to speak to a supervisor, as this is my 3rd time requesting action on this loan. 

I do not feel it is my responsibility to pay these bogus interest fees as I was charged the pay-off fee I was quoted, and the customer service agent changed my payment without my permission, resulting in a remaining balance. Whether complaining through the CFPB resolves this issue or not, I want others to know of their shady business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a roll to perm loan from XXXX XXXX XXXX. The construction period loan was closed on XX/XX/XXXX. Despite the construction being incomplete, XXXX XXXX XXXX   requested me to sign a loan modification known as a Roll to Perm. This loan closed on in XX/XX/XXXX. I objected to payments, which were to be made from the funds not yet disbursed from the construction loan. Nevertheless, I made payments on a time basis to XXXX XXXX XXXX   XXXX. In XX/XX/XXXX, XXXX failed and FDIC took over the banks assets. FDIC assigned the note, mortgage, etc. to XXXX XXXX. However, I have recently learned that XXXX claims to own the roll to perm loan dated XX/XX/XXXX. This makes me wonder who was receiving my monthly payments. XXXX XXXX subsequently transferred the loan to Ocwen, who then transferred the loan to XXXX, who then declared a default in the mortgage and filed a foreclosure against me. Most recently XXXX assigned the mortgage to XXXX XXXX as trustee of some trust. Long story short, no where did I receive notification of any assignment from XXXX XXXX XXXX to XXXX. Had I know XXXX was the holder or owner of my note, I would have requested the loan to be redone as I suffered major XXXX XXXX and am XXXX  ever since. Is it possible for the someone to confirm who is the holder or owner of my note.?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I loaded $ XXXX into my BBVA Compass Bank Clearspend Card and the card was forgotten at the XXXX location. 
My card was lost, and my money was fraudulently used. I immediately contacted Customer Service, and I have also provided a written Statement for Unauthorized Charges. 
I was told to wait 10 business days, before I will receive Provisional Credit on my Account, which I have n't received. 
Let me also point out that, the Cardholders Agreement states that " It may take up to 45-60 days to conduct its investigation on unauthorized transactions, but if by the 10th business days of receiving written Dispute Statement, and more time is needed, a Customer receives Provisional Credit, pending the determination of the Investigation ''. 
I am just imploring this highly respected Financial Service to honor its words, as stated in the Cardholders Agreement. 
Everytime I call to inquire about the investigation, its always a problem, as the representatives are rude, and have no update to provide. It makes me wonder why these Banks do things and we all keep quiet ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: ID
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: Problem with personal statement of dispute

Complaint:
we have been trying for a very long time to get thing removed from mine and my husbands credit reports. We got letters from the court house and put a freeze on our  XXXX  account  on   XXXX   XXXX  , 2017. I then sent a letter to Equifax asking them to verify bankruptcies on our accounts, and th en on  XXXX   XXXX  ,2017   we receiv ed a letter from Equifax saying that they have verified the information with  XXXX . I contacted  XXXX  and they said that no one has contacted them to verify any information in that time frame and where there is a freeze on the account that they would not have shared any information. I contacted Equifax on  XXXX   XXXX ,  2017 and  they said that they do n't use  XXXX  and I told them that on the letter they sent me that it says that they did. Then they tried to tell me that they got it from the court house and I told them that I have a letter from the court house and they do n't do that. The gentleman then said let me recheck, he got back on the line and said all that we could do was to file for a dispute. I have the whole conversation recorded on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the month of XXXX & XX/XX/2021, I sent letter to all three agency XXXX, XXXX and Equifax disputing accounts eastern account system for the amount of {$100.00} and XXXX acct # XXXX, XXXX XXXX {$29000.00}, XXXX XXXX {$230.00}. I stated that these accounts are inaccurate, not my accounts and I did not give permission for these accounts to be reported on my credit report. which this is a violation of the FCRA. XXXX removed all accounts listed above. this is unauthorized uses of credit report. How this information is this verified or accurate if its only one creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: AL
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 opened a dispute into reported account closure. Reporting agency states that account has been closed and isn't reporting credit card as active account. Credit card account is active and open as of XXXX. Account was never closed, after investigation of dispute experian is still reporting account as closed. Experian will not allow me to open another dispute into this matter.

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 2022-10-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to loss of income during the pandemic, I got behind on mortgage payments. Our servicer offered me a modification, and I have been making trial payments. For some reason, they refuse to let me make these payments online or through the phone system. Instead, my only option is to drive to the post office, purchase a money order, and mail the payments to a XXXX XXXX XXXX XXXX. Each monthly payment must be received by the end of the month. On XX/XX/2022, I purchased a money order for that month 's payment, and paid the post office {$8.00} to send it via XXXX XXXX, which would ensure that the servicer received the payment by XX/XX/XXXX. However, after I left the post office, something happened that was outside of my control. We live in the XXXX XXXX XXXX XXXX XXXX, and on XX/XX/2022, Hurricane Ian was in the XXXX XXXX XXXX and projected to move past us and make landfall in the XXXX. The post offices in all of XXXX XXXX made a unilateral decision to close their offices that night, and not reopen until after the hurricane passed. On that same evening, XXXX XXXX XXXX also made that same decision and shut down our airport. Neither reopened for three days, and my payment did not leave XXXX XXXX until they did. My servicer reported my payment, which it received on XX/XX/XXXX as " late '', and canceled my modification. There was absolutely nothing I could do to get that payment to XXXX  by XX/XX/XXXX, and I'm being unfairly punished for something that was out of my control. Had the servicer permitted me to make online or phone payments, the payment would have been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: DISCOVER BANK
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, My name is XXXX. Back in XXXX I called Discover Card and we agreed on a settlement. They sent me a letter confirming our agreement and that Discover will accept {$3000.00} as a settlement. As promised, I sent all money orders and I wrote on all money orders Endorsement of this check constitutes payment in full. You agree to delete account within 30 days from my credit report. 
They cashed all checks on XX/XX/2022 and never deleted the account and continued since then to report it on my credit report. This is a breach of contract rights. Also, Discover breached the agreement by still reporting to the credit bureaus that I still owe {$7100.00} while we agreed on the {$3000.00}. They sent me a letter that I owe XXXX  XXXX. How could I owe XXXX  XXXX on an account we agreed to pay XXXX  XXXX on and thats the settlement and agreement?!?! I will attach all proofs. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American Express continues to report a negative item on my credit report referencing debt discharged in bankruptcy yet they continue to report the item to XXXX XXXX  and XXXX. First and foremost I do not OWE American Express any sum of money and this account is not mine. I am attaching my SECOND Notice under Section 609 FCRA which requires a creditor to produce the time and date, authorization to pull or access a credit report in addition the FCRA requires American Express to provide copies of any and all copies or agreements between myself and American Express. As of the submission of this complaint, American Express has not removed the erroneous item from my credit report nor has American Express produced any of the required items under Section 609 FCRA, which makes American Express in violation of Section 609 FCRA. Furthermore, XXXX, XXXX  and XXXX are comp, I it in these violations due to the fact that despite being duly noticed under Section 609 FCRA they have equally failed to ( A ) require American Express to produce the required items under Section 609 FCRA ( B ) failed to remove and or delete the derogatory report issued by American Express based upon the failure of American Express to adhere to Section 609 FCRA. 

This makes ALL parties in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. The aforementioned violations constitute serious breaches of The Fair Credit Reporting Act. The violation of the Fair Credit Reporting Act requires the immediate removal of the derogatory information being supplied by American Express with regard to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Elevate Recoveries, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This company I never heard of never been to this place put a collections balance onto my account I called XXXX XXXX and did a dispute the company that put the collections on my account called me today on XX/XX/2021 and stated asked to confirm for my information I said no they hung up on me I then called back and said that I reported them to IRS they hung up on me again I know this company is a fraudulent company I need someone to contact me about this. The collection amount was {$630.00} and the date of that collections was not stated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021

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 2019-05-11
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 I received notification that a hard credit inquiry had occurred on XX/XX/2019. 

This inquiry was almost certainly related to a company credit card issued to me through my employer and, therefore, does not appear to be fraudulent. Despite this, a credit card company may not pull credit for persons who are only an authorized user, and not an obligor, on that account. 

A hard credit check was NOT authorized by me. I have verified this by looking at all paperwork, both signed and otherwise, related to this credit inquiry. Due to this fact, I attempted to dispute the above credit inquiry. 

The credit reporting agency ( Experian ) refused to recognize the inquiry as not warranted or authorized.

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