BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a call from XXXX XXXX from XXXX XXXX XXXX who said he was calling on behalf of HSBC who I dont even know. He didnt know what the balance or debit was for and couldnt tell except that he needed to get a payment of no less that {$600.00} somewhat dollars on the phone. After explaining to him repeatedly I didnt know what the debit was and I didnt have the money to pay and that I was with XXXX XXXX XXXX he said NO something needs to be done now even after I offered to pay {$100.00} as good faith payment he said we will go forward with further collection attempts and it may be legal and it doesnt matter that I am trying to resolve this debit because it wont stop them from moving forward legally. 

At the end of the phone call a woman that I havent spoken to in over a decade calls me saying that XXXX XXXX XXXX was calling her regarding me and giving out my personal information, my social security number NO LESS etc to a woman I have not been in contact with for over a decade!!! Unbelievable!!! And they attempted to contact my employer!! 

I understand there are people that make debit and choose to ignore it but for us people who try hard to do right but illness, XXXX XXXX, treatments take over WE CAN NOT HELP IT! 

I will not be harassed or be humiliated by these people spreading my personal business around. Inappropriate and ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Reverse Mortgage Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In 2016 in XXXX I found that due to circumstances beyond my control that I would be unable to pay the county taxes. Being in a Reverse Mortgage situation, I knew that this was part of the contract and before it became critical I called Reverse Mortgage Solutions ( RMS ) to get advice. While on the phone I was told no problem that they would pay the remainder of my taxes that week. For me this was a big relief since I knew that I was going to be on a long road with the medical issues I was/am still having. <P/>The taxes were not paid until the end ofXX/XX/XXXX of XXXX. The next thing I know I am put on notice that I must pay back the borrowed money or I could lose my home. <P/>I went through a legal aide at a local University. Thanks to two other resources they paid RMS back. <P/>My complaint is this RMS never would put you through to a supervisor and the communication was difficult. Every person you spoke with gave a slight difference in what was going on with my case. <P/>When RMS paid the taxes part of that money was from the last draw I had. They are now charging me an interest fee and administrative fees. <P/>My financial counselor tried talking to a person on the phone and got nowhere and then asked for a supervisor to call and to date no response. <P/>RMS through this whole process has been difficult to work with. Some examples telling us to talk to a certain person and that person never materializes. Sending back checks that were to pay them for they had to come in on the same day. Miscommunication on verbal and written statements, such as you have a draw you do not have a draw and my signature does not match. <P/>I would appreciate you looking into this matter so I can get closure. I will be enclosing the last statement and the one that shows I had a draw. <P/>I am going to be in a very difficult situation come XXXX and the taxes for I am going back in the hospital and do not know what to do as far as my RM. <P/>RMS charged fees in the amount of {$790.00} for inspections and appraisal that will need to be paid eventually. They are telling me they had no choice due to HUD regulations but to move quickly on the inspection and appraisal once they paid my taxes. However, they never communicated clearly that by paying my taxes my loan would go into default. I never would have asked them to pay the taxes if I knew this would happen. I do not feel I should have to pay these fees. <P/>Additionally, I now have a negative " Net Principal Limit '' which they can not clearly define what this means for me and I would like clarity around this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
FIA Card Services contacted me on behalf of Bank of America XXXX. This is related to another complaint with Bank of America for an unexplained XXXX charge on my card. ( XXXX/XXXX/2015 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Experian under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the 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 2022-02-22
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not informed of the debt that is shown on my credit report

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 2022-06-19
Company: EQUIFAX, INC.
State: PA
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:
Acct. name - XXXXXXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2016, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wrote everything up and saved it as a PDF - please see the attached file : 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 2020-01-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.

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 2020-01-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: IL
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:
Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 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 2017-12-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has not corrected an issue allowing me to log into my XXXX XXXX account that was created as a result of the data breach. I signed up for an account but every time I try to log in I get an error issue. Equifax said they would fix the technical issue but it has been over 3 weeks with no resolution. Also I disputed items on my credit report and received a confirmation # to check the results of my dispute. When I go to log in I receive an error message. Equifax is preventing me from seeing my dispute results and seeing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: CA
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:
Credit card account was entirely paid off in full & before due & shouldve been nothing but in good current standing. Instead account was still later charged off & placed negatively as a fully unpaid collection on all credit files. Since then, been disputing this w/creditor & all 3 burueas all of which only " investigate & verify '' & refuse to remove this boldly false & wrongful " account/info ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo Auto Loan services has incorrectly reported a late payment for XXXX of 2021. My vehicle and its loan was sold to the XXXX dealership as a trade in for another vehicle at the end of XXXX. The dealership paid off the loan balance in full then in XXXX I received a overpayment refund check from Wells Fargo. The report statement is inaccurate. I have visited a branch manager who confirmed that the report is inaccurate, as well as submitted 3 disputes through both XXXX and Wells Fargo 's internal dispute center each time with more information, yet the decision has remained the same. This needs to be removed as it is illegal to report inaccurate information on my credit report.

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 2017-05-31
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Modification involvin g Ocwen and HAMP ; Submitted HAMP ap plication for Streamline Modification to  Ocwen Financial.  This initial package included at least one component of the Initial Package was faxed on  XXXX . Our Attorney submitted a request per the guideline in the Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages, Version  5.0  As if  XX/XX/XXXX  XXXX    XXXX   XXXX   XXXX  , Pg  71,   Borrowers in Bankruptcy.   Borrowers in active Chapter  XXXX  or Chapter  XXXX  bankruptcy cases are eligible for  HAMP  at the servicers discretion in accordance with investor guidelines, but servicers are not required to solicit these borrowers proactively for HAMP. Notwithstanding the foregoing, such borrowers must be considered for  HAMP  if the borrower, borrowers counsel or bankruptcy trustee submits a request to the Servicer.   In   XXXX   and because of the Chapter  XXXX  we were denied access to any workout with Ocwen. They refused to talk to me or transfer my calls, I was never instructed to submit a Attorne y Consent Letter  and was not advised that they did not have  one  on file.    Ocwen  has not given us clear information about the application other than it is in underwriting. We have been calling and contacting by email but  Ocwen  but there has not been cooperation in the past. Their attorney for   XXXX   XXXX   is involved in the process and insisted we give us Bankruptcy protections in order to have application for Modification processed.   Ocwen has improperly calculated our loan balances, we do not know if there are any misapplied borrower payments because we still have not received a statement. We do not know if the account balance is accurate amounts owed and information regarding how payments were received and applied.   We were not offered any   XXXX   Mortgage settlement offer for workout or modification. We did not and still have not received any statements. We wanted a modification in   XXXX  .   They left our loan sit our there so with no workout options and now threaten Foreclosure when we are nearly done with a 5 year Chapter  XXXX  plan. They are asking the Chapter  XXXX  case be dismissed.    Escrow  Account Mismanagement. The CFPB alleges that Ocwen mismanaged the our escrow account. They failed to correctly process escrow and insurance payments. We paid direct to the Insurance and they are still billing us in the escrow total. Escrow statement notates " FHA '' our loan is not an FHA.   We do not know what the Trustee payments were applied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: FIRSTBANK
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/XXXX I noticed a debt on my credit report from First Bank XXXX. I proceeded to call First Bank and they informed me it was for a checking account that I had a year ago? I never opened a Checking account with First Bank a year ago, my credit report states it was opened in XXXX. I then asked why I owed so much and they informed me it was due to fees and interest. I informed them i never agreed to these fees and interest, or never signed anything agreeing to those costs. I then asked them if we could settle the loan and they informed me they do n't settle anything outside of 60 days of the debt being charged off. I feel I 'm being treated unfair and discriminated against. The reps I spoke to informed me that they reached out to me 60 days after and were n't successful in getting me to pay. I never received XXXX letter or call in regards to this debt. I 've also taken note that there 's public record proving First Bank has settled other debts with other consumers pass the 60 day mark and they informed me they never have and never will. They sell of debt that goes to third party vendors who do it all the time. The branch i discussed this with refused to acknowledge this and refused to provide me proofs where I signed, and acknowledged the fees that came with this Checking account. These type of practices should n't, and cant take place with. I feel because I 'm XXXX they 're treating me as if i 'm note educated and have no clue what I 'm talking about. I again would like them to produce documentation that I singed, and agreed to these fees that came with the checking account along with proof that they 've never, ever, accepted a Settlement on any post charge off accounts that exceeded 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have already submitted a XXXX verification request from Experian for some reason they will not remove account that has Been removed from other credit bureau such as XXXX and XXXX XXXX but for some reason Experian has not updated there and as far as a XXXX account On my credit report I submitted documents from XXXX as well as myself proving that the account is inaccurate and they still have not modified my report

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 2022-06-19
Company: Experian Information Solutions Inc.
State: VA
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 Act XXXX XXXX XXXX Acct # 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 an 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 explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2018 I had my " XXXX XXXX '' supposedly " frozen '' and received my confirmation letter with my PIN in case I needed to unfreeze it. 

I subsequently disputed some information on my XXXX XXXX and Experian credit that keeps reporting incorrectly. Afterwards, I received a letter from both XXXX XXXX and Experian that they " validated '' their information from " XXXX XXXX ''. By law the credit bureaus are supposed to go to the original provider and if that is " XXXX XXXX '' they can not keep reporting since it has been in a " security freeze '' I recently inquired again with XXXX XXXX about errors and they stated " there is not a " security freeze '' on your XXXX. I have proof to the contrary based on Consumer Number XXXX and Case Number XXXX ( see attachment from XXXX XXXX ). 

I would like XXXX to " quit '' reporting erroneous information to my credit reporting agencies and and to quit " falsely '' stating I did not request a " security freeze. " >

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 2022-06-19
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:
The following inquiries were not made by me, please deleted them from my credit report : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. To prevent this from happening I have requested the companies to only allow applications in person, placed a fraud alert on all 3 of my credit reports and I have frozen all 3 credit 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 2018-09-17
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, My auto loan is currently past due. Have attempted to pay the outstanding balance, but each time my debit card has declined. In talking with my bank, will receive a new debit card, but since not a traditional bank ( XXXX XXXX ) have to wait. Contacted Bridgecrest on Saturday, because received an email on Friday that my payment didn't go through. Attempted with a rep named XXXX to make payment with my debit card and again it was declined. Explained the situation to her and she placed me on hold and said that the manager said " I was attempting to buy time ''. Why would I try to make good on my account if was trying to buy time? That comment was an insult. Furthermore, she wouldn't allow my co-signer who is a XXXX vet and only gets payment once a month to set up arrangements. I have had this loan since XX/XX/XXXX, the last payment on my account was on XX/XX/XXXX in the amount of XXXX. I want to be able to make a payment arrangement on my account to bring it current.

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