BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021, I purchased seat assignment from XXXX of XXXX dollars with my Bank of America premium rewards credit card. According to their reward program, there is an annual airline incidental statement credit of XXXX dollars, for which my purchase qualifies. The credit was supposed to be automatically applied in the next billing cycle, but it wasnt. I have contacted the bank over the phone, and they told me that it should be a qualifying purchase. However, after another couple rounds of phone calls checking for updates, a few weeks later, they told me it was not a qualifying purchase for the credit. I was told that some code was off and XXXX didnt not put in the purchase as seat upgrades. I had no idea nor did I have ways to find out that some underlying code that the airline and the bank used was off. It should never be the customers responsibility to figure out if all transaction codes are correctly, nor was I able to find out before I could make the purchase. I said I could provide them with itemized receipt to prove the purchase was actually for seat assignment but they still refused to apply the credit. I have been a long time royal customer at the bank and this is unacceptable

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 2015-08-11
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Home # 1. aka residence & lt ; & gt ; for almost two yrs,. Ocwen Loan Servicing had me filling out numerous loan modifications XXXX 6 ), denied every time!! After the two week waiting period, receive call, telling me, denied!! the following week, I would receive a complete loan package of XXXX pages, filled it out, sent it back via. XXXX wait the two weeks, DENEID!!! Again, the same thing, another loan Mod. package arrive at my residence. only to be denied!! & gt ; & gt ; & gt ; leaving the interest rate XXXX firmly at XXXX XXXX to date! 
Home # 2. aka investment property, I call it, retirement property!! 
Same as above, but former Servicer Stopped excepting my payment in forcing me to fill out Loam mod. only to be denied numerous times!! after it was becoming a joke, so many deniles, I asked them, what now!! Reluctant to answer me, so I asked, are you foreclosing on me? I was told, quote, your house IS in foreclosure!! I remember telling them in a letter, if you foreclose, I will receive XXXX from the I.R.S. a bill in the amount of {$50.00} K or so!! & lt ; & gt ; I did & lt ; & gt ;!!! I currently owe the GOV. {$50000.00} in XXXX gains tax!! 
Luck for me I had a buyer waiting over one year to buy my property of 22 years ownership! 
*note When I agreed to sell, I emailed Ocwen Loan Servicing XXXX what my intentions were ... 
receiving the payoff in less than one week, and I told Ocwen I have a cash buyer, please assist my buyer 's attorney in the payoff. In essence, Ocwen ignored their attorney for three weeks!!! Almost jeoppadising my sale!! & lt ; & gt ; If the buyer found out the property was in foreclosure, I would have been eliminated from the sale!!! A foreclosure to my credit, plus XXXX loosing everything ], including the XXXX XXXX dollars left over after sale Ocwen receiving their share in full!! Sale price XXXX payoff XXXX plusOcwen ruined my credit with my residence, reporting me XXXX months late while making additional payments of XXXX on top of my regular for ten months, applying the additional funds to LATE FEES AND INSPECTION FEES & lt ; & gt ; FIRST!!!!!!!!!!!!!!!!!! 
LATER ;, OCWEN WOULD CORRECT THIS MATTER!!! MY CREDIT RUINED FOR MORE MONTHS, PREVENTING ME TO REFINANCE FREEZING MY INTEREST RATE@6.875 % & gt ; OCWEN & lt ;, DOING BUSINESS UNFAIRLY IN ACCOMEDATING THEIR INVESTERS, FLIRTING WITH THE LAWS OF THE UNITED STATES OF AMERICA. 
AND WEAKENING THOUSANDS OF COMSUMERS, PLACING THEM IN HARMS WAY! 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to this Creditor ( Bridgecrest ) and ask that they prove the supposed debt they sent to be on my credit file. They have not validated this " debt '' and they have inconsistent information on the file as well. 
Because of the non-existent validation and the Inconsistent information I According to the FCRA and the FDCPA, it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: UNITED BANKSHARES, INC.
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I originally opened a CD account with XXXX XXXX  which was taken over by united bank. Well every year sometimes twice a year united says i will be penalized for inactivity, now they say if this continues my account will revert to state of virginia. 
I am a XXXX year old in fixed income i count in those two XXXX $ CDs to help me survive, XXXX willing. 
Funny thing is everytime i talk to someone over the years, i originally purchased CD in i believe XXXX  or XXXX. Everytime the bank person assures me the info is used to prevent this hassle in future, now they threaten to give my money to state of VA. At this point un time, i feel they are either so incompetent or are really deliberately harassing me. I just want to close my account there, rather than be harassed ir lose my hard earned dollars.i want to take my money out without penalty, their misuse of my information is enough penalty. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Equifax in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Equifax , I certified that XXXX had not responded to me within the required 30 days. Equifax then used the same false reporting from XXXX to " verify '' the false information. Equifax failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Equifax on the matter, the Equifax staff member confirmed that Equifax is using an " update '' from XXXX as verification. Per the Equifax phone staff member : the " update '' from XXXX does not contain any documentary evidence that Equifax has or can provide to me, but they are using that rather than my submission of documented evidence to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
contacted XXXX and let them know that the debt was not mine. It belongs to my ex-wife, and accured while I was XXXX in the Department of Corrections from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I recieve Louisiana unemployment starting XX/XX/XXXX. It is now XX/XX/XXXX and I still have not yet been able to recieve a ReliaCard. I have updated my account through la unemployment And have called over 100 times to fix the address problem. I have funds available on a card I never got and still havent got.

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 2015-04-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Someone tried to open at XXXX XXXX XXXX, on XXXX/XXXX/XX/XX/2015, the next day XXXX sent me notice that on inquiry was made at equifax. I contact the following XXXX, XXXX XXXX XXXX and was told to file a dispute with equifax. I did so on XXXX/XXXX/XX/XX/2015, they replied on XXXX/XXXXXX/XX/2015. Stateing that " & gt ; & gt ; & gt ; We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factualrecord of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questionsabout this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX ''. As stated before I have already contacted them and was told to contact them. 
I want the unauthorized request removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my XXXX  report received today. The fraudulent entry appears on my Equifax report with varying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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:
Hello, I would like to report about Identity theft. The point is that someone decided to use my personal info and as a result I got filed items that I do not know and recognize. Could you please explain to me how that possible? and could you please remove them asap? The report is attached

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 2021-08-12
Company: EQUIFAX, INC.
State: PA
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 been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a legal item under public records on my equifax report and it says " satisfied judgement '' I have absolutely no knowledge of this judgement and i have never paid anything to even make it qualify as satisfied. I reported this judgement as inaccurate and equifax did absolutely nothing about it and its bringing my score down completely. I was never informed of this judgement not have I ever paid it. That public record file needs to be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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-120 days late ( account is paid in full ) XXXX- showing up as a collections ( account is paid in full ) XXXX XXXX- XX/XX/2021, showing late 60-89 days as of XXXX XXXX XXXX- XX/XX/XXXX showing 60 days past due ( account is paid off in full ) XXXX XXXX XXXX showing that I have a balance of {$910.00}, but its incorrect, they took me to court right after I have my last XXXX XXXX XXXX. I reported to XXXX because every time it raining is was raining in my living which caused me to develop XXXX  in my XXXX. My daughter said the doctors was concerned about that whenever I seen it on my X-ray before I had my open XXXX. I manager also was harassing me and my family, she lied to section 8 which caused me to lose my voucher. I lived at that apartment for six years and expected more from this company and I wouldn't recommend anyone to live there. 
XXXX Billing- {$670.00} as the balance this account was supposed to be removed because of the hyppa law. I had XXXX and XXXX at the time but they claimed that there was a wrong code put down so they couldn't bill my insurance. My daughter had to call XXXX because my XXXX XXXX was super low and I kept losing conscious. I was put in ICU because two XXXX XXXX my XXXX and I also had XXXX  XXXX  as well.

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 2020-01-19
Company: Rocky Mountain Recovery Group
State: WY
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:
Rocky Mountain Recovery contacted me in order to collect on medical debt. They told me that if I agreed to make payments, that they would keep it off my credit report. Instead they opened a collection account on me on XX/XX/2019. They continue to take monthly payments from my credit card.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-12
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have disputed the debt shown by them on my credit report. After asking for a method of verification in which they have not responded to the bureaus request they have contacted current and previous landlords. They have also sent a letter requesting information on me from an attorney 's office as they have not verified the debts as accurate and mine. 

The letter also shows my name as inaccurate as my name and only name is XXXX XXXX XXXX. 

It is the law that this company reports this information accurately on my credit profile. In this instance this information has NOT BEEN VERIFIED, nor is it being ACCURATELY REPORTED. 

Midland Funding has not been able to verify this alleged debt, the attorneys office does not state who they are working on behalf of, and Midland company is reporting this information on my credit profile without proper verification. 

This is a VIOLATION and I expect this erroneous information to be DELETED from my Credit profile with your company. 

Please see the letter I received from the attorneys office and the letter that I sent for verification of the debt. 

Please send an updated copy of my credit report after you have made the appropriate changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am attaching a letter that I sent to Equifax on XXXX XXXX. Over 3 months have passed, and I have not gotten a response from them. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: AR
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Van Ru Credit Corporation
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Van ru will constantly call you constantly send mail and constantly lie Department of education does n't care, and will still deal with the XXXX scammed XXXX Whatever you have to do to not deal with student loans, do it because all of it is XXXX. 
They all scam you together, nobody is on your side.

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 2021-08-13
Company: ERC
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: Old information reappears or never goes away

Complaint:
I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX XXXXXXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX  : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX ( They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) Enhanced Recovery CO XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.

Company response to consumer: Closed with explanation