BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
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: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-06-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: TENET HEALTHCARE CORPORATION
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX of nc at the time of the incident. They should have covered all remaining bills. I have paid XXXX bills from the same night. Now this pops up on my credit score a couple years later. I need it resolved. I have paid my part. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have asked my creditors to provide to me the written contract with my signature on it. They have ignored my request thus having me believe they do not have the contract. 
Therefore unless they remove all negative items and collections from my credit report and credit bureaus, I request all creditors be fined {$1000.00} and payable to me immediately by law.

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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX XXXX 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 with out 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 2016-04-26
Company: Bayside Capital Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This complaint is a follow up from my complaint submitted yesterday, ( XXXX ) please add the additional details, after leaving a message again for XXXX XXXX ( XXXX ) he called back leaving another message identifying himself as the general manager for a company called Bayside Capitol Services number he called from unrestricted XXXX, I have no idea who this company is or who they work for, they have misrepresented themselves as being XXXX XXXX XXXX to XXXX XXXX XXXX, verbal threats about coming to my place of employment and to make sure my supervisor is on hand to my home, this company has repeatedly harassed me by phone and now using my work phone, I believe this is the same company or group of people that reached out to my ex husband a few months back making statements that I would be arrested and go to jail and I needed to be found. I had someone call the number back yesterday, again this company does not identify themselves when answering the phone, only that they are with the filing department, all of them employed speak a good line and are intimidating, if you did n't know fair debt collection practices you would fall into the trap, Ive been guilty of this myself, this occurred to me XX/XX/XXXX see my previous comments, these people are nasty!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am being denied a current XX/XX/XXXX QWR response, which was sent certified and signed as received by an employee of Nationwide Advantage Mortgage Company. I want to see the after effects of my information, the XX/XX/XXXX QWR first request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: NV
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 XXXX  XXXX/ XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: LA
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:
I recently pulled my credit report and noticed that I had multiple name spelling and addresses on my account. Several open balances with student loan that Im not sure of the amounts or even if I took that many loans out I need all the accounts reviewed Im working with the dept of education to tell me exactly how many loans I do have. Then i have medical information on my account and i never gave them permission to share my hippa information. 
i will highlight my report and all the inaccurate name spelling and addresses and phone numbers there are several all will be highlighted and circled

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: National Credit Systems,Inc.
State: TX
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 lived at XXXX XXXX XXXX, Apartment XXXX, XXXX, TX XXXX from XXXX XXXX to XXXX XXXX. In XXXX of XXXX, I received an email from the apartment stating that I owed XXXX to them for damages to the apartment. This debt was paid in full by money order on XXXX, one day before their deadline of XXXX. I received an email from XXXX XXXX on XXXX confirming that the amount owed was paid in full and never heard another word from them again. 

In XXXX of XXXX, seven months after paying off the debt, the apartment reported to a collection agency that I still owed XXXX. I did not discover this until i had my credit pulled. Not once ever have I been called, mailed, emailed or even remotely contacted about this debt. All attempts to contact the apartment management have failed and they do not respond to calls or emails. 

The worst thing about all of this is that not XXXX person from the debt collection agency has contacted me regarding this so called collection, and it has become a massive burden on my credit report. The apartment refuses to speak to me unless I can provide a money order receipt, which I do not have as this was three years ago and I have lost it. I do have their emails, however, confirming the debt was paid! But even that will not satisfy them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: CASHCALL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I heard a radio ad for getting a 15 year mortgage loan for 2.5 % with NO costs from CASH CALL company here in California. I applied because I had a very high fico score and good income. I was told that I was accepted for a loan. I filled out all the documents and submitted all the documents as required. I was told that I was approved for a loan. Loan documents were submitted to me for signing in front of their notary and the process was completed. I waited to hear from the company and did not hear back. I finally requested to hear a reason and they said that when they did a " FINAL '' review that I had just missed the cutoff for qualifying for the loan. They offerred to do a loan at a higher rate. I told them no way. They said they had the right to not give me a loan based on the " final '' review. I explained that they had made some mistakes not in my favor and that I should have gotten the loan. I told them they wasted my time and that I missed the window to get a great rate because of them. They were the ones that had said I was approved and I deserved the loan as I did everythiung they asked and had CONCLUDED with an official signing of the loan docs which in my book meant the loan was done and completed. They disagreed. I have resented this situation since that time. I was told recently by a loan broker that once the loan was signed that as long as I did everything correctly which I did they had to give me the loan and that their refusal is actually illegal and that they must make good on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended XXXX College in XXXX, CA from XX/XX/XXXX-XX/XX/XXXX. I took out a loan through XXXX XXXX who then sold my loan to UAS University Accounting Service , LLC . I would like to know if my loan was included in the CFPD settelement that was granted to some loans with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: NV
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:
I submitted a complaint with CFPB about a collection account that I believe is violating my rights. XXXX XXXX has provided incorrect information to the credit bureaus. The information about the debt is innacurate and is hurting my credit. I would like for them to provide me with proof that this debt is accurate. In order to move forward with this I request an original bill or contract that states that this debt is mine. I believe that this account is not mine and I will look forward to resolving this issue. Also according to the Fair credit reporting act section 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. The following account has violated my consumer rights. 


Account : XXXX XXXX Account number : XXXX open balance : {$710.00} Date XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is against several institutions ... I had the bad Countrywide XXXX XXXX & HELOC home loans that were at the center of the financial crisis. I was wiped out in XX/XX/XXXX & fought to hold onto my home with countless refinancing attempts .The servicing was taken over by B of A. I was able to modify my XXXX mortgage but not my HELOC which went into foreclosure XX/XX/XXXX. I worked tirelessly to get a payment I could afford with no assistance and had to file Bankruptcy to stop the foreclosure. I ended up having to sell my home which closed escrow XXXX XXXX ... but the nightmare continued. B of A held the payoff funds ( over XXXX ) for 6 weeks for some reason, during that time they sold the loan to XXXX who kept trying to collect mortgage payments from me saying I was behind and they were going to begin foreclosure again, the funds went missing, B of A wired the funds to XXXX with the incorrect account #, XXXX sent it back to B of A, B of A sent it to the title company, who sent it back to B of A, who sent it back to XXXX who wanted more than the payoff amount. This went on for 2 months without anyone taking responsibility for it. It was an absolute disaster. I finally found a department at B of A who would complete the transaction. No one even apologized for the incompetence. I 'm sure my experience with these big banks in not unique but I felt powerless against this system. They held my life ransom for years and I want retribution. In XX/XX/XXXX I joined a XXXX lawsuit XXXX vs B of A which is still and active suit & paid over XXXX to a firm XXXX XXXX in California who has just been shut down as fraudulent and now all of the plaintiffs are without an attorney to protect us. It feels as if the consumer just continually left holding the bag ... We have no power or rights. It 's been devastating.

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 2022-10-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I kept trying to make a payment, and their system wasnt working, and denying me access to do my payment

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 2015-09-11
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have made several attempts to refinance, We would like to refinance and remove balloon payment. We have received a modification only short term. Looking to remove balloon. We have made several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Experian did not properly investigate and account is unknown to me please send info how account is verified XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account number XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX {$1200.00} Closed 14 charge-offs Account XXXX Account status Closed Date opened XX/XX/XXXX Account type Lease Balance on XX/XX/XXXX Loan Amount {$1200.00} {$1100.00} XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Sales Contract Balance on XX/XX/XXXX Loan Amount XXXX XXXX Closed 5 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Sales Contract

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 2015-11-06
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card
Issue: Billing disputes

Complaint:
I was speaking to a travel agent with American Express XXXX XXXX. She arranged an itinerary and booked the flight. She told me i could change the payment method but was just booking the flight. Within 24 hours i received an email that i was billed for the airfare. Before this i booked a hotel reservation online with Amex and it automatically billed my card without asking for payment method. I noticed that the hotel billed me for XXXX on my card which i did not authorize. I immediately cancelled the reservation and got a confirmation of cancellation yet the full room charges remained. I chatted with XXXX individuals through live chat plus XXXX more on the phone for a total of XXXX hours to try to resolve the unauthorized charge.Amex blew me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sent in notices about inaccuracy of my credit file in XXXX and XXXX of 2022. Last correspondence was sent via USPS and is attached to this complaint.

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 2016-02-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 wrote Midland Funding 30 days ago, they have not responded to my request for legal validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a parent of a  XXXX  and tried to open a debit card account for a minor. I already have a bank account + credit card with Chase Bank here in  XXXX , CA. The bank physical address address is :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX  - Today,  XXXX   XXXX    XXXX   around   XXXX   XXXX   I tried to open a minor account for my daughter (  XXXX  yrs in few days ) with me acting as primary account holder. I submitted all my personal verification details and then account manager/bank  manager aske d more information about where I work, how much money I make, what other bank accounts, credit cards and liabilities I have.     I refused to give additional financial information about me and the bank refused to process my request to open an account. The employee called th e manager and manager  repeated the same information despite me saying that they have my  SSN and can always run credit report ( which I assume is illegal also ).      Collecting competitor bank, loan, credit card and other financial information is illegal from my perspective when I am trying to open a simple debit card account. Chase Bank is illegally requesting additional information and denying me to open a simple debit card as a neighborhood bank.  Chase manager  said, it is their policy to " get to know the customer '' and cite d Federal laws in a booklet which says " Banks may ask additional information about the customer '' - but does not  state, that can deny the service if not provided.     I want CFPB to take against this kind of forcing the customers to disclose additional financial information and gaining insights to further market products to customers when a simple debit card account was all I requested. As a citizen not asking for loan/debt, why should I disclose additional financial details to Chase Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Oracle Financial Group LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Apparently, Oracle ( XXXX ) XXXX has contacted my employer numerous times explaining that I have an important legal matter. They have also called my church, my neighborhood association, and parents. This is a lot extreme!!! When asked to discontinue, they insisted on verifying my social security number. They were very hostile! I have verified with credit and court records, and neither has me owing a debt.

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 2017-01-07
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
PenFed offers a hardship package, but does not honor it. I submitted their own paperwork TWO TIMES plus I appealed. I submitted many, many documents of proof, plus IRS advocate case worker.

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