BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A new collection agency, XXXX XXXX, XXXX has begun reporting an old account that should be removed from our credit reports due to the statute of limitations having expired. this account is from an old mortgage that was opened in XX/XX/XXXX and was in default XX/XX/XXXX when we entered negotiations to attempt to get a mortgage modification. The last payment was in XX/XX/XXXX and the collection agency is reporting that a payment was made in XX/XX/XXXX. This is inaccurate since the modification was denied and our home was foreclosed and sold XX/XX/XXXX. After which we filed for XXXX XXXX bankruptcy and this account was listed, however, the creditor charged off the debt and did not file a proof of claim and surrendered their right to collect. I believe some one has falsified some of the dates and details in an attempt to illegally re-aged the account. No mention of this account has ever been reported on my credit reports until XX/XX/XXXX and no it has suddenly appeared as a current and active collection consequently damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I elected to end my COVID-19 forbearance and request a loan modification. I did all the work involved in the loan modification process including all paperwork, check-ins, and made all trial payments. My loan mod was approved and my account with to return to normal servicing by XX/XX/XXXX. 

To help mitigate the on-going hardship further, I applied and received a one-time only grant from the local XXXX non-profit agency. The amount of the check they gave me to send to PennyMac ( my loan servicer ) is not enough to pay the amount I was in arrears in full but the loan modification would solve that. These funds would help my ( new ) mortgage payment to be covered for the next 6 months while I rebound financially. I am earning less than half of what I was earning prior to COVID. 

Even though the funds are not from the HHF program and I am not in a program that makes my mortgage payment for me on a continual on-going basis, PennyMac halted my loan modification and coded my account to HHF. They are unresponsive to my many, many phone calls and emails trying to understand what is going on and why this one grant amount would negate the loan modification agreement. They are completely unresponsive and say that I can only speak to one individual for answers to question because my account with PennyMac is coded as " HHF ''. They will not give me any answers about my loan modification or the rules in using another mortgage assistance source. 

The loan modification process I started in XX/XX/XXXX was to conclude XX/XX/XXXX. Now, once they cash this 3rd party check, I will show that I am $ XXXX {$6000.00} behind on my mortgage and in a delinquent status when the APPROVED loan modification was to reabsorb the amount I was in arrears back into my loan. Why would a secondary source of hardship assistance be in conflict with a loan modification when the hardship isn't just about getting current with the loan- it is also about a reduction in incoming because of the pandemic which could put me right back in the situation of getting behind on payments? 

The pandemic has been an unprecedented upheaval in so many lives unlike anything we've seen in any of our generations save for those still with us who survived the Depression. To make recovering from the impacts of it so tedious, so out-of-reach, so lacking in common sense is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IN ACCORDANCE WITH THE FAIR CREIDET REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATRS I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAT NOT TREAT A PAYMENT ON A CREIDET CARD OR LOAN ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

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 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi I'm very upset on what's going with Bank of America. I put in a claim for a service I prepaid for goods in XX/XX/2021. The company randomly went out of business in XXXX and STILL did not inform a public statement that they closed. They scammed people out of money knowing they were on the brink of closing. I prepaid for goods that are not promised and not the agreement of the reason of signing up for a annual membership. My bank denied my claim and I'm trying to explain these were a prepaid transaction for goods I was supposed to receive and never will due to them closing down. I'm out of XXXX which I'm extremely upset about.

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 2021-10-01
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
, I feel I am a victim of predatory lending to through originally XXXX  XXXX  and now ancient. I attended XXXX XXXX. They violated state law and for profit schools where found guilty of predatory lending. Under the current law they can not garnish or put a lien on personal property or your paycheck. Not only was I protected through a divorce decree to repay with conditions which where violated. But also protected by predatory lending law. The department of education along with XXXX have refused to recognize the law or abide by it. This has left me in financial ruin for 10 years. I've lost out on 2 home purchases, higher rates for loans, mental health and medical bills pop paid by state or federal agencies. It has violated the human trafficking laws of 2000. 
I have been harassed by federal agencies because of local and family associates involved. My two children who I have legal custody of are concealed and it all boils down to financial abuse of my ex wife XXXX XXXX and XXXX XXXX refusal to dismiss the loans. 
I need help and backing in fighting this issue. I can't be the only one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
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:
I pay for Experian credit monitoring. Experian dropped my score 16 pts from XX/XX/XXXX to XX/XX/XXXX. The reason listed on my Experian account says " The percentage of your accounts paid on time has decreased by 9 % since XX/XX/XXXX ''. My Experian credit report shows no late payments in that period and shows everything as paid on time. I have spent hours on phone with Experian and they just read off a script saying that many things can affect a credit score, which I know. They also confirmed that there are no late payments on any of my accounts in this period. They are not showing any lates and refusing to tell me what the late payment was.

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 2022-05-05
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I've received several notices from XXXX XXXX for accounts that have been in default due my failing health. 

XXXX bought debts from a XXXX cards and entered judgments against me XXXX  XXXX - which was dismissed XXXX XXXX XXXX - Entered in the amount of {$5300.00} CITI Bank- Which was entered which they are now trying to garnish wages from a Job I no longer work at. and I am paying the debtor directly

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : 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 2017-11-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Sent to Equifax : Thank you for offering Trusted ID, since my information was compromised. I am having a few problems and I ca n't seem to get anyone to help me. 

When I log in to Trusted ID Premier, underneath Credit Lock Status, I see that an error has occurred, and I am told to email customer.care. I get no response. 

When I click on my credit report, I see a few items that I have disputed, but no changes have been made. I have made 5 requests - I ca n't log in because of the error, but I call at least once a week. I have mailed and faxed repeatedly, and whenever I call, I am given a different fax number. Some numbers I have been given never answer. I have been put on hold for hours, been hung up on, and been told to fax additional documents, which I have done, but there is still no resolution. 

I paid {$500.00} to get my home appraised, and my refi was declined because I have all of this outstanding debt - which is not my debt. I understand that companies have 30 days to fix errors, but what if the mistake belongs to the credit bureau? I have been trying for months. 

The specific items : XXXX, XXXX - this is not my loan in Texas. It belongs to a person named XXXX XXXX. My mortgage is with XXXX XXXX : XXXX - this is not mine XXXX XXXX - not mine XXXX XXXX : XXXX - not mine - I do n't have a car loan, but my prior loan was with XXXX XXXX XXXX : XXXX - not mine XXXX XXXX XXXX : XXXX - this is not mine If you scroll down to associated addresses, I have lived in the NC locations, and a person, who I have never met ( XXXX XXXX ) lives in Texas. Please remove those Texas addresses. 

My social security is : XXXX XXXX XXXX 's social is : XXXX My birthday is XX/XX/XXXX XXXX XXXX 's birthday is XX/XX/XXXX I have fax confirmations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I do n't have receipts from mailing documents as I assumed this would get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: ASSOCIATED BANC-CORP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Associated Bank helped me dispute multiple disputes including one for XXXX and during the internal investigation of associated bank corp and the other website vendor they determined that the transaction was valid based on an ip address, date of transaction and username and my email address. im still disputing this because is my current email address that im using but someone is watching my email emails that's how they know all my whereabouts and thats why im getting all the calls and the texts that are harassing and and spam fraud and identity theft people are hacking my and collaborating my XXXX XXXX settings and i can't control no matter how many times i change my password. someone has control from somewhere else. i can pull my XXXX  location history and dates from my email address and ip addresses to see if that matches the login the other website gave associated bank. the other red flag was they are claiming to associated that my email was linked to a username i created which i didn't and i dont recognize for one for two my whereabouts on the date that ip address access used my email address and that username to log that site was from location XXXX XXXX i have alibi that places me in XXXX  XXXX all day that where i live. I claim someone's setting me up and associated is coming after me because financially there holding me responsible for this XXXX transaction plus whatever else i disputed with it from all the other probly phone websites.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
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: Information belongs to someone else

Complaint:
I was a victim of identity theft and I'm sending this request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureau are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 2021-10-01
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Started from XX/XX/2020 until now and it was two the value of XXXX and it could be more I deal with XXXX XXXX XXXX and I don't have a receipt or all the purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXXY XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not authorize the credit inquiries that are listed on my Equifax Credit Report that I reviewed on XXXX/XXXX/2016. Please see pages XXXX of the attached credit report. Due to the rising incidences of identity theft, I would like the unauthorized inquiries investigated to determine who authorized them. I would also like the unauthorized inquiries deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX XXXX home mortgage is missing and is not being reported on my Experian credit report, however is being corrected reported on my XXXX, XXXX reports. I have contacted XXXX XXXX and Experian multiple times, most recently date 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 2017-11-20
Company: Diversified Consultants, 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:
upon terminating my account before relocation XX/XX/XXXX, I entered into a early termination agreement with XXXX to pay {$20.00} per mo. until balance of {$330.00} was paid in full. I have honored that agreement with payment receipts up to XX/XX/XXXX ( please see attached XXXX 's payment record ) The remaining {$110.00} I mailed to XXXX XX/XX/XXXX in the exact same way as I had the many payments before. In the form of a money order, the exact same address as before. ( please see attached money order copy for {$110.00} ) On XX/XX/XXXX my credit report shows this {$110.00} listed as in collection. ( please see attached, my letter to XXXX dated XX/XX/XXXX making them aware of there violation of my rights under the Fair Debt Practices laws ) XXXX & Diversified Consultants , Inc . Response : ( please see attached letters dated XX/XX/XXXX & XX/XX/XXXX ) XXXX says they had not received my payment, and advises me to contact the money order company to see if money order had been cashed. ( please see attached XXXX letter dated XX/XX/XXXX & money order copy ) Diversified Consultants, Inc. letter confirms the debt I owe. ( please see attached letter dated XX/XX/XXXX ) The violation is that this letter of first communication is four months late. Therefore denying me the right to dispute the debt if I owed it, under fair debt protection law. Please note that XXXX 's own payment record shows that I was payment current as of XX/XX/XXXX ( please see attached XXXX payment history record ) This shows there was no reason to report collection on my credit report. Because the grace period between payments had not expired. Record shows first report to my credit report was XX/XX/XXXX. ( please see attached letter dated XX/XX/XXXX making XXXX aware of the violation of my rights ) XXXX has yet to respond to this letter dated XX/XX/XXXX where I 'm still trying to settle this matter. I tell them that I took them advice and contacted the money order company, and found that the money order had not been cashed. and explained that XXXX XXXX money order refund would take up to 45 days. and as my letter goes on to say. I would send another {$110.00} to XXXX in return they remove the collection from my credit report that according to evidence should not have been placed there anyway. Know response from XXXX as of present, but I have received refund from XXXX XXXX less {$18.00} fee for refund. ( please see copy attached ) Please investigate and have removed from my credit report. Thank you for your time in this matter. for it appears they are parking the debt on my credit report.

Company response to consumer: Closed with non-monetary relief