BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax has made it so you can not submit a dispute as their system isnt working. It has been over a month that Equifax was supposed to remove the collection from XXXX. Also they are now reporting missed payments on a card that hasnt been open in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America failed to make Verbally full disclosure its Loan Modification practices and procedures. The issue concerning negative credit reporting was never Verbally discussed or disclosed, however, it is in the contract. This practice of not Verbally disclosing all of the information concerning their Loan Modification practices and procedures is deceptive and fraudulant. It is never fully Verbally explained that during their Loan Modification process the post mortgage payment is protected from negative credit reporting but the pre-mortgage payment is not. Therefore, their not Verbally communicating all aspects of their Loan Modification process is fraudulent and deceptive. I am asking a full investigation into Bank of America 's Loan Modification practices and procedures. From XXXX to XXXX I have been a participated in XXXX XXXX XXXX XXXX Bank of America loan modifications and at no time was it ever explained to me Verbally, the negative aspects of their process. My argument is not in the paperwork that bears my signature but in the fact that negative credit reporting of the pre-loan modification mortgage payment and the post loan modification mortgage payment was never discussed. I know that I should have read the contract through, but since negative credit reporting was never ever explained to me as being a part of their loan modification process ; all of the documents that I signed and had witnessed and notarized was done in " good faith ''. I am asking that the FHA intervene and that the scripts that are being used by the agents and representatives of Bank of America be seized and investigated so that no one else will be deceived about every aspect of their loan modification process. I am attaching their final resolution as well as my XXXX credit reports ; with particular note to their " Summary of our research '' section of their letter of explanation ; where they stand by their decision not agree with my request for credit restoration and credit score worthiness.

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 2022-02-11
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$630.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, On XX/XX/2021, I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from XXXX late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, Equifax, and XXXX. XXXX deleted derogatory from XXXX, but not Equifax and XXXX. I have confirmation of XXXX noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for XXXX and XXXX permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with 3 small dogs ) At the time, I worked at XXXX 's as their Electrical Engineer, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At 71 and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and XXXX and the credit agencies. I am at a loss as to how this can happen and can not be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: ACIMA CREDIT, LLC
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: FL
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 have a credit card with Capital One that was closed by the issuer and subsequently charged off. 

While working with Capital One on a payment plan, the account was " apparently '' transferred to a law firm named XXXX, XXXX XXXX XXXX. I have no specific knowledge or communication from Capital One the account had been transferred to this firm. 

The firm " acting on behalf of it's client '', supposedly Capital One has obtained a judgment against me. 

The firm contacted me in XX/XX/2022 to arrange a repayment plan on behalf of " it's client '', Capital One. 

Terms had been discussed and was advised notification of terms would be sent vial email. That email was not received and a follow up phone call to the firm representative, XXXX XXXX went unanswered. Approximately 30 days go I received the first postal communication requesting an installment payment. Due to timing of receipt as well as current financial status, I had not been able to submit the " demand '' payment. 2 days ago, I received a notice of deposition. The law firm acting on behalf of Capital One is attempting to seize assets and garnish wages. 

Upon reviewing my credit report, Capital One has reported my account as " Closed, Account Canceled by XXXX XXXX ''. If the account has been canceled, how and why can a law firm obtain judgment and furthermore seize assets, garner wages? 

I have attempted to contact Capital One to resolve this matter and my calls get immediately redirected to the law firm. 

Upon speaking with the law firm today, the firm is not interested in arranging a payment plan. Merely, pay the balance in full or be deposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: SinglePoint GI
State: IN
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:
Per previous complaint, General Revenue Corp has admitted to violating my consumer rights to privacy, 15USC 1681 ( B ) Permissible Purpose, and providing inaccurate amounts owed to original credit.

I attached the reply from General Revenue Corp, where they stated that they provided a signed financial-aid certificate as proof debt. This is a/an admission of violating my consumer rights to privacy, and a violation of Permissible Purpose 15USC 1681 ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Portfolio Recovery Associates states " We sent our initial notification letter to you on or about XX/XX/2020. We have no record of a request or dispute being received in relation to our initial notification. '' This is in the complaint # XXXX response. Portfolio Recovery I did not receive a notification of this debt collection. What address did you send the notification to? You did not mail the notification to my present or past address. I demand a copy of the notification letter you sent XXXX XXXX for my records. 15 U.S. Code 1692b - Acquisition of location information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I have tried to get a copy of the bill sent to me three times and not bill has been received. Also, I am not working due to being XXXX and tried to get a hardship form request to be sent out three times also. The rep 's advise they was going to send these documents on all three calls, but nothing has been received at this time. They have called and harassed me when I have advise them of my situation. I was on a payment plan, but all funds has been exhausted. Today I spoke with a Rep name XXXX who advise me there is no way I can get a hardship due to the payment plan I was on. Please help in this matter. My account number is XXXX with XXXX XXXX XXXX XXXX, GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX

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 2016-12-30
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I have called Citibank several times regarding disputes XXXX and XXXX against XXXX, in addition to providing all the information they have requested in an incredibly timely manner. Three times I have been told that someone from Billing Disputes will call me within 24 hours, three times NO ONE called me. That is incredibly unprofessional. Furthermore, I still have not heard anything about the billing dispute in the amount of XXXX. 
When I look at my Citi statement, I see they provided a conditional credit of XXXX which makes no sense given that the amount in question is XXXX. It ca n't be because of the XXXX dollar XXXX credit that the store claims they gave me because in my first response to this dispute I shared that a XXXX dollar store credit is useless to me as that forces me to shop at the store and I might not need to shop there, and I am not going to buy textbooks I do n't need just to use a credit. That is not an acceptable. Also, if they read my communications I told Citi that XXXX will not let me make any purchases through their website while these disputes are pending, so even if I wanted to use the XXXX credit, I actually ca n't. Had they read my communications, that would all be evident, and they would realize that the XXXX credit is useless and the conditional credit should be in the amount of XXXX. 

I am really disturbed at the lack of attention to detail in these disputes, the lack of response despite Citibank promising several times someone will call me, and no one has and the repeated errors. I spent a lot of time gathering the information their request, I expect you will take the necessary time to read it. 

I gave Citi until Friday XX/XX/XXXX to respond to my last email in writing, either via email or by mail ( but i expect the letter to arrive by XX/XX/XXXX ) to address everything in my letter. No one responded in writing and the amount on the statement continues to be incorrect.

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 2022-02-12
Company: Financial Data Systems
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please be advised, Ive sent numerous Communication to credit management in reference to a debt that I do not owe. this account is fraudulent and does not belong to me please see attached FTC report. I have never done business or enter into a signed contract with credit management lp Account number XXXX {$810.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to acquire validation of the debt the company is attempting to collect, however, the company has failed to provide the needed documentation. Despite not sending the documentation they have continued to report the information on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern ; I am currently writing you for the horrible service I receive from a mortgage loan officer XXXX XXXX. I filled out an application in regards to a mortgage and just general information because I do n't know much about the different types of mortgages and based on the service I decided I am definitely not getting a mortgage with Bank of America ( who 's service I usually like ) but now also now thinking of withdrawing all my accounts/products from BOA. I 'm writing this because honestly I 'm about to purchase XXXX of the biggest things in my life and your company treats people like garbage, rudely pushing people off the phone and acting like any other big bank push wanting another customer and money in the end I just hope your company does n't treat anymore like this. Thank you for your time. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: National Credit Systems,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:
I sent several certified mail in XXXX of 2017, Ive filed several complaints within the 6 months for this particular account. I havent gotten no response. Im fed up, Ive asked to prove how both XXXX  and National Credit System were able to verify this account 100 accurately before placing it on my credit file as an error. By law you cant verify an account without original documents. FCRA Section 609. I repeated that Im not aware of the account several times and Ive been ignored so whats left is to take legal actions against XXXX & National Credit System. You will be contacted by my lawyer and the attorney generals office about this account. It has caused great pain and suffering to my life. I will make sure this matter is resolved within the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have tried numerous times to lower my payments to something I can afford with no success and my loan just keeps getting larger and larger every month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: TX
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
XXXX XXXX ( formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) defrauded and misled me into believing the school had a high graduation rate and was regionally and nationally accredited with the U.S. Department of Education. I attended from XX/XX/XXXX until around XX/XX/XXXX. They misled me to believe their credits could be transferred to any 2-year or 4-year college or university in the region, which I sadly discovered not be true. Financial aid advisors and program advisors continuously persuaded me to register for classes and sign for very high loans for at least three quarters. They did this even when I showed inability to pay the loan debts and even when I was not passing all of their courses. I was always advised to sign for these loans without reading the loan agreements and promissory notes. I was always rushed. They even went as far as having me sign a recourse loan with the school, just to allow XXXX XXXX ( now Navient ) to disburse more funds to their school. Over the years, these loans both federal and private, have negatively affected my credit report and scores, I have defaulted on some of the federal loans, I am currently not eligible for FAFSA grants due to those defaults, and I have also had my wages garnished because I was unable to pay on time. It has been over ten years and I still have high loan balances, both federal and private. My outstanding private loan balance is {$21000.00}, still accruing interest. XXXX XXXX ( formerly XXXX XXXX ) has denied and ignored every direct and indirect request made for copies of official and unofficial transcripts. I highly believe their practices were unethical and illegal. They preyed on me and many other young adults and for myself, this fraud has ruined me financially. I 'm still paying for it to this day and I have nothing to show for my XXXX dollars of debt. I was misled and lied to by this for profit institution. And now, XXXX XXXX ( formerly XXXX XXXX ) have closed their doors to new students. The school is no longer in business. Based on their fraud and predatory actions, I am seeking all the loans be discharged and reimbursement for payments made both voluntarily and involuntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: SC
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 would like the fraud alerts removed from all 3 credit bureaus. Now that I am actually really trying to get a car, I am having difficulty because of the fraud alerts. The info provided shows my name and address. Please remove fraud alerts

Company response to consumer: Closed with explanation