BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-20
Company: EQUIFAX, 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:
XXXX/XXXX/XXXX - This complaint concerns EQUIFAX only. 

The problem is that current EQUIFAX credit reports do NOT show complete public record information. Neither the annual credit report nor the EQUIFAX site XXXX XXXX XXXX reports show the discharge date XXXX bankruptcy ) nor tax lien status ( release ). 

Despite discussions with EQUIFAX consumer reps, could not get any report showing the current status on the bankruptcy nor the tax liens. EQUIFAX staff could not explain why the information was accurately reported in previous reports. There was no accountability for incorrect and potentially derogatory information being propagated by EQUIFAX. I talked with 2 representatives who could not explain why the information was not showing up on the reports - nor would they do anything to correct it. I requested the supervisors supervisor and waited on the phone for 40 minutes without a human response. The number I called was XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX - EQUIFAX reported public record information completely. Discharge and tax lien status 's were accurately reported in credit reports. 

XXXX/XXXX/XXXX - EQUIFAX reported public record information completely. Discharge and tax lien status 's were accurately reported in credit reports. 

XXXX/XXXX/XXXX - Filed dispute on XXXX with EQUIFAX. EQUIFAX did not have up-to-date information about XXXX tax lien status ( released ). EQUIFAX investigated, agreed with my information and updated their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: JPMORGAN CHASE & CO.
State: CA
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 customer service

Complaint:
My family and I traveled to XXXX in XXXX XXXX. While in XXXX, my daughters bag was lost by the airline and subsequently delivered 6 days later. When the bag was reported lost, we called Chase Credit Card, since our tickets were purchased on the card and a benefit of the card was that they would reimburse me {$100.00} for every day the bag was delayed. I was told that they would only pay if the airline did not pay me a reimbursement as well. As a result, I did not file a complaint / claim with the airline. For 3 months, the bank has stalled, lied and completely mishandled my claim. They finally came back and told me that they could not pay because I did not get a letter from the airline stating that the airline did not pay me. When I finally got the statement from the airline, I am being told that they are still unwilling to pay. They have reviewed all my documents, over and over and over, and each time attempt to stall me. Their behavior and subsequent customer service clearly indicate a deliberate effort to stall, dodge and avoid making payments. This is a clear violation of their terms in word and spirit. The expenses were exactly per the instructions the customer representative gave us when we called for direction while still on our trip. Clothing, shoes, bag and toiletries. I have submitted all these expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: NPS GROUP
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
NB Group has repeatedly contacted me and other fellow family members harassing to collect a fraudent debt that I never owed or attempted any payday loan in the past. They are claim without any physical original contract with my signature a debt they claim I owe a Payday loan which I have never attempted in my life a payday loan. They left voice messages after voice messages with me even after being told to CEASE and DESIST contacting me, XXXX and other at this office XXXX stated they can continue on calling me regardless I told them this was against the federal law. I reminded them today as of XX/XX/XXXX I will be filing a complaint with the CFPB. They need to provide physical proof of my signature and a original contract as I know this is fraud. They claim this happened back in XX/XX/XXXX, which there was identity theft and my personal information was stolen. I have police reports and including and up to my XXXX XXXX being reported my identity was stolen from XX/XX/XXXX through XX/XX/XXXX. This company NP Group has violated my rights and continue to harass me and others on their list of automated calls as other family members are being harassed as well.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-03
Company: Millco Management
State: NC
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:
Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instrctions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: FirstPoint Collection Resources
State: NC
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:
Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.

In accordance with the fair credit reporting act convergent account # 12345, has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instrctions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Ascend One Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I took over a mortgage cause the owner passed away I have fallen behind on payments but I will be able to pay the next payment plus a little more to try and get caught up I need help to see if the bank will work with me

Company response to consumer: Untimely response
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

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 explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the bureaus and consumables about these accounts on several acaccusation to apply to remove this accounts are 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio Recovery Associates through their attorney XXXX XXXX XXXX XXXX filed a judgment against me after I filed a dispute with their attorney-XXXX XXXX with XXXX XXXX. After reviewing the filed court documents I believe that my rights were violated due to lack of documentarion & conflicting dates on the XXXX XXXX XXXX XXXX affidavit that XXXX of XXXX 's employee signed & certified. Also, their attorney advised me that I do n't have to appear in court because I 'm disputing the debt. I only want to verify/validate that this debt is truly mine & they have the right to collect. 
Attached is the letter sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions 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:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, 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. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW

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 2022-05-03
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Fake US DEPARTMENT OF EDUCATION REPORTING ON EQUIFAX ACCOUNT - I believe equifax is in on it. 
Ive called the US DEPARTMENT OF EDUCATION AND PROVIDED MY NAME, DOB, and social security number and I dont have an account with them nor have I ever applied with them they cant send me a letter nor a fax stating that because I dont exist to the us department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I deposited a cashier 's check and Bank of America has illegally placed a week long hold on my money. This is abusive and has happened repeatedly. They should be fined and investigated for their criminal behavior.

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 2022-05-03
Company: Southwest Credit Systems, L.P.
State: FL
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 reached out to Southwest Credit Systems on XX/XX/2022 requesting information regarding my debt. I asked to please be provided with with paperwork in regards to this debt that I have no knowledge with. They refused to provide me with the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: BTH Management
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My mother was contacted by an XXXX representative on XX/XX/2022 who shared my private information. XXXX claimed to be a mediation company contracted by Plaza Services, the lender who now owns the fraudulent loan. 

The companys name is XXXX, and the representative told my mother that I owed bad debt, and that arbitrary action would be taken by XXXX pm eastern time if I did not contact them. The representative also told my mother that this debt was not fraudulent, and payments had been made. I have been in the process of disputed this debt as fraudulent since my identity was stolen in the XXXX breach. I have no knowledge of making payments which further complicates the issue. Under the law, I believe this falls under bad communication tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Midwest Recovery Systems
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 am not understanding why this collection is still on my XXXX report! Midwest has said three times they sent a request to remove yet it is still on my report. See their below responnse : We have followed our dispute policy and have n't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies. 

I want this fraud trade removed from XXXX ASAP or I will seek damages as allowed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Duvera Billing Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to get this resolved since I noticed it on my report once I opened escrow. This debt was a result of a furniture store delivering the wrong and broken Item to me, I did not allow them to leave the item and they are still charging me for the item. The furniture store also claimed the full {$1500.00} I was approved for but I only ordered a {$700.00} item that of the {$1500.00} and once it got to me it was damaged thats why I never took possession of the item. Now Duvera has derogatory charges to my report in the amount of {$3500.00} being reported negatively since XX/XX/2018 to current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Northern Trust Company, The
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a trust account with northern trust company. XXXX Florida branch. My mom had her estate administrated by them and her will and trust became irrevocable when she died XX/XX/XXXX. Article Third of mom 's amended will which she amended XX/XX/XXXX, states the sole mention of the condo, in the will and trust.it says if my brother wanted the condo, he could have it and the value of the condo shall be deducted from his share of the estate. The plan of distribution of the amended irrevocable trust is 5050.the condo value was XXXX he took the condo in XXXX, sold it spent the sales proceeds. They never took the deduction for my equal share. Instead, in XXXX, they said his account was over funded by XXXX, so they deducted that from his account transferred it to mine. They called this half the value of the condo. They also called it the whole value of the condo.fact is, as the account statement showing the transfer says, the overfund was from a distribution in XX/XX/XXXX, made in error to his trust from our mom 's trust estate. In other words, nothing whatsoever to do with the condo. They also created a fraudulent accounting in which they falsely show the condo value as if added twice to the portfolio funding for both trusts

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 2019-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In response to another CFPB complaint that was filed about Bank of America 's predatory XXXX reporting before attempting to collect a debt, I was contacted by the bank 's Regulatory Complaints Servicing department this morning. As you will hear in the attached recorded phone call, I informed the bank that I was located in a one-party state, and that I could therefore record our phone call without their consent or knowledge. The bank representative, XXXX, told me that she couldn't talk to me because of BofA policy. I attempted to explain to XXXX that BofA policy could not preempt state law -- despite the bank 's pattern of feeling above the law -- but she insisted. Before the call comes to a close, I requested an email with XXXX 's full name and phone extension, as I was driving and was unable to write down her contact information. She told me she was sending it " right away, '' and in keeping with the Bank 's pattern of deception and fraud, she did not actually email me. I have no way of getting in touch with the representative who is supposed to be overseeing my CFPB case, because she did not send me her contact info as promised in the attached recording, and when you call the inbound number for the Regulatory Complaints Servicing department, you need an extension to reach your representative. Bank of America is not able to preempt state law with their corporate policy, and I have the right to be able to discuss this complaint with the bank before filing a lawsuit.

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 2018-06-04
Company: BOK FINANCIAL CORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a conventional mortgage in XX/XX/XXXX of this year with a closing date of XX/XX/XXXX. They had 45 days to acquire all of the necessary documents. I informed them that I would need to have final numbers for closing a week before the closing date due to travel time to the closing. Calls to loan officer 's assistants went unanswered as did requests through emails. As of the XX/XX/XXXX they have not given me the amount I need to close. I have to have time to get a certified check and allow travel time and this is the last day that it can be done. Just wanted to let other people know that Homedirect Mortgage  is not concerned about the customer 's needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), XXXX : XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Bank of America services.

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 2020-10-16
Company: TRANSWORLD SYSTEMS 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:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$63.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company response to consumer: Closed with explanation