BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am contacting you to request the removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence violates the FDCPA and FCRA. I insist on their immediate deletion and removal from my consumer report, as their continued presence constitutes a violation of multiple laws. I kindly request that you promptly take action to remove these accounts and associated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received the PPP Forgiveness Loan on XX/XX/2021 through my Capital One personal checking account. Since then my account has been frozen due to me receiving a business loan in my personal account ( which is not illegal ). Since then I have submitted legal documents proving my loan is authentic. Today is XX/XX/2021 and I still do not have access to my funds and still no real update of when I will have them. Ive been told many many times that my account will be closed and my funds will be sent back to the lender but nothing still has not been done. Plus the bank is still collecting interest off my money and I cant even touch it. I was even told the secret service was investigating my case. Ive been patient long enough this is a cry out for help. Please help me and my family. 

Lender- Capital Plus Financial Lending AgencyXXXX XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We periodically had problems paying our XXXX mortgage to Flagstar Bankin the past. This time we were behind by around 5 months. When they would call us, we would return the call only to be transferred to other areas, put on hold and noone actually answering the call. When I was able to pay on it, Flagstar refused to take our payment ( s ) if we were not making at least XXXX payments at a time. So we started mailing our payments in using postal money orders. Then our access to our account online was totally disabled by Flagstar. We were no longer able to see the activity on the acount. all we saw was a message that said our mortgage had been sold to another servicer, and that the new servicer would be contacting us via letter. That was over three to four months ago and we still have not heard anything. And nobody from Flagstar will communicate with us. 

This is not the first unpleasant incident we have had with Flagstar Bank. They were the originators of our mortgage when we purchased our home. The interest rate on XXXX the XXXX and XXXX mortgage was high, but manageable. I notified them when my wife took ill and they suggested a modification and told us we had to be at least 90 days past due to be eligible. We did as they suggested only to have our paperwork lost. We re-submitted and heard nothing. Then we found out our XXXX mortgage had been sold to another institution. So now they only held our XXXX mortgage ( which to our surprise was actually a home equity loan ). As time went by we proceded to try and get the mortgage they held modified. We complied with all of their requests, and again, paperwork was lost or deemed incomplete. So I sent an additional copy only to have one of their employees send an email to her manager that had unprofessional remarks about our attempt to get a modification ( yes, she inadvertently cc 'd us on the email ). When I responded to both her and her manager about my displeasure of the contents in the email, the manager immediately replied to us with a favorable reduction in the interest rate along with a change in the repayment terms from being amortized over 30 years and monthly payments for fifteen years with a balloon payment at the end of the fifteen years, to a loan amortized over 20 years that pays off the entire loan in that time frame. 

It has been months since we have heard from them. And we still have no idea where our loan is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Why is XXXX the only one reporting it? Why was it deleted and re-inserted without my knowledge? Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: I.C. System, 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

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 2017-01-21
Company: Navient Solutions, LLC.
State: WA
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 had to consolidate my loans early to avoid the misdispersment of my payments, also I 've requested smaller payments and they offered hold for 6 months instead and e-mailed me the info. I pay {$200.00} payments a month and somehow am still seeing my loan balance on my credit steadily increasing {$200.00} on average every month just due to interest which is ridiculous. I actually failed a few classes due to a XXXX and was denied when I requested additional grant and loan assistance. I also know my grades were incorrect in many cases due to a XXXX link issue at XXXX. My midterns and projects and homework were n't showing up as completed when I absolutely did them. I am near a XXXX GPA student even WITH XXXX full time quarters failling in all my classes. It is unjust and I hope to be compensated for my hassle and suffering. I am a single a parent and XXXX in need of a college degree to obtain a decent career and job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I initiated a transfer from Bank of American on XXXX/XXXX/2016 that was received by PFCU on XX/XX/XXXX. On Tuesday, XXXX/XXXX/2016 I received an email from Bank of America that Billpay or transfers are now inaccessible. The transfer that was made to XXXX XXXX XXXX XXXX ... 5 days prior to receiving the email about transfers being inaccessible. XXXX charged me a {$30.00} returned ACH fee due to BOA taking the money back 5 days later. BOA Branch said they ca n't do anything.

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 2016-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
Yes my father stole my mail and cashed XXXX or XXXX checks through his bank account with bank of america, name on the account is XXXX XXXX XXXX, fraudulently signed and endorsed my checks though his bank account, bank of america cashed the checks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank Of America wo n't help us modify a loan not even with a settlement. We are on active Bankruptcy chapter XXXX and since Bank of America is a XXXX loan and the house is not worth it once I finish my BK chapter XXXX they will not get payment, so I called to get a modification on that loan or a settlement and they are happy to loose their money. They say we do n't qualify for any program they offer but we are underwater and we are willing to work with them to come to a settlement but maybe they will get more money by filling a claim with an insurance stating I was not willing to pay of help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted the lender many times asking if they would remove the PMI from my mortgage payments without a positive resolution. The PMI makes my mortgage higher than i can afford and it should have been gone a long time ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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:
I contacted the credit bureau on several occasions and made them aware. 
The credit bureaus instructed me to come here to file my dispute before they could remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
OnXX/XX/2021 I mailed out a dispute letter to Equifax. The letter was delivered on the XXXX of XXXX. I have yet to hear anything back from the company with regards to this investigation. Today is XX/XX/2021 and it has been 33 since they received my dispute. I feel that they were given enough time to complete their investigation, and if needed more time, they could have reached out to inform me of that. I feel completely ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Law Offices of Robert J. Colclough, III
State: CA
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:
ACSCA has been att empting to collect on a debt using harassing and deceptive practices. This debt was involved in identity theft. The original creditor has sold this account to several collection agencies and this agency is the third. The original creditor was informed of the identity theft and received all documentation from the police regarding this debt.  ACSCA has   threatened to file a lawsuit against me by serving a notice at a different address and has also threatened to sue me in different cities to obtain a judgement. They are using dishonest, harassing and deceptive practices to obtain a debt that was involved in identity theft. ACSCA has also posted this debt on my credit reports without proper notification and t heir representative stated and threatened that they will keep posting the debt on all credit bureau reports until its paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In the last few years I have received repeated calls from various collection agencies for a debt that is not mine. They are calling for my ex husbands son. I have been divorced for XXXX years and he has never lived in my home and I have no relationship with him. I do not know how he continues to be associated with me or my family since the marriage was disolved a long time ago. When I ask to speak to a supervisor, I get disconnected. I have asked for them to stop but it seems to shift from agency to agency. Any adivice you can provide would be greatly appreciated. None of the agencies will tell me how they got my name and say it 's to protect their client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Avadyne Health Holdings, Inc
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit is being attacked be cause of some bill from XXXX XXXX. 
My husband is covered by the VA. They pay all his bills. 
My credit is being attacked because of this delay. After explaining this several times, HR collections continues to put it on my credit report ( as my services ). They should be talking to XXXX XXXX and or Veterans Administrations. Not be wasting time trying to get me to pay someone else 's bill. I should not be being punished.??? HELP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Regional Management Corporation
State: OK
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
A loan worker calls me two to three times a day and leaves voice mails now they called my work to verify employment for wage garnishment. I have never received a judgment or an letter for garnishment. They have drove to my house an came up the drive they have called me several times a day an have contacted my employer under no legal grounds and are now making threatening phone calls to me I am feeling harassed and I never applied for a loan with this company they sent me a check in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I verbally advised this company to stop calling me after I settled and paid a debt. Since I 've made the settlement payment, Receivables Performance Management calls me XXXX times per day. I 've asked them to stop calling me, Ive requested managers and supervisors but the representatives who answer the phone refuse to connect me with someone in leadership. I want them to stop calling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Alliance One, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Received notice that XXXX XXXX XXXX NY XXXX NJ had XXXX violations for {$8.00} each. I have had XXXX Pass for over 10 years with auto payment on my CC. I have NOT received any violation notices XXXX in YEARS as I take the bus into NY every day AND my XXXX pass is on Autopay. If I had received any violation, I would have filled out the bottom to show I have an active XXXX Pass account. 

I have called Alliance One to get copies of these violations. No response at ALL. Alliance One is charging a {$50.00} fee per violation. Now there is a {$110.00} bill for something that is Autopay and I got no notices of violations in YEARS. I want copies of these violations NOT just numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2004 with a balance of {$430.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Coastal Financial Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The company was Coastal Financial Solutions who continued to call. I initially did n't recall the debt ; however, after a few minutes of research on my bank statements, I found verification. I made two honest payments on my account, which I stopped making due to financial constraints. 

There was claim by Coastal Financial Solutions that they had made numerous attempts to contact me, which I never recalled receiving. We took the payments off autopay and genuinely forgot about the debt. 

On XXXX XXXX, 2016, I received several consecutive calls from a person representing Coastal Financial Solutions, who DID NOT state that this was an attempt to collect a debt and all information would be used for the purpose. He also stated that if it was n't resolved then it could be considered a felony and possible jail time. I was then transferred to the supervisor who said the same thing. Then the call was disconnected. I have received no correspondence from XXXX, nor have I received any correspondence from Coastal Financial Solutions. I have n't received any summons to court or any legal documents. 

When asked to receive correspondence by mail, they refused, when the law states they must send written correspondence within 5 days. They considered my request a refusal to pay. They said that my lack of recollection was considered a refusal to pay. 

After a few minutes of researching bank statements, I recalled that I did, in fact, take out the loan and I am responsible for it. I called them back and spoke to the same supervisor, who said he would send a settlement agreement of approximately {$790.00} by XXXX on XXXX XXXX, 2016 through e-mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Southwest Credit Systems representatives continued to call my cell phone after I asked them to stop. They then began to call from a different telephone number. After a few days of these annoying calls, I finally called them to advise them that I felt harassed and ask them AGAIN to stop. I spoke with an extremely rude manager ( XXXX XXXX ) who, after a heated argument in which I told him that it was illegal and that I was going to file a complaint, agreed to stop the calls.

Company response to consumer: Closed
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update all of my personal information on XXXX, XXXX  and Experian.There are forms of my name and addresses that should not appear on my credit report. 

My only name is XXXX XXXX. 
My only address is XXXX XXXX XXXX. XXXX XXXX, OH 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 2016-02-12
Company: Vital Solutions, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent messages from Vital Recovery Debt Services ( XXXX ) made to my cell phone asking me to get in touch with them. I have no outstanding debts of concern. We are financially solvent. I suspect this was a phishing call.

Company response to consumer: Closed with explanation