BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-01
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: Old information reappears or never goes away

Complaint:
Equifax has violated section 611 ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy On XX/XX/2018 I received my dispute results from Equifax. In the results it shows the account I disputed, XXXX XXXX  that had a balance of {$4500.00} deleted from my Equifax credit report. I just recently looked at my Equifax report and I see Equifax has reinserted the account back on my report without notifying me. According to the FCRA section 611 ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy it states, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion. Equifax did not send me anything in writing about a reinsertion which is a violation under the FCRA. Please remove this account immediately. It was removed in 2018. Please check attachment. It will show the account was removed in XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I got my cell phone connection with XXXX in XX/XX/2019. As part of the deal I was supposed to get a {$150.00} gift card, which I never received. I closed the account in XX/XX/2019. I was retroactively billed for {$150.00} gift card. I reached out to XXXX, who assured that they will investigate. I explained them that if investigation concludes that I never received/used the initial {$150.00} gift card, then they can cancel off the charges. Instead I was told, if that's the case they can not cancel the charges since the rewards department and billing department are separate.Instead, I would be issued a new {$150.00} gift card by the rewards department, I can then call the billing department and use the new {$150.00} gift card to pay back the outstanding bill. They never returned back to me with the results from their investigation. Instead, they keep reaching out to different debt collectors ( 3 different debt collection agencies so far ) and continue to harass me to pay for the gift card. They have also got these charges listed on my credit report/credit history. I have tried to get this issue investigated through equifax but they are not able to move forward and keep sending me the bill that was issued by XXXX for {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
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 am a victim of identity Theft. Someone got hold to my person information and Social security number. I believe it happened during the XXXX  data breach or the Experian data Breach i am not sure. I sent Experian and XXXX  a FTC report, report number XXXX regrading a fraudulent XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX reporting on my Experian and XXXX  consumer report. I have no knowledge of this account. I did not open up this account. Experian and XXXX  refused to block the account as stated under the FCRA section 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. Experian and XXXX  stated the account was verified, and declined to block this account. I am the consumer and i am the only person that can verify an account. No one else can verify an account that's in my name. So I need this account removed immediately. If Experian and XXXX  refuses to block this account, I want to know how this fraudulent account was verified, what method of verification was use, who verified that this information was accurate. Experian and XXXX  has not sent me any of that information as they should under 609 of the FCRA, but yet they are furnishing and reporting a fraudulent account to third parties. Also, as a consumer I have a right to privacy under the FCRA. Section 602 " Congressional findings and statement of purpose '' [ 15 U.S.C. 1681 ] ( 4 ) states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian and XXXX  is violating my right to privacy plus they are furnishing an inaccurate consumer 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 non-monetary relief
Consumer complaint received 2020-03-31
Company: Experian Information Solutions 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:
Information on m credit does not be long to me.

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 2020-03-31
Company: Experian Information Solutions 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:
I noticed that there is an account from XXXX XXXX XXXX XXXX on my Experian credit report ; The only reason this account was brought to my attention today XX/XX/20 is because I was trying to buy a car at XXXX and when they ran my credit to see if I qualified for the auto loan, I was told that I did not get approved de to this account reflecting badly on my credit. That account is not mine. I never opened it and I did not allow anyone to open it in my name. I do not have any type of contract or agreement with this company nor did I allow them to access my credit file. I did not benefit anything at all from this account. I have already filed a police report and got in contact with that company to make them aware that they are reporting inaccurate/fraudulent information on 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 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XXXX of 2020 I sent TU, XXXX, XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of 2020. I then sent copies of deletion along with ID documents to TU, XXXX, XXXX  through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/2020. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I applied for a Home Loan modification with Bank of America. I completed the trial period and was approved for a permanent modification in XX/XX/XXXX. When I called Bank of Americain XXXX XXXX to make my monthly payment the CSR told me that they would not accept my payment because my house was in foreclosure. I tried for several months calling every week to make a payment or to find out what was going on and no one could give me a straight answer. XXXX person said there was a " glitch '' in the system and that it would be fixed and I could mail in my payment which I did in XXXX XXXX. I thought the problem had been solved until the day I was supposed to make my next monthly payment, I received back in the mail the payment I had made in XXXX XXXX. Still after that I called every month to find out what was going on and no one at Bank of America could tell me. A year later in XXXX XXXX I hired a lawyer from an online website XXXX out of New York. Needless to say the charged me XXXX dollars a month for 8 months ( XXXX XXXX dollars ) and they did nothing! Took my money and never appeared in court on my behalf. I just found out this Law Firm scammed hundreds of consumers and is now filing bankrupt. To make a long story short Finally this year Bank of America was I guess trying to get their act together but too Late for me they said because im too far behind for them to help me and by the way, what happend to my modification was called " DELAYED CONVERSION '' ... ... .Bank of America recently sold my mortgage to XXXX XXXX XXXX. Im trying to go thru the modification process with them but its not looking good for me. There is a strict foreclosure judgement for XXXX XXXX, XXXX. 
Because of Bank of Americas negligence I am going to lose my home..Not Fair! Please please if there is anything anyone can do for please let me know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I came across financial difficulty. When I attempted to lower payments or work out an agreement navient would always push me to deferment or forbidance. They have always reported me late to the credit bureau, charged a TON of interest, and late fees. Was not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: DriveTime
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:
XXXX/Drivetime has been reporting incorrect information on my XXXX  and XXXX  credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/drivetime couldn't even find an account # XXXX with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked bridgcrest/Drivetime on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY DRIVETIME # : XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX. I just received an attempt to collect a debt from CAPITAL ONE. I have never authorized this debt with CAPITAL ONE. I want to formally dispute the lawsuit case # XXXX with the balance of {$6200.00}. I was and am a victim of identity theft because I realized that this account was open by XXXX XXXX XXXX but my name is XXXX XXXX XXXX and I do not know anything about this person. 
I have tried to dispute this ID Theft issue with Capital one, hoping to remove this case .However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America intentionally kept me from being proactive and getting a mortgage modification. I was denied until I went into foreclosure. After that Bank of America sold my mortgage to XXXX loan company.. As I was in negation for a modification from them BOA took me to court to foreclose on the property they sold to XXXX. They sent me a letter after the act asking me to forgive them of prejudice.

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 2017-01-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a XXXX private student loans with Navient. Every month that I make a payment a different amount is paid to the priciple vs the interest. For example if my monthly payment is {$400.00} then only {$50.00} would go to my priciple and the rest to interest and vis versa for the next monthly payment. I 've also tried to get lowered payments with them but they make it extremely difficult to do so. I 've also tried to get my consigner released but a very rude customer service agent told me that they can only be released when I pay off the loan, which makes no sense. They have terrible customer service, despite the fact that I 'm on a payment plan, the first thing they ask when I call them is how would you be paying your past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: National Principal Group, LLC
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has called me since the beginning of XX/XX/XXXX, and continually states on the phone that they are not required to prove that my husband owes the debt. They say, " you have to prove that you don't owe it. '' I have continuously asked for proof of this debt and in writing. I do not know how they got my phone number. The alleged debt is through a payday loan company, taken out with a California address online through XXXX XXXX XXXX and XXXX XXXX and was " turned over to collections in XXXX. '' This is the information they provided me. It is impossible for my husband to have taken this loan out, since he has not lived in California since XXXX. There is also no record of this on my husband 's credit report for the loan ( s ) that they are claiming. There are " two '' companies that have called me about the same " debt '' and they call themselves XXXX and XXXX XXXX XXXX. They " both '' use the same information about the alleged debt that I described above. I suspect that they are the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank refuses to process or check my credit to see if I qualify for a credit card based on a previous account with them which I dont recognize having this is not fair Im a victim Of identity theft

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 2021-08-01
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Macy 's DSNB has committed federal mail fraud pursuant to 18 USC 1341 & 1343 by sending me the consumer/natural person alleged debts requesting me to pay when they knowingly knew that the credit card/social security card provided by the United States of America. The also know that debts are the obligation of the United States pursuant to 8 USC 18 and 31 USC 3123.

18 U.S. Code 1005 - Bank entries, reports and transactions U.S. Code Notes Whoever, being an officer, director, agent or employee of any Federal Reserve bank, member bank, depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or organization operating under section 25 or section 25 ( a ) [ 1 ] of the Federal Reserve Act, without authority from the directors of such bank, branch, agency, or organization or company, issues or puts in circulation any notes of such bank, branch, agency, or organization or company ; or Whoever, without such authority, makes, draws, issues, puts forth, or assigns any certificate of deposit, draft, order, bill of exchange, acceptance, note, debenture, bond, or other obligation, or mortgage, judgment or decree ; or Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or organization with intent to injure or defraud such bank, company, branch, agency, or organization, or any other company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company, branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance Corporation, or any agent or examiner appointed to examine the affairs of such bank, company, branch, agency, or organization, or the Board of Governors of the Federal Reserve System ; or Whoever with intent to defraud the United States or any agency thereof, or any financial institution referred to in this section, participates or shares in or receives ( directly or indirectly ) any money, profit, property, or benefits through any transaction, loan, commission, contract, or any other act of any such financial institution Shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.

As used in this section, the term national bank is synonymous with national banking association ; member bank means and includes any national bank, state bank, or bank or trust company, which has become a member of one of the Federal Reserve banks ; insured bank includes any state bank , banking association , trust company, savings bank, or other

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 2016-05-19
Company: TFC Credit Corporation of California
State: NV
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2015 I contacted TFC Credit Corp in an effort to clean up my credit. They informed me that my collection had been sold to XXXX XXXX, and that in order to take care of the collection with them, I would first need to pay off the debt with XXXX XXXX and subsequently, TFC would delete my collection as well. I was told this on two separate occasions, with several different people who work for TFC. I asked them for something in writing that would guarantee this policy, and they refused to send me anything. So, in XX/XX/2015 I settled with XXXX XXXX, thus taking care of my debt with both collection companies. Several months later, I looked at my credit again, and while XXXX XXXX had deleted my account from my credit report, XXXX still had not. I contacted TFC a few weeks ago to find out why they had not deleted their collection that no longer existed, and they said they could n't help me. I am writing this letter to report that I have paid this debt through the company they sold my debt to, and now I no longer owe TFC. That being said, TFC needs to remove the debt from my credit report as it is now falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged an overdraft fee for XXXX cents really??? That is ridiculous and unnecessary. 
XXXX/XXXX/2016 Show additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... 
activity type bank charge status type icon reconciled Reconciled. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Cleared XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING activity type debit cards status type icon reconciled Reconciled. Select to mark activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING as Cleared 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 monetary relief