BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, XXXX I subscribed to XXXX XXXX online for a trial month subscription. I was charged a fee of XXXX for XXXX XXXX which was disputed and cancelled with XXXX XXXXXXXX and they said they would cancel the subscription. XXXX said they can not find my account. I have been getting monthly charges up until XXXX XXXX when I finally decided to put a stop payment on my account. I spoke with Bank of America ( BOA ) periodically over the course of the last 2 years but it was usually when my monthly subscription was pending on my account. NEVER once did they give me the option to dispute previous charges from the month or months before to recoup my funds when I called about the pending transaction nor did BOA tell me to stop payment on this charge until I told them to after talking to another banking institution about my situation. BOA just let me incur banking fees if funds where not in my account. I am disputing repaying BOA the XXXX 4 temporary credit which they say " falls outside of timeframe. '' Which is a 60day timeframe. I would not have fallen outside the timeframe if, every time I called when the charge was pending they would have told me my rights as a consumer regarding the previous charges that could have been removed that was reoccurring each month. I feel taken advantage of and uninformed about my rights. Instant checkmate phone number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian they r very disrespectful people, I did dispute collection this is 6 times, I ask them prove to me thet the XXXX XXXX XXXX, they r providing any proves to you, no respond they r very very disrespectful, I did XXXX letter send them proves, XXXX XXXX XXXX XXXX they could n't prove the debt to me, how they prove that to you experian, I talk to them over the phone also I give them tracking number thet XXXX collection agency they received my documents to provide me withe prove no respond from collection for 8and half month, and how come you experian do n't prove to me, I send them letters proves they ignore them, I threatened them withe law sued they start to XXXX XXXX, so that shows you how careless people they r and how they disrespect r constitutional rights

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 2022-07-21
Company: EQUIFAX, INC.
State: CT
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:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$100000.00} ; XXXX XXXX Balance : {$0.00}

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 2019-02-28
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to pay off in full my 6 loans, one by one. They are applying it to the incorrect loan, when I call they tell me they will fix it. Its never fixed, I ask for things in writing before the call is completed. I never get anything in writing. This is negatively affecting my credit score, which is affecting my home buying process. I have perfect credit other than my student loans because Navient has played games with me for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I can not get a mortgage rate quote from a mortgage originator without a credit report. Each credit report counts against my credit rating. This makes it practically impossible to shop around for rates and products.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
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: Their investigation did not fix an error on your report

Complaint:
XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with XXXX at least four times. The first three times XXXX took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to XXXX. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. XXXX still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to XXXX, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Affirm Holdings, 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: Account information incorrect

Complaint:
I wish to report Affirm ; they have reported three times that I have a delinquent account on my XXXX report. My question to them is open your books and show me the accounting that I still owe money to you I can not call you, because your company has no number and how do I get a hold of you besides escalating this false reporting as the FRAUD it is. Open your books me and show me that I owe you any money You have reported three times the SAME thing delinquent account on these dates : XX/XX/21, XX/XX/21, XX/XX/21. I want all of these removed or I will keep this matter on going time and time again. This is FRAUD. And I wish to have my remedy. Last thing Id like to add is that on their website at the footer it says do not sell my info is charging off my account and selling it to another company just that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XXXX I tried to log into my phone to find out someone changed my phone from XXXX  to XXXX so then I tried to log into my American Express prepaid card to find out my password had been changed. Once the rep and I changed my password back my someone had been doing transfers from my reserve account for a period of 4 days. I had no idea i was just in time to stop a {$1400.00} transfer while talking to the rep. I told her that I did not make it. They said I called to say there were fraud going on which I never did then they said someone called the same day and said no fraud Really? How can you say I called and allow someone else to tell you different. It was {$9000.00} dollars in my account for months my income tax for three years and my hard hard earned money from my job. They transferred {$7600.00} and refuse to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: OH
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 'm going through the process of freezing my family 's credit. This is taking time and why I have n't called the agencies yet. My issue is, Ohio has a law allowing us to freeze our minor 's scores : http : XXXX However, XXXX and Equifax do not provide an option to do this. This is contra to our law. I should be able to as the parent without an actual identity theft action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: GA
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Company Inquiries XXXX XXXX/XXXX   XXXXXXXX XXXX XXXXXXXX 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 2015-08-11
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from this company claiming that I owe them money and to my knowledge this company has never provided services to me or for me and I 've never entered into a contractual agreement to pay them for anything

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During XXXX and XXXX I was seeing Doctors at XXXX XXXX affiliated office in XXXX. I was told by my insurance " XXXX XXXX '' that I am covered with just a co-pay. 

At the doctor 's office, the receptionist sometimes would accept my copay and sometimes would not and say I'm okay. Later I received bills and I disputed. However I was still receiving bills. 

in XX/XX/XXXX I was diagnosed with severe XXXX  and XXXX. I still had insurance and was covered with short-term XXXX provided by NY Life insurance . It was an insurance at my work on top of United healthcare. 

In XX/XX/XXXX my XXXX became severe and my mother who is XXXX XXXX XXXX thought if she paid some of my bills I would feel better. My mother convinced my sister to pay some of my bills. At the time the only bills I had was from XXXX XXXX. So we wrote a check to XXXX XXXX for around {$750.00}!!!! And they cashed it and I have the proof. Event hough the charges were bogus. 

On XX/XX/XXXX, I received XXXX letters in the mail by DESIGNED RECEIVABLE SOLUTION. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

On same day, XX/XX/XXXX I sent back the collection notes with my own notes added that charges are bogus. My insurance had paid XXXX XXXX. Furthermore, I am on low income right now and can get approved by XXXX XXXX for their low income program. 

Today on XX/XX/XXXX, I received an email from XXXX. My credit scores has dropped XXXX points!!!!!! 

This is literally will ruin my life because I am about to start a driving school for teens and adults and with low credit scores I can not finance my business and livelihood. But most importantly the CHARGES ARE INVALID! 

And I received no correspondence from the collection agency. So XXXX XXXX can ruin people 's lives by admitting false charges and collection agency can ruin my credit just like that with false charges?! 

Please help me and I think Designed Receivable Solution should have their license to do business revoked. The charge is for over {$200.00} and my credit score was dropped over XXXX points. A score I that I worked all my life to keep at over XXXX. 

I have already disputed this with XXXX too but I can't afford to have this on my record. 

I really appreciate your help. You are doing a great great great work for working class people in this country and you save families. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: National Student Debt Advisory Corp.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX told me they were taking over my loan because I am a XXXX XXXXr in the XXXX repayment program. They told me not to deal with XXXX anymore. I paid them {$700.00} and I do n't have that kind of money. They directly lied to me. They stated they would be managing my loan.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-05
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I reference previous case number : XXXX. My present complaint is against SETERUS , Inc., a loan servicing company, to which the collections on a mortgage loan # XXXX, for property at XXXX XXXX XXXX, XXXX, CA XXXX ( " the Property '' ), was transferred in XX/XX/XXXX. The transfer was done by XXXX XXXX XXXX, XXXX. 
SETERUS has ignored the XXXX XXXX County Superior Court of California 's XXXX/XXXX/XXXX Divorce Dissolution Decree ( Case # XXXX ), in which " the Property '', and all its debts, was awarded to my ex-spouse, XXXX XXXX XXXX. Further SETERUS, has ignored the Court 's XXXX/XXXX/XXXX Order, that " the Property '' be sold. SETERUS has also ignored the Interspousal Transfer Deed, transferring title to XXXX XXXX XXXX XX/XX/XXXX. 
SETERUS continues to post delinquent payments to my credit report, so that I am unable to obtain credit. 
Resolution : That SETERUS, Inc., immediately remove any negative reports made to the Credit Bureaus, using my social security number, name, etc.,. That SETERUS, Inc. obey the Court 's Orders, and cease their harassing behavior toward me ( rude phone calls/notices ). That SETERUS, Inc. pursue the legal owner of " the Property '', XXXX XXXX XXXX, who still resides there. ( I have not resided there for almost three years. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: IL
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:
Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I have made a research on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I have made a research on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-21
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting you because I have nowhere else to turn, I have SPS as my mortgage company and they have been giving me the run around. They are not giving me a fair review even though I have sent them sufficient proof for them to review my loan for a modification. I had submitted a recent application for a loan modification but it came back with a negative result. They denied me because they verified my income to be low. I will be attaching all those documents with my complaint. My gross income is XXXX and my expenses are XXXX, I have a surplus of XXXX. The income that they verified is XXXX, how did they come to this income? I have sent an appeal with them and I know they are going to have me resubmit again, but why? when it was their error, I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: BB&T CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Regional Acceptance '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation