BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: PENTAGON FEDERAL CREDIT UNION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a vehicle loan with Pentagon Federal. I refinanced with lower interest rate with another credit union. The new bank sent the payoff to the Pentagon. On XX/XX/2022, Pentagon signed for the payoff. I received email that I was going to be turned into collections for not making my vehicle payment on XX/XX/2022. I called and was told that I had 5 days to either make a payment of clear up the problem. I finally got confirmation that Pentagon had the payoff the entire time. I was told the mail room was behind on XX/XX/2022, and that they would just put me in for a skip payment so there would be no issues with late payment concerns or dents to my credit. I shared my credit is excellent and I do not want it to be dinged due to their incompetence. I was told there was nothing to worry about. Today is XX/XX/2022. I received another email that my loan is delinquent. I called they are still behind in the mail room. They have my payoff they signed for on XX/XX/2022 ; have no idea when they will get to it but when they do if affects my credit they will call the creditors and let them know that I am not at fault. My credit will then be fixed within 30-90 days. So unacceptable! I had to report an employee that forgot to put me on hold, and mocked me when I spoke and states " blah, blah, blah, blah ''. When I said excuse me, did your forget to hit mute because I just heard every bit of your mocking me. She replied " oh sorry ''. Now my credit has been dinged XXXX  points. It was excellent prior to this. Everytime I call Pentagon Fed they hang up on me, give me excuses that they mail room is behind and now they are saying I owe them {XXXX} in interest that grew in the 30 days they had the payoff. That is ridiculous. I am not paying anything. They had the payoff 30 days ago, it should not have grew any interest! It should have been paid off the day you received the check! Please help! 

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 monetary relief
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: AZ
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:
Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. 

PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NV
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 accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX/DEPT OF ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX  Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/2022 XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 15 U.S.C 1681 section 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 an account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called TransUnion on XX/XX/2023, on or around XXXX XXXX XXXX. I called ( XXXX ) XXXX and spoke to an agent who identified as XXXX. The dispute agent was located in the XXXX. The agent said he was going to disconnect the call because I had an attitude. XXXX ended up disconnecting the phone. This prevented me from filing a dispute, violating the federal FCRA and relevant state laws. I never used any profanity. I did not make any jokes or threats. I was not unprofessional. XXXX behavior by disconnecting the phone was inappropriate. This reflects poorly upon TransUnion.

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 2021-10-18
Company: EQUIFAX, INC.
State: SC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have XXXX accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these XXXX accounts as late in XXXX of XXXX despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed XXXX YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in XXXX when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX ... I attempted to contact XXXXXXXX XXXX  regarding the charged-off account with them. I was told by 2 representatives and 1 supervisor that 1- my account wasn't charged off ; after argument, they agreed that yes it was sold off, the first collection agency they sold it to charged it off themselves and it came back to them. Since then, they have sold it to another collection agency. On my credit report ; it shows that TransUnion and XXXX are the only ones reporting this charge-off. My dispute with XXXX was successful in removing this item. The opening date for the account reported by Transunion is XX/XX/XXXX. In contrast, the opening date for the exact same account reported by XXXX is XX/XX/XXXX. As well, the last reported dates differ on both of the credit reports. The date of last reported, last active, and last payment. Due to numerous errors, I am requesting this account be removed from my credit reports with Transunion and XXXX per FCRA 15 USC1681 eb regarding the reporting information must be 100 % accurate.

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 2020-12-29
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry Portfolio has a collection of {$1800.00} on my report which has been disputed. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: FIRST PORTFOLIO SERVICING INC
State: FL
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:
I had a card from XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I reported fraudulent charges on my card and submitted all the information to the company and requested the account be cancelled and the charges removed. which they agreed to do. 3 months later a bill for the same card comes with late charges and more fraud charges on it, and was reported over 30days late to the credit bureau damaging my score dropping about XXXX points causing declined applications at a critical time trying to get an equity loan on my house. The account should have been closed. Now to make it worse I just another bill on a replacement card number they issued, that I did not request and they transferred the fraud charges to the new card number which was never received or activated by me. And they are getting ready to slap another late charge on my credit. I waited on hold over 2 hours in XX/XX/2022 to speak with a supervisor that assured me everything was taken care of. I sent another Fax today XXXX XXXX with the statement of the replacement card which I never requested or rec 'd showing a balance of {$110.00}. This is just FRAUD over and over again from this company. Possibly thinking people will just pay it to keep from damaging their credit because they do not send any notifications, or calls about late amounts due like other companies due. It is so hard to get ahold of this company and they don't do what they say they are going to do, or cancel cards with fraud charges, and issue cards in your name without authorization and apply charges that you did not charge ... I can't put a number on the pain and frustration they have caused me. Feel they should pay me a monetary amount for damages of at least {$10000.00} or be fined much more by CFBP for their actions. At the least cancel all cards, and trade lines with my name on them, and confirm this in writing. with a check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Netspend Corporation
State: GA
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:
I have contacted NetSpend concerning the following transactions that I did not make. It is clear that the transactions were duplicated and Netspend declined my dispute. Either my card had been cloned or someone has tampered with my statements to move the money into there account. 
XXXX ATM XXXX XXXX XXXX XXXX {$60.00} XXXX AtM XXXX XXXX XXXX XXXX {$60.00} XXXX AtM XXXX XXXX XXXX {$60.00} XXXX AtM XXXX XXXX XXXX {$60.00} XXXX ATM XXXX XXXX XXXX {$60.00} XXXX ATM XXXX XXXX XXXX {$60.00}

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 2021-10-19
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX A on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: STATE FARM BANK, FSB
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
2 Years ago, after settling with modification. Agreement was made to pay XXXX per month instead of {$850.00}. This month the loan got sold or transferred to another provider, with out us knowing. The amount We paid in a two year period was never applied to balance. This bank deceived me into paying XXXX knowing they would sell their note to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I used a service called XXXX through my banking institution Capital One. I sent money to my business partner who I know. The amount was {$2500.00}. The money was supposed to be delivered within 3-5 business days. As of today, XX/XX/XXXX, it has not been delivered. I filed a claim with Capital One but it was closed and denied 2 business days later. I called Capital One for more thorough investigation but they would not help. They sent me to XXXX. I contacted XXXX but they dont provide any support if I didnt use them directly. I used XXXX as a service with my bank. I have a confirmation code of sending the money which is XXXX. Ironically I sent the same money to the same person 6 days earlier and that was delivered. There is a known XXXX fraud when people send money to people they dont know. But I do know the person I sent the money to. The money is missing. {$2500.00} This is a new complaint as my previous one ( XXXX ) was closed. Capital One response said the money was deposited to the recipient 's checking account. It was not. This time I attach copies of statements for that period. There is a desposit of {$2500.00} but it was a different payment on a different date which went through no problem. As you can see, {$2500.00} for payment sent on XX/XX/XXXX was never received. 

I need a refund now. I am using this way of solving the issue for the last time and I will seek legal actions if no resolution is offered. This is unacceptable. Maybe XXXX lost the money but I used Capital One to send it and it was not delivered. Sort it out with XXXX bank. I am not a XXXX customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: The Outsource Group, Inc
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was injured in a fall while out of town in a tourist trap in XXXX WI called the Wisconsin XXXX where i hurt my shoulder : I went to what I was told to be an Emergency Room, XXXXXXXX XXXX XXXX for treatment, and was released ; When I was billed i was informed that iit was Associated with XXXX XXXX XXXX and was charged XXXX because the facility was coded as an Urgent Care facility and not an Emergency Room. My insurance carrier would not cover some costs because it was an Urgent Care to an Emergency that i was lead to believe it was and would have been covered by my medical insurance : It turns out that iwas only an Emergency room after XXXX PM at night and I went they a XXXX PM ; Nowhere was this posted or told to me : I protested the charges on the phone and in writing many times XXXX XXXX XXXX XXXX ignored my requests and sold the debt to MEDICREDIT XXXX FOR COLLECTION ; i ALSO CALLED, WROTE AND DISPUTED THE CHARGES WHICH WERE IGNORED AND SUBSEQUENTLY REPORTED As BAD DEBT COLLECTION ON MY CREDIT REPORTS ; i requested the Credit Reporting agencies to investigate and remove the derogatory information on XX/XX/XXXX, They ( XXXX ) claimed they investigated but appears to only validated what the collection company reported with the collection company and the bad debt remains on my credit repair until XXXX. This debt was never justified, never past due and never paid, yet the mark on my credit report claims it was paid and was in collections impacting my credit score : While only a small debt, it clearly points to just how the debtors and collection companies are using their power and illegally weaponizing credit collections by reporting in violations of the Federal Credit Reporting Act. It is requested the CFPB fully investigate the practices of XXXX XXXX XXXX XXXX XXXX WI and the MediCredit XXXX of Maryland for violations and abuses of the credit debt collection and reporting processes : Furthermore, It also requested that the CFBB reevaluate the practices of the credit reporting bureaus with regards to just how they are conducting so-called " Consumer Invnenstigations : '' Its not much of an invention is if al thy do is contact he reported violated and parrot back their response, in fact, it more like a shame investigation. there must be sever consequences for comapnies that abuse their power, destry peopel reputations, and ignore the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
BOA maliciously denied my online access to my mortgage account messages, statements and all other documents for my mortgage loan number XXXX with no explanation, all that occurred by design as BOA always on weekends, to intentionally induce XXXX and fear for no reason other then to intimidate customers. 
I have been denied modification and I am in the process of getting my XXXX XXXX XXXXXXXX XXXX approved to pay the balance due, XXXX XXXX XXXXXXXX program analyst called and spoke with BOA to let them know about the pending approval application. 
my Mortgage loan number is 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 2023-02-21
Company: EQUIFAX, INC.
State: NM
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation