BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wired transferred XXXX to Navy Federal Credit Union to XXXX XXXX, XXXX to Act. No XXXX, XXXX. No XXXX. Her address is XXXX XXXX XXXX, XXXX, XXXX XXXX. The money was supposed to be for a cruise for the fans of XXXX XXXXXXXX XXXX. I got sent a ticket but it was bogus. I notified both cruise companies listed and confirmed that with them. I filed complaint with FBI an I9 or IC. I noticed my bank who got in contact with Navy Federal Credit Union. Nothing has been done. XXXX XXXX XXXX notified me saying I called back the funds so she was not sending me my money. I asked her for proof that the money was sent back but she refuses. I checked with my bank and nothing. So either Navy Federal Credit Union kept my money or XXXX XXXX did and now she is saying that XXXX XXXX XXXX will contact me. So obviously the manager XXXX XXXX with XXXX XXXX from XXXX  is involved in all of this also. XXXX XXXX XXXX is ex XXXX and shouldn't be that hard to track down. I'm sure the XXXX wouldn't appreciate knowing one of their own is out there scamming people out of their money. The people involved were XXXX XXXX @ XXXX XXXX and XXXX on XXXX both those accounts are linked. Then XXXX XXXX  on XXXX. Also, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX is refusing to give me my money back same with Navy Federal Credit Union. They have no proof that money was returned to me. MY bank can confirm that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX  & XXXX XXXX. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 non-monetary relief
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
It is very simple I had a secured credit card with XXXX ( at that time XXXX ) that was opened in XX/XX/XXXX and it was closed in XX/XX/XXXX after I was unable to make the payments and had discovered a family member had been using it incorrectly, which I did not know for about three months. It was charged off sometime late XXXX or early XXXX, not sure of that exact date. 

Fast forward to XX/XX/XXXX, my Transunion ( only TU ) began reporting the account status as open out of nowhere, I have no clue why or what happened of course I then began a course of disputes with TU and arguing with them because I assumed maybe it was a glitch with there system, then after getting no where with them and every time XXXX confirming the accuracy of the reporting, I began hunting down who to contact at XXXX since I no longer had the full account number any longer or where to begin, finally I was able to get through on some 800 phone number and the rude agent reluctantly gave me my full account number and this email as the ONLY way to contact the dept that handles these matters, XXXX! I began communicating on XX/XX/XXXX and was assured it would be sent over to the dept that handles the credit reporting and fixed, I have contacted them multiple times and still no action/response, and of course you will see with the documents I attached they were careful to encrypt their responses so I am unable to supply copies of that! 

This account is reporting 4062 % credit usage on my XXXX, I am trying desperately to correct my irresponsibility and to carefully watch my credit on a go forward as to correct bad ways and improve my status '! 

CAN SOMEONE PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: RentDebt Automated Collections, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for an apartment and was denied so I checked my consumer report and discovered that Rent debt is reporting a debt that not only does not belong to me but is beyond the statute of limitations for debt collection in the state of Texas pursuant to Title 5 chapter 392 of Texas finance code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Everytime I try to dispute online with equifax for anything incorrect, the online dispute through equifax says you cant dispute online, please call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: States Recovery Systems, 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: Investigation took more than 30 days

Complaint:
XXXX Account Dispute # XXXX filed with XXXX on XX/XX/18 for STATES RECOVERY SYSTEM XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Estimated completion date XX/XX/2018. A request for proof of debt to include a complete breakdown of account number, money owed and details for all debt were requested. Dispute results became available on XX/XX/18 showing balance due of {$540.00} but no information for me to claim or correct this debt. Unsuccessful attempt to pay this debt was made on XX/XX/18 resulting in being referred back to the XXXX of XXXX to obtain proof that this debt is valid. States recovery system will collect my money but can not prove to me that this debt belongs to me. This debt clearly does not belong to me and it is now past the 30 days required for them to provide me with this information. I am requesting that this debt be cleared and removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Atlanticus Services Corporation
State: RI
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Capital one line of credit issue : I have a capital one line of credit for 20 years and recently, during the Covid19 pandemic, they decided to discontinue the account for no reason. They also raise interest and auto deduct the monthly charges out of my checking. 

I have been contacting the bank for entire year to at least start sending me a monthly statement so that I know what I am paying in principle and interest. This way, as a customer, I can keep an eye on things. 

Unfortunately, they won't submit any statements and when I log in to my online, there is nothing to tell me how much I have paid each month or what the interest rate is? 

Basically, I am just sitting here at the mercy of the bank with no information. Other than an auto deduction that they auto deduct from my checking to go to the line of credit, I see nothing else. 

Is this kind of hidden in the dark billing service from a top 10 bank legal under Finra and FDIC rules?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquires on my credit report that I would like removed. 
XXXX : CAPITALONE - Bank Credit Cards XX/XX/23. 

XXXX : CAP ONE NA - Bank Credit Cards XX/XX/23. 
XXXX XXXX XXXX - Commercial Banks XX/XX/23. 

XXXX : CAPITAL ONE - Bank Credit Cards XX/XX/23. 
XXXX XXXX XXXX  Commercial Banks XX/XX/23.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Specifically applied for a card that offers balance transfer with Capital One and after reaching out 2 times, they told me that the offer wasn't available and there was nothing they could do about the offer and that I could file a complaint. I find this so wrong since the initial offer says that it includes Balance Transfer. 

This is what the letter says : CAPITAL ONE APPLICATION TERMS Interest Rates and Interest Charges Annual Percentage Rate ( APR ) for Purchases and Transfers 0 % introductory APR for the first 15 months that your account is open. 
After that, your APR will be 17.99 %, 23.99 % or 27.99 %, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX calls my phone every other day i tell them im at work they still call, i ask for debt validation and the representatives dont understand, they call me even when accounts are in dispute, they call and hang up when you call back its them, none of the three bureau 's trans union XXXX XXXXXXXX XXXX  are correctly investigating these charge off 's and collections, i pay % XXXX apr on car i couldnt get a house im a single father, i could apply for a home loan cause of this, and now the market has doubled, i need compensation, XXXX for violations and i need {$100000.00} from each credit bureau and all collections and charge offs removed, i lost the opportunity to do so many things in life im XXXX no house just because no one is actually checking these accounts, i live XXXX  i coulda had a house if these bureaus did due diligence

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 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert today that a hard inquiry appeared on my XXXX credit report. 

The company that shows a hard inquiry is : XXXX XXXX XXXX XXXX XXXX, WI XXXX I called the number of the company showing on my XXXX credit report to ask them to send a letter retracting the hard inquiry because I DID NOT APPLY FOR ANY CREDIT CARD FROM THEM. They told me they had no record of it and refused to send the letter. 


I have since put a freeze and a fraud alert on my credit to prevent any further activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX   XXXX XXXX XXXX XXXX, GEORGIA XXXX EXPERIAN XXXX XXXX   XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of XXXX that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and XXXX and other third party verification is not sufficient. Credit Report Bureaus including XXXX could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves XXXX never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted XXXX XXXX XXXX about 16 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My coworker received a voice mail on his personal cell phone for me and emailed it to me. The name given was " XXXX XXXX '' XXXX ext XXXX. I first googled the number and saw it was PDM Debt ManagemenXXXX in XXXX, FL. So, I called the number and received " XXXX XXXX ''. He was immediately aggressive with me. I told them to not call my coworkers personal phone numbers. And, how did they even obtain it? That I know the law and my rights. He raised his voice at me and said you don't know anything about the law. When I again said you have no right to contact people I work with on their personal cell he hung up on me. I don't even know why they are contacting me or even how they got my coworkers personal contact information. But, they have been calling my phone number from different numbers repeatedly for a couple of months now that show PDM on the caller ID. I block one number and get a call a few minutes later that shows PDM on caller ID. Then I get repeated calls from numbers I don't recognize from my area code within a few minutes that don't leave messages. I don't return the calls because I get all kinds of spam calls since I've had this phone number for many years and use it for work and personal use. I have not received any debt collection attempts via US Mail so I have no clue what this is even about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDept Of ED XXXX XXXX XXXX  has violated my rights. 
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 a account without my written instructions 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 ) ( 1 ) 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.

Chapters VIEW ALL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted a complaint to XXXX XXXX XXXX a few months ago regarding an outstanding debt. They understand I want to resolve the debt, however I would also like to remove the derogatory mark that is left by them on my credit report. I was extremely young when I was given a credit card. I did not understand how to manage my own expenses. Let alone a credit card. I want to work with midland to resolve this so I can finally start to establish credit. I now realize how important credit is to have. I now know that I must use credit to earn credit and I am stuck. 

I started out bad, because of this I am now doing bad. But I want to change that. Can you please help? I am willing to start paying this off to resolve this. I want it removed completely if possible. I want a new start. I want a good life. Not a life where I am being harassed every single hour to pay back. 

Thank you! 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My bestfriend at the time, Used my name on an apartment without my consent, being, she had all my information inside of a computer I knew nothing about, I wasnt aware of the debt until she moved out one day and i received fees to my mailbox. I contacted her and she said she was going to pay to break the lease but never did and it ended up resulting in an eviction. I was living in XXXX XXXX XXXX at the time of this incident. Ive never lived in XXXX XXXX

Company response to consumer: Closed with explanation