BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX, my newly opened account with Navy Federal was restricted access because someone attempted to change my address multiple times. 

In XX/XX/XXXX, after placing a call to get my account unrestricted, I was told that I needed to send my identity and address verification documents to XXXX. For a month nothing happened. 

In XX/XX/XXXX, after calling the Navy Federal customer service center, I was again told to send my identity and address verification documents to XXXX. Two months went by and my account was still restricted. 

On XX/XX/XXXX, I again called the Navy Federal customer service center and expressed that I have not had access to my account for almost a year. The representative again told me to send my identity and address verification documents to XXXX. The representative waited on the phone until I received a confirmation email that the department had received the documents. The representative said give it a few days. After several days, my account was STILL restricted and I still had no access to it. 

On XX/XX/XXXX, I called the Navy Federal customer service call center again and this time asked to speak to a supervisor. The supervisor told me that unfortunately I was given the incorrect email and department each time I called for the last year and I should have been sending my documents to XXXX. The supervisor waited on the phone until I sent the documents to that email and he also reached out to the appeals department to ensure they received the documents and confirmed that they did. The supervisor advised me that it would take up to 14 business days to review the documents and un-restrict my account.

After a month went by, I called Navy Federal customer service again to check why my account was STILL restricted after doing everything and jumping through all the hoops. The Navy Federal rep said that the security appeals department was backed up and to give them another two weeks. I have called every 2 weeks since then and I get the same response- they received the documents and please give them another 2 weeks. It has now been 3 months since I sent my documents to XXXX and it has been a year since I have had access to my account. 

I just want to access and be able to use my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: CO
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:
***First off this is not a request for any kind of fraud alert or Security Freeze to be put on my report**** DO NOT PUT ANY KIND OF ALERTS OR FREEZES ON MY ACCOUNT. <P/>I have to say this upfront because EXPERIAN is really bad about just putting a freeze on the report as their way of saying they have responded to my request. <P/>The FCRA Specifically says that all credit inquiries must be back by factual truth and proof to show permissible purpose and I am here to say that EXPERIAN is not following the law. They have inquiries on my report that do not show factual proof, truth or permissible purpose and they WILL NOT REMOVE THEM. <P/>I am demanding that the following inquiries be removed from my credit report as you can not produce permissible purposes for them. DO NOT SEND ME A RESPONSE BACK SAYING THEY MUST STAY AS A PART OF FACTURAL RECORD AS WE BOTH KNOW THAT IS A LIE. 1. XXXX ONXX/XX/XXXX I DO NOT HAVE A XXXX ACCOUNT AND THERE IS NO FACTUAL TRUTH OR PERMISSIBLE PURPOSE SHOWING THAT I WAS GRANTED A LINE OF CREDIT WITH THEM. REMOVE THIS IMMEDIATELY. 2. XXXX XXXX XXXX ON XXXX THEY DID NOT RUN MY CREDIT FOR ANYTHING AND I AM DEMANDING THAT THIS INQUIRY BE REMOVED 3. XXXX ON XXXX I HAVE NO IDEA WHO WHIS COMPANY IS AND THIS MUST BE REMOVED IMMEDIATELY AS I DO NOT HAVE ANY ACCOUNTS WITH THEM. 4. XXXX ON XXXX THEY CAN NOT SHOW PERMISSIBLE PURPOSE THEREFORE THIS INQUIRY IS AGAINS THE LAW, REMOVE IT. 5. XXXXXX/XX/XXXX I HAVE NO IDEA WHO THIS COMPANY IS AND I WANT THIS INQUIRY REMOVED AS IT VIOLATES THE LAW REMOVE IT 6. XXXX XXXX XXXX. XXXX I AM DEMANDING THIS BE REMOVED. I NEVER HEARD OF THIS COMPANY, AND I DO NOT REMEMBER ENGAGING THEM FOR CREDIT, THIS IS AGAINS THE LAW SO REMOVE IT. <P/>ONCE AGAIN YOU DO NOT HAVE MY PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY ACCOUNT. YOU ARE THE ONES BREAKING THE LAW SO STOP IT, AND REMOVE THE ABOVE INQUIRIES IMMEIDATELY.

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 2023-01-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting Act this creditor XXXX  XXXX has violated my rights under 15 USC 1681 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: PA
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 wrote Equifax,   XXXX   XXXX   on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all   XXXX    c ompanies and wrote them.nothing is better done, I do n't think its fair that mhy credit score keep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The  XXXX   bill fo r {$1400.00} not off  XXXX   XXXX   XXXX   XXXX   {$490.00},  XXXX  company for  a car lo an {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe  .I be lieve the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: NY
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:
This is my 5th time contacting XXXX and Equifax about violating my consumer rights and reporting late payments on my consumer report in XX/XX/XXXX  for account XXXX XXXX XXXX XXXX 

This is now beginning to affect my livelihood and chances of buying a home. 

Because this is my fifth attempt and I have proof of me contacting both Equifax and XXXX I will seek legal action if the late payment for XX/XX/XXXX XXXX  is not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ocwen Servicing Company LLC   XXXX   XXXX   XXXX   ...   XXXX   XXXX   XXXX   Florida ZIP code   XXXX   XXXX   XXXX   ... has been sending numerous bills claiming to be the servicer for our mortgage ... we have never received any notice from Ocwen we never did any business with Ocwen we have no contract with Ocwen ... they send numerous applications for a new loan ... some of the applications already have loan numbers on it ... their representatives have submitted false documents to the court ie.affadavits ... in support of   XXXX   XXXX   XXXX   companies foreclosure claims ... we have never even done business with   XXXX   XXXX   in any shape form or fashion ... on   XXXX   XXXX   XXXX   XXXX   we were told buy the   XXXX   XXXX   XXXX   that the case will be put on hold as requested by   XXXX   XXXX   pending investigation by the CFPB. Feel free to use our case in any way you like.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The collection company has illegally reported THE SAME ACCOUNT TWICE WITH TWO DIFFERENT OPEN DATES on my report which is against federal laws! 


I have reported that an investigation be done for this collection account under the name of XXXX XXXX XXXX XXXX. I've never had an account with the company nor progressive. I asked the debt to be validated and they failed to do so within 30 days. I sent a copy of that to the 3 major credit reporting agencies and they failed to remove the account and said the account was verified AFTER i sent in all proof of this account being fraudulent. More importantly it is illegal to reage debt and list the same account twice on a report with TWO DIFFERENT OPEN DATES. I HAVE ATTACHED PROOF OF THE CPAMY DOING THIS AND THE 3 MAJOR CREDIT COMPANIES STILL DID NOT REMOVE THIS FRAUDULENT COLLECTION ACCOUNT

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 2023-10-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to get the mortgage off my credit. Sent in a dispute and not getting a response. Call customer service and cant speak to anyone because they say my loan no longer exsists, so can never actually talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: FIRST ADVANTAGE CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
So I had a job offer at a company and they use First Advantage background check company. They submitted the background check on XX/XX/2023. I was supposed to start XX/XX/2023. It is now XX/XX/2023 and still the background check is not complete. The company gave the job to another candidate. I am lucky my current employer let me stay but this cost me a lot of money, a big raise and better benefits. I do not have a record of any kind. I had to pass a very stringent Federal background check to get the job I have now. I have contacted First Advantage but all I get is they are waiting on the courthouse. I checked at the courthouse and they say there is nobody there that does background checks. By reading over reviews it seems that First Advantage is incompetent at doing there job and it has cost not only me but many others have lost jobs because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened the Lowe 's account some years ago and paid the bill as required. Last year account was closed unexpected. I received a call and letter from person in Georgia stating the account was reporting to their credit report. I contacted XXXX and Synchrony Bank and provided SSN and copy of driver 's license and notified them of the error. Neither company has returned an answer to the letters sent to them over the past 3 months and I have been getting harrassing letters from the guy in Georgia who Lowe 's company is reporting on his credit.

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 2023-01-08
Company: EQUIFAX, INC.
State: VA
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 confidentiality under 15 UCS 1681 Account name Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c. 1681 section 602 a right to privacy 15 u.s.c. 1681 section 602 a section 2 also states that a consumer reporting can not furnish account without written instructions 15 u.s.c 1681c. ( a ) ( 5 ) 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 ) Reporting information with actual knowledge of errors 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 2022-12-27
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: Account status incorrect

Complaint:
I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX

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 2023-05-20
Company: Revco Management, LLC
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:
Paid in full but not corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Professional Debt Mediation, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a debt from professional debt med they are constantly reporting on my credit report and I dont know who they are and what they are looking for. I DID NOT GIVE THE PERMISSION TO REPORT ANYTHING ON MY CREDIT REPORT. 
The amount reporting is {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Paycheck Solutions llc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for the loan XX/XX/2023 was paying the amount of {$74.00} back until I went on XXXX XXXX XXXXXXXX with my job which means my pay is cut as well. I reached out via email XX/XX/XXXX from a response of them stating that they needed to hear from me and that they are here to help. I asked what I can do. Unfortunately, they did not offer any sort of assistance and also continue to charge my account in which there is no money in it. I also notice on the contract of a Wage assignment in which they take 15 % of your check and it shows that it is voluntary. I sent a certified letter to revoke this option as this is XXXX XXXX. They do not help if anything they double charge the interest for a {$300.00} loan and you end up paying over XXXX of the whole thing. I've also attached the letter I sent as well as the information stating that the wage assignment can be terminated at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  Calvary Portfolio Services    XXXX   XXXX     XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  Calvary Porfolio Services,  They have made wrong report to my credit report. My original credit is  XXXX   XXXX  account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and Calvary Portfolio recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   There is two reason that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: AES/PHEAA
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: Problem with personal statement of dispute

Complaint:
I asked this Consumer to remove all non reporting accounts since they were consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Netspend Corporation
State: LA
Product: 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:
Woke up today around XXXX XXXX  to my account address being changed and debit card transfers being made without my consent or knowledge. i even locked my card and they still transferred money.i finally was able to change password but it was too late. please help. i need my money back

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 investigated my credit report, I realized that some of the information was erroneous. The TransUnion is required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$53000.00}

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 non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$120.00}

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 non-monetary relief
Consumer complaint received 2023-07-25
Company: CCS Financial Services, 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 information incorrect

Complaint:
Credit Collection Services is currently reporting on all three major consumer reporting bureaus that I owe their company {$230.00}. Reporting started on XX/XX/2023 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation