BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2019 at XXXX XXXX we received a text from Capital One asking if a {$200.00} purchase at XXXX XXXX in XXXX XXXX was made with card ending XXXX, we replied no. There were two other charges one for {$1200.00} and {$250.00} at the same mall at about the same time. The {$250.00} was deemed legitimate because the card used was used with a chip. 
Card ending XXXX was used by me in our town the same day as the other charges in XXXX XXXX. 
XX/XX/2019 at XXXX XXXX, while in Oregon, we received a text asking if a {$250.00} at a XXXX XXXX in XXXX XXXX was made with card ending XXXX, we replied no. This too has been deemed legitimate by Capital One because a chip card was used. 
Our cards have been duplicated even though Capital One says it's impossible to duplicate credit cards with chips. We have not been to XXXX XXXX in 50 years We have registered this with all three of the credit reporting agencies, filed a police report, paid off the balance and closed our account with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed two separate accounts with Navy Federal, on all three of my credit reports. I have sent Navy Federal and all three credit unions written notification, asking them to send back verification, and the original signature page showing these two accounts belong to me within 30 days. I have submitted these disputes multiple times over the last year and seven months. Navy Federal sold the car loan with out verification right before the retention date whats up and Ive asked the new company to send verification and I havent. The same thing has happened with the credit card that is still on my credit for {$6000.00} and it needs to be removed immediately because I have continuously disputed these accounts with Navy Federal asking for verification and they continuously verify the information through the automatic credit bureau system, and they never send me a signature page, the address it was attached to and a certified verification letter in written form, so I need for these two accounts to be removed from all three of my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Mailed Certified to transunion/XXXX  and XXXX asked for a verify/and or validate this alleged debt owed to XXXX XXXX  also requested the contract and signature that I provided to XXXX XXXX ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt This alleged debt is affecting my life and causing hardship, I am unable to move and on the verge of homelessness. 

Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2019-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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 disputed a fraudulent cc on my credit report and they said it was resolved which is far from the case. I never opened a XXXX XXXX cc in XXXX of 2018 and its showing delinquent on all 3 credit bureaus. I want the cc closed and something done to investigate who opened this cc and I want them prosecuted. Please help me with looking into this. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: CA
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:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions 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 just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XXXX XX/XX/XXXXXXXX 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

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 2023-05-06
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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Harris & Harris, Ltd.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX keeps calling my work phone number to collect a debt that is neither mine nor any of my clients. I have requested removal from the list at least 3 times at this point and informed them that the person they are trying to reach is not associated with my number. I receive calls about twice a month. The last call they made was today, XX/XX/2022 at XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a refinance home equity line of credit to do home repairs. We were told that we qualified and we started the process of getting the loan done. After it came time to try and close this, we were told that because we did a modification a year ago, the guidelines were that you needed to be out of the modification for 2 years. That should have been disclosed before we paid {$490.00} for an appraisal and did repairs that were on the appraisal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions 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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX 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 2023-07-09
Company: Collection Bureau of America Ltd.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a parking ticket in XXXX ... .I paid the tickets that same day online... XX/XX/XXXX... ..then a month after that I received a bill for the ticket in the mail and I assumed now I was in a scam as they were just billed me for another fictitious ticket. I would like to forward all the payment information onto you so you can find out if there's a scam going on or if they never received payment or possibly accounted for in inappropriately. 

Paid ticket on XX/XX/XXXX ... {$50.00} XXXX on my XXXX  Credit Card through XXXX XXXX  ... .was then officially billed {$54.00} on XX/XX/XXXX with rate conversion. Paid XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( EXCHG RATE ) I sent back a response with this information and heard nothing for years, but now they have sent me XXXX or XXXX of these collection notices. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: MD
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:
Experian- Look how inaccurate they are. Very strange they dropped my score XXXX XXXX for NO reason at all!!!!! And still reporting inaccurately. I filed a dispute with yall and the next day less XXXXXXXX XXXX no reason at all or explaining. They still are reporting accounts not open, cards that I was an authorized user in that were closed 8 months ago- they are dropping my score every week no reason at all - please investigate them Im about to file with the court- they have a 2014 Bankruptcy reporting when it was suppose to be off - numerous inquires not authorized. Saying Im over 110 % on a closed card through look at attached. Its ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This XXXX named company, " Mr. Cooper '' has once again tried to generate more funds via a charade on force placed insurance. This go round it is force placed flood insurance. They make if very difficult for one to provide the support they request for existing flood insurance. 
They use a site other than their mortgage site to upload documents to never noting on the main site in an easy location the link to that site. 

Once finally finding the other site, I found they did not have the same loan number showing on the XXXX  " Mr. Cooper '' site as my loan. Finally, getting the loan number to which it is associated. I uploaded documents. It is very difficulty and unclear and they use several upload areas. I uploaded by current flood insurance certificate from my condo insurance coverage in all of the various areas one could upload. 

I have now rec 'd an email that they have force placed flood insurance at over {$800.00}. They take far too much time to manage their horrid and inadequate processes. Rather repairing their issues and making it simple for one to provide documents, they make it as difficult and time consuming as possible so as to enable them to generate unearned and egregiously high fees!!! {$800.00}! REALLY!!! THERE IS NO JUSTIFICATION FOR THIS FEE LEVEL!!!! 

IT IS TIME THESE PEOPLE BE STOPPED FROM ATTEMPTED ROBBERY!!! 

FURTHER, THEY DO NOT PROVIDE A PHONE NUMBER ONE CAN CALL TO EASILY RESPOND TO THEIR OWN LACK OF DOCUMENT TRACKING, BUT RATHER PROVIDE A MAIN NUMBER ONE MUST WADE THROUGH TO GET TO A PERSON WHO THEN CONNECTS ONE TO AN INSURANCE DEPARTMENT THAT IS NOT PROPERLY STAFFED AND ASKS ONE TO LEAVE A MESSAGE!!!

MY LAST EXPERIENCE WITH THIS FIRM OF THEFT WAS THEIR PLACEMENT OF A {$5000.00} COST FOR WALLS IN HO6 INSURANCE!!! THEY HAD VIA AGGRESSIVE MARKETING CONVINCED ME TO REFI TO GAIN A LOWER RATE. I HAD NOT PREVIOUSLY BEEN REQUIRED TO HAVE HO6 INSURANCE AND THE SNUCK IT IT THEREBY ACTUALLY ENDING UP TO INCREASE MY MONTHLY COSTS. I AM NOW SURE THAT WAS NOT BY ACCIDENT, THE REFINANCE LOWER RATE BAIT WAS ONLY A PLOY TO FORCE ME TO PAY THEM FOR FORCE PLACED HO6. THEY THREATENED, LIKE XXXX  XXXX  XXXX  TO FORECLOSE UNLESS I CAUGHED UP THE {$5000.00} WHICH I DID. WHEN I PROVIDED THEM THE HO6 COVERAGE, WHICH ONLY COST {$450.00} FROM AN INSURANCE PROVIDER, THEY RESPONDED THAT IT HAD NOT BEEN COVERED FOR 6 MONTHS AND THEY THEREFORE WERE ENTITLED TO THE {$5000.00}! WHEN I REPORTED THIS TO THE CFPB I GOT NO RESPONSE FROM THEM. UPON LATER CHECKING BACK WITH THE CFPB IT FOUND IT SAID THAT IS HAD BEEN RESOLVED TO WHICH I RESPONDED BY FILING ANOTHER CFPB COMPLAINT THAT IT HAD NOT. THEY FINALLY GOT BACK WITH ME TO SAY THEY HAD PUT THE MONEY IN MY ESCROW ACCOUNT AND " DIDN'T KNOW '' I WOULD WANT THE MONEY BACK!!!! IMAGINE!!! WHO WOULD WANT THEM TO HOLD MY MONEY!!! THESE PEOPLE ACT WITH CRIMINAL MINDS!!! THEY ARE THIEVES!! 

THIS NEEDS TO STOP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The XXXX  XXXX XXXX suddenly closed my bank account on XX/XX/XXXX, i called the bank ask for the reason, but they did not tell, just said that was the final decision and i can not do anything. I have been their customer since XXXX. I don't think i did anything wrong with them.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX has charged off/written off as bad debt and is reporting this on my consumer report! The IRS has classified A CHARGE OFF AS INCOME and INCOME can not be reported on my CONSUMER REPORT i have disputed this with all of the credit agencies and XXXX XXXX  continues to list a charge off on my report i have filed a 1099-a and a 1099-c for this charge off and it was excepted by the IRS so XXXX XXXX is illegally reporting what is considered income on my consumer report THIS IS CAUSING HARM TO MY REPUTATION AND ABILITY TO GAIN ANY KIND OF 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: HOVG, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been dealing with this for months and its a lot of calls that wont stop

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 2019-09-17
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:
Transunion is incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see pages 3 and 4 attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
When I was reviewing my credit report on XXXX XXXX, I noticed on my EQUIFAX report that it had an additional address that I have NEVER lived at before. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not have family/friends that live in or around California and have never been to California until just recently. On my XXXX account, this address does not show. I am not sure how to go about removing this address from my name as this should not be tied to me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo ran my full credit report on XXXX without my consent, or permission. I have not applied or am not applying for any additional credit cards or items this company offers. I had no knowledge of this report being run.

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 2023-12-02
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: Information belongs to someone else

Complaint:
I file a XXXX report for ident theft due to information on my credit report which is in accurate and TransUnion is refusing to delete. Within a XXXX, transUnion responded with a response. Mind you XXXX XXXX up to this point can't provide any proof of the fictions address the gave to the XXXX reporting XXXX. TransUnion didn't require any proof From XXXX XXXX. Please see TransUnion response in the letter I am going to attach. I requested TransUnion to provide me with the Name, Date and time of the person who they spoke with to verify they debt, they still has not provide me with this information.

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