BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of Identity fraud. I had to sue a Chief of Police in Minnesota because he was accessing my personal information for over 30+ years, and giving it to his drinking buddy to harass me, impersonate me, threaten me, assault me, open accounts in my name, and sent others to try to kill me in Minnesota ( also ) Colorado after I settled the Lawsuit in U.S. Federal District Court in Minnesota XXXX I was contacted by XXXX XXXX  about a debt I have no knowledge of when I lived in Colorado. I had to moved to Nebraska after I had been assaulted, and almost killed in Colorado. I was contacted over and over again by XXXX XXXX. I had changed my phone number, but they keep calling me over and over again. I was contacted by a law firm which took me to court about the debt. I went to court. The law firm didn't show, and the case was dismissed. The law firm again sued me, and again they didn't show up, so the judge again dismissed the case. The account was removed from my credit report, however, after the court case was dismissed it was added again back to my credit report. I had contacted the debt collection agency via email, and I had submitted a complaint on them for harassment. I sent them the links to my District Court Federal Lawsuit, my account information, and to stop harassing me. They have continued to call me at all hours of the day. I keep blocking their robot-calls as they mask it as coming from a local phone number in Nebraska. I kept blocking them, yet they continued to call my phone. I went to recheck my credit report, and see they relisted the debt again even after I sent the information of the Federal Lawsuit in Minnesota. I have filed dispute 's on XXXX XXXX XXXX XXXXXXXX XXXX. Online the accounts have been removed, or are on/under investigation, yet XXXX XXXX has a glitch on the site that will not allow me to dispute this account. I called all 3 credit report agencies to secure my account, fix all the false information that was recorded or placed under my name, social security number, etc. I am trying to repair my credit score back to the high XXXX 's it was, but XXXX XXXX keeps adding the account which keeps lowing my score over and over again by XXXX points or more. I keep being denied credit because of this bank and Portfolio Recovery XXXX XXXX as they keep renewing the account as active or unpaid. I can not repair my credit if this company keeps harassing me, and keeps adding the account after I have it remove or disputed, and they are not answering my emails on my past ( and ) current Lawsuit 's or the information I submitted about being harassed over and over again by them. The Chief of Police I sued still have all my past and current information ( including ) my Legal name change in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Formal Complaint against TransUnion and Request for Compensation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion regarding the accuracy of information on my credit report, specifically concerning derogatory accounts and inquiries. The accounts and inquiries in question are as follows : **Derogatory Accounts : 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 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 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  These derogatory accounts and inquiries have caused severe hardship, and I am concerned about the accuracy of the investigation process conducted by TransUnion. I refer to the findings outlined in 15 U.S. Code 1681 and believe that TransUnion may not have adhered to fair and equitable procedures as required by law. 

Furthermore, the recent CFPB article expressing concerns about TransUnion 's handling of consumer disputes raises additional doubts about the validity of the reported information. 

I am also seeking fair compensation of {$1000.00} per violation for the significant hardships I have endured due to the inaccuracies in my credit report, in accordance with applicable laws and regulations. I request a thorough examination of the damages incurred and appropriate restitution. 

I request a thorough investigation into the methods used to validate the accuracy of the aforementioned derogatory accounts and inquiries and details on how TransUnion ensured compliance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2018-08-31
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I bought my house in XX/XX/2005 with a VA home loan for a 30 year mortgage. My wife usually handles the house payments but recently I looked at one of the statements to see how much we have paid down on the mortgage since we have been here for almost have the 30 yr term. When I looked at it I noticed that they had down on the statement that we had a 40 yr mortgage. I told them this was wrong and that I wanted a complete copy of all paperwork involved in this. By law, VA home loans are only authorized for 30 yr mortgages and Wells Fargo is in violation of this. I never recieved any paperwork from them and to this day have still not recieved any explanation to this.

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 2023-12-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to file a formal complaint against Navy Federal Credit Union for their persistent and intrusive communication practices. The excessive calls have become overwhelming and have created a significant disruption in my daily life. I believe these actions XXXX be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations. 


Navy Federal Credit Union has been making incessant calls to my phone every day, often multiple times a day. Despite explaining my situation, the calls persist. 

I have spoken with representatives from Navy Federal Credit Union and explained that, due to my current financial situation, I am unable to make payments at this time. 
The continuous and frequent calls have become excessive, causing unnecessary stress and anxiety. 

I believe Navy Federal Credit Union 's actions XXXX violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant federal and state laws. The FDCPA prohibits debt XXXX from engaging in abusive practices, including excessive and harassing phone calls. 

I have taken the following steps to address this issue directly with Navy Federal Credit Union : I have spoken with representatives, explaining my financial situation and expressing my inability to make payments at this time. 
Despite these conversations, the persistent calls continue unabated. 

I urgently request the CFPB 's assistance in addressing this matter promptly. My desired resolution includes : Navy Federal Credit Union should immediately cease all communication with me, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and any other relevant federal or state laws. 

An acknowledgment from Navy Federal Credit Union of my current financial hardship and a commitment to work towards a reasonable solution. 

Implement measures to prevent Navy Federal Credit Union from engaging in similar harassment in the future, ensuring compliance with applicable laws and regulations. 

I believe these actions would constitute a fair resolution to this matter and bring it to a satisfactory conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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 2023-01-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently received a copy of my ( XXXX and TransUnion ) consumer credit report, and I noticed some late payments posted on my consumer credit report : XXXX XXXX accounts with late payments along with their account numbers XXXX. XXXX Of previously deleted FRAUDULENT Inaccurate/invalidated account. 

XXXX XXXX, XXXX and TransUnion is in the clear violation of the law. Under 15USC 1681- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include -- -- ( A ) Subject to section 1681s-3 of this title, any -- -- ( i ) report containing information solely as to transactions experiences between the consumer and the person making the report. 

I demand XXXX XXXX to delete the account from my consumer credit report or I will seek litigation. XXXX XXXX is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above references account, and send a copy of my report after the changes have been made will result in legal actions bring taken against your XXXX XXXX, XXXX and TransUnion, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692 violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 USC 1681n ]. 

I demand you to delete this account from my consumer credit report or I will seek litigation.

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 2023-11-29
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Tried to apply for a Heloc with Mr Cooper and was denied an application. I was advised of several " missed '' or " late '' payments. I denied this as my XXXX credit reporting companies do not show this. I have made all, that I can recall, payments inside the month that they were due, directly on the company website. I have some screen shots. I have also spoken to customer service who assured me, if I was getting close to the end of the month, that if made INSIDE the due month, it would not have negative consequences. Turns out, not true. They have based their response on when they actually process the payment. These we electronic, same day with confirmation of receipt of payment and no warning that it wasn't valid. 
On XX/XX/XXXX this year, their system was shut down. No payments could go in, phone or online. I have screenshots and phone records that I tried to pay and an email from them that assured me that I would not face consequence of a late XXXX payment. They have just informed me that their system was not down until XX/XX/XXXX. That is a total Lie. I have the screen shots to prove it. I am current with ALL of my mortgage payments to Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: SANTANDER HOLDINGS USA, INC.
State: TN
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 a copy of my credit reports, and I notice there are unauthorized credit inquiries made by CHRYSLER CAPITAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hello, I was given an amex gift card as a donation from a family, I am currently a XXXX XXXX XXXXXXXX XXXX XXXX. This card was addressed " for XXXX XXXX XXXX ''. 

I spent money from this gift card on school supplies. 
Someone committed fraud and theft with my card and spent {$750.00}, wiping my account. The inital amount was {$2000.00} and I had spent around XXXX this year. 

I always had this card on my person. I called the XXXX number on the back of the card. I talked to 2 different representatives and they both quoted me different balances. Initially I had seen a {$0.00} balance, but the next day I saw that it had {$50.00}. I called and the CSR quoted me {$50.00} and said she wanted to lock my account. She said she would send me the {$50.00} but didn't even get my address info. She said I needed to call merchants but locked me out of seeing the transactions. After calling back, I had a different CSR who said he could email my transactions so he took my email, address and phone number. I was given a case #. I've lost a lot of money that was donated for my students. I don't know whether I'll get the list by email or if any help at all. They need to care about their customers and make cards more secure. Someone is stealing gift cards in store or at Amex. Someone needs to care. CSRs should be all giving me the same information not confusing me more. I have attached a screenshot I took yesterday before my account was locked, it sounds like more activities happened and I want an updated transaction list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023, I contacted the XXXX fraud department to request a letter stating that I have continuously been a victim of identity theft. I had an office visit with the Department of Social Security Administration and they requested a letter on XXXX letterhead stating this information. After being on hold for 45 minutes, I was transferred to department after department. I explained that I am a victim of XXXX  XXXX and my attacker continues to find me through my social security number and date of birth due to him taking my purse from me during the altercation. The Department of Social Security Administration stated, " If I could obtain all documents from each credit bureau that I would be able to receive a new social security number. '' I have given years of copies of disputes from each credit bureau showing this information. When I called, I calmly explained the situation and I was told that they could only send me a copy of my credit report. I asked for a manager and was transferred to someone by the name of XXXX claiming to be a manager and simply restated the exact same thing as the previous four people. If something was to happen to me that I would leave a written statement for the public, and all parties involved after numerous attempts to protect my life were bypassed because of a letter.

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 2023-03-06
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit Acceptance is reporting an inaccurate negative autoload on my credit reports that I have been disputing with them for quite some time. Credit Acceptance is verifying inconsistent and inaccurate information regarding this debt. 

This account is being verified that there is a monthly payment of {$0.00}, however there are multiple late payments reporting. How can they report this account late if there is no monthly payment due? 

They are also verifying inconsistent last payment and activity dates with each bureau. It is illegal for a consumer reporting agency to verify and report inaccurate information on a consumers report. 

Their inaccurate reporting has caused me to get denied and a lot of distress as I have been disputing this inaccurate account and I am not able to get any resolution when they are clearly in violation of the FCRA. I am demanding that this account is deleted from my reports now!

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 2023-08-12
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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