BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
As per my previous letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have diligently submitted supporting documentation ( including my bank statements dated XXXX of total payments made in full ) to substantiate the discrepancies found on my credit report. Regrettably, the bureau 's responses have consistently claimed that the information has been verified as accurate, without providing any proof of who and how they verified the information or the representative 's response in writing, as I have repeatedly requested in the past XXXX letters. I've waited XXXX months since the date of my last request ( XX/XX/XXXX ) for a reinvestigation response and written notice and no reply was given in writing. 

The bureau is reporting the following inaccurate, unfair, unduly, incomplete, obsolete, and erroneous information on my credit report and MUST be DELETED due to repeated inconsistent and inaccurate information being reported. # 1 : Inaccurate Balance and Terms Reflected ; # 2 : Multiple monthly " Charge Offs '' CAN NOT be reported for a single Charged Off account. 

The bureau is in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) failed to promptly update and correct information furnished to CRAs and determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s2 ( a ) ( 2 ), 623 ( a ) ( 5 ) of the FCRA, and15 U.S.C. 1681s2 ( a ) ( 5 ) ; and the bureau failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565. 

I've reiterated my rights as a consumer under the FCRA : 1. The right to have accurate and up-to-date information reported by your agency. 
2. The right to removal of disputed inaccuracies and errors on my credit report.

3. The right to a thorough and fair investigation of my disputes.

4. The right to add a statement to my credit file, which I have requested repeatedly. 

I have requested, in writing, further details of the reinvestigation on several different occasions from them, with no proper response, if any, acknowledging or providing the requested information in writing from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: NEW YORK COMMUNITY BANCORP INC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During COVID, my husband lost his job. Flagstar offered several types of assistance. We agreed to do a process where the loan payments were put on hold and then put on the back of the loan once we were able to make payments again. During the process, we called Flagstar several times and asked numerous questions including what the negative consequences were if we were to go through this process. We were told over and over that there was nothing negative. We recently received a letter from HUD explaining that we have a lien and 2nd mortgage on our home. This was NEVER once explained to us. We just spoke with Flagstar and they said it was not their responsibility to tell us this information, even though we asked numerous times what the negative outcomes were. We are now unable to apply to have the PMI removed even though we would likely qualify for that now which would lower our mortgage payments by over {$200.00} per month.

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 2023-09-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
In the year 2020, I deposited and opened up a bank account with Navy Federal Credit Union on XXXX XXXX in XXXX XXXX, CA XXXX. After only a few months, I reviewed my own documentation of banking accounts noticed that there was transfers and releases that were made to and from the checking savings and market account. They all of a sudden denied all communication and froze all the access with my accounts and money. They did not allow me to access anything with my accounts or communications. They put a bank check aside for me for {$110000.00} after closing and holding the rest of my money. There was an additional {$120000.00} that was still on my account and its proven that there is a check released but I never received the check. Im tired of going through this and I need someones assistance. All I need to know is who that check went to. When I went into the branch the manager was there, one of them and the day after that when I went to check again, she quit on the spot and as far as I know left outside of the US. The other XXXX XXXX XXXX, I was informed to switch to branches, so they froze my account and they put all this money extra money into the investment account. Theres a substantial amount of withdrawals, transfers, and proceedings with my money that I did not allow authorize and I have proof of this. Ive been working on it for years and I cant get no assistance. Ive been illegally frauded by the individuals of this bank And if they are not cited, the bank should be held responsible. There is proof that I got the {$110000.00} but theres still a {$120000.00} that needs to be found because I did not authorize that. Why would I give these individuals that much money of mine when I dont even know them, and they criminalizing me and victimize me in my life That still needs urgent notice and prompt awareness and proceedings illegally fraudulently Ive been scammed XXXX XXXX, taking vulnerability from me and theres so much at stake here and I still cant I get help. I keep submitting these references to you guys because its going nowhere please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This started sometime last year with a phone call and leaving voice mal messages for me to call them back regarding this debt. Then it escalated to sending out a letter asking me to acknowledge the debt. I called the company on Wednesday, XX/XX/XXXX and spoke to a representative and told them I do NOT know about this account and I will NOT back a debt that I wasn't familiar with and very very old. The rep had no clue on how to address the matter. They tell you to call, write or email them about the debt. When I called the rep wasn't helpful at all. I told her that I wouldn't pay and that we can go the court. I also went on to explain that I would send something in writing regarding this debt and that's exactly what I did about 2 and half weeks ago. I sent them a letter telling explaining that I wasn't responsible for this account and that I would not own the debt. I also once again, told them that I would like to go to court and handle this matter but until then, I would not pay a cent. I received another letter on Wednesday, XX/XX/XXXX regarding the same matter, after I sent a letter. I did not open a checking account, savings account or credit card with this company back in XXXX. I will not be responsible for this debt and would like to proceed legally if I have to. The first letter I received from them did threaten to take actions on my funds it I didn't pay or could ruin my credit. I'm sick and tired of having to make weekly or monthly claims to CFPB or FTC. It's f*ing with my mental health and it's highly stressing me out. Especially when I 1000 % am sure that this is not something I took part in. I don't have no idea what this company is and what is pertains to. Is it a bank for checking/savings? Is it a credit card company? Is it both? They will not share this information with me and I even asked them to. Either they see me in court or leave me the XXXX  a lone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX - I deposited a {$6000.00} CASHIER 'S check issued by XXXX XXXXXXXX XXXX to my joint account to cover a charge from the IRS. 
XXXX deposit XX/XX/XXXX - No deposit XX/XX/XXXX - I called USAA to see what was holding up my deposit and was told it was a SYSTEM issue that could not be over-ridden. I escalated the call to their Problem Resolution team and spoke with XXXX. He said he would have this assigned to a person on his team to look into. No name or callback number was provided. I asked that he have the person working this to call me back by end of day today to provide an update. He agreed to that. 
The problem here is lack of personal engagement on the part of USAA. No person has looked at this check to see that it is a CASHIER 'S CHECK ; IT IS LIKE CASH. {$6000.00} is less than the {$10000.00} TSR requirement. 
Has AI taken over USAA? If a person there would look at this, they would see that the account has an outstanding charge from the IRS that this deposit would cover. AI is not very intelligent and I am disappointed and enraged by their inaction. It's absurd!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: Information belongs to someone else

Complaint:
There is a note on my report that I am a victim of identity theft and yet I receive several collection calls and letters from agencies threatening to pursue legal action for accounts appearing on my report that should not be there.

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 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023 a fence contractor XXXX XXXX of XXXX asked me to XXXX him {$3500.00}. The payment options were XXXX or cash to obtain village permit and materials before beginning the construction. I thought the bank would protect me from fraud or fight the other bank on my behalf to get my money back especially if there was a scammer and fraud involved. They have not even tried. My bank ( Bank of America ) said there is nothing they can do but as his bank ( XXXX XXXX  ). They should have protection against scammers and fraudulent transactions. People like him should not be protected. His account should be over drafted or frozen not protected. The fact that I have to be the one fighting instead of the institution is unacceptable and unfair.

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 2023-10-12
Company: Synovus Bank
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
First Progress has been charging EXCESSIVE late fees. I owed a balance after closing the card. The entire balance owed itself was from excessive late fees 3 in a row charged for a balance due less than the XXXX dollar fee. Since then an additional 4 late fees and counting have been charged all on an initial late payment of the first late fee.Nobody should owe over XXXX dollars in just fees on a SECURED card that was closed. The company has charged abusive and wildly excessive fees and i demand the debt be wiped clear unless the creditor can prove why thebfess aren't excessive or show recovery costs to justify charging hundreds in fees on a closed secured card in which the principal balance has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EQUIFAX is breaking the law. Ive sent EQUIFAX letters and complaints in great detail explaining this. At this point you, at EQUIFAX, are willingly and knowingly violating my consumer rights. The information you continue to report is a discriminatory misrepresentation of my identity. You at EQUIFAX DO NOT have my permission to make reports containing any information from XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX and you must completely remove those two accounts upon immediate receipt of this. 

This is not a dispute notice for you to send to XXXXXXXX XXXX XXXXXXXX XXXX and or XXXXXXXX XXXX XXXX XXXXXXXX XXXX in an attempt to pass the blame and avoid your repercussions for breaking the law. THIS IS A NOTICE FOR YOU AT EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Henley, Lotterhos & Henley, PLLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Collection agencies can not report old debt as new. If a debt is sold or put into collections, that is legally considered a continuation of the original date. It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date. I notice that in my state after XXXX years a person can not be harassed by debt collectors for old debt and also garnishing someone pay for old debt XXXX years old debt but reporting it as it is new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I remitted a payment via telephone with an agent. I made a payment via check. I inquired about the days of delinquency, I was told by the agent that at the time of payment that the account was at 29 days. She further stated on a recorded line that my account was not in jeopardy of being reported to the bureau as I was making a payment in time. 

Two days later, I received an alert from credit karma stated that my account was more than 30 days late. I trusted the agent was knowledgeable her job and able to accurately provide the correct information to me as a cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I wrote XXXX XXXX a proof of validation letter on several occasions. XX/XX/2023, XX/XX/2023, and XX/XX/2023, in which they have responded to the XX/XX/XXXX letter stating that they performed an investigation and have already responded to my previous dispute ( completely untrue- I have noticed they don't bother stamping the certified return receipt slip to confirm receipt of the letter ) this is the first time that I have received any correspondence from XXXX XXXX ( if in fact it is XXXX XXXX who responded as their letter head has a different company name ) and they have failed to provide me with the information that I have requested. Nevertheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors must provide validation of the debt if the consumer disputes it within 30 days of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my account ; the balance being reported is incorrect, this account does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt.

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 2023-09-09
Company: Incomm Holdings Inc.
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Purchased XXXX XXXX XXXX on XX/XX/XXXX from the XXXX  Store located in XXXX, VA. The cards are issued by Incomm Financial ServicesXXXX XXXX XXXX -I gifted the cards on XX/XX/XXXX -One of the cards was tried to be used on XX/XX/XXXX and was told the card was already used. I pulled up the transaction report and the card was used at the XXXX XXXX located in XXXX, VA on XX/XX/XXXX. I know that it was not from the individuals that I purchased the cards from because they do not live in VA.One card filed a fraud claim and has received the replacement card in XX/XX/XXXX, while I am still waiting on the other replacement card. 
-I filed a fraud claim on XX/XX/XXXX at XXXX and spoke with XXXX XXXX XXXX she provided a case # XXXX and explained that it would take 45-90days to process. 
- Sent the siged dispute form to XXXX XX/XX/XXXX at XXXX -I followed with an email to XXXX on XX/XX/XXXX, and received an email on XX/XX/XXXX requesting a copy of the card, the receipt and Case # XXXX and once they receive it will take 10 days for the replacement card. 
-I sent all requested documents on XXXX, XXXX -I emailed on XX/XX/XXXX asking when I will receive the replacement card, no reply -I resent the requested docs on XX/XX/XXXX, no reply -I called XXXX on XX/XX/XXXX, the gentleman told me that they did receive my paperwork and it is in process -I sent an email on XX/XX/XXXX requesting the status, no reply -I sent an email on XX/XX/XXXX requesting the status, no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I paid off my account balance of {$1700.00} on XX/XX/2023. The payment did not post until XX/XX/2023. The credit card company then charged the account {$2300.00} in interest which they say posted on XX/XX/2023. Now my balance is almost double that what it was prior to paying it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is the second dispute with the company I recently called Fortiva Inc. and they are still giving me trouble with my dispute. 

XX/XX/ a bill payment was made to Fortiva by XXXX bank as stated in the previous dispute. XX/XX/ the check was cashed and on XX/XX/ the payment was due. Fortiva calmed they never received the payment XXXX bank has sent me proof that the check was cashed by Fortiva and I sent a copy of the check to Fortive on XXXX XXXX XXXX and they have yet to respond its been XXXX  days total. I called today XX/XX/ and I am still getting the run around I would like some help with this matter.

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 2022-03-10
Company: Experian Information Solutions Inc.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent 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 explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
How can child support be reporting on a credit report when its considered to be a Judgement from the courts. 
I now demand these accounts be removed from my credit file

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