BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2023 my card was compromised, and I had a new one sent to me. I activated and had been using the new card. The old card was closed, but there was 2 payments that still was available to charge my card even when the card was supposed to be deactivated. So after I request for a dispute of the transaction, they came back saying that I have to pay the money back cause the dispute was not in my favor. Now how is that when the card was closed. Navy federal also said that if its a reoccurring bill that they will still let charge my old card, and I told them that that was fraud, and that I can handle my own business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Collection Attorneys USA LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this is not my debt i dont owe this company I never applied for the XXXX XXXX account. I have not lived at XXXX XXXX XXXX in over 5 years. My name ispelled incorrectly and I don't know who this creditor is originally and don't owe this company. This was identity theft and someone or somebody applied for this account. I want all collections stopped on this file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2023-12-07
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Went to local branch to access safe deposit box. Was never asked for identification nor did I have to sign in or out of the vault. Anyone could have gained access to my key and completely cleaned me out. I demand that XXXX XXXX at the XXXX XXXX branch in XXXX, RI be terminated immediately along with her loser of a branch XXXX. I have moved my savings and checking accounts out of Citizens after more than 50 years and will never set foot in any of your banks again. Furthermore, I will tell everyone I know what a horrible institution you are. My accounts were previously hacked XXXX times in XXXX year and not XXXX was caught or corrected in a timely manner by your fraud or customer service departments. Your institution is dangerous, callous, and should cease to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received suspicious letter in the mail indicating that I owe the XXXX XXXX XXXX CA, XXXX XXXX for a " red arrow vehicular responsibility '' that occurred on XX/XX/2012. I looked up the case number, and none of this information applies to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: William D. Meeker Enterprises, 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:
I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Since the day XX/XX/2022 merger of SunTrust and BBT into Truist Bank, Truist has been misapplying our fixed principal and interest loan payments continuously every month. We have paid this loan early every month for years prior to merger to present date. Since Truist has not applied our payments correctly to this date nor have we been able to get this resolved through the bank itself after many, many hours in person and on the phone with multiple people, it has affected the true balance of this debt and interest calculated. It seems we are the only ones following through as no one has contacted us from Truist Bank regarding what is being done to correct or fix the issues that they are having internally. Interest is accrued daily and since my balance is not reflecting the correct amounts due to the misapplying of our payments, that is affecting what my true balance of my loan is as well as interest charged and has been since XX/XX/XXXX of 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 2023-03-24
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
About a month ago, I stated receiving letters from Shellpoint ( a division of Newrez ). The letters stated I needed to provide them proof of my flood and hazard insurance through the condo Homeowners Association. They stated if I fail to provide proof of these insurances, they would be forced to buy coverage on my behalf. I have tried for two consecutive weeks to get Shellpoint this information. I have called two different representatives and had them talk me through the process. Before hanging up, both representatives stated everything looks good and that all requirements have been satisfied. Yet, I keep receiving letters saying I need proof of insurance. The last person I spoke with was on XX/XX/XXXX. That individual has an email address of XXXX This lady assured me I had sent her all necessary documentation and that I would not be billed for additional insurance provided by Shellpoint. However, the letters keep coming as if these conversations never occurred. I should not be double billed for homeowners insurance because of Shellpoints ' incompetence. Please help me resolve this issue with Shellpoint so that I am not double billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-04-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: VA
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:
***2nd Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX -or- Experian XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX To my knowledge and records XXXX the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

( Also See Identification Below ) ( Please see attached dispute letter to view the accounts that I am disputing ) ( Please see attached fraud affidavit )

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This car was sold in violation of the state lemon laws. I followed proper procedure and can not be held liable for the dealerships deceptive practices according to the law. Remove the false status and update for 100 % accuracy. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 2023-09-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WILL ATTACH MY CONSUMER REPORT FOR WELLS FARGO THAT'S NOT BEING REPORTED ACCURATELY -- XXXX IS REPORTING LATENESS FOR XXXX, XXXX & XX/XX/2022 WHILE XXXX IS REPORTING PAID STATUS -- THIS IS NOT XXXX ACCURATE REPORING -- ALSO PER 12 CFR 1026.13 THIS IS A BILLING ERROR & LATENESS ARE NOT SUPPOSED TO BE REPORTING ON A OPEN ENDED PLAN SUCH AS THIS ACCOUNT PER 15 U.S. Code 1637 - Open end consumer credit plans...

AGAIN, THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have an account with XXXX XXXX XXXX XXXX that was awarded to my wife in our divorce on XX/XX/2014. I notified the bank and they were suppose to stop reporting on my credit report as I was no longer responsible for the account. They continue to report this account as a charge off since my ex wife let the account go. She original owed {$7200.00} she paid about {$770.00} because now the balance is {$6400.00}. I have n idea if this balance is accurate as I have no contact with my ex wife.I have written to all three bureau several times asking for the removal of this account and have even provided a copy of my divorce decree for 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 2018-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have a Credit Card with Capital One. There were fraudulent charges on the account. They removed the charges after hours on the phone. Then a few months later they put the charges back onto the account without notifying my and then started calling me arguing with me on the phone saying that the charges were mine. I asked them to please notify me in writing what charges they were questioning. I never received anything in writing and they refused to resolve the matter. I then transferred any charges that I knew were mine to another credit card and in XX/XX/2018 asked them to close the account and let them know that I would not be responsible for the charges. I just received a statement out of nowhere today XX/XX/XXXX stating I have a much higher balance. I also was notified by the credit bureaus. I submitted these letters to the credit bureaus and they keep telling me that the account is correct!! I called Capital One telling them the WHOLE story again and that this was a final courtesy call regarding the matter. They did state that they received my XXXX letter asking them to close the account and didn't know why it was still open and said they would close the account but all of sudden we were disconnected ... which happened many times before. This time I actually asked if the person I was speaking to was actually was in the United States and they said no. I am hoping to have someone please investigate Capital One and my account and listen to the phone messages of the harassment from their fraud department. I hope this matter can be resolved. Thank You

Company response to consumer: Closed with monetary relief