BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-02
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Effective XXXX our mortgage was transferred to XXXX XXXX. In the opening letter, XXXX stated that effective XX/XX/XXXX we were to begin making mortgage payments of {$2400.00} to them instead of the previous mortgage company. T In the letter they state that the amount due is {$2400.00} and that will be the amount of subsequent payments. We paid in XXXX, XXXX, and XXXX. As of a few weeks ago they started contacting us staying that we were delinquent. I called and spoke with four representatives and a supervisor, all of which gave a different story. Initially the first representative stated that because I paid XXXX cent over on one of the payments, that payement went into a supspnse account. He further stated that he email the cash department and they will move the funds and everything will be cleared up. When I started paying the mortgage for XXXX XXXX it was still showing delinquent and I called again. This time a supervisor stated that they sent to XXXX payment to another mortgage company and as a result, we were delinquent. I asked advised home that, as instructed in the transfer agreement, we sent the payment to XXXX every month on tine and did not authorize the payments to be used for anything else. He further stated the the account remains delinquent because they shifted the funds from the suspense account. I have made all payments per the transfer agreement and can provide evidence via Bank XXXX XXXX and XXXX is trying to say we are still delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I repaid Navient {$93000.00} in a lump sum to pay off my private loans. To make this payment, I used money I received from a medical malpractice settlement that has permanently changed my way of life. Given the settlement with Navient in XXXX, I feel I am entitled to receive all of that money back as restitution for predatory lending practices. Those 4 loans had variable interest rates from 6.75-16 % and accounted for the majority of my student loan debt which is why I repaid them first. The Navient AG settlement gave full relief to anyone that had subprime private loans taken out before XXXX. My loans were taken out from XXXX. Not only did I attend a for-profit school that misguided me to take out these subprime private loans, but my college closed four years later, and my degree is essentially useless. In hindsight, had I known about the Navient settlement, I would not have repaid these loans in XXXX. I did what I thought was right at the time and am now suffering for it financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received credit alert that collection account has been placed on my credit file. There was no communication or information provided to validate the debt is owed by me. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: SG and Associates
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I reviewed my credit report and saw a COLLECTION was placed on my credit report. I immediately sent a Certified Mail & Return Receipt on XX/XX/2023 requesting full validation not request for verification of the account nor of my address showing I owe them. XXXX XXXX I received a letter back from Stafford Group & Associates located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX stating to give them 60 days from that date to validate the debt, they also mentioned that they had initiated the process to get proof from the original creditor. I demanded in my letter that they delete false information off my credit report because they can not prove what they are stating on my Credit report and it is Violation of defamation of character. They were given more than enough time to provide such claim. They should not make false claims if they don't have proof beforehand.They received and signed for my Certified mail on 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 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one auto and finance continues to claim I owe a debt to them when it was ALL amounts in total were settled by the US TREASURY department, and a XXXX was filed under the auto loan amount and sent notice to capital one. The accounts reflect negative reporting which is unlawful by the codes under usc consumer credit reporting act. I've also notified capital one to fulfill their fiduciary obligation to consumer credit accounts according to XXXX XXXX XXXX all credit amounts and interest is to be paid to the consumer- which they have not complied with as of 3 days post notice of action to repay the credit owed to me from ALL consumer accounts had with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/22, I requested a debt validation from the company named in this complaint. As of today, the exceeded my right with F.D.C.P.A to provide validation of the debt. My request was sent via this portal after CSC had taken ownership of said debt. My address is the same as they stated ( see below ) that they checked my credit profile to locate me. As I had never received any documentation prior to the proceeding of these complaints. My credit profile was checked in XXXX and I was not contacted until XXXX while the accounts had already been placed on my credit profile. Please see previous correspondence attached to complaint number XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: BARCLAYS BANK DELAWARE
State: MN
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:
XXXX more supporting documents/ false reporting pertaining to your false reporting! I asked you to review XXXX XX/XX/XXXX a company that you had hired or sold the debt to indicated to me that you had already sold or transferred the account to them again that was in XXXX! Which proved that you changed the date of last active. Basically the account was already in first delinquent long before XX/XX/XXXX please remove the account or accounts from my credit file immediately Then I received another correspondence with a company called north star indicating that they had the 2nd account on XX/XX/XXXX they receive the account from you! 
Barclay this is a clear clear sign that you had these dated changed under spite this is real dirty if you doing this! I asked you to immediately remove this account from my credit file as you have had your fame and Fortune of this illegal active! 
Remove this she lets move on please I thank you 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 2023-06-19
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:
I would like to get Acct # XXXX from the XXXX XXXX XXXX XXXX removed from my credit report. You are reporting information about me that inaccurate All three credit bureaus are reporting different high balances and last activity date. There can only be one high balance. This account has been verified. Delete the following account immediately for failing to comply with FCRA. Please remove from all 3 bureaus.

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 2019-07-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Hello. 

I posted my resume on XXXX, which is a translation job offer website. 
On XX/XX/XXXX, I got an email from a guy named XXXX XXXX. He offered me a translation job and I accepted it. He asked me to send him a proforma invoice and I asked him {$1000.00} for the work. On XX/XX/XXXX, I got the check in my mailbox. He said his bank account mistakenly sent {$2100.00} so send him {$1100.00} back. 

On XX/XX/XXXX, I deposited the check into my checking account at Navy Federal in XXXX, FL. It was deposited instantly so I thought the check has no problem. I never thought a bank would deposit without checking if the check is true. I asked him how I can send him the surplus and he said XXXX, and I sent {$1100.00} on XXXX. On the same day, my accounts and cards were hold by navy federal. I filed a complaint to navy federal and XXXX right away. but the next day Navy emailed me as following : We have investigated your {$1100.00} debit card claim against XXXX XXXX   XXXX XXXX XXXX We found that no error occurred and we are unable to process the claim in your favor for the reason specified below : Once a funds transfer is requested and completed, the service has been rendered in full. You will need to contact the recipient for reimbursement directly. 
As of the date of this notification, your dispute claim has been closed. 

I had some amount of money on my saving account but I was told I have to pay the negative balance to have an access to my own account. So I did, because I needed the money on my saving account. 

Doesn't bankers have responsibility to check if a check is good before deposit? 
Doesn't Navy Federal have a responsibility about depositing a fake check? 
Is it even legal to hold my saving account which was irrelevant and made me pay to have an access to my account again? 
Is there anyway I can get my money back? 

Thank you so much in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MI
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. XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. 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 vears.

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. I demand these fraudulent items off to be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}

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 2018-10-25
Company: Experian Information Solutions Inc.
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 made a transaction with XXXX XXXX  on XX/XX/18 and posted a payment in full on XX/XX/18. It was after I made a payment in full I thought the transaction was over, but apparently the bank account number they had was incorrect. This caused my payment to not go through. They did not alert me or send me any notice the payment had not gone through, which is a breach of their fiduciary duty to me, the consumer. They let the late payment sit for months without any contact to me that I was late due to a bank error from XX/XX/2018 until in XX/XX/2018 they flagged me for collections and reported me to the credit bureaus as a 30 day late payment. This flagging my credit reports is the only way I found out I even had a late payment. It was then that I called and immediately paid in full and the representative reversed all late fees and admitted it was an error on XXXX XXXX 's part. I have now been in a dispute with them because they refuse to remove the error from my credit report and it is affecting my ability to obtain a mortgage. I have no late payments on my report other than this one made in error and I have always had a clean report. XXXX XXXX is trying to bully me into letting this go, but their representative already admitted fault in that they never contacted me one time during the span of 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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 for the credit card ending in XXXX. 

Bank of America is XXXX  and the people who work there are thieves. One particular employee, XXXX claims that {$140.00} was placed back on to my card on XX/XX/XXXX. I am disputing this amount with XXXX XXXX ( XXXX. ) The bank can not locate where the funds went XXXX! So XXXX made up at the top of her head XX/XX/XXXX I was recharged but every time I ask her for proof of the recharge she says No!!! Thats proof right there this bank is shady!!!! Dont let this bank get away with this. I want my money back!!! THEY HAVE IT. I went through a complaint process with XXXX for XXXX too and XXXX  investigated it throughly and said its BOA who has my funds NOT XXXX!! So since BOA is incompetent and fails to realize their error, Im left without renters insurance and it is still on my card!!! They stole from me!!! Please escalate this to someone higher. 

Short summary of what happened : : XX/XX/XXXX purchased renters for {$140.00} Disputed that amount on XX/XX/XXXX since they didnt send any proof of coverage. It was then put back on XX/XX/XXXX but on XX/XX/XXXX it was declined by BOA. 
According to this girl XXXX it was placed onto my card on XX/XX/XXXX. What bank cant provide a proper document of that??? This is illegal and this is why they are acting shady!!!

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 2023-10-23
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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-18
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: IL
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 HAVE BEEN CONTACTING EQIFAX, XXXX AND XXXX FOR MONTHS NOW TRYING TO GET INQURIES, COLLECTION REMOVED FROM MY CREDIT REPORT. THEY TOLD ME THAT THEY WERE GOING TO REMOVE THE 22 PLUS INQURIES AND THEY HAVE NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
i did not consent to authorize nor benefit from the following account ( XXXX ). block and remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is an inquiry from XXXX XXXX on my credit profile with XXXX that I do not recognize from XX/XX/2023 thats not mine. 

There are also incorrect inquiries on my credit report with TRANSUNION that I do not recognize that arent mine on XX/XX/2023 at XXXX XXXX  XXXX, XX/XX/2023 at XXXX and XX/XX/2023 at XXXX XXXX XXXXXXXX. 

I have contacted both bureaus of the mistakes and also filed with the Federal Trade Commission, but have not seen these erroneous inquiries removed. Please help.

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