BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Navy Federal is a Corporation that continues to pursue an allege debt that I've requested a cease and desist. They are reporting the debt to all three consumer reporting agencies. XXXX, XXXX, and XXXX without my authorization which is considered identity theft according to Federal law United State Code. Also, XXXX XXXX you have ask for my social security number for fraudulent purposes is a felony pursuant to 42 USC 408 ( a ) ( 8 ) ( 9 ). You closed my credit account without my permission and according to 15 USC 1602 ( p ) The term '' unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Also, according to 15 US Code 1611- Criminal liability for willful and knowing violation. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( A ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more that {$5000.00} or imprisoned not more than one year, or both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I do not have a bankruptcy.. I was told to contact XXXX XXXX who verified I do not have a bankruptcy at all but Equifax added one to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In Shellpoint 's response, Shellpoint stated that I did not have any proof of the Removal Of Escrow. Attached to this complaint is the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A XXXX auto loan was already on my Experian file as a derogatory mark for seven years. 
The auto loan account fell off my file several months ago once the seven year marked had been reached. Experian will not remove the account from my file as I had previously disputed the dollar amount.

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 2018-06-11
Company: EQUIFAX, 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:
Due to recent media attention on hacks on the american public I pulled my credit report and seen a account that was not mine and that was not authorized below is the account that is not mine as well as inquires and addresses I've never been associated with. 

Account Name : XXXX XXXX Balance : {$230.00} Account Type : Collection below are inquires on my credit report i've never authorized these inquires from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX I'm a living human with all the rights of 42 me from the fcra by being a US citizen please advise this complaint is against XXXX and transunion for the XXXX XXXX account it should not be listed as paid for less than the full balance but be listed as paid in full they have it listed as charged off at {$31000.00} which is true they did charge it off at {$31000.00} but I retained it possession of the truck continued making payments until the balance was {$19000.00} when trading the truck in they received {$13000.00} and this year XXXX XXXX issued me a 1099 for the remaining {$6900.00} making that truck paid in full not settled for less than what it was agreed but in fact paid in full I have checked with the tax industry professionals and they tell me that if it was originally charged off at {$31000.00} but I retained possession of the truck until the until what was owed was {$19000.00} then there should have been a amended charge-off and the total should have been adjusted being that there is no total adjusted that makes it being listed wrong and it is a violation of the fcra I would like to see the tax papers showing that they in fact change the charge off amount to the {$19000.00} or {$19000.00} that was owed and that he said it was paid in full secondly they have disputed this fact over and over which is a violation of my rights since I began they should be forced to remove this car this account without haste Sera writes afford me the right to have this file deleted because they have posted fraudulent account amounts I can prove that I made the night paid the truck down XXXX while still having possession and that means that unless they have the amended tax paperwork to show it's listed incorrectly

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 2023-08-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A Courier service called stating that legal action was placed against me and that if I needed more info to call a certain number XXXX. I was also provided case # XXXX. When I called the number a person answered the phone by the name of XXXX XXXX and stated that I had an unpaid debt from Wachovia 8 years ago and it would need to be paid before signing legal paperwork that was to be sent to me. If signed then I would need to go through the court system. I informed the caller that I would call back regarding the debt and he provided his personal number at XXXX. After checking my bank information as well as knowing that Wachovia was sold in XXXX. I realized I had been with another bank since 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 2023-03-15
Company: AA Recovery Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last week I received a voicemail from a XXXX XXXX in AARS. He left a vague message saying that I owed money and to call him. He also called friends and family and called my sister and spooked her as he mentioned her by full name and contact details like her home address and other personal info. When I contacted him he said I owed money but was not saying from where he worked with and for who he was calling about. When I asked to verify who he was he got hostile and said I was stalling the process and he was going to put a judgement on me if I didnt act in 3 days. Yesterday I got a voicemail from him saying theres a judgement on me and that they were looking for me but failed to find me so I was going to be marked as a non compliant and the court case will go without me. That they could not reach me at my house or my job. But no one came to my house because I was home all day. I did my research and the account he speaks of is not under his company and there is no judgement in my county against me. Today I called him to ask him to verify the account and send me the paperwork that shows that his company is handling the account through mail and he refused saying that if they did that for all their customers they would spend millions. When I said it was my right and the law he said not to read those phony government websites. He then said that he will file the paperwork to sue me and because I was unwilling to work with him but he was not trying to verify who he was or the account. I had called my original creditor and the company and the amount did not match with his. He was also sketchy because he called from different number and the company number he gave is not found online. He said only he was the only one that can work with the account and nobody in his company or the original creditor could help me. Then he said good luck to you and in life. 


The information of the individual XXXX XXXX AA Recovery Solutions XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Navient Solutions, LLC.
State: NJ
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:
2 years ago, I was able to work with the rate reduction team at navient, to lower the interest rate of my loans and have a fixed payment for the life of the loan. These payments were set up automatically, and for the next 2 years taken religiously without issue. 6 months ago, I was given a call stating that one of the loans were coming out of the program and no longer eligible ( after I was told they all were enrolled in the program ) I explained to the representative what I was told and who I spoke to 2 years prior and they were able to find the recordings and they would enroll the single account back into the program. 2 months later, I got another call from someone else, stating the same thing. In which, the same conversation ensued and the same result. 2 months after that, someone else called on the same issue, in which I explained and they told me everyone I spoke to prior to was wrong, and this particular loan was not eligible for the rate reduction program. They then had proceeded to place late payments on my credit report, and the automatic debits they had placed from years prior to was still paying that loan at the amount we agreed on, however, since now they wanted to say that one account at a 10 % rate was not eligible the amount they were debuting was not enough. I have been going back and forth with them, to backdate the loan, update the payments and my credit so that it is properly reporting my payments that been applied and taken on time. However, up until now, I still have no answer and have spoken with numerous representatives that acknowledge where they messed up and attempting to rectify with the credit area but tell me I have to wait 30 days for an answer from 3 different areas, in which, in the last 2 months I havent been able to have anything update and my credit continues to plummet. Ive disputed the information with the credit bureaus and they are receiving information from navient stating the late payments are correct, when they are telling me they will update the right information and notify the credit companies that I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: IA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: GATEWAY FIRST BANK
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to a new mortgage services company, XXXX XXXX XXXX, and I was never notified by my existing mortgage service, Gateway Mortgage Group. it is my understanding they are required by law to notify me within 30 days of my loan being sold. Instead, I received a bill from the XXXX XXXX XXXX informing me that that my mortgage loan had been sold to them. On the same day I received a monthly bill from Gateway Mortgage Group. It is 6 days before my next mortgage payment is due and I have never received any letter, information or been contacted by Gateway Mortgage Group informing me of the sale of my loan. Isn't this a violation of Federal Law? Aren't they required to notify of the sale of my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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 tried and tried with all three reporting credit agencies to remove the credit report of the information of XXXX XXXX  since finding out that it is past seven years which is allotted to all things reporting on credit report and this account is still opened and not deleted from credit report and negatively making my credit score not be reported as accurate and it is a collection right off which means it is income being reported on my report and according to fcra that is illegal and should have been removed long time ago and I never gave permission for it to be reported. I have tried to get this removed and deleted from all credit reporting and they have yet to remove and came to you before on this matter and they still have not done anything about getting it removed

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 2017-06-21
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:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX : XXXX, XXXX XXXX # : XXXX, XXXX XXXX Unknown, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unknown XXXX XXXX XXXX XXXX XXXX Unknown , Tax Lien 3 XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 Bank of America. I paid off the card and then started getting charges for XXXX XXXX XXXX XXXX XXXX college. I called to report four fraudulent charges on my card between XX/XX/XXXX and XX/XX/XXXX. The claims person took the information and repeated it back to me correctly and then promptly cancelled the card.. I was out of the country at the time and this card was locked away. I looked at my account again on XX/XX/XXXX and noticed 2 of the four charges were not addressed and another, new fraudulent charge was made on XX/XX/. I decided it best to call when i was back in the states. When I got home today, XX/XX/XXXX, I received my new card and at XXXX XXXX I called customer service to report that they neglected to address two charges as part of my original claim and that I had a new fraudulent charge after the card was canceled. Customer Service told me to call claims at XXXX. I called claims and waited XXXX minutes. The rep in claims told me I had to call fraud because if she added these charges to the claim, she would have to cancel my new card. She said, I should reference my claim XXXX. XXXX. Oddly, she gave me the same phone number I used to reach her ( XXXX ). I called Fraud and waited an hour to speak with a Fraud rep. The Fraud rep told me i had to call claims because the fraudulent charges are part of an existing claim. I explained that I just called Claims and was referred to Fraud. The rep then put me on hold for another hour and was sent back to Claims. The the claims rep again refused to help stating I needed to call back the Fraud department tomorrow ( at the same number i called for both Claims and Fraud ) and speak to someone in Fraud. At this point id been on the phone betw. these two departments for 3 hours and neither would help investigate and/or remove the fraudulent charges. I wanted to cancel the card at this point and was told that if I did, I would be responsible for paying all fraudulent charges in full. No one in Bank of Americas customer service, customer claims or fraud departments could help me. I was told to call back at the same number yet again. I can not afford to take hours off of work to find someone at the bank to resolve the fraudulent charges. All other banks have customer service that helps resolve in one call. No one at Bank of America will help. i disputed the charges online and the system told me to contact customer service. I am at a loss and very frustrated.

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 monetary relief
Consumer complaint received 2020-06-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification of a new debt collection on my credit monitoring service. I never was given the opportunity to dispute or verify if debt belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Reached out to company in accordance to federal law15 U.S. Code 1666b - Timing of payments, stating that a creditor may not treat a statement on a credit card account under an open end credit plan as late for any purpose. 

This form of communication was attempted via phone as well as mailing in letter. No response was provided for letter that was mailed after the following call details below : Attempted to make payments, in addition to this. According to Customer Service representative, they did not believe the creditor would remove and refused to look into removing these late payment reports with myself paying the owed amounts. I was unable to speak with anyone personally regarding this issue, beyond a customer service representative, who stated that this was out of their scope of resolving. Late payments still remain on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
In XXXX XXXX i did a money transfer to XXXX from my debit card account. " Remitly '' this is the name of instituition, said my transfer was denied from my bank but they charged {$480.00} in the same day. The transaction was denied but i didnt receive my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We enrolled in JPMORGAN Chase Fraud Protection Security system, a while ago. Recently wrote a check to one of our company vendors, and Chase did not follow the instructions loaded in their Security system, the check we wrote was cashed by another person other than the intended merchant, we are out {$4500.00} and no clue when it will be returned.

Company response to consumer: Closed with monetary relief