BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. 
XXXX  : Account number : XXXX - This account has not been investigated by the bureaus. I have already sent several letters, but it still states 'Account not disputed. Please remove this account due to the lack of investigation. '' CAPITAL ONE : Account number : XXXX, Please remove this account due to inaccurate reporting. The payment history shows late remarks on a charge-off account, the payment status is listed as 'Unknown, ' and the account rating differs across bureaus, with XXXX showing 'Paid ' while XXXX lists it as 'Derogatory. 

XXXX XXXX  : Account number : XXXX, This account has not been investigated by the bureaus. I have already sent several letters, but it still states 'Account not disputed. Please remove this account due to the lack of investigation. ". 

This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred from XXXX XXXX XXXX on XXXX XXXX 2015 to nationstar mortgage. I sent A payment in to nationstar in the amount of XXXX which they received on XXXX XXXX 2015, they never posted it to my acct untill XXXX/XXXX/2015. My loan was paid in full due to sale of my house on XXXX XXXX 2015 .and the payoff did n't refeflect the XXXX payments I had to pay more at closing. My complaint is I have n't recieved that XXXX that was supose be to refunded to me as of today XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon reviewing my credit report, I noticed a Navy Federal Credit Union credit card that was not mine ; I contacted NFCU ; I did not open a membership or apply for a credit card. 
XX/XX/23 notified NFCU; confirmed that this was not mine ; NFCU closed acct; completed their Declaration of Forgery and Fraud Claim - cf # XXXX ; XX/XX/23 filed disputes with credit bureaus. 
XX/XX/23 called because I did not receive a confirmation letter ; no update XX/XX/23 contacted NFCU security, XXXX ; on hold 1 hour ; spoke with XXXX who was concerned the case was over 53 days with no movement ; escalated and provided case # XXXX XX/XX/23 called NFCU security, XXXX ; on hole XXXX & XXXX ; spoke with XXXX who confirmed no movement ; escalated again and provided email - XXXX ; XX/XX/23 I emailed XXXX the above information and requested an update ; no response as of XX/XX/23 XX/XX/23 contacted Florida Attorney General and received additional resources. 


I have applied for a position with Navy Federal Credit Union and am pending status ; I can not be hired until this alert has been removed. 

XXXXXXXX filed Federal Trade Commission Identity Theft Report I learned from the XXXX report that the address associated is XXXX XXXX XXXX XXXX SC XXXX or XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never resided at these addresses or city. 

I did not open a membership or credit card with Navy Federal Credit Union or authorize any one to on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting 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:
SANTANDER CONSUMER USA Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: NY
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 have contacted Experian about fraudulent accounts on my credit file for months. They have refused to delete these accounts. I have been a victim of identity theft. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

Accounts & Accounts Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts should be on my credit file. I mailed a complaint letter to Experian with an attached FTC identity theft report on XX/XX/. Experian refused to comply with my request. This damaging 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-12-17
Company: American Credit Acceptance, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My car was sold to me under a fraudulent contract.I was financing a car which I paid my down payment out of pocket but it states in federal law that my down payment is included with my finance from the lender but they still made me pay and also for my insurance I paid out of pocket but it also supposed to been included in my loan from lender which makes the contract fraudulent under these federal guidelines 15 US code & 1605 15 US code & 1635

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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:
This complaint is addressed to EXPERIAN. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2022-07-28
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have attempted to contact Wayfair Credit ( Comenity Bank ) on multiple dates in the month of XXXX. The website would not allow payments, the website provided a variety of error messages. I also called their customer service number numerous times and was on hold for over two hours without an answer. Their automated service would allow for payments but would require an additional charge of {$9.00}. I signed up for emailed statements over a year ago, so statements would normally be emailed to me. However, no statement was sent to me for the due date in XXXX. The last statement I received was in XXXX for the month of XXXX. On XXXX XXXX at XXXX XXXX, I received a call from a number XXXX who stated they were Comenity Customer Service . I advised them that the statement for XXXX was never sent to me and I had been attempting to contact them for over three weeks. They related that I could pay over the phone, but I requested a copy of my missing statement, correction on my account to reflect that payments were unable to be made due to their system error and a new credit card which they still had not provided. The agent related that they had system wide issues. I was then placed on hold by the agent whom never returned to the call. I called the number back, and the automated system stated they were closed for the day. I am requesting correction to my credit report to removal any past due statements, updated credit card statements, and requiring the company to provide a new card as well. This payment has not been able to be submitted due to no fault of my own, as I was advised the company was sold to Bread Financial and their websites are having issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/18 I applied for the Wells Fargo Platinum Visa with a {$3500.00} credit limit @ 0 % interest rater for 18 months. My credit rating upon application approval was @ XXXX and according the advertisement the interest rate would be based on credit worthiness and payment history and no higher than 24.49 % ( being the highest rate which should not apply to me based on my credit worthiness ) I have excellent credit / payment history with all my open accounts to include XXXX XXXX, XXXX & Wells Fargo. However I am being charged an interest rate of 24.99 % on a {$1300.00} balance when my minimum payment is {$43.00} HOW IS THIS POSSIBLE.. 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 explanation
Consumer complaint received 2021-03-17
Company: CITIBANK, N.A.
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:
I have reached out the XXXX multipole time over 2 years to fix error in my credit report. other companies like XXXX fixed it right away but for some reason XXXX refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XX/XX/XXXX Bank : XXXX XXXX XXXX XXXX Date:XXXX Bank : XXXX XXXX/ XXXX Amount : {$920.00} Date : XX/XX/XXXX Bank : XXXX Amount : {$4900.00} Date : XX/XX/XXXX Bank : XXXX XXXX XXXX Amount : {$6300.00}

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 explanation
Consumer complaint received 2023-07-19
Company: Global Lending Services LLC
State: GA
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 want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Address of credit reporting company XXXX XXXX XXXX XXXX XXXX, TX, XXXX Dear cfpb, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1- Unknow or Invalid collection account on my credit report FAIR COLLECTIONS & OUT has flagged your account as Collections on XX/XX/XXXX. 
Source : XXXX XXXX : FAIR COLLECTIONS & OUT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( XXXX ) Balance Date : XX/XX/XXXX Balance : {$420.00} Dispute Report Number : XXXX Dispute Account Number : XXXX Explanation of item being disputed : At first, after 180 days, the original creditor XXXX XXXXXXXX had already charged off this amount from their books for a tax loss and contacted the insurance company about this loss. Original creditor sold off their charge-offs to the collection agencies ( FAIR COLLECTIONS & OUT ). From a legal perspective, I never made a legally binding contract with collection agencies. For this reason, I am not obligated to any collection agencies or I should have the responsibility to pay these debt collectors. 
Secondly, you can find my certified mail receipt ( showing proof that an item was mailed ) and return receipt ( verification of delivery was made ) in the attachment. ( Page 5-10 ). The collection agency had only contacted me on XX/XX/XXXX and XX/XX/XXXX. After I send my 2nd dispute letter, they never sent me any following up emails. After I received their mail, I sent my dispute letter to them on XX/XX/XXXX and XX/XX/XXXX. ( Please find my dispute letter on Page 3-4 ). I stated my point very clearly in these two dispute letters. If the collection agency can provide me with any valid and legal evidence that can show that I owe this debt, I will pay for this amount. Unfortunately, they failed to provide valid and legal evidence. After XX/XX/XXXX, I havent received any letter from them until XX/XX/XXXX. They put the collection record on my credit report and cause my credit score to decrease to XXXX. 

On XX/XX/XXXX, they did send me the evidence but it is not valid, please refer to my XXXX dispute letter ( on Page 4 ) as a reference. The official document that they sent to me does not have a legal effect since both parties do not sign the document. The document does not have my written signature so it does not have legal effect to indicate that I owe the debt. ( Page 11-13 ) If everything that I said was correct and valid, please remove the collection record on my credit report and recover my credit back to the original standpoint. 

Thank you for your assistance and looking forward to hearing back from you.

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 2022-04-29
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Yesterday, XX/XX/2022 my wife called NewRez Mortgage company to ask about a HELOC for our mortgage. They stated they did not offer a HELOC but other types of loans. At no point did I speak to the gentleman on the phone nor did I authorize my credit to be pulled by this company. Today I am receiving multiple calls from other Mortgage Lenders in reference to my credit being pulled for a loan. I never authorized my credit to be ran. In fact, I never spoke with anyone on the phone at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter for debt collection from the CBE group about a debt owed on an XXXX  account that I do not have. The letter is dated XX/XX/21. The amount of the debt was listed as {$100.00}. We contacted XXXX and they said they do not use CBE group for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After dealing with 2 dr offices, he owns both, i had authorized payments to be taken from my debit card monthly until paid in full. Not knowing there were 2 billing offices, i ever received a bill for a service tat ended up being written off. After several months of back and forth with the dr office, it was clear they sold the debt to Capital Accounts in the amount of {$2900.00}. I never received this info as they had a pob that i had not had for years. I saw the credit bureau where it was listed. I contacted this collection agency to inquire what this debt was for and was told for the services from XXXX XXXX XXXX, which is my heart dr . I  see him 1-2 a year and was never told there was an outstanding balance. I was not given opportunity to deal with this debt until they posted it on my credit. Working with XXXX with the billing office at the dr , she is trying to pull back the account, telling me that the Capital Accounts refuse to send back the file for them to collect. I will not deal with a creditor that handles business as such. I do not dispute the debt as I will gladly work a payment plan with the dr office but not with the unprofessional people who do nothing but tell me to pay my bills and not be a dead beat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied with Ameri Save XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX all of the Mortgage companies ran my credit told me I was approved then moving foward said I need to have XXXX and XXXX iam low income I added my son he has no debt XXXX XXXX officer said the couldn't approve me didn't even finish application process Ameri Save Mortgage had two loan application the loan officer never contacted me but loan say it's in progress these companies have not displayed any integrity and have taken my information

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a collection company that keeps sending collections when i do not owe any money this was an apt complex and in the agreement they waive all expense due to the pandemic that we are in

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase bank is refusing to endorse a check from the insurance company. There are two separate claims from rain and hail damage and they are combining them as one claim which is over a certain amount to endorse the check! I can not make repairs unless I have the funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: World Acceptance Corporation
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against World Finance Corporation located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, World Finance Corporation has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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