BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had a checking account and savings account with navy federal, they had this program called a XXXX program that allow you to him about his money from the bank the money that I borrowed was {$480.00}. I spoke to a Miss XXXX and I told her that I was making payments I had to set up payment arrangements of {$20.00} every two weeks.I made three payments of {$60.00}, and I also help me to {$10.00} payments which I can take the money and I cant so I told him to put it towards my bill and a XXXX dollar payment when I call in to navy federal they refuse to give me a print out of that payment history!! Im trying to fix the situation and then she won over charge me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: SYNCHRONY FINANCIAL
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 " had '' a credit score of XXXX NEVER missed a payment. I made a purchase at Old Navy in the amount of {$33.00} ( I have XXXX  XXXX  XXXX  in  bills ). I came home and ON TIME applied the payment. It was applied to GAP, not Old Navy. Synchrony bank with no notification sends my " late '' payment to the credit company 's reducing my score by XXXX points. It impacted me so quickly that I was unable to refinance my car and my house to take advantage of some very low interest rates. I called Synchrony in XX/XX/XXXX to have Synchrony rectify. They sent me two affidavits both firm GAP and Old Navy acknowledging the error and that it has been fixed. All three credit reporting agencies are STILL indicating delinquency. I spoke with Synchrony again today on XX/XX/XXXX. They indicate they are sending another letter to all 3 credit reporting agencies explaining the error and that it should be removed completely from all 3 reports.

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 2019-10-09
Company: BCB Investments LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1. They kept calling, leaving messages without identifying who they were and why they were calling.

2 They contacted people outside my home.

3. They threaten to take other actions if I didnt call back.

4. I returned the call and got the name of the company and realized it was a collectio
n agency, Alliance collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Complaint will be my Follow up Complaint for the previous Complaint I submitted exactly 15 days ago. On my Previous Complaint, I requested that the Credit Reporting Agencies conduct an investigation on my Credit file since I found way too many inaccuracies and misleading information. In accordance with the Fair Credit Reporting Act, I am expecting that the Credit Bureaus involved on this matter will be doing what they are supposed to do and remove the account completely from my Credit File or correct the information they present on my Credit. The following accounts must be investigated and corrected : XXXX CARD XXXX Balance : {$0.00}, and XXXX XXXX XXXX Balance : {$0.00}. These accounts were reporting invalid and inaccurate information negatively impacting my Credit Worthiness. I also sent dispute letters to the Credit Bureaus dated XX/XX/2023, as I will attach these letters on this complaint. These accounts were already verified by the creditors as we both agreed to remove these accounts completely from my Credit Reporting. I look forward to correcting my Credit File from all the erroneous and misleading information that have been reported on 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 2023-01-15
Company: Convergent Resources, 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: Account information incorrect

Complaint:
I received a letter from Convergent Outsourcing , Inc. on XXXX XX/XX/XXXX stating that I owed XXXX XXXX {$170.00} I wrote Convergent Outsourcing , Inc. a debt validation letter and mailed it to them certified mail with return receipt ( certified number XXXX ) on XXXX XX/XX/XXXX. To this date ( XXXX XX/XX/XXXX ) I have not received the return receipt, nor any correspondence from Convergent validating the debt. The letter Convergent mailed stated that if I write to them by XX/XX/XXXX, they must stop all collection until they show information that shows I owe the debt. 
I believe Convergent has deliberately not responded to my validation request so they can apply this unvalidated account to all my credit reports, which they have done because XXXX days ago I was notified that the account now appears on all three credit reports. I contacted XXXX XXXX on XXXX XX/XX/XXXX, and, per a legally recorded phone call with a XXXX representative, verified the account number I had with XXXX is NOT the same number Convergent is claiming is mine, and I do not owe them any money. If anyone needs to hear the phone call recording, please contact me and I will be happy to play it, or if there's a way to upload it, please show me how and I will gladly do it. 
I would like this unvalidated, incorrect, derogatory immediately removed from all three of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I was XXXX  and XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying one from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work 50-60 a week. Can you please help me resolve this it has been going on to long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company says they have not received any disputes from me.

I have copies of all the dispute letters, I also sent them copy of the report I filed on XXXX They tell me that the account is mine, and just say they have verified it. They have not provided any proof that the account is mine. Just that it has my name and address. 
They also claim that they have mailed me forms to fill out which I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX I was never late on the paid off account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, if not please delete this alleged late payment from my credit report.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TRANSUNION AND XXXX ARE REPORTING XXXX XXXX {$9700.00} INCOME ON MY CREDIT REPORT. I ATTACHED 1099B FOR PROOF FROM THE IRS THAT THIS IS TO BE FILED WITH MY TAXES AS INCOME PER IRS GUIDELINES THEY PROVIDED ON THE 1099B.

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 2021-03-17
Company: Harpeth Financial Services, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have seen that a 3rd party collection wich is fraudulent activity, on all 3 of my report since XXXX. Continue to report that I owe XXXX+ dollars and I have never had a loan unless it was school or my car! And since it was illegally sold information that I never did it violated my fcra rights with wrongful information sent to all 3 reporting companies stating that I spoke with them and I have never done so Once I wrote to remove or seek max penalties the company sent me all the fraud copies of the loan from a fraud check with my fraud signature with a fake address and number that all 3 reporting compies keep binding me 2 and saying its mine so when they call this number the person who done this 2 me is the only person who they can write to and speak 2 please remove the account I can not move or use credit due to me being victim for over 6 months of fraud and no 1 is honoring my fair XXXX .the address on file is were docs are going please remove off so I can update my report with the right address and number I can't even get in control of my own name with this not getting took care of.SINCE THE DEBT WAS BOUGHT AND ITS NOT EVEN MINE PLEASE STOP HARRASSING ME FOR ILLEGAL DEBT. PLEASE HONOR THE FACT I HAVE NOT GOT MAIL BUT ONLY HARRASSED ON MY REPORT IT IS NO WAY THAT I JUST STAYED 4 TO 5 LAWS BROKEN AND NO ONE REMOVED THIS I WILL NEXT SEEK MAX LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit reports. I have attached supporting documentation. 

1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$1100.00} 3. XXXX XXXX XXXX {$560.00} 4. XXXX XXXX XXXX {$560.00}

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 2023-01-20
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by Specialized Loan Servicing. Today I received a phone call from the company asking me what my intentions were for the property. I told them I didn't understand the question. At which point they informed me the call was not an attempt to collect a debt because it had been discharged in bankruptcy on XX/XX/XXXX. This loan servicer has had the debt since XXXX, prior to that it was with XXXX  XXXX XXXX. The trouble is that neither myself nor my husband who holds the debt jointly with me have ever declared bankruptcy. 
I asked the agent for more information and she said they would research it. This loan also escrows tax liability as well as homeowners insurance yet they informed me that I was not required to pay the amount due. However there is a lien on the property and I am paying down the lien. 
I requested more information about the bankruptcy and they could not put me in contact with anyone who could immediately resolve the issue. It is very disturbing that this information is not available and I don't want to wait devote an enormous amount time and energy to fix this mistake.

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 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
This is my final attempt at resolving this issue before taking legal action. I've spoken to the company directly at least 3 times & I've disputed with the credit bureaus. Capital one informed me that these inquiries would be REMOVED from my report within 90 days but they still remain. CAPITAL ONE XXXX, XX/XX/XXXX, XX/XX/XXXX. CAPITAL ONE AUTO FINANCE- XX/XX/XXXX. All these inquiries were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 604, " States rights to consumers privacy ''. Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! The account listed below are in voilation of this law, XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by XXXX and Equifax. 
XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by XXXX and Equifax. 
XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by XXXX and Equifax. 
I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: VA
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:
Disputed debt that is being reported to bureaus as inaccurate and requested to validation from bureau and company, company have not sent any sent anything that validates this debt is mine, I have never done any business with the company and nor am I aware of amount they saying is owed. Ask for more verification from them and bureau and its still being reported incorrect and investigation from bureau responding once as verified and that is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 filed a dispute with Capital One Bank regarding account # XXXX. The results came back they sold the account to XXXX XXXX XXXX XX/XX/2018. I contacted XXXX XXXX XXXX and XXXX ( the representative from XXXX XXXX XXXX ) stated that there is no account under my name or social security number or my phone number. This is being reported inaccurately and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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 status incorrect

Complaint:
*Vehicle was traded in on XX/XX/XXXX. 
*Payoff check XXXX {$29000.00} was mailed XX/XX/XXXX to the standard Payment address posted on XXXX via USPS : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX *On XX/XX/XXXX, XXXX XXXX advise to issue a Stop Payment for 'non-receipt ' and re-issue a new check with an new payoff amount to a different address for Lease Payoffs : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX *The check posted the following day on XX/XX/XXXX and was returned due to Stop Payment they advised to issue. 
*A new check XXXX {$29000.00} was mailed overnight via XXXX tracking on XX/XX/XXXX. Tracking # Tracking Number XXXX. Delivered XX/XX/XXXX XXXX as per XXXX Tracking. 
*After numerous calls, XXXX located the payment XXXX delivered XX/XX/XXXX on XX/XX/XXXX. XXXX posted the payment effective XX/XX/XXXX. 
*In the interim, between XX/XX/XXXX and XX/XX/XXXX, Genesis reported me as 60 Days Delinquent on all 3 Credit Bureaus Equifax XXXX Trans Union and Experian 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 2020-12-19
Company: EQUIFAX, INC.
State: MI
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/2020, I sent a letter regarding unknown and inaccurate items that were on my credit report. After at least 60 days ( about 70+ now ), I still haven't heard anything back. Absolutely No Response. I feel like I am being ignored or taken advantage of in regards to the disputes. I have studied and according to section 611 ( a ) it is clearly stated that a failure to investigate these items gives a reason to delete these items WITHIN 30 DAYS and to be taken off of my credit report. Now, that at least 70 days have passed they need to be deleted immediately. Therefore, I demand that these items be removed from my account right away or I WILL begin litigation because this has exhausted me to my wits end and you have caused me a lot of stress. Not to forget to mention, I was hugely affected by the data breach involving Equifax and now I am fearful because my records are possibly in the hands of the wrong person. This is a serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. 

15 U.S. Code and 1681c-2 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. You are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have been a Wells Fargo customer for over 15 years. I believe I may have been overcharged bank fees

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