BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Was in trial payments for a modification/ Special Forbearance trial payments of {$1700.00} which all for that amount were met. XX/XX/XXXX received a letter to finalize Modification with the new amount effective XX/XX/2021 but the amounts had changed to Principal and interest {$1400.00} Estimated Escrow {$520.00} Total {$1900.00} we had loan docs notarized and returned on Saturday XX/XX/XXXX at Navy Federal Credit Union called to confirm they were received and attempt to make payments for the difference since I saw it on the new ppwk but Navy Federal said to wait since it was going thru the Modification process and to hold off on making payments. Once The modification was processed it reported me 30 days late since the loan processor was also behind on processing the modification so when adjustment was made it made my unirla trial payments look like I never made it since the new loan docs dated XX/XX/XXXX changed the total amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NJ
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 requesting that you take appropriate action to investigate and remove them 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 explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a request for credit freeze to all three credit reporting agencies around XX/XX/XXXX. I sent the requested information to each. XXXX  and XXXX XXXX sent documents confirming the credit freeze had been placed. Experian sent the same post card you will see with my documents uploaded saying " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or that information that you provided was not legible. '' I forgot about the problem until I found the card in my drawer On XX/XX/XXXX, I sent another credit freeze request via certified mail with return receipt ( copy of documents sent included ). A couple of weeks ago, I received another postcard denying my request. As you can see from the attached files, I sent everything requested and it is legible. ( The documents include personal information, so I am attaching redacted copies of the documents ; unredacted copies were sent to Experian. )

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 2023-11-18
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX sent me to a collection company called Transworld Inc. 
I not only never used this company, but had no idea what they even offered. They found something owed for an address in Minnesota. Ive never lived or even been to that state. 
I did get it resolved thankfully. I did pay a debt collection from XXXX whom I did not have service with and they asked me why I paid it as they had nothing saying I owed them. These scams are horrible and Im writing to say please do something!!!!

A company should have to have at minimum a signed certified letter before sending you to debt collection! Please fix these scams!

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 items 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 items : XXXX XXXX XXXX, XXXX, KY, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance : {$670.00}, XXXX  XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX Balance Owed : {$8100.00}, XXXX XXXX XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax refused to remove the negative, item, that's fraud last, four of account XXXX it shows 60 days late i, filed a federal trade commission identity theft report on file my social security number is XXXX, and also, XXXX theirs two, negative items that are fraud and trans unio their are three negative items I filed a federal trade commission identity theft report on file please have experian and equifax and XXXX XXXX removed these adverse items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI sent a letter claiming that an XXXX account that I closed over two years ago still owed {$130.00}. I called and explained that a couple of months after I closed said account in XX/XX/2019 I received a bill from XXXX for about {$470.00} ( XX/XX/2019, see enclosed print screen ), which I paid in full and have not heard back from them since. I am using the same number as I had when I was an XXXX client and they have never reached out to me until now, this so called AFNI. 

I asked for evidence and the person taking the call didn't have any. This has to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Dear CFPB, I am writing to file an urgent complaint against my mortgage servicer, SLS Mortgage, regarding their refusal to release funds necessary for the repair of my property. My name is XXXX XXXX, and my mortgage account number with SLS Mortgage is [ Your Mortgage Account Number ]. 

On XX/XX/2022, my property suffered significant damage due to flood, resulting in an insurance loss. I promptly submitted all required documentation, including estimates and bills from the contractor responsible for repairing my home. However, despite providing all necessary information, SLS Mortgage has refused to release the funds required for the repair work. 

This situation has left me and my XXXX son in an extremely vulnerable position, facing the prospect of homelessness. Despite my numerous attempts to resolve this matter with SLS Mortgage directly, they have been unresponsive and uncooperative. 

I kindly request your urgent intervention in this matter. I urge you to investigate the actions of SLS Mortgage and ensure that they release the necessary funds to cover the repair costs as outlined in the submitted documentation. Time is of the essence, and the delay in releasing the funds is causing severe distress and hardship for my family.

I appreciate your immediate attention to this pressing issue. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification.

Thank you for your assistance

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 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: DE
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2023-05-25
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is already been paid on full I ask them to deleted they refuse same as XXXXXXXX XXXX XXXX XXXX XXXXXXXX, affirm, XXXX, XXXX  possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name, XXXX, XXXX XXXX XXXX and I have been appointed and accepted being the executor both public and private for all the matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; The telephone number XXXX is associated with debt collector XXXX  XXXX  XXXX which has initiated contact with me, the consumer, via telephone communications received at my dwelling at XXXX XXXX  EST on the date of XX/XX/2021. This is a violation of 15 USC 1692c ( a ) ( 1 ) as it is never a convenient time for a debt collector to contact me. 

Also pursuant to 15 USC 1692c ( a ) they would need prior consent given to them from me to contact me, I have given no such permission orally, written, or otherwise communicated. This is a violation. 

15 USC 1692b ( 1 ) they did not call to confirm or correct address, nor did the representative identify herself. This is a violation. 

15 USC 1692b ( 3 ) I never requested to be contacted by XXXX XXXX XXXX. This is a violation. 

15USC 1692b ( 5 ) The representative used language that indicated the collection of a debt. This is a violation. 

15 USC 1692c ( a ) ( 3 ) can not contact me at my place of employment without consent from my employer. I am my own employer and my place of employment is my dwelling. I never gave my location or permission to contact me. This is a violation. 

15 USC 1692d ( 2 ) The representative used obscene and profane language in the telephone communication. Congress does not and can not define what obscene or profane language is to me, so most certainly no one else can constitute what is obscene or profane to me. This is a violation.

15 USC 1692e ( 11 ) The representative failed to disclose that it was an attempt to collect a debt. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Attempted to contact PNC by phone several times between XX/XX/XXXX and XX/XX/XXXX. Was not able to get through to a representative. Also, PNC stopped allowing communications through secure message due to their workload. I was attempting to close my account. 

On XX/XX/XXXX a monthly service charge of {$25.00} was assessed to the account. I have requested by phone on XX/XX/XXXX that the fee be reversed. The representative informed me that they could not reimburse the fee and could not transfer me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
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 am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2021-09-30
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
-- -- -- -- -- -- -- -- Dear CFPB, I'm desperate for help. My family and I have suffered from a huge financial loss. 
From XX/XX/XXXX to XX/XX/XXXX, I transferred seven times totaling $ XXXXUSD from wire transfer from my XXXX XXXX Checking Account into Coinbase Bank ( Coinbase 's Bank is XXXX XXXX XXXX ) because I was scammed by a fraudulent platform, XXXX  ; Later, I learned that this was a scam. 

I fell for the scam because I thought that Coinbase is a very trustworthy company because of its great reputation. Therefore, I trusted Coinbase and gave in with all my life savings. Using the wallet transfer in Coinbase, I transferred all that money into a fraudulent platform ; Unexpectedly ( from the present perspective ), Coinbase gave no warning not only that this is a flagged-for-fraud wallet, but also a verified one. That means that Coinbase has an untrustworthy verification system, therefore betraying our trust. In a second, all my life savings are sent onto fraud, permanently losing it ( unless you help! ). 

I then reported this to the FBI, XXXX, and Coinbase. Most of them get little to no reply. For Coinbase 's reply, they DIDN'T CARE and directly tell us to complain to the FBI and states that they hold no responsibilities, although XXXX holds ALL responsibilities to this case ( separate report to CFPB ) including many others that were also scammed because of their naughty verification and system. I finally decided to request clearly to XXXX for a dispute of at least a partial amount for this case, but they refused. 

I also got all my personal information leaked ; Driver license and everything on it, are all leaked. I had to change my checking account ( I recently did so ). 

Please, CFPB, help recover our financial loss. Thank You! 
-- -- -- -- -- -- ---

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
today on XX/XX/2023 I contacted equifax about a fraud account on my equifax credit file. I informed them I sent in the ftc id theft report to have the account removed. the representative informed me he will initiate a dispute today ( XX/XX/2023 ) but failed to provide a confirmation number. I log into my equfiax account and I also do not see the raised dispute for today 's date on there. this also happened the previous week. equifax is being deceptive and i do not like that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
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:
This is absurd. These debt collectors ( XXXX XXXX  ) are using the default date as the date they bought the debt. The original default date of the account they bought was more than 7 years ago.

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 2023-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2020-02-24
Company: SYNCHRONY FINANCIAL
State: PA
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: Problem with personal statement of dispute

Complaint:
The end of XX/XX/2019 I called to make arrangements on my Paypal account. I decided to pay instead of doing a payment plan I made the normal payment. At this time the rep informed me that on the payment plan the payments would be late and reported 30 days. Although at the time I was not over 30 days I had surely paid this account after 30 days in the past as it was not being reported to my credit. My issue is that prior to Paypal changing hands I was not properly notified of the change from a non credit reporting account to a now credit reporting account. It appears that the new company I believe called Syncv/PPC brought account history from before they were actually reporting, If I had been notified that the payments would impact my credit I would have ensured the min Pay was made to avoid 30 day reporting. I have had a paypal account for many years, so when I saw in XX/XX/XXXX I was being reported starting back around XX/XX/XXXX and had not been notified I was upset. I called the company and they advised me to do a dispute and then did not fix my issue, or follow up with me. I spoke to the supervisor who was very nonchalant. I would like a copy of the information that was sent out regarding the change in credit reporting. Also if they started reporting in XX/XX/XXXX why are they backdating to XX/XX/XXXX when that is not how it worked in the past. Also This reports as a credit card ad I believe it is a line of credit..

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