BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: NAVY FEDERAL CREDIT UNION
State: MA
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:
PLEASE REFER TO COMPLAINT : XXXXXXXX XXXX  Subject : Complaint against XXXX XXXX and NFCU for Violation of the Electronic Fund Transfer Act ( EFTA ) XXXX am writing to file a formal complaint against Cash App and Navy Federal Credit Union ( NFCU ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ) . I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). 
According to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. 
In the email response received from XXXX XXXX ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXX for the purchase of a vehicle. XXXX XXXX stated that they are unable to cancel, or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. 
XXXX XXXX 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. 
I believe that NFCU, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MD
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 Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed OPEN Status Late 30 Days Past due amount {$6000.00} Fraudulent Account : XXXXXXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$1600.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Charge off Past due amount {$120.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022

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 2022-12-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. --

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 2023-03-07
Company: BANK OZK
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment along with the escrow account are automatically deducted on the first of every month from my bank account. Thus, my payments have never been late. I received a notice of a lien for my 2022 taxes in XXXX of 2023. My property taxes have not been paid for last year even though I have contributed to the escrow account every single month in good faith that the taxes would be paid. I feel as if the bank has committed fraud and caused me undo stress and time trying to resolve the matter. I was told that someone called the tax office to obtain the appropriate information and would pay the taxes yesterday, they were just waiting to hear from the tax office. I spoke with the tax office, and they never received a request for any information yesterday. I am under extreme duress about this situation. I have made multiple calls to the bank and I feel as if no one is offering a timely solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Information belongs to someone else

Complaint:
I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report.

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXXXXXX XXXX  - {$40000.00} XXXX XXXXXXXX XXXX XXXX - {$990.00} XXXX XXXX  - {$650.00} XXXXXXXX XXXX XXXX {$260.00} Disputed - Account Numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in protecting my federally protected consumer rights.

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 2023-02-16
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There were some fraudulent charges on my XXXX credit card which XXXX starting to managed around the date of the fraudulent charges. Before the credit card was managed by XXXXXXXX XXXX 

I have called the bank almost 10 times. I have also asked for a manager to give me a call back. Once they called but to my old phone. Therefore I couldn't answer. And I have sent a letter with the reasons below. But they don't want delete these charges.

I need to get a loan. Therefore I have payed the fraudulent charges just so I can get a better interest rate for the loan.

And here are the reasons why I think the charges were fraudulent. 

-During one of the calls with XXXX it was mentioned that someone asked for a copy of the card that I didn't request this before the date of the fraudulent charges.

-I have moved to a different place on XX/XX/2022. Therefore I think the credit card copy was sent to my previous address. 
XXXX has my current address but they don't have the date when this change was done on their system -I reached XXXX to find out if they know when my address was changed but they informed they don't have any account information and that it was provided to XXXX. 
-The fraudulent charges were made on the stores XXXX XXXX and XXXX XXXX XXXX. And if you check the account activity I have never used that credit card to buy in those stores. 
-The fraudulent charges were made in 2 consecutive days trying to reach the total credit line.

-The fraudulent charges were made just when the credit card started to be managed by XXXX . This is very weird. 
-I haven't used the gap credit card in months as it can be seen on one of the attachments.

-I have used the gap credit card to buy only from the gap store and for amounts less than {$200.00}. Not for over {$2000.00} like the fraudulent charges reported.

And the fraudulent charges are XX/XX/2022 {$670.00} XX/XX/2022 {$250.00} XX/XX/2022 {$250.00} XX/XX/2022 {$48.00} XX/XX/2022 {$300.00} XX/XX/2022 {$410.00} XX/XX/2022 {$87.00} XX/XX/2022 {$800.00} TOTAL {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Caliber Home Loans, Inc.
State: OK
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:
Last year XXXX of XXXX my wife and I checking account got hacked. We received multiple unauthorized charges therefore our checking account was automatically frozen by our banks Fraud department. While the account was frozen our monthly automatic mortgage payment unfortunately did not get processed for the month of XXXX. We honestly had no idea the payment did not go through. Our bank eventually reopened our account and our mortgage payments continued to get taken out every month thereafter. Calber home loans never once tried contacting me to notify me that the payment was missed for the month of XXXX. Had we known the payment did not go through, we would have immediately made the payment. We never received any type of contact from Caliber Home Loans, a credit collection agency or anyone saying that the payment was not received. Since the payment didn't go through Caliber Home Loans reported it to the credit bureau every single month until just recently XXXX of XXXX I received a notification from XXXX that I had a hit on my credit report. When I opened XXXX up it showed that my credit had dropped from a XXXX to a XXXX. Caliber Home Loans has completely destroyed my credit and any chance of getting any type of loan. All they had to do was pick up the phone and call me and I would have immediately made the payment that was missed. When I finally found out we had missed a payment we immediately called and made the missed payment. As stated above, we continued to make our monthly Mortgage payments every single month but instead of using that payment for the one that was missed they continued to report us to the credit bureau as late. My wife attempted to call Caliber Home Loans and ask if anything can be done fix it and she was told there is nothing that can be done. When she asked why we were not contacted by anyone, the rep for Caliber sated " we don't have to contact you ''. We have made every single mortgage payment on time our entire lives and honestly had no idea this had happened. This is absolutely wrong for Caliber to do this to someone. A simple phone call or mail would have notified us that the payment was late and we would have immediately made the payment. Still to this day I would not have known the payment was missed if it wasn't for XXXX notifying me that my credit dropped. I have since filed a dispute that was denied by Caliber Home Loans. I have now uploaded proof of Fraud from my bank during the same time the payment was missed. Something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: ProCollect, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Procollect credit agency, keeps fraudulently adding a account that has been previously erased by a credit agency I hired to remove items off. The balance is XXXX, it's for XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Ability Recovery Services, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted ability recovery services on XX/XX/2023 to follow up regarding a direct dispute I submitted to there company requesting evidence of the collection item that's appearing on my consumer credit report, I also informed them that the item or collection item is the result of identity theft and I have not established this medical bill in my name I was informed by them that they sent an invoice to an address that I have never been associated with and that was the proof and I was hung up on by there representative I submitted an identity theft affidavit and formal dispute letter on XX/XX/2023 and was informed by XXXX that the information provided was accurate and correct as result the fraudulent collection item still remains on 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 2023-02-21
Company: Advanced Recovery Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Advanced Recovery Systems on XX/XX/XXXX of XXXX about a medical debt with a balance of {$130.00}. I responded by mail on XX/XX/XXXX requesting they provide me with the amount and age of the debt, a copy of the last billing statement sent to me by the provider, the amount of the debt when they obtained it, and when that was, any fees associated with the account, any payments made to the account, and to tell me when the creditor claims this debt became due and when it became delinquent. I received a response from Advanced Recovery Systems on XX/XX/XXXX of XXXX and that included a copy of a statement, which was never sent to me, dated XX/XX/XXXX with an incorrect balance of {$110.00}, a copy of the letter I sent to ARS, a form from the provider and a letter from ARS, signed by XXXX XXXX, that says Dear consumer, Attached is the verification you requested. Should you have further questions feel free to contact me as noted below. I never received any of the other information that I requested. The contact information listed on the letter included Advanced Recovery Systems address, phone number and XXXX email address. I sent an email to XXXX on XX/XX/XXXX of XXXX and let him know that I received the response to my request for verification but that the information provided was still incorrect and to please continue to treat the debt as in dispute and under discussion until resolved. I never received a response to that email or any other communication from ARS after that. I was looking at my credit the other day and noticed that I have a collections account from ARS that was reported XX/XX/XXXX. The date of first delinquency is listed as XX/XX/XXXX and that is false because my appointment was that exact day and I would not have even received a bill by then. I disputed the account on the credit bureaus website but they claim that it was reported correctly, this account is still on my credit report with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX I purchased a XXXX XXXX XXXX from XXXX Mercedes. In XX/XX/XXXX I decided to trade the car after an dispute with the company after getting the car serviced and then noticed parts on the car was switched or removed. The XXXX dealership denied taking parts, however, I know what features was on the car and what was not. Upon trading the car to XXXX dealership, i was informed that the Mercedes dealer owed money to me after the contract is closed, for service contracts purchased and not used the whole contract term. My complaint with Mercedes dealership started when the dealer initiated paperwork to reflect that I traded the car in XX/XX/XXXX, however, the car was traded in XXXX, on XX/XX/XXXX. If the date is not correct the amount will not be correct, therefore when I saw the error I contacted the companies in which I purchased the contracts from and requested the date is corrected. At this time I spoke to the GAP insurance company and the TIRE insurance company who both gave me a quote of the amount i should be refunded. The total amount between the two companies was over {$1700.00} dollars. Mercedes Dealership sent me a check for {$1300.00} and I have not cashed it because the amount is not correct. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland credit management mis informed me that I should pay this debt even if was result of identity theft I try to make a payments because they intimidate me that they where going to garnish my wages, I didnt know I have rights and was not obligated it to pay debts of identity theft I explain to them this debts show in my credit report once I updated my itin number to a social and they say that I still require to pay them I Didnt I know the rules protecting consumers so I agree .they violated my rights by misinforming me just to make some profit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: FL
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:
Equifax has my file split and is showing all my balances are XXXX out when they shouldn't be and is reporting inaccurate information. I have attempted to get through their automated system several times but I can not reach a real person over their phone line. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a student loan that was issued my XXXX. This is a 3rd party collecting a debt that has no authorization to collect the debt. Student loans is a violation of the Family Education rights and Privacy Act ( FERPA ). Please update this account to paid as agreed.

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