BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: Lending Club Corp
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked Lending Club on various occasions to refrain from contacting me by telephone, and instead to communicate strictly in writing. Lending Club nonetheless continues to attempt to contact me by phone. Today, in the span of approx imately 15-20  minutes, I received  two  phone calls from  XXXX  different numbers and locations.  One of the p hone numbers ( from a  XXXX   XXXX  area code ) was a Lending Club number. Lending Club did not leave any message.     Lending Club has employed similar tactics in the past, and I have complained to Lending Club about its aggressive phone tactics in the past, among other things. I have also complained, in writing, to Lending Club about other issues in the past and have requested documents of them. To the best of my knowledge, Lending Club never sent me all of the documents that I have requested of them in the past.     I am requesting, once again, that Lending Club refrain from contacting me by telephone, and to cease and desist from contacting me by telephone, or attempting to so contact me, at any time, unless I expressly grant permission in writing ; and otherwise to refrain from engaging in harassing, deceptive, and/or other collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$450.00XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a XXXX XXXX membership charge on my card for {$100.00}. I didnt authorize nor request this charge. I contacted XXXX to have the payment canceled and XXXX had no records of a payment. I was told to contact my bank and dispute the charge by XXXX. I contacted navy federal and disputed the charge. My fraud claim was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is XXXX XXXX. 
I had Amex credit card in XXXX Reference number XXXX. Sometime in XXXX based on the statement I made the final payment to Amex and requested to close the account. 

In XXXX XXXX when I got a call from a collection agency that my account is in the collection. I went to Amex to understand why it's in the collection. They said that your account is closed with the remaining balance. 

I logged a complaint with AMEX to check my previous statements and check why there is a remaining balance. Since the account was closed they didn't have access to statements and requested the back office to send paper statements. 

On going through the previous statements we figured out that there was a balance of {$10.00} which was not paid after I paid my last statement. And due to a late fee and interest has increased to {$300.00}. 

I made a request to AMEX to consider the payment towards the balance or let me know how to address it. They understood the issue and assured me to take care of it without any need for payment. 

In XXXX XXXX Amex seems to have taken care of the balance as my XXXX XXXX jumped XXXX points and I was not seeing any Amex account on my credit report. 

During the last 4-5 yrs I have taken multiple mortgages and car loans but on none of the reports it has appeared. However, today when I am applying for a Mortgage with XXXX, the Amex balance is still showing on my credit report. 

For the last two days, I have been on multiple calls with Amex and multiple departments but they haven't been able to address the issue that is why after getting assurance from AMEX in XXXX XXXX that balance will be closed I have {$450.00} in balance and it's showing in my credit report. 

Also surprisingly they closed the account twice once in XXXX and again in XXXX after I logged a complaint. But adding {$100.00} to the balance before closing in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: Resurgent Capital Services L.P.
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 information incorrect

Complaint:
Creditor reporting falsely on my credit reports as opened account was XX/XX/XXXX for XXXX, XXXX XXXX XXXX reporting opened XXXX, XXXX XXXX reporting opened XXXX and balance amounts would like an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XX/XX/XXXX, my account, which is shared with my husband, had one last payment on a zero APR promissory note provided by RI Housing. The account was set up to draw out {$95.00} a month for autopay from my checking account. There was a {$25.00} balance left on the account, which the {$95.00} would have covered the last payment. Due to the last payment, RIHousing turned off the autopay and did not make us aware of this fact. We received our past due statement after the due date of the following month. 

It two months and numerous calls for them to figure out that it was their fault and me threatening to contact the CFPB. They stated they would fix our credit reporting and could only accept check due to their bank error. 

They fixed two of the three major bureaus ( not sure about the 4th one, because we are unable to see that in our annual free credit report ). We are showing a 30 day past due on XXXX   reporting. We need this to be fixed. 

I contacted them again on XX/XX/XXXX, because I was made aware that we have a derogatory mark from them. This has been effecting our credit this whole year and it was their fault, which they agreed and stated would correct, and now knowing has given us lower scores and higher rates. I called again on XX/XX/XXXX, and was told that they are closed to the end of the month, except for one guy and the receptionist. I left another message for XXXX XXXX. 

This needs to be fixed by them and asap. This should have been taken care of a year ago. There is no reason why they shouldn't have fixed all three credit bureaus and is unacceptable.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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 2023-05-31
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
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 Navy Federal XXXX. has violated my rights.15 U.S.C 1681 section 602 A. States I have rights 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 seven 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
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: Account status incorrect

Complaint:
I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to  XXXX   XXXX    XXXX    Since insurance company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with  XXXX  and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

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 2023-03-20
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Professional Credit Management falsified statements to obtain a default judgement against me. This is not my debt and I have not been served, nor has anyone in my household has been served. It is illegal to obtain a judgement without serving someone. In addition, this is not my debt! Release the garnishment asap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, we sold and closed on our home and the title company accidentally sent the wrong amount ( {$9200.00} instead of {$340000.00} ) to lender ( Loan depot ). They wired the amount to the payoff dept ; however, it was applied incorrectly to escrow and mortgage and not the principal without any notification to us or the title company. 

I am closing on the new house so on XX/XX/2023, the new lender, is asking for document showing loan has been payoff, nevertheless this is when it was identified the title company did not send remainder of funds. 

When I notified title company, I had both Loan depot rep and title company on three way discussing amount to send for payoff which was sent the same day. On XX/XX/XXXX, I called again to verify if wire was received. I spoke to XXXX, a customer service supervisor, and told me the payoff was short, I asked why, and he stated first monies that was wired was applied to mortgage and escrow and he has sent a request to correct it. However, it won't be fixed until Tuesday XX/XX/XXXX because of the XXXX Holiday. 

Again, I called today and told, it is now short because of Loan Depot applying incorrectly. It has now been 4 day and still no resolution. No one has taken initiative and communicate to the right party in the cash department to resolve this. 
Please help we are running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, 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 currently have three fruad accounts and inquiries on my credit report. 


XXXX. XXXX XXXX {$760.00} XXXX. XXXX XXXX  {$210.00} XXXX. XXXX XXXX XXXX XXXX {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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 account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/2019 Amount : {$32000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX  any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account 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

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 2023-09-28
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I requested my portion of the approximately {$27000.00} Fine levied by the CFPB due to me. 
My home was in Foreclosure for 14 years. 
Wells Fargo refused to Modify my Loan for 14 years when interest rates very, very low. 
Wells Fargo refused me a Forbearance on my Loan during Covid-19 Wells Fargo stated they will call me if they find any reason where they were at fault. 
My loan has not been modified although they allow me to make payments. I dont know where my payments are going as they are held in a corporate account.

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 2017-05-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to   XXXX   XXXX   XXXX   Since  insurance  company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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:
In accordance with the XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: OH
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT HAS VIOLATED MY RIGHTS. 
ACCOUNTS # XXXX. # XXXXXXXX XXXX XXXX XXXX XXXXXXXX-DEPTEDXXXX- {$1300.00} XXXX. # XXXXDEPTEDXXXX- {$1500.00} XXXX. # XXXX-DEPTEDXXXX- {$5000.00} XXXX # XXXXDEPTEDXXXX- {$3500.00} 15 U.S.C 1681Section 602 A State : i Have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its Also State a Consumer Reporting Agency can not furnish a Account without my written Instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I deposited a check into Navy Federal Credit Union Mobile deposit requesting Lawful money for any and all past, present and future funds deposited into or transferred out of any accounts held in my name be redeemed in lawful money per 12 USC 411, 95a ( 2 ) for a special deposit. I tried to sign into my account and it was restricted and instructed me to call the branch and when I did that resulted in them closing my account without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to  XXXX   XXXX    XXXX   Since insurance company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

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