BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I am submitting this complaint because student loan keeps reappearing on my credit report. This reoccurrence has been going on since 2018. I have submitted numerous police reports, FTC reports, affidavits over these XXXXyears and these accounts keep being allowed to be reappear. If the bureau look into my account, these accounts are removed and blocked and then reasserted under a different name, but same department of education umbrella every few months. 

I do not now, nor have I ever had any financial obligation to these loans. The department of education have also sent in letters to each bureau, confirming these accounts to not belong to me. There is no legal proof of validation, just continuous reassertion for years. 

These accounts are now hindering me from pursuing future financial business and personal venture as it appears I'm heavily in debt when I am not! please remove and block the department of educationXXXX XXXX XXXX XXXX XXXX For the % th time i will attached a 5th police report/ftc/identifers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
I, XXXX XXXX XXXX XXXX, a natural person, am competent and of age with facts regarding the transaction herein stated, and I am currently under XXXX XXXX XXXX XXXX from NAVY FEDERAL CREDIT UNION, I affirm and state that the following are true complete and accurate to the best of my abilities and do declare the following : 1. On XX/XX/XXXX I sent a Billing error notice and refusal to pay, certified mail return receipt requested ( see EXHIBIT XXXX AND XXXX ) and requested explanation for the erroneous misrepresentation on the statement ; 2. On XX/XX/XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) claiming that The item remained unchanged from processing my dispute. This is a violation because the item failed to show that they were dispute at that time ; 3. On XXXX XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) which appeared to show adverse information regarding the amounts previously refused due to irregular billing practices. The account still was not updated to show that I disputed the information until after the adverse information had been added. 

4. As of XX/XX/XXXX NAVY FEDERAL CREDIT UNION has violated my privacy and used XXXX like tactics to violate the integrity o my information, ignoring request to only communicate about my account via the U.S. mail to avoid any misunderstandings the company has ignored requests from my Attorney General Office and when I asked them to clarify what type of balance, they never tell me, it is my opinion and belief this balance is a credit balance and I have asked for refund but did not receive any valid response. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 
Executed on XX/XX/XXXX /s/ XXXX XXXX XXXX XXXX XXXX XXXX natural person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my condo in XXXX MA in XXXX 2012 in a short sale. Nationstar Mortgage was the servicer on my 1st mortgage which was paid in full at the time of the sale. 
Three and a half years later Nationstar is showing up as XXXX separate dings on my credit report. XXXX dated XXXX indicated start of foreclosure although I was never notified of any such action and never received any paperwork upon sale of the property. The other item is dated XXXX is fraudulent. 
I want these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Upgrade, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I made a cash advance of {$600.00} on XX/XX/2022 which the company attempted to deposit on a closed account even though I put the new account on line they told me it was a mistake on my part, I never received the money, the bank which is the XXXX XXXX  informed me that the transaction dod not go through since the account has been closed since XX/XX/2022 and the money was returned to the sender which is Upgrade, I've called Ugrade XXXX times ( may be more ) and emailed them too, they asked me to submit a bank statement showing the account is closed which I did and followed it up with another phone call I was told some one will call me in XXXX XXXX with the result that was XXXXXXXX XXXX ago, the {$600.00} is posted on my account as deliquent there was a payment due on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I finally accessed my XXXX  credit report and shows on XX/XX/2023 that XXXX XXXX XXXX somehow accessed my credit info and did so without my knowledge and without my consent. this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, " XXXX XXXX ''. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX have a Us bank business Account number XXXX, and Routing number XXXX. Our XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX exemption status, Us bank business account number XXXX, Routing number XXXX are partially closed without the XXXX XXXX XXXX XXXXXXXX XXXX, authorization or merit. The Us bank business account XXXX are partially closed with {$21000.00} dollars on hold, inside the Us bank business account, and blocking XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Board of Directors access to the {$21000.00} Capital without any explanation. Us bank Corporate are using Unfair business practice, Deceptive Trade practice, and unfair competitive actions against our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Us bank Corporate Office, Unfair business practice against XXXX XXXX XXXX XXXX XXXX non-profit organization are deemed as a form of discrimination from within Us bank managerXXXX Branch XXXX This Unfair business practice action by Us bank XXXX XXXX XXXX XXXX XXXX XXXX are aimed to destroy XXXX XXXX XXXX XXXX XXXX XXXX, growth and expansion in the United States Of America 's Economic system.

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 2023-02-23
Company: Opportunity Financial, LLC
State: NV
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about Consumer Credit Transaction entered with your Company dated XX/XX/2020 I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; I demand a deletion of the chargeoff mark reporting to my report If you accept my request, I will not escalate this matter to Federal Court XXXX In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Opportunity Financial, LLC
State: OH
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:
Opportunity Financial , LLC has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: AL
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 accondance with the fair credit reporting act the list of accounts below has been viotated my federally protected consumer right to privacy and cinfidentiaty under 15usc 168115 U.S.C. 1681 section 602 A states that individuals have the right to privacy. The Fair Credit Reporting Act ( FCRA ) governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information. 15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C. 1681 Section 604 A Section 2 states that consumer reporting agencies ( CRAs ) can not furnish a consumer report without the consumer 's written instructions.

The Fair Credit Reporting Act ( FCRA ) requires that CRAs adopt procedures that are fair and equitable to consumers. The FCRA also requires that CRAs provide notice to users of consumer reports of their legal obligations.

The FCRA states that inaccurate credit reports can impair the efficiency of the banking system. Unfair credit reporting methods can undermine public confidence, which is essential to the banking systeI And item repreat by more then seven years XXXX XXXX XXXX XXXX account number XXXX last acitivty date is inaccuate XXXX XXXX XXXX XXXX XXXXXXXX remarks are inaccuate XXXX XXXX XXXX court is inaccuate show up on two of the credit reporting but the thrid XXXX XXXXXXXX XXXX XXXX the amount due is wrong And the rest are either showing up on one and not the other This has really put stop on me getting a houses or car I need and you can see all the inaccurates on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hello, to whom it my concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I would like to thank you for the opportunity to address my concerns regarding Law Offices of XXXX XXXX XXXX, XXXX. representing Mountain Land Collection. ( Debt collector ) This 3rd party law office has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) On 2/25/2021 I ( consumer ) have received a Statement in the mail referring to an allegation of an alleged debt from this debt collector. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) During this initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) This Debt collector has communicated with me at an unusual place without prior consent from me, which I would like this Law office to provide me my writing consent of such action. If request can not be provided this will be an illegal action of 15 usc 1692C ( a ) This so could law office has harassed me to coerce payment on a debt they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This Debt collector has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt and ceased communication on 1/29/2021 to Mountain land collections inc, and still have not received the 5 validation request I asked for, in fact this law office has claimed the Original creditor was epic Emerg Phys integrated which I ( consumer ) was the original creditor. This is a violation of 15 usc 1692g ( 5 ). Debt collector is still commutating with me after i have cease communication with them. this is a violation under 15 usc 1692c ( c ) I have received statement via mail from Debt collector disclosing symbols, which in fact disclose they are in the debt collection business, which is a violation under 15 usc 1692f ( 8 ) debt collector has furnished unlawful information portraying to a collection on my consumer reporting file without my consent. Im am very stunned with this law office breaking the law to coerce payment for their benefit to Undermine the consumer. I will be taking legal proceeding if action is not done to my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am the XXXX and XXXX  of XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, " XXXX XXXX ''. XXXX XXXXXXXX XXXX XXXX XXXX # XXXX have a Us bank business Account # XXXX, Routing # XXXX with an account balance of {$110000.00}. XXXX XXXX XXXX XXXX Us Bank business account are being partially closed by the Us bank manager at the XXXX, California Branch with no merit. I am a XXXXXXXX XXXX XXXX XXXX trying to develop a Economic system to work for me and my associate family. However, I believe Us bank are trying to derail my business, XXXX XXXX XXXX XXXX. I believe this Unfair business practice, Deceptive Trade Practice, and Unfair Competitive actions are raise against my XXXX XXXX business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California. I also believe Us bank Corporation are discriminating against XXXX XXXXXXXX XXXX XXXX, and all our Board of Directors from within aiming to stop are XXXXXXXX XXXX business growth and expansion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Westcreek Financial
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and noticed a account that resulted from identity theft. In XXXXXXXX XXXX XXXX  someone created a account with a company called westcreeck financial in the amount of XXXX. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I am writing due to non-compliance with XXXX, XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged recently. I strongly believe that they are in violation of the XXXX and are outright refusing to uphold the law. It has been more than XXXX days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( XXXX ), a credit bureau is required to respond to you and complete their investigation within XXXX days. If they do not respond within this time frame, they must remove the negative listing disputed items.

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 2021-12-24
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:
I WOULD LIKE THIS ITEM REMOVED FROM MY REPORT. I HAVE ALREADY DISPUTED THE ITEM AND THE BUREAU HAS FAILED TO REMOVE THE ITEM IT NEEDS TO BE REMOVED IMMEDIATELY.

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 2023-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ( XXXX XXXX ) stayed at an apartment complex titled XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I kept up with my payments and never missed a payment. I moved out XX/XX/XXXX, but was sent an invoice for a bill of {$93.00}. I paid this bill to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have a final account statement given to me by XXXX XXXX XXXX which proves that I paid the {$93.00} on XX/XX/XXXX. For some odd reason XXXX XXXX XXXXXXXX XXXX sent this debt to a collections agency titled XXXX XXXX. The Debt is now in collections on my credit report and is currently hindering me from completing a cash-out refinance which I need to complete. I disputed this collections debt to the credit bureaus. XXXX immediately removed this collections debt from my credit report, but Equifax will not remove this debt from my credit report. I do not understand why Equifax will not remove this debt from my credit report when XXXX would. It shows in black and white on my Final account statement given to me from XXXX XXXX XXXXXXXX XXXX that I clearly paid the {$93.00} debt on XX/XX/XXXX. I spoke to XXXX XXXX and explained to them that I had paid the debt to XXXX XXXX XXXX XXXX and they were very rude and did not care and they made be pay the debt again promising it would be removed from my credit report if I paid again. I was so desperate that I ended up paying XXXX XXXX again in hopes that they would remove this debt from my credit report, but unfortunetly equifax will still not remove this debt from my collections report. This debt on my collections report is hindering me from doing a cash-out refinance which is flat out wrong and against all my rights as a customer. Please have equifax remove this debt from my credit report so that I may complete my cash-out refinance. Thank you very much. Please protect my rights as a consumer. This is very cruel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CONVERGENT OUTSOURCING, INC. has paid the XXXX to report a collection on my consumer report. I was never sent any information to challenge the validity of the alleged debt. This has damaged my credit and has caused me to be denied extensions of my credit and caused me to pay higher interest rates and fees. I did not consent to contract with this company nor do they have permissible purpose to have my information which could be considered fraud and identity theft.

Company response to consumer: Closed with explanation