BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Admin Recovery, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX Ct XXXX XXXX, NV XXXX Subject : Complaint against Admin Recovery LLC Dear XXXX, I am writing to file a complaint against Admin Recovery LLC XXXX who I believe has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The debt in question has not been properly verified by Admin Recovery LLC, despite my request for verification. The details about the original debt and the amount owed have not been clarified to me. 

On multiple occasions, the agents of Admin Recovery LLC have refused to send proof of the debt, stating they will not settle even though I have sent a letter to that effect. They have also disclosed information to a third party, which I believe is a violation of my rights under the FDCPA. 

Furthermore, once I had informed them about filing a complaint with the FDCPA, the agents stated they would no longer communicate with me. They refused to assist or accept payment and threatened to negatively impact my credit score. 

I believe these actions are violations of the FDCPA, which requires debt collectors to provide verification of the debt, prohibits disclosure of debt-related information to third parties without the debtor 's consent, and outlines fair and respectful treatment of consumers. 

I respectfully request that the CFPB investigate this matter and take appropriate action. Please inform me of any steps I need to take to assist in this process. 

Thank you for your attention to this matter. 

Sincerely,

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 2022-10-25
Company: Experian Information Solutions Inc.
State: NJ
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:
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 need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/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 explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: IN
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2023-05-16
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
As of XX/XX/XXXX, I contacted Navy Federal Credit Union, regarding the maturity date of the loan. I was advised the last payment was on the month of XXXX of XXXX. I started payment on this used car auto loan as of XX/XX/XXXX, the loan term was 72 months, due to financial difficulties including during the covid lockdowns I had no choice but to request a deferral, I was advised those payments will be added to the end of the loan, therefore they extended the loan from 72 to 82 months, which documents of the deferral were not available to me during that period. When I contacted the bank on the above date mentioned, I asked if the last payment is on XXXX why do I have a balance left of XXXX, they said thats from the deferred payments owed including interest. This is extremely confusing to me since the bank is trying to get me to pay by XXXX that lump sum or refinance and pay XXXX $ for 24 additional months that would be a total of 8 years and 10 months which is longer than 82 months. Since XXXX I have requested documentation regarding the deferral, such as when I requested the deferral, when I started payment and when does payment of deferrals end. I was told XXXX times by XXXX different agents including a supervisor the documentation has been mail and I will receive it in 7-10 business days. I contacted the bank today XX/XX/XXXX because XXXX yet to receive the documents. I spoke to a supervisor and she sent them in my banking mail center today since I havent received them by mail. Im still questioning why they extended the loan for 82 months only to add additional months. I was also explain I was being charged everyday interest for those deferred payments. I understood during Covid shutdown getting a deferral would help but instead is hurting me because I have one income and thats XXXX. I shouldnt owe nothing else after 82 months. I need guidance I believe NFCU is taking advantage of me. Also because agents didnt have a way of explaining for my purpose I recorded the conversation. I attached what I received today from my online banking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
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:
I AM A VERY RESPONSIBLE PERSON, AND I DONT LIKE TO HAVE MANY CREDIT CARDS AND I DON'T CARRY A BALANCE ON THE FEW CREDIT CARDS THAT I HAVE. ON MY XXXX XXXX XXXX XXXX WHICH WAS OPENED BACK IN XX/XX/XXXX, FOR THE MONTH OF XX/XX/XXXX ITS REPORTING A LATE PAYMENT, WHEN IDDINT EVEN HAVE A BALANCE ON THAT CARD. I CALLED THE COMPANY AND THEY ARE NOT SURE WHY THERE ARE REPORTING A LATE, I CALLED THE EQUIFAX BECAUSE THATS THE ONLY BUREAU REPORTING THE LATE PAYMENT AND TEY SAID THATS WHAT THE CREDITOR IS REPORTING, EVEN THE REPRESENTATIVE AT EQUIFAX WAS CONFUSED WHY THERE IS LATE REPORTING WHEN THERE WAS NEVER A BALANCE ON THAT CARD. I HAVE BEEN GOING BACK AND FORTH BETWEEN EQUIFAX AND XXXX XXXX XXXX TO HAVE THAT WRONG NEGATIVE REPORTING REMOVED FROM MY CREDIT REPORT AND NO ONE SEEMS TO CARE TO HELP ME. I ONLY HAVE 3 CREDIT CARDS AND ALL 3 CREDIT CARDS I HAVE XXXX BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In a letter dated XX/XX/XXXX, XXXX XXXX A Department of Education Servicer for Federal StudentAid, An OFFICE of the U.S. DEPARTMENT of EDUCATION, informed me via email that the Biden-Harris Administration had forgiven my federal student loan ( s ) in full as of XX/XX/XXXX. And, XXXX has notified, or will notify by the end of that month ( XX/XX/XXXX ) all national credit bureaus of your student loan forgiveness. This has not yet occurred. Even after disputing the information and providing a copy of the forgiveness letter, all 3 of the major credit reporting bureaus still show the account as active with a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I completed a mortgage application on the Truist website. At the time I had until XX/XX/XXXX to check my credit for a mortgage without any additional penalties. On XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Originator/ Truist pulled my credit for a mortgage, 12 days after my request. I have called several times and sent several emails requesting that they report the error to the credit bureaus and my request have been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: United Resource Systems, Inc
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
You are reporting debt I don't owe. I have sent letters to all debt collectors and original merchants and you still report me illegally. Produce original documents. Now that I complained I am sure you will move the fraudently debt somewhere else. This is absolutely disgraceful. I want this debt removed it's fraud. You never once even reached out to me. Don't now that I have complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
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:
My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This should be a very simple request but, it has been a complete nightmare. I am in the final stages of closing on a refinance loan with another loan company. I have a HUD government loan that will be forgive providing, I have not been late on the loan. 

XX/XX/2018, I requested my payment history from Ditech. Ditech has sent the printout for my payments from XXXX to present in-which, I have NOT been late. 

Here in lies the problem ... .There is a UAF / Susp field on the printout. The HUD loan processor denied the loan, thinking they are late charges. I asked Ditech to send a Verification Mortgage Letter that clearly shows that there are NOT, and has not been any late charges. The HUD loan processor needs a letter to state just that and will not except a conference call ONLY a DOCUMENTED LETTER. 

Ditech tells me we CAN NOT!! send a letter like that explaining the UAF / Susp field. We can only send the mortgage verification letter. I don't know why a letter can not and will not be created to explain that this UAF /Susp field has nothing to do with my account!!! 

I am suppose to close in 3 weeks and have been struggling to get a letter. I have called and written to corporate and still NOTHING!! I just need the letter to state I have never been late and the UAF / Susp has nothing to do with me. No one will create this letter. What company can not create a letter to explain the field. I am beyond despondent!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received an American Express Mariott Bonvoy card without me requesting it never, nor I used ever in my life this hotel ( Mariott Bonvoy ) also I got notification by email that my request to open a card was approved ( XX/XX/XXXX ) and then when my card was delivered ( XX/XX/XXXX ) also an email notification. The card was sent by XXXX. I am attaching the photos.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An agreement with Credit Corp Solutions Inc Was done and paid for the amount of {$500.00}. XXXX XXXX. XXXX XXXX XXXX XXXX account received the agreement amount of {$500.00} paid in full on XX/XX/2023 file XXXX. Final documentation to close this case is not send and clear from Public record. I call them and they told me that I dont need to call them for anything to call my attorney representative. I would like them to finalize the process in a timely manner the same way I did make the payments with their rules to be in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: SYNCHRONY FINANCIAL
State: FL
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:
Recently while observing m y credit score a nd account overview on my  XXXX   XXXX  app, I came across  XXXX  hard inquiry listings on both my  XXXX  and   XXXX    reports. On my   XXXX   report, there is an inquiry dated from  XXXX   XXXX ,  XXXX  and the inquiry is with Syncb/amazon. This was never an authorized inquiry, no r one that I have ever been familiar with. I would like it removed from my credit score, as it states  the estimated removal date is  XXXX  of  XXXX . The other hard inquiry, which is on my   XXXX   report is an inquiry from  XXXX   XXXX ,  XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my  credit score. This spe cific inquiry states it is from  XXXX   (   XXXX   XXXX   XXXX   XXXX  . ) a nd will be removed at an estimated date of  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 2023-10-19
Company: ARTICLE ACCEPTANCE COMPANY
State: CA
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:
This company is reporting inaccurate and incomplete data to the major credit bureaus for years XXXX thru XXXX reflecting the date of first delinquency. The account is reported as opened as of XX/XX/XXXX and is still reflecting on my credit profile past 7 years in violation of FCRA. 

The credit bureaus are in violation of the FCRA by reflecting inaccurate and/ or incomplete data on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today, XX/XX/2021 XXXX XXXX XXXX  illegally changed the locks on my property, One of the inspectors sent notes and photos to my mortgage service company, Community Loan Services on XX/XX/XXXX or XXXX, 2021 indicating that my home, which I currently reside in, was vacant. The notes stated a empty trash can and leaves in the yard as a reason. After ONE attempt to view my property. No attempts were made to verify this as fact. Thankfully my dog was here prompting the XXXX XXXX XXXX working to call Animal Control stating that a dog was left in my home that was going through foreclosure. This is a lie. No foreclosure proceedings have been initiated for my home. I verified this today XX/XX/2021 with the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Credit Karma, LLC
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been attempting to reach out to Credit Karma about disputes needing to be filed on my XXXX XXXX 
I first reached out to Credit Karma on XX/XX/XXXX to attempt to speak with customer service after their live chat agents kept directing me to the email address. 
The problem, in short form, is this : There are 20+ fraudulent, unauthorized transactions on my debit card/checking account that occurred as a result of a lost/stolen debit card. I filed a dispute successfully for ONE charge in the app, but after doing so, the app would not allow me to file additional disputes, and kept directing me to the live chat if I needed to file more. 
Live chat agents are USELESS, and kept telling me it had to be done in the app through the process I used for the first - but again, it won't allow this, and still won't 11 days later. 
I made it very clear to Credit Karma agents that I can not call them on the phone- I am in the process of having pretty XXXX XXXX XXXX, and as a result, my XXXX XXXX XXXX XXXX and will be for months. I clearly, for obvious reasons, can not wait MONTHS to dispute these transactions and get the hundreds of dollars that was stolen from me back - nor can I wait that long to dispute transactions due to banking policy reasons, of course. 
I asked if there was a way for me to file the disputes besides the app feature, since it is clearly not working. 
I was told they can not file them over chat, and was given the email. 
In numerous emails Credit Karma claims they also can't file the disputes over email - which makes NO SENSE, I clearly outlined the dates, amounts, and vendor names of each transaction that needs disputing, just put the disputes in, it isn't rocket science! 
I was told the only way to do it is over the phone, which is not physically possible for me, I literally CAN'T verbally talk due to my XXXX. 
They claim to not have a mailing address to send forms/documents to file the disputes either. 
It makes no sense to me that in XXXX they don't have a single way to file disputes against fraudulent transactions aside from a terrible broken app function that won't work and directs me to - you guessed it, dispute over live chat! Which they are pretending they can't do! - or over the phone. 
This is extremely bad practice and I expect this company to do their job and allow me to submit these disputes and regain my stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting 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:
These companies have inquiries on my report that I did not authorize. This is fraud. I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: ADP Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I worked for XXXX and got a new job working for XXXX. Wisely told me to upgrade my card when I switched. My first payroll deposit from XXXX was supposed to deposit and its been a week, zero funds have been deposited, they owe my my payroll deposit thats completely missing for around {$230.00}. They stole money from a minor. I need my payroll deposit returned to me thats now in limbo? You cant ever get ahold of a live person, ever. Theres no one to talk to and no customer service line whatsoever to talk to or help!!

Company response to consumer: Closed with explanation