BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-11
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
XXXX XXXX, XXXX XXXX THE XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and their affiliates have stolen my identity when I worked a summer job when I was younger for their company and they kept my information and used it against me and used my name, social, birthday for their benefit and deformed my character and misrepresented myself and my family and the community. They opened a credit cards, bank accounts, and mortgages and purged my family and my assets up against the property of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Il XXXX They forged my signature and my aunt 's signature after they entered us into a civil marriage They falsified documents and they put powers of attorney against us to act as our agents They attempted to take over our family business XXXX XXXX XXXX XXXX they acted as if we were doing business as XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The mortgage company Mr. Cooper reported that we were 60 days delinquent on our mortgage. This took my credit rating from XXXX to XXXX practically overnight. We have never been even a day late and the information is inaccurate. AND we were in forbearance until XX/XX/XXXX. 

We entered forbearance in XXXX and our forbearance agreement was understood to extend until XX/XX/XXXX. 

Mr. Cooper claims that we requested removal from the forbearance plan on XX/XX/XXXX, just 10 days before we were already expecting it to end. This makes NO SENSE. 

We then received a demand letter in XXXX demanding we pay & XXXX immediately to avoid default. We were shocked and confused ( and our XXXX payment had already been made ) but we paid it. 

I made multiple calls to Mr. Cooper to figure out what was going on and that's when we were told that my spouse had allegedly requested removal from the forbearance program on XX/XX/XXXX just 10 days before we were prepared for it to end. 

I have requested that Mr.Cooper retrieve the recording of that XX/XX/XXXX conversation. I am not sure whether this is a miscommunication or misunderstanding or whether something else more nefarious is happening. Many companies are outsourcing forbearance exits and there may be financial incentives for " pushing people off '' and demanding large payments all at once. 

I was told that I would not be permitted to hear the recording while they were investigating but that. their managers would review it and make a decision. 

We were in midst of what should have been an easy and quick refi with them. the mortgage broker and underwriter were moving quickly. We paid for an inspection of our house. Then our credit rating plummeted as a result of this erroneous delinquency being reported to credit bureaus. 

Again, we have never been late in our payments. Ever. So to have a delinquency report on our credit is devastating and detrimental. 

It also defies common sense that we would request to be removed from forbearance 10 days before it would officially end. In fact, we made a mortgage payment on XX/XX/XXXX in anticipation of resuming our regular payments and to ensure that you received the payment on or before XX/XX/XXXX, when it would be due. 

I have contacted Mr. Cooper and spoken with several agents in several departments and have requested immediate correction. I am still awaiting a correction. 

If I don't receive a favorable response, I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Their collection company have created their own their own file trying to collect fraudulently pretending to be someone else are representing a company that have given them or have sold them a debt and now they are administrating it like if it's been held in 18 Code U.S. 1581-Peonage obstructing if though they own a slave now. they are also violating the fair debt collection practice act by sending misleading and threatening male do the post office system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MI
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I, XXXX XXXX am a victim of identity theft.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted written documents stated. I have no knowledge and I have not authorized inquiries 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 2019-03-18
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm not even sure what debt they are talking about. There were calling me incessantly and would not tell me who they were. If I answered, they would transfer me to an automated message to leave my information. 

The only bill I thought could have been outstanding was a doctor bill from XX/XX/2018. I have called the doctor 's office and my insurance paid. I have a XXXX balance. 

I do not owe anyone any money ; I have impeccable credit. I have also just checked my credit report, in case of identity theft. My credit report is perfect. 

They are now calling my work number ; I am a XXXX XXXX and it rings in my XXXX. I have been forced to unplug the phone. 

The name of the company is Evergreen Professional Recovery, headquartered in XXXX Washington.

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 2019-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
This is my third complaint against XXXX XXXX at Capital One. He continues to close my account without thoroughly investigating. He sent me a copy of a form that looks made up and isn't my signature. I called him several times, but he did not answer. XXXX XXXX had a pig of a salesman who literally ran my credit multiple times without permission and XXXX XXXX declined my request to remove the hard inquiry. I reported it to my state attorney department that handles this and hopefully they take care of it. I will not stop until I get justice and get these illegal acts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for American Express Card XXXX XXXX card in XX/XX/2018 ( believe it was XX/XX/XXXX ). 

I called Amex ahead of applying for the card since this looked to be a new XXXX product. 
I was advised by an American Express Representative named XXXX that this card was a new product and she reassured me that I was eligible for this promotion. 

American Express failed to honor the promotion after making the minimum spend within the first three months. I made {$3000.00} in charges within the 90 day period as per the offer. 

Upon contacting XXXX I was advised the promotion was never added to my card and they were not going to honor providing the XXXX XXXX Points even though I made the minimum spend as per their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX account was cancelled in XXXX, yet collection agency is trying to say the debt is from XXXX. They are falsely renewing the debt every couple of years. This has to be illegal and has caused undue hardship 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 2022-05-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I co-signed with my son on a vehicle loan and the vehicle is in his possession and he makes the payments. On Monday XX/XX/XXXX, I received a credit report notification of a late payment on my Wells Fargo account for the months of XXXX and XX/XX/XXXX which needs to be corrected as I was not notified of a payment that was past due. I submitted a dispute in regards to the credit report of a late payment of 60 - 90 days because I was not made aware that the payment was late. Wells Fargo disputes this and claims I was notified by mail and phone. Wells Fargo changed the account address in XXXX of XXXX without my knowledge or approval and I did not receive account statements between XX/XX/XXXX through XX/XX/XXXX They claim the address change was received by the United Postal Service. I did not request this address change and I have not changed my residence address. On XX/XX/XXXX I payed the amount due and requested that Wells Fargo correct my address on the account. However they refuse to correct my credit report to reflect no late payments in XXXX although admitting they changed the address the statements were being mailed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CITIBANK, N.A.
State: NY
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:
You already have a copy of my correspondence to Citi on this matter. I am XXXX and saw online ad for electric scooter. On sale apparently by XXXX.I purchased item with Citi card. Ad said item to be delivered by late XXXX from California. Item never delivered so inquiry made with party who took and confirmed order ( in XXXX, to my surprise ). Response was that it had been delivered! FALSE! Told at various times in email exchanges to check post office, neighbors, customs office, mail box. Obviously these responses were ridiculous. Item this size would not be sent though USPS, nor need for customs involvement from California, fit in mailbox etc. Contacted XXXX and got immediate response : SCAM. I filed a dispute with Citi, got the provisional credit, but then Citi responds later that my dispute was DENIED. No information on lies given by scammer in XXXX. I sent a written response to Citi - a copy of which I sent to your agency- but I have not heard anything back from Citi. They are obviously ignoring my more complete complaint, even with evidence sent them.. When I learned it was a scam, I even had CIti cancel my card number and issue a new number card. ( Would I do that if there wasn't FRAUD involved? ). The amount of money was about {$44.00}. Not a lot but I am on fixed income.

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 2018-01-22
Company: Westlake Services, LLC
State: WA
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:
At the end of my loan ( XX/XX/XXXX ) I made my final payment and thought everything was done and over with. Then I see on my credit report 4 months later that my account wasnt listed as paid in full but listed as a charge off for {$40.00}. Resulting in my credit score tanking by 115 points. I called Westlake financial XX/XX/XXXX to find out what was going on and they said that they texted me in XX/XX/XXXX that there was a balance due. And that its my fault the account was charged off because I ignored the text message. My auto loan was for {$10000.00} and I paid 24 % interest for 4 years never missing a payment, and always on time. And now there is nothing I can do about my account being listed as a charge off for {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX5 U.S. Code 1681s2 - furnisher shouldnt report information that is known to be incorrect ; cost me to get denied waste money because my score is wrong 15 U.S. Code 1681 A 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 15 U.S. Code 1681 A4 violated my right to privacy My XXXX has more accounts than transunion Transunion Payment history:XXXX  Card usage:XXXX XXXX Derogatory:0 XXXX XXXX Payment : In pictures its doesnt add up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclay 's Uber Visa Credit Card Benefit in dispute : Cellular phone protection claim denied On XX/XX/2020, my XXXX XXXX cellular phone and backpack was stolen from me at the XXXX XXXX XXXX parking lot. Attached is a police report from XXXX County. A benefit with Barclay 's Uber Visa credit card is cellular phone protection in the event of theft, worth up to {$600.00} with a {$50.00} deductible. My claim was denied because Barclays said that because I put my backpack down, I " voluntarily parting '' with my device. I dispute this reason. Someone ran by and stole my backpack and XXXX XXXX. This should be easily covered by the benefits claim. I uploaded to Barclays all necessary documents : theft police report, Barclays credit card statement with the cellular phone bill on it, XXXX XXXX phone bill with matching charged amount.

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 monetary relief
Consumer complaint received 2022-03-08
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Just because I'm XXXX a slender in my name they being preference on at the end pertained to say that I use their account fraudulent when they gave me some money that they couldn't even explain how it got in my account they try to play me use me misguided me because I'm just able and I know always understand how a system can say that I got some money in my account if I don't have nothing in my account they try to use a room amount to say that I still have the mouth in my account I thought it was for the they are advantage to get back the money that they lost between the government and the people that sue them in the past history they are a bad Bank they need to be shut down and penalized for using their system against the person that set up account with them they doing bad business the new CEO XXXX & XXXX the inventors of the Bank trying to capitalize on this small investors that actually deposit make transactions and keep on making deposits they come up with errors in a system like they don't know they make false statements and summaries of past history it just don't add up at the end of the day and I got paperwork and alive witness that was with me to hear all the wrongful and unpertaining professionalism paperwork and a conversation with a branch manager seem like they just don't know what they talking about in the business terms of the bank information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the collection agency to obtain a settlement offer. The representative told me that I need to provide my income in order to determine if I qualified for a hardship settlement. I provided the representative with my income, and he asked me what my car payments behind, and I communicated to him that it was not. He told me that it was no way possible for me to bring in the income that I communicated, and that they would not be able to work with me. I explain to him that I had money in my savings account to help me with my bills. I also communicated to him that I do contract work, which means that my income varies based on the amount of clients that I see. He told me that they could only offer me 10 % as a settlement and that if I called back they would not offer me a settlement offer and this will report negatively on my credit. 
He told me that they could only offer me 10 % as a settlement and that if I called back they would not offer me a settlement offer and this will report negatively on my credit. 
I filed a complaint with their compliance department on the website, and no one has followed up related to the improper treatment from the representative.

Company response to consumer: Closed with explanation