BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX issued a debt instrument in the amount of XXXX ( negotiable instruments ) to Navy Federal credit union as the consumer. Nfcu declined my request for credit due to a credit report which is totally against my consumer privacy rights. Nfcu also used that information to determine creditworthiness which is a violation against my consumer rights and fraud.This is very disturbing because Nfcu has a charter here to serve the people and the constitution which are THE PEOPLE. THEREFORE I AM THE ORIGINAL CREDITOR U.S.C TITLE 1681a. Nfcu is in violation of there Fiduciary Duty to the consumer.I have fully lost faith in the banking system for misrepresention of Debt instruments ( U.S.C title 15 1692c ) when all debts are due to the United States. This is decit and fraud Nfcu is In fact in so many violations to me as the CONSUMER. To relief my pain and suffering due to Nfcu neglected to uphold the LAW AND THE CONSTITUTION I request that Nfcu release my credits owed to me as the consumer the credits I issued as the consumer in the amount of XXXX. I claim all rights, titles interest, and equity on promissory note issued to nfcu on XXXX XXXX XXXX for the amount of XXXXNfcu has caused a great deal of stress making it hard for me to provide the necessary items for my household and family needs through there decit. I WILL TAKE FURTHER ACTION IF NFCU DOES NOT HOLD UP THERE FIDUCIARY DUTY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 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. I have contacted XXXX, XXXX, and Experian about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.

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 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Any time I apply for any type of credit card I am always told I have insufficient activity and I am denied So their for I have never been able to get one When looking at purchasing a home with my husband of 25 plus years they said I had no history, but I purchased a vehicle, and to apply with card company that helps to establish credit, I WAS DENIED BY 5 card companies and still havent received any reason as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Information belongs to someone else

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 U.S.C 1681. ACCOUNT Name : 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. 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank is crazy and unfair with me they are violating fcra laws they are rude to me tell me weve ended credit relationship this is so unfair in the past they would Close all my accounts out because of tok many now I cant have one this is not fair when they are harassing me sending me promotional emails to apply and earns miles and gas

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 2019-03-12
Company: EQUIFAX, INC.
State: NY
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:
Few hard inquiries in my EQUIFAX report, EQUIFAX refuses to remove even though the creditors confirmed to them and me that those inquiries are fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XX/XX/2020 PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in English but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. Finally I decided to wait the 180 days for get my money but in this circumstances PayPal still keep my money for more than 270 days. 

my account doesn't have any dispute or chargeback after XXXX why they don't want gave me my money. i hope PayPal don't act like scammer company. 

my email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: CFM Group LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted late last week about a supposed debt I owed on behalf of my company. Never received any documentation or correspondence prior to this debt collector calling the business. Since I had switched banks, it seemed plausible that it may be correct. I have him my email address and told him to email me evidence of what he was saying. In the email he sent with evidence, he said I have 4 days to pay this amount in full before it goes to the credit bureaus as a collection. Thats giving me 1 week to make the payment in full. A payment that I havent even verified I owe yet. 

This seems ridiculous and like a strong arm tactic to try to get someone to pay something they may not even owe. Obviously, if I owe the debt Ill pay it. But not within such a short period. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought XXXX {$500.00} visa gift card at XXXX on XX/XX/XXXX. When it opened them I noticed XXXX of the gift cards have a fake barcode sticker covering the real barcode. The gift cards are sealed in a package showing only the barcode. Cashier scans the barcode to load money and activate the card. So I tried to check the balance and as I thought the XXXX gift cards were not activated. Called Incomm on XX/XX/XXXX and submit a claim ( # XXXX ) with copy of the receipt and gift cards. Said they will contact me back in 10 days and its been 11 days. As I research online I see a lot of people have this scam happened to them. The way how the fake barcode is placed and how the package is sealed it must be an inside job. As you can see from the picture the glue was on top of the fake barcode sticker so it must've been placed on before the package was sealed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX is reporting an inaccurate address and name for me. 
I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. 
I have disputed this and it is still on my credit. 

Experian is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap

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 2023-02-10
Company: Maximus Education, LLC dba Aidvantage
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My employer was sending payments into initially XXXX - then later Aidvantage took the money- cashed the checks and applied none of the {$44000.00} to my account- the money has gone missing. The loan was serviced by XXXX  Even though the checks were made out to XXXX, Aidvantage just signed the checks and cashed them. Stole the money and didnt apply it to my loans. 

Company response : " Our review confirms that the payments in question were all refunded to the remitter at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX " However they never refunded the payments. XXXX XXXX XXXX XXXX XXXX received nothing and Aidvantage still has not provided any documentation regarding the refund. The only thing they provided was an unsigned spreadsheet without a letterhead and no contact information. 

Reference prior complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is an attempt to correct my Equifax, XXXX, and XXXX credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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 fair credit reporting act ; Companies Name & account Number XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ; Hard Inquiry Filling date XX/XX/XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 ; It also States a consumer reporting agency can not furnish a account without my written Instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: MO
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$140.00}, dates open XX/XX/XXXX closed 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 2023-02-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debit has not been verified and put on my credit then taken off after dispute then added back again.

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 2021-09-19
Company: Thrivepoint Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am trying to pay off an existing XXXX loan but I have no documentation or paperwork of what company took over the loan. I never recieved an account number yet the XXXX County tax collector will not respond who holds the load so i can get a payoff amount. This is not a fair lending practice as I was advised upon taking the financing that there was no pre-payment penalty but now I can not get that information. the old website goes to the company XXXX who I have not received any correspondence back from either.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 used my credit card to purchase sensors from XXXX XXXX XXXX. And then after paying them with a check from my monthly bill. They billed my credit card for the same amount again. And I never gave them permission to use my credit card for billing. I called Capital One and they started a fraud case. They said that they would send me out paperwork to fill out. They never did send out anything for me to return.They did however send me a letter. Saying because I didn't provide them proof. They were giving them the money. And I told them I never authorized them to use my card. And they were helping them commit fraud. So I closed my account with them. I have never seen any credit card company approve a transaction a customer didn't. If you don't see something wrong here I wonder. I thought it was my credit card not Capital One 's. I didn't know they got to approve what I purchased with my card. Maybe they should make the monthly payments too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: American Credit Acceptance, LLC
State: FL
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:
I reached the end of my loan back in XX/XX/XXXX. They had not been reporting to the credit bureaus since XXXX XXXX  XXXX. I have since gotten them completely removed from my credit report as of today XX/XX/XXXX. I spoke to them XX/XX/XXXX to work out a plan to bulk pay on the rest of what I owe im equity. They mentioned for them not to repo the car I would need to make {$490.00} payments every time I get paid ( Bi weekly ) which I can't do. My concern is that paying them isn't getting reported, and trying to make me pay them every 2 weeks seems predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Reporting company used your report improperly

Complaint:
I have attempted to receive a response by writing but i did not. Inaccurate late payments are hurting my score and according to 15 U.S. Code 1666b - Timing of payments ; they must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2021-09-19
Company: TD BANK US HOLDING COMPANY
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:
These companies are reporting inaccurate information on my credit profile and doesn't have the right to.

Company response to consumer: Closed with explanation