BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit Union verified that I applied for a credit card 12 years ago that was never issued to me. A review of my credit report shows that Navy reported derogatory information on my credit report that does not belong to me, which is impacting my credit report and hindering me from obtaining employment. 

I spoke to several representatives that have confirmed no credit card was issue, but I am unable to get them to provide a written statement confirming that there was never issued to me and that it was fraud or an error by Navy Federal Credit Union. 

I am requesting a written statement confirming that there was never a credit card issued to me and that it was fraud or an error by Navy Federal Credit Union. 
I need this information immediately, for my background check to move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2018 I sent a dispute involving Identity theft to the three major credit reporting agencies via mail and I have heard nor seen anything in correspondence towards resolving this situation. I have been a victim once and feel as if the same problem will haunt me and my personal progression in life.

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 2018-08-23
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The name of the collection agency I want to file a complaint with is called JPL Recovery Solutions. Their phone number is XXXX XXXX XXXX. The name of the particular representative is XXXX XXXX. They keep calling my employer and actually speaking with my Supervisor and Hr department. They say they want to fax over a request to garnish my paycheck. However, then they ask if they could be transfer directly to me. So they could give me one final chance to pay my debt. However, I told them I cant take personal calls on my work phone number, as my employer does not permit it. They still call my work number after I repeatedly told them not to. I also ask them to provide a statement showing that their agency does have my debt, they deny it. Saying they already sent it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Complaint is against Experian credit monitoring service. Good luck cancelling I called customer service and had to wait for 1.5 hours to reach a customer service representative and cancelled my membership at the end of XX/XX/2018 with a statement that my service would be available until XX/XX/XXXX when the monthly cycle was to end. On XX/XX/2018, my bank account was charged in full ( {$26.00} ) for a new month of service. On XX/XX/2018 my bank account was charged in full ( {$26.00} ) for a new month of service. When I attempted to call again on XX/XX/XXXX, the estimated wait time on their multiple customer service phone numbers were all over 2 hours. I have subsequently sent an email request with hopes of getting my membership cancelled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Tribal Lending Enterprise, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A payday loan was obtained with my personal information without my knowledge or consent. The loan amount was {XXXX} and deposited directly into an account with XXXX XXXX where I do not have an account and when I called them and gave them the account number I was informed that the account was not in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
They ignore all request ,They ignore Federal Judge XXXX XXXX ,They ignore their attorney  XXXX XXXX  XXXX XXXX XXXX XXXX They ignore my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested an Amortization schedule  or a payment schedule so that I might know how much has gone to interest and how much has gone to the principle And what is my remaining balance  Planet home lending has never in 8 years even given any form of payment  Making it totally impossible to refinance  Their attorney XXXX XXXX  has approached Planet home lending LLC  requesting the amortization schedule  ,And has further noted they do not know how to make up that statement

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received notification from XXXX XXXX Telling me that someone had intended to open a XXXX XXXX credit card on my name, it was declined. Then I received and email from XXXX XXXX telling me that they had detected several attempts to use my personal information to open several accounts as well as my personal information was stolen and sold to third or forth parties. Please look into this matter and let me know. For yor information, I know that my credit rating is poor and I have not applied for any credit in more than 4 years. Thanks for your time and consideration and may the XXXX XXXX be with you.

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 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
1. In a letter dated XX/XX/2018, I requested XXXX XXXX XXXX XXXX ( " XXXX '' ), my  mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX  and XXXX ; and 120 days late to TransUnion. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, XXXX 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, XXXX, and TransUnion credit reports on XX/XX/2018, well after XXXX 's deadline of XX/XX/2018. Again, XXXX was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified XXXX that it had not placed a notice of dispute on my XXXX, XXXX, and TransUnion credit reports within 30 days. Thus, federal laws requires XXXX to completely remove the items reported late from each of my credit reports. 

4. XXXX still has not complied with federal law. The late reportings are still on each one of  my credit reports and I want them removed.

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 2022-10-05
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX date XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXInquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX CARD-Inquiry date XX/XX/XXXXXXXX XXXX BANK-Inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX  XXXX NA-Inquiry date XXXX XXXX ) XXXX RESIDENTIAL-Inquiry date XX/XX/XXXX XXXX CO XXXX CARD - Inquiry XX/XX/XXXX XXXX- Inquiry date XX/XX/XXXX FXXXX XXXX - INQUIRY DATE 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 non-monetary relief
Consumer complaint received 2018-08-22
Company: JPMORGAN CHASE & CO.
State: FL
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 book hotel through XXXX for XX/XX/2018 check in XX/XX/2018 check-out one night. 

Itinerary # XXXX Confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX United States of America Problem starts at check in i did wait 3.5 hours to to get to check in desk as soon i aproach desk person working there inform me that they do not have any rooms left. 
So i did protest and after 30min they find room for me it was allready XXXX when i get that room. 
So i did call XXXX to refund me because service is not rendered in timely manner they refuse it, so i did call my chase credit card they refuse to help also. 
Hotel charges was for {$250.00} USXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Experian Information Solutions 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:
I have been 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 non-monetary relief
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: GA
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:
I tried to dispute some incorrect information on my Equifax credit report via certified mail with receipt ( signature ), but Equifax did not comply. Instead, Equifax sent me a letter stating that they were unable to locate my credit file even though I provided my name, SSN, address, and account numbers. So, I called Equifax by phone and they successfully verified me through a series of questions and they were also able to locate my credit file. I asked the representative why did they return a letter saying my credit file could not be found.The representative told me that someone in the mail room could not locate my credit file. I was so shocked! I didn't know that the Equifax compliant department operates in the mail room, must be a joke! All the letters will be attached. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
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: Account information incorrect

Complaint:
I have written to both Experian and XXXX credit agencies to challenge the reporting and compliance of an open account that is reporting under a incomplete account number ( XXXX ). There are ( 2 ) accounts reported by XXXX XXXX with the same partial account number and the information that is reported is misleading. 

More specifically, I am referencing the fact that the information XXXX XXXX is reporting to both my Experian andXXXX files has an incomplete account name, an incomplete account number, an incorrect account type, inaccurate account balance, missing field description of terms, missing filed high balance, missing filed comments, incorrect past due balance dates reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. 

As per section 609 of the Fair Credit Reporting Act the CRA is required to report the entire account number and a 100 % accurate account information. Please remove this inaccurately reporting account from my ( 3 ) credit bureau files.

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 2018-08-22
Company: Harris & Harris, Ltd.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every week for the last two months or so I get a robocall from Harris & Harris Ltd., a debt collection company. The phone number they leave is XXXX XXXX. Since I have no debt and a credit rating above 800, I find this very annoying. I noticed on the internet that other people have been similarly harassed. I would like them to put a stop to this harassment. Please help. 

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 2018-02-23
Company: ECMC GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have filed BK it got discharged XX/XX/2017 I contacted XXXX to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit

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 2019-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I was on my bank account and I saw a transfer for {$7400.00}. I immediately called the fraud department and filed a claim with XXXX. He froze are account that night. The next day I went on my account and noticed they paid it. I immediately called them again and talked to XXXX. He told me it was pending so they paid it. A gentleman from the fraud department called me about three days later and asked me information about are internet provider. I told him we have unwired broadband for are home and XXXX for are phones. He told me that the transfer wasn't from are XXXX and they were investigating more. So three weeks went on and we heard nothing from Bank of America. So we went to the bank and talked to XXXX XXXX on XX/XX/2019. We sat down with him and closed out that account and opened a new one. While we were going through all the information, he read back are phone numbers and there was a phone number on there that didn't belong to us. I believe it was a XXXX area code. XXXX proceeded to remove that number and called the fraud department. He told us are money would be back in are account the next day. So we left it at that. We have been to the bank numerous times and don't seem to get any help. Three weeks ago my husband went to the bank again and spoke to XXXX XXXX again and they put him on the phone with fraud department. They proceeded to tell my husband the declined are complaint and said it was are IP address. They said they tried calling us at the XXXX number. I have been a customer of Bank of America for 29 years. I have had the same number for 17 years. XXXX XXXX said he removed that number because it wasn't ours. They also told us they would call us back. We haven't received a phone call, email or mail from them. I sent a email to XXXX XXXX. The lead investigator for fraud and she will not respond to us. I tried calling she is always busy and wont return our phone calls. We are starting to think this is an inside job. We can't get no where. We want are money back. We told them we want proof of there findings and want to appeal there decision. A friend of ours told us to us to contact you guys were hoping it helps. If not we are ready to hire a lawyer. We did not make the transfer and if they would investigate they would see we didn't do it and that number has no association with us. We just want some answers. Also we have a filed a case with XXXX XXXX XXXX department.

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 2018-11-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from Experian. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  All Banks - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX  ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX  XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX  ) XXXX  XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2019-02-18
Company: Mendelson Law Firm
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a Judgment letter for XXXX signed in Arkansas for medical Bill 's I do not owe

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 2018-02-23
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested mortgage modification with my mortgage company The Money Source I've submitted my financials and the request to modify my mortgage. 
My home is in foreclosure and I don't want to lose my home. I was recently laid off from my employer and I'm currently unemployed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Mark A. Kirkorsky, PC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been paying being garnished out of my check for co-signing for a car for somebody else I have been paying ever since 2015 they keep switching lawyers and the price in the attorney fees keep going back up keeping me at a balance of {$9000.00} which never goes down but they're not recording all my payments since 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
PNC Bank charged extra interest ( {$1.00} ) for multiple months ( XX/XX/2019, XX/XX/2019, and XX/XX/2019 ) after I paid off a cash advance balance ( from XX/XX/2019 ). This issue was not resolved until I called the company after three additional interest charges were collected on a XXXX balance due to minimum interest charges. While the company ultimately refunded two of the months this issue would have continued due to PNC 's lack of a controls and monitoring over recurring " minimum '' charges. I only caught the charges since they were incurred on the last day of the month, but if they had been mixed in with lower charges during the period I may not have noticed and this would have resulted in additional charges. The company did not offer compensation or a sufficient explanation why the charges were not stopped at the time the balance was paid and I am concerned that PNC Bank does not have proper monitoring to catch issues like this going forward.

Company response to consumer: Closed with explanation