BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several attempts have been made to resolve this matter. This account was apparently established in XXXX XXXX when I was XXXX in XXXX and XXXX XXXX It has continued too be reported on my credit report for the last 9-10 years. I have sent registered mail asking to validate the debt through a final demand which stated, Final demand to immediately remove all illegalTradelines before legal actions proceed under XXXX XXXX. XXXX. Registered mail was finally sent XXXX and XXXX on XXXX XX/XX/XXXX asking to Please remove from all three reporting agencies immediately. In addition, a formal request was made in the form of a formal letter -formally requesting that they validate all tradeline listings submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me under account numbers XXXX and that Due to possible inaccuracies in these credit reports, I demand that they hereby validate the request in the form of a verified statement by a person with original knowledge of the debt, who can testify under oath that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have beenpayable or reported. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. This is the third and final request to correct, any attempt to subrogate this letter or processes consults malice intent and will be reported as fraudulent and misleading. 

Within 30 days of this notice, ( no replies were given by competent person ) nor was there any answers to these demands or the associated negative tradelines notations removed from the credit reports. These actions are contraindicate evidence of their intent to abridge one or more civil rights. They have Continued unsubstantiated reporting of possible inaccuracies to third parties which now provide a basis for formal complaints being filed pursuant to federal statute. The time frame as elapsed and i have been adversely and financially impacted with false reporting of tradelines and believe this was also reported as a profit and loss tax deduction. 

Thank you in advance for your anticipated cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my mortgage servicer, Dovenmuehle Mortgage , Inc., a servicer for XXXX XXXX sent a duplicate hazard insurance annual premium payment in the amount of {$1100.00} from my escrow account to my insurer, XXXX XXXX. This is a duplicate of the payment of {$1100.00} that they sent XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX alleges to have sent the {$1100.00} back to Dovenmuehle Mortgage , Inc., a servicer for XXXXXXXX XXXX. 

To date, Dovenmuehle Mortgage , Inc. has not properly credited my escrow account for the {$1100.00}.

Dovenmuehle Mortgage , Inc. was not authorized by me to send the duplicate annual hazard insurance premium to XXXX XXXX. They appear to have no interest in crediting MY money back to my escrow account because of their negligent error. 

I have dealt with mortgage servicers since XXXX, and Dovenmuehle Mortgage , Inc. is no doubt the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had a personal loan originated by XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) default as of XX/XX/2023. This was the last communication that I received from XXXX. On XX/XX/2023 at XXXX PST, I received a call from my brother asking me if I had done business with Alliant Capital Management or was this a scam. I had not heard of this Alliant Capital Management and thus I found it odd that my family was conducting regarding the collection of debt without my knowledge of any collection activity. Please investigate and rectify these inaccuracies in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have twice requested on recorded phone lines for the EXACT ARRANGED AGREEMENT of debt collection. I do not have the date of first request, but 2nd request was XX/XX/2023. Department is nothing but hostile, denies not sending it, when they have never sent it. American Express is willfully withholding information and documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
someone stole my wallet and charged my chime checking account XXXX XXXX filed a police report and desputed the transaction 5 times and got denied all 5 times.i also provided chime with the police report via email and posting it on my chime account. i also inform chime dispute department that i didnt authorize the charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account 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 602 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Phillips & Cohen Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I DONT NO WHO THIS COMPANY I HAVE NEVER DONE BUSINESS WITH THEM THEY ARE CONTACTING MY FAMILY MEMBER LOOKING FOR ME I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: LJ Ross Associates
State: IL
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:
Medical bills being reported under {$500.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. 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 2023-02-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
As Citi bank advertises, a new customer opens a checking account, and deposit XXXX within 20 days, the customer will receive a {$500.00} bonus after 80 days. If I apply for new Citi credit card with my checking account on the same day, I will receive extra XXXX XXXX bonus. I opened a checking account and deposit a check of XXXX to my new checking account and applied for my new citi credit card on XXXX, XXXX, XXXX. I should receive my bonus in XXXX, XXXX however I havent. The banker told me the {$600.00} bonus will deposit to my account automatically. I went to the local citi bank to ask about my bonus in XXXX, XXXX, why I havent received my bonus on time. The banker keeps telling me they dont know. They can do nothing about my case. The only way for me is waiting. I did everything to meet the bank requirements, and can not receive my bonus. With the high rates now, I am losing money with Citibank! They keep threw the ball to me, I dont get any help from them.

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 2018-04-07
Company: Harley Davidson Financial Services Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my credit report shows a late payment XX/XX/XXXX which is incorrect. We have made all of our payments and some were by phone but some were online. When we made the payment online, it did not give me any problems or errors but later I discovered it was still due and contacted Harley Davidson immediately to resolve it. I was told there would be no negative rating due to this mishap with the online system but obviously that was not honored. When I called recently they suggested that I do a dispute and perhaps that would work. That doesn't make sense to me but here I am doing what they requested. I sure hope you can help because I'm trying to buy a house and this is holding me back. It is the one and only negative item on my entire credit report. Please help soon, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: COMMERCE BANK
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I noticed that there were erroneous service charges from the bank to my account as well as unusual interest payments. Along with this, the account balance wasn't calculating correctly to the charges/credits that were listed in online account ledger. For example there was a {$11.00} service fee but the account balance increased instead of decreasing, the interest payments weren't increasing or decreasing the account balance. I called the bank to find out what's going on and the customer service person acknowleged that they were aware of the issue and working on it but that i would not see additional line items in my account ledger fixing it, they were just going to correct the total balance in the back ground. I informed them that i was not ok with them not listing the corrections as line items so i could balance my account correctly. I asked for a formal complaint on this and they informed me that they would file the complaint. I recieve nothing inidcating that they acutally filed the complaint. A month later i saw the total balance correct, but no line items indicating what they did to fix it. I'm not ok with them taking money out or adding it back in to my account without listing the transactions so i can keep it balanced on my end and ensure they're not making further mistakes. Attached is a screenshot of the account ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX 4 hard inquiries were made without my authorization by XXXX of XXXX in XXXX, TX. When speaking with the business, sales manager XXXX told me the only thing he could do is apologize. I tried calling each of those companies listed above and there is no option to speak to a representative to dispute these hard inquiries and the option to do it over the phone through an automated system does not work. I have reported the business with XXXX. I want these hard inquiries removed from all of my credit reports since they were made without my authorization. I plan on taking legal action against the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: ALLY FINANCIAL INC.
State: GA
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:
15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation.

15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed several accounts that reports errors in my credit report with XXXX, Transunion and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. 

First Letter was XX/XX/2020 the second letter was on XX/XX/2020 the Third letter was XX/XX/2020 and the last letter was XX/XX/2020.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: SC
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 contacted XXXX XXXX in regards to a late payment reported on my credit i have not gotten remedy 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices.

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 2021-11-22
Company: Experian Information Solutions Inc.
State: MA
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:
personal checking account XXXX Bank breached, on line payees unknown transacted ( approx. 5 known ) ; credit card ( XXXX XXXX XXXX XXXX  ) account applied for ; personal signature loan applied for at XXXX XXXX XXXX. All have been contacted. Have Experian identity fruad lock down of 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 non-monetary relief
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete remove the following:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: TN
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:
on XXXX2021 I sent a letter out over 30 days ago stating that I was in violation of my rights as a federally protected consumer in pursuant to U.S Code 1681a ( 2 ) ( B ). These credit reporting agencies are also in violation of 1681b ( 2 ) which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with the written instructions of the consumer to whom it relates ''. I, XXXX XXXX, did not give these credit reporting agencies any written consent to report anything on my consumer report, no consent is considered identity theft and also violates my right of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX I received a settlement from an accident for my son, and was issued a settlement check from my lawyers office. 

I opened a trust account for my XXXX  son a Chase Bank, I am the guardian on the trust account. For an amount of {$98000.00} I deposited the check to Chase Bank. 

I noticed after a week the check had not cleared and they said they placed a hold on it, I called they said it was fraud prevention and might take 5-7 for funds to appear in the account and for hold to be removed. 

a week or so later I received a letter saying they would close the account, so I called, and they told me they were unable to verify the maker of the check or they could not remove the hold I contacted my lawyer and they said the funds were cleared from their bank account, and even sent me. copy of their canceled check. 


I called chase again to ask how to verify this business, as it is a lawyers office, in biz for 20 or 30 years, have a XXXX a website etc. and they said they couldn't verify their phone #. Their number is on the check, their website, XXXX  etc. and the lawyers office 's bank cleared the check and chase is holding the funds I have called them numerous times asking for a resolution and they keep telling me to have my lawyer add their number to public record. 

I am at a loss and so frustrated I don't know what to do. 

I have court records of the settlement and the letter with the issued check as well as a copy of the canceled check from the lawyer and Chase will not release my funds One agent told me they would eventually send it to the state for unclaimed funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: FEDChex Recovery, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCR Collection Services ( Account Number XXXX ), called me over a hundred times over the last 2 years for a debt that is not mine with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Lic # XXXX. I have never done business with these people. I have told them many times to stop calling & to put me on the Do Not Call list but day after day the call & email me. They never mention an amount owed & refuse to give any details. I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX & I want them to cease and desist any & all communication to include but not limited to phone, email, mail & text. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: National Credit Systems,Inc.
State: TX
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:
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. 

Account Number : # XXXX, Account name : XXXX  NATIONAL CREDIT, 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.

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