BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is not mines last names aren't even spelled the same. Must be father 's doing.

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 2019-06-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Sometime in XXXX, there were 2 claims put in then bank reversed the claims by putting the funds ( = {$3700.00} ) in our account on XX/XX/XXXX & XX/XX/XXXX. I did not catch this and supposedly i spent that money so all of a sudden bank reversed the funds on XX/XX/XXXX making my checking a negative - {$3700.00}. My pension came in XXXX and bank kept it so as to pay part of the XXXX. I did not get any notice except 2 letters i received XX/XX/XXXX. I'm broke unable to pay my bills. Bank will not work with me as they say i did the claims ( i did not and not being clear to understand whats going on. I'm panicked. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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 noticed unauthorized accounts opened on my credit report. Please remove and block all accounts from my credit history!

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 2022-11-04
Company: Experian Information Solutions Inc.
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:
MY BALANCE INFORMATION IS INCORRECT ON MY XXXX  XXXX ACCOUNT ENDING IN XXXX AND XXXX XXXX  ACCOUNT ENDING IN XXXX. THIS ACCOUNT INFORMATION IS UNTIMELY AND INACCURATE. PLEASE UPDATE BOTH ACCOUNTS.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XX/XX/20 I have sent out letters to all three bureaus XXXX XXXX and Transunion about inaccurate items reported on my credit report. It is going past 60 days and I still have not received a response from either of the bureaus.I feel like I am being ignored and demand a response.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: AZ
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

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 2017-09-25
Company: Account Control Technology, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX XXXX XXXX University was notified that they were included in my Chapter XXXX Bankruptcy. They contacted me during this process which my lawyer advised them that they could not collect this debt. Once my BK was discharged in XX/XX/XXXX they continued to still contact me and I had sent them the list of creditors and copy of BK discharge, they sold the debt to a collection company and I supplied the old collection company with the same info and it seemed to stop. But on XX/XX/XXXX I  received a letter stating that I owed XXXX XXXX {$3500.00} to them and my debt has been placed with Account Control Technology , Inc . I dont know what else I can do to show them this debt was discharged and I do not owe it. As stated my attorney explained all this to them several times and has sent them letters. 

I have worked really hard to repair my credit and I do not want this to hit my credit report and lower my XXXX fico score. I am going to try to purchase a house next year and I am watching it closely.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: IA
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 sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a follow up to a prior CFPB complaint, I filed a CFPB complaint against Cap1 in XXXX. 
On XX/XX/XXXX, Capital One agreed to remove a XX/XX/2020 late payment for my Neiman Marcus Credit card, and send me the attached deletion letter through the CFPB. 

The late has not been removed, I have sent this letter to the credit bureaus and to Capital One 's customer service, both of whom refuse to remove the late payment.

It seems Capital One 's Consumer Advocacy group did not communicate the request to remove the late payment to the credit bureaus and to Capital One 's own servicing and customer service department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED XXXX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
INQUIRIESXXXX 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 2020-04-09
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I took out a payday loan through Speedy Cash on XXXX, XXXX, TX in the amount of {$150.00}. The contract was for six ( 6 ) months and the payments would be {$34.00} a month starting XX/XX/XXXX. I asked for the payments to be withdrawn from my bank account on the XXXX XXXX XXXX XXXX because I'm a XXXX senior citizen and my social security checks come on the 1st of each month. The loan company took {$34.00} from XX/XX/XXXX thru XX/XX/XXXX and on XX/XX/XXXX, they took a total of {$190.00}, which came to a total of {$330.00}. I contact the company for an explanation of the last withdraw and this is what they said : " Since the payments are due on the 1st and we didn't process it until the 4th there was an additional {$34.00} added to {$150.00}, plus {$5.00} that goes to a 3rd party, '' I asked was happened to the 4 payments of {$34.00} which is a total of {$130.00}. Her response was " It's all interest, and nothing was applied to the principal. The total amount of the loan, plus interest, plus the 3rd party fee was due at the end of the loan which is XX/XX/XXXX. '' When I told her that the charge does not add up and I wasn't aware of these out-rigid charges, she said she would let her manager know how I feel, but nothing can be done, these are their charges. This is double the amount of the loan and something needs to be done about it. 
I informed her that I would be referring this to the Federal Bureau for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 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 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 2020-04-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have receipt a bounced check fee from wells fargo about 3 weeks ago. Not my fault. Had funds, no solution. Today, I get charged an over draft fee because when I have funds. Also, I can not transfer from checking to savings so I can't buy groceries. The over draft fee happened to wipe out my checking. This is a pandemic and Wells Fargo is making my life even harder. Please help

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
N. 1- Personal information is, real name is XXXX XXXX as it appears on social security, correct address since XXXX is XXXX XXXX XXXX XXXX , fl XXXX. 

N. 2- The inquieres were not authorized only XXXX XXXX XXXX 

N. 3- Account N.2. That purchase was disputed at the Florida Deparment Agriculture and they did not comply with what they agreed with this department. XXXX / XXXX XXXX XXXX XXXX. 

N. 3- Account N.3 XXXX  XXXX N.3- Account collentions XXXX XXXX  that account has already been claimed by the licensed XXXX XXXX and they are placing it with another name ... XXXX XXXX I do not XXXX it .... XXXX XXXX XXXX was claimed in the three companies by lawyer XXXX XXXX. XXXX XXXX XXXX {$1700.00}. 

N.4-XXXX XXXX is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time N.5- The XXXX student loans appear divided into four, it seems to me incorrect, only one total should appear and they are still not authorized to charge me, therefore I want them not to be until they are authorized. 

Very Thank for helpmy

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 2020-07-10
Company: NAVY FEDERAL CREDIT UNION
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:
Over 3 years ago I received a loan from Navy Federal Credit union to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed Navy Federal Credit union had this account coded as a mortgage. This loan nor any loan I had with Navy was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with XXXX  and Transunion both said Navy verified the information. In XX/XX/2020 I sent Navy a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way Navy Federal is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted Navy they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Avid Acceptance, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company continues to call and email after a payment has already been arranged. There is no valid reason for the call other than to harass or to get my wife and I to overcommit ( commit to making ANOTHER payment despite arrangements already having been made. ) This is very clearly bad faith. 

Furthermore, after requesting they stop unnecessary and thus harassing contact, they purposely misconstrued my request to stop ALL CONTACT, again in a show of bad faith.

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 2021-02-09
Company: EQUIFAX, INC.
State: GA
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 have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. There were several accounts that were excluded on the bankruptcy, but were filed to be dismissed. 

Today, I logged into XXXX  to verify the information that was correct and incorrect. 

I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage is serviced by Fay Servicing, last year due to the pandemic i applied and got approved for forbearance. Even thou in forbearance, Fay Servicing reported all payments as late to all credit bureaus also even thou there was a moratorium on foreclosures Fay Servicing placed my property into foreclosure. 
After being enrolled in forbearance for about six months I paid Fay Servicing everything that I owned them as well as the foreclosure fees. After ending the forbearance I asked them to remove any late payments reported to credit bureaus while I was in forbearance, they refused to do so. 
Fay Servicing is not following the CARES act Mortgage Loan Foreberance nor the Foreclosure Moratorium. 
Fay Servicing acts very reckless and extremely rude. 
Their practice do not follow the law, rules and regulations. Fay Servicing refuse to remove any late payments from credit bureaus so they could keep myself locked into their higher mortgage rate at 5 % for 40 years mortgage. 
Many of their customers are in a similar situation. 
The XXXX XXXX XXXX has published an article about Fay Servicing reckless behavior in XX/XX/2020, there was no response from Fay Servicing nor any investigation into their practice. 
As of today Fay Servicing has been receiving great financial support from government thru PPP Loans and TARP Bailout Program, so at least they should follow the law and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISCHARGED

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 2020-04-09
Company: EQUIFAX, 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 status incorrect

Complaint:
N. 1- Personal information is, real name is XXXX XXXX as it appears on social security, correct address since XXXX is XXXX XXXX XXXX XXXX XXXX fl XXXX. 

N. 2- The inquieres were not authorized only XXXX XXXX XXXX 

N. 3- Account N.2. That purchase was disputed at the Florida Deparment Agriculture and they did not comply with what they agreed with this department. XXXX / XXXX XXXX XXXX XXXX. 

N. 3- Account N.3 XXXX  XXXX N.3- Account collentions XXXX XXXX that account has already been claimed by the licensed XXXX XXXX and they are placing it with another name ... XXXX XXXX I do not recognize it .... XXXX XXXX XXXX was claimed in the three companies by lawyer XXXX XXXX. XXXX XXXX   XXXX {$1700.00}. 

N.4-XXXX XXXX is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time N.5- The XXXX student loans appear divided into four, it seems to me incorrect, only one total should appear and they are still not authorized to charge me, therefore I want them not to be until they are authorized. 

Very Thank for helpmy

Company response to consumer: Closed with explanation