BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-30
Company: Emerald AR Systems, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The information that Emerald AR Systems claimed to forward on XX/XX/18 CFPB complaint # : XXXX has never been received via mail or using CFPB. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately.

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I do not have a signed contract nor any contract with Emerald AR Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Emerald AR Systems. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the item listed is not removed from my credit report within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=CIV & sectionNum=2941 8. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person  the sum of XXXX XXXX dollars ( {$500.00} ). 

XXXX XX/XX/2020 - signed closing documents on REFI MORTGAGE XXXX XX/XX/2020 - I have NOT received my Lien Paid and Satisfied Note. 

I found out XXXX XXXX that the Reconveyance Record dated XXXX XX/XX/2020 was filed with the county and top left corner of the document said Record and Return to XXXX XXXX at a WRONG ADDRESS!!!

That's not my address for this legal document or any other legal documents ... or any junk mail for that matter.

That's not my address at all.

I think the wrong address is why I haven't received anything.

Someone messed up.

Will proper documents be filed with the county recorder 's office and sent to me?

NFCU won't help me. I have called, emailed, emessaged on their website, over and over. I have records. And, today supervisor just emailed me : " Have you reached out to the servicing department for  the paid in full letter it would come from that department. XXXX '' I called from work and was sent to the vehicle loan dept then I held on hold forever ( while calling from work ) I am contacting CFPB because I have no faith that NFCU will fix this problem unless you get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had made a payment in the amount of {$57.00} for my Kohls Bill on XX/XX/2017. Once i was finished making this payment I was asked if I wanted to make this a one time payment or if I would like to use this method as autopay to ensure I was never late on payments ; i chose to enroll in autopay. I did not pay attention to the account for a few months and then I received a letter from Kohls stating that i had missed payments for the months of XX/XX/2017 and XX/XX/2017 and incurred late fees. I explained the situation and said that I had enrolled in autopay and they apologized for the inconvenience and refunded my late fees. I paid the bill and brought my account current and then a few days later my credit score plummeted almost 100 points! Kohls reported late payments to the credit bureaus for the months of XX/XX/2017 & XX/XX/2017 to the credit bureaus as late payments even though they admitted it was probably a system error. I then spoke with a representive in their credit department and they said I needed to write a letter. I wrote a letter to the credit department about the situation and they responded by saying they would not remove the late payments that had killed my credit score even though i was enrolled in automatic payments and a system error caused these payments to not be taken from my account on file. I am very dissapointed and this error has caused higher interest rates and is causing me to have major issues in trying to obtain a home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COMPANY FILED LAW SUIT AGAINST ME WITHOUT ME BEING SERVED, AND DOCUMENTATION WAS SAID TO BE DELIVERED IN PERSON TO ME BUT I WAS IN XXXX.I HAVE EVIDENCE I WAS IN XXXX.COMPANY SAYS THERE A COLLECTION COMPANY BUT USES LAW FIRM ADDRESS.COMPANY IS TRYING TO ASK FOR MORE THAN OWED.COMPANY USED DECEPTIVE ACTIONS TO GET A JUDGEMENT IN THE RENEWAL OF THIS CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$100.00} via XXXX for a golf club then was sent a fake tracking XXXX #. 

Ive contacted Bank of America several times and they havent even initiated a response or investigation in the past 11 business days. 

I have text messages, the persons bank information etc.

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 2018-06-21
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On or about XX/XX/XXXX I went to XXXX XXXX to check out a XXXX XXXX XXXX that was advertised on XXXX for {$7700.00}. The car had only about 40k miles on it. Since I started to work in the XXXX XXXX XXXX and my current car had XXXX miles, I figured I can make the payment at that price with just my XXXX XXXX business. I started working as an XXXXXXXX XXXX as of XX/XX/XXXX because I was let go from my previous employer. I explained to the salesman at XXXX XXXX that I did not have a fixed job because but was doing XXXX XXXX. The salesman said that it was ok they can use your previous employer information, they ( assuming Ally financial ) never check, and these loans are always sold as a package deals along with other auto loans. I also said that I had XXXX I can put down from a XXXX XXXXXXXX credit card. At first the dealership wanted XXXX down of which I did not have. The salesman said that's the only way they could finance the deal. So I shook his hand and went on my way. This was a Sunday XX/XX/XXXX. 
The very next day Monday XX/XX/XXXX, the dealership salesman calls me and tells me that they can now do the deal with XXXX down. 
I was sceptic because I didn't have a full time job and I was barely making ends meet. I moved out of my home and rented it in XXXX. I figured I could make the monthly car payment because I could work more as an XXXX XXXX. 

The deals that XXXX XXXX made with Ally Financial is astonishing. They didn't verifying any information, only what had come up on my credit report. 

The dealership also fraudulently raised the advertised price from {$7700.00} to {$10000.00} knowing. I am speculating that the price had to be over 10k in order for the Ally to finance. I made a complaint to the Arizona Attorney General whom is still investigating this matter. It has been since XX/XX/XXXX that I submitted the complaint, but the dealership is failing to respond. 

This car should have never been sold to me because I didn't have the means to pay it at the time. But car dealships and finance companies are the biggest scammers of all. 

I would be in a better financial place, of I had not bought this car at the time I could not afford it.

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 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have been making payments to XXXX in regards to bringing my past due account current. I was told by a customer service rep at XXXX upon agreement that as long as I am making payments according to the agreement to bring my account current, that I would not be reported any further delinquent on my credit report. I recently received an alert that I was reported 120 days late and I have made payments on- time according to the agreement with XXXX . They have therefore reneged on their part of agreement with me to not report my account any further delinquent when I have made payments on time according to the agreement set forth 2 months ago.

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. The following information is outdated. I would like it removed from my credit history report. Amount reported by your Bureau is wrong, date opened on account is wrong, you have been violated the LAW. 
I was never late on this account. Balance is wrong, date of opening account is wrong. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
You have been advised repeatedly to stop your attempts to collect an invalid debt to the name of XXXX XXXX account number : XXXX. This debt is not valid and was not accrued by XXXX XXXX. A police incident number has been issued by the police department in XXXX XXXX CA for this incident and the theft of identity has ben reported to the FTC. I repeat STOP all attempts to collect this debt, I am tired to repeating myself STOP TRYING TO COLLECT THIS DEBT. We have retained a lawyer and will be proceeding further with legal action for unlawful collection if all attempts don't seize immediately. A monkey could do the investigation to see that the money was siphoned through bogus accounts by individuals in a different part of the world with no relation to XXXX XXXX. I'm chocking on my own spit here ; HSBC get your act together no wonder you are at the center of all illicit money laundering activities. Get out of here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Per Equifax, XXXX, and XXXX they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has report a {$710.00} debt on my credit report. They did not verify any information that I have asked of them showing a contract where I was obligated to pay this debt. I no longer have service with XXXX and I do not owe any debts to XXXX, they have not provided me with any proof of debt and I disputed this information by mail within the 30 days that I received their letter. I do not owe any debts XXXX XXXX XXXX because I received no services to them and I have no obligations with them to try to collect from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have tried contacting all 3 credit bureaus as they are reporting my BK-XXXX XX/XX/XXXX as dismissed/closed. This is not the case. Talked to Court today XX/XX/XXXX again, XXXX and talked to my BK-XXXX attorney both said to contact credit bureaus again as they are reporting incorrect information. A letter was provided to me and sent to attorney, according to court records my plan has been completed. ( all creditors on plan were paid in full as agreed ) could not discharge due to within 4 years of BK-XXXX XXXX. This statement is on the court letter, but BK-XXXX was paid and completed. I sent a copy of court BK letter to creditors and all 3 credit bureaus ( Transunion, XXXX and XXXX ) and still left incorrect information.

Court says bureaus reporting wrong and to go back to credit bureaus. ( which I did ) no change.

What this incorrect information causes my credit score to go back to XXXX from XXXX and all the creditors that were paid are now coming back for collections and charge offs. 
I have all original letters if needed.

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 2018-11-20
Company: EQUIFAX, INC.
State: FL
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: Billing dispute for services

Complaint:
They have reported that I have numerous late 's and I have a letter saying that Its deferment and that nothing is owed. 

Acct # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have never been late with XXXX XXXX XXXX they advised me to file a dispute with the credit agency 's. They don't show lates in their system

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 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want XXXX to access my Capitol One 360 Savings account to facilitate transfers. It has in the past, but suddenly stopped working. on XX/XX/2018 per XXXX and Capitol One 's websites, Capitol One is blocking me from enabling external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: OH
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:
I have an Experian account to check my credit score, as I am hoping to buy a house soon. My account has not worked since XXXX of last year when I had my name changed. I have sensitive information on the account. Experians FAQ states to call their customer service number to have information updated. I have called for over an hour, and I can not talk to a real person. Ive tried FOUR different numbers. At this point, I just want my account deleted, but unfortunately I cant even do that. You have to call to have your account deleted, and theres nobody to talk to. You get hung up on. I did some research, and Ive seen hundreds of people online complaining about the same thing : no person on phone number, no way to email, no way to chat. They are even stealing money from people, and refusing to answer the phone. Everyone who DOES talk to someone says that they are very unproffessional, rude, and frankly sketchy. This business is not that at all. They should be accountable for their actions. I would do whatever it takes to see this company hurt.

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 2018-06-21
Company: EQUIFAX, INC.
State: AL
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:
Went to a Credit Union on XXXX to open a checking & credit card account in a new city where I accepted a promotion with my employer. The Credit Union tried to pull a credit report from Equifax using my social security numbet & last two addresses. Equifax came back & said that the social security number belongs to another customer. Equifax told us to fax a copy of my SS card & Driver 's License to them. The bank helped me do so on XX/XX/XXXX. Equifax stated that even if they receive a fax, that they would ignore it as I have nothing on file. I, again, called Equifax & they stated that I have no name, credit, employer for my SS # ... on file at all, but I had pulled a credit report from Equifax on myself in XX/XX/XXXX. The other 2 credit agencies have my credit info attached correctly to my SS #. I tried to place a dispute on line at Equifax, but there was nothing to dispute as tbey claim to have no information at all on me connected to my SS #. For them, I just do not seem to exist. Equifax asked me to send them a copy of one of their reports that I pulled but I shred them after I review them for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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: Information belongs to someone else

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with non-monetary relief