BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was denied a mortgage loan the day of closing with no explanation by Navy Federal in XXXX of 2021 and I believe it was due to the algorithm rigged against my XXXX XXXX  ethnicity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: WI
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 paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove from my 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 explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a copy of my credit report and found a collection account listed on my credit report which I believe was an error. The account was being reported by Contract Callers Inc ( CCI ) Account # XXXX in the amount of {$490.00}. I send a certified letter on XX/XX/2020 to CCI requesting validation of the debt along with a copy of my driver license, social security card and utility statement for verification as to my identity. On XX/XX/2020, CCI responding to my validation and provided a billing statement for the amount of {$490.00} addressed to XXXX XXXX, XXXX XX/XX/XXXX, service address : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. Since I've never resided at the address listed on the statement provided by CCI and the name on the statement is not mine. My name is XXXX XXXX XXXX. I send another certified letter to CCI dated XX/XX/2020, again requesting validation of debt and to provide documentation, i.e. contract, application, records of payment, delivery of addresses associated with the account, and signature on application of the account. On XX/XX/2020, CCI again just send another response same as before with the same copy of the previous statement. I send another certified letter on XX/XX/2020 to CCI advising them that I believed that they have violated my consumer rights in the following ways : -Failed to validate a debt at my request - FDCPA violation -Continued to report a disputed debt to the CRA - FCRA violation -Continued to attempt to collect a disputed debt - FDCPA violation -Ignored my cease and desist - FDCPA violation As of today, XX/XX/2020, CCI has not replied to my requested dated XX/XX/2020.

On XX/XX/2020 I send another certified letter to CCI, again requested validation of debt and advising them that they have ignored my prior requests for validation of debt. As of today XX/XX/2020, CCI has fail to reply. 
On XX/XX/2020, I send my final letter to CCI advising them that despite my previous written requests, the unverified/unvalidated debt still remains on my credit report in violation of Federal Law.

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 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a follow up to complaint XXXX and I would like to submit additional documentation I did not have at the time of the original complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I bought a car from a friend back in XXXX and before the title was transferred to me, there was a bridge toll incurred on the car. After they contacted my friend for payment, I helped them resolve it and called the toll office. I paid the amount that I owed, and now in XXXX they sent my friend a letter saying that it was never paid and it has been sent to a collection agency. They are threatening to take the so-called owed amount out of my friends tax return. When I spoke with the bridge toll office back in XXXX they told me it was fully resolved, so we shouldnt have to deal with this. 
The collection agency that sent the letter is called Professional Account Management , LLC and is based in XXXX, WI. The letter was addressed to my friend XXXX XXXX in XXXX, CA. I have tried the agencys phone but cant get a representative on the line to help me resolve this.

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 2021-03-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made the monthly payment of {$1400.00} on XX/XX/2021 to satisfy my monthly mortgage due on XX/XX/2021. The amount was taken out from my XXXX Bank account. However, on XX/XX/2021, this mortgage company reversed the payment, claiming that it was " Misapplication Reversal ''. I have been trying to contact with them, but they refused to respond. Furthermore, I am not sure where {$1000.00} payment and reversal came from. 

I am in fear that they are using this tactic to foreclose my property. This is unconscionable and I hope CFPB would investigate 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 2021-03-26
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX I applied for Government Assistance ( PUA ) and was approved to get payments that backdated to XXXX I never received a debit card in the mail so about a month later US BANK RELIA CARD sent me a debit card the debit card had no funds so I called the bank to find out what the problem was that's when US BANK RELIA CARD representative advised me that there was an additional card on my account that was loaded {$17000.00} to date ( XXXX XXXX ) I was confused due to me never receiving any funds the representative then gave me the information attached to my account and the address that the representative gave ( XXXX XXXX XXXX XXXX PA ) is not an address im associated with or have ever been the representative then proceeded to give me the email on file more information I have never been associated with so at this point the representative advised me to file a dispute and update all my contact information so I did we continued the call ( duration 2 hours ) disputing the transactions on my account. A week later I called for updated information and was told my dispute was closed ( XX/XX/XXXX ) a couple months later ( XX/XX/XXXX ) I was sent a text message from US BANK RELIA CARD to verify my identity so I called and was told my claim was reopened and was advised to send over information ( ID CARD PROOF OF ADDRESS AND SSI CARD ) and that the claim would reach its 90 day mark the first week of XXXX in witch US BANK RELIA CARD only has 90 days to investigate and reach a decision today XX/XX/XXXX I have called numerous times being told numerous times that my claim is still pending to call back 7-10 days. the funds that were deposited into the US BANK RELIA CARD was my PUA Unemployment and due to US BANK RELIA BANK sending my card out to the wrong address I lost all my unemployment benefits and US BANK RELIA CARD 5-6 months later have not paid me out any of my money that was stolen nor have they given me an update on my claim after I have submitted all my proof. In addition also losing all my work credits.

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 2018-04-05
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:
On XX/XX/XXXX, my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XX/XX/XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XX/XX/XXXX for an account paid in full in XX/XX/XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.

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 2023-02-03
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So I sent a transfer to a XXXX XXXX as part of A payment for a car thst I didn't receive yesterday by a computer on XXXX XXXX and they refuse to give me my XXXX back and also cash app refuses to Give me back my {$300.00} that I sent to a XXXX XXXX on the XXXX birthday card also then I sent a {$500.00} prepaid gift card yesterday to them plus another {$200.00} gift card to them and I got my {$1500.00} back but none of it and did not receive the car Bank won't refund me and there were cash app I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP 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 non-monetary relief
Consumer complaint received 2021-03-31
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I made prior payment arrangement with XXXX and unknowingly to me, Medical Data System has begun reporting debt. I completed the monthly payment arrangement with XXXX on XX/XX/XXXX that I initially started paying in XX/XX/XXXX. In addition, I never received notice of this debt from XXXX XXXX XXXX. The only contact I've had with them was on XX/XX/XXXX and I called them to inquire about removing three prior medical debt collections from my credit report that was paid in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: I.C. System, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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: Experian Information Solutions 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 a potential debt for XXXX XXXX XXXX XXXX on my credit report from XX/XX/XXXX. It says that it is from XXXX XXXX XXXX in which I was not in an ambulance in XX/XX/XXXX. I requested more information on the debt from all credit bureaus and have not received anything. With all disputes resulting in the collection saying that it is verified but no information AT ALL. The beginning of XX/XX/XXXX, It was deleted from all reports after filing another dispute in XX/XX/XXXX asking for more information again. Today it reappeared on my Experian report. I have not received any notice of this account being added back. The account is still not on the other two but do not know what to expect. Why am I being denied more information on an account that is on my credit reports?

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 2023-06-16
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Information belongs to someone else

Complaint:
I recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the Equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For a company that prides themselves on customer service, the service has been very sub-par. XXXX XXXX has been the only reliable employee throughout this entire process. I started my 2nd refinance with XXXX around XX/XX/2020. My file was handed off to 2 different loan officers, both who were not communicative and very hard to reach. The only reason that I learned that my file had changed to someone else is because of me calling to follow up. The amount of time its taken to move this process along has been unacceptable. I call and leave messages with the appropriate personnel and no returned phone calls. The straw that really broke the camels back is that after 5mos of this refinance process, I had a XXXX appointment with the notary and Loan Depot still has not sent them the final docs so therefore they were not able to fulfill the XXXX appointment time with me. I even took off from work to be home on time for the notary. This is inexcusable conduct, etitquette, and service from Loan Depot and I look forward to hearing how one can find that acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: NCC Business Services, 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: Was not notified of investigation status or results

Complaint:
I have mailed and called both the credit bureau and these two collection collection agency 's who refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. 

Account 1 listed on XXXX Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX  XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account 2 Listed on XXXX  Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX NCC Business Services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive called this company several times to settle this debt which doesnt belong to me and they continue to try to get more then 50 % of the balance. I have disputed this account several times with XXXX and they have yet to remove it. This is not my debt and I want it removed off my 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 explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2021-03-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back in XXXX of XXXX, reached an oral settlement with Lowes/synchrony bank over a credit card dispute. 
On the check was written payment in full as per settlement. However, instead of cashing check the check was converted to an electronic format by payee. 
In XXXX of XXXX received an invoice from Lowes/Synchrony bank so sent a certified mail letter advising this was disputed and asked them to check notes of phone settlement conferences that were held in XXXX XXXX and XXXX of XXXX. 
In XXXX of XXXX XXXX and XXXX, law office sent a letter regarding this debt and they ignored the written response and have filed a complaint in magistrate court which is scheduled for next week.

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 2019-02-21
Company: Hillcrest Davidson & Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from Hillcrest, Davidson and Associates, LLC on XX/XX/19 @ approx. XXXX my time. Calling me regarding a debt with an alarm company. 

I told them that this should not have been in my name and it was done by an ex girl friend. I advised ( I think XXXX ) that I need to call him back because I was headed to work. I called back because I had some questions at XXXX and I got a hold of an XXXX ( very rude ) manager.  Started yelling as I was asking questions, I was asking for verification of the account, and anything that had my signature on it. He told me he didn't care and he was going to place it on my credit. He then told me I had a choice file an fraud affidavit or pay them {$600.00} settlement today. I said I cant make that decision today, he again started to talk over me and then just hung up the phone. 

I filled an complaint with the XXXX XXXX XXXX in TX that night case # XXXX. 

I called back on XX/XX/19 to speak to the original person who called me and XXXX picked up the phone, I asked him could I talk to someone else because he hung up the phone on me last time, he said he doesn't care. 

I advised I was going to file an complaint with whoever governs collection bureaus he said he doesn't care, do what I need to do. 

I need documentation that proves I even owe this account. the amount they say I owe is around 1200. 

also my house already had the alarm in it they just became the monitoring part of it, they are trying to charge me for the equipment also. 

I have recordings of both phone calls, but your system wont let me upload voice calls.

Company response to consumer: Closed with explanation