BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Credit Control Corp is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

I also sent the dispute to the Credit Bureaus, but XXXX did not remove the account on their reporting, even though the other creditors already remove the account on their end. 

Credit Control Corp is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I flew on XXXX from XXXX, Washington ( USA ) to XXXX, XXXX via a layover in XXXX, XXXX ( XXXX ) on XX/XX/XXXX, XXXX. On XX/XX/XXXX, I was charged {$290.00} twice, for a total of {$580.00}. I am disputing this amount since the additional services were not provided by XXXX. 

On XX/XX/XXXX, I purchased two Economy Class tickets on board XXXX for {$490.00} each, for a total of {$990.00}. These tickets were paid for in full at that time. This price was for two round trip airline tickets in XXXX 's Economy Class. At the time of purchase, I utilized XXXX 's upgrade tool. That tool allows a passenger to select a price they would be willing to pay to upgrade to Premium Economy class. I placed a bid a total of {$290.00} per ticket for a potential upgrade to Premium Economy. The tool advises the passenger if two Premium Economy seats become available prior to the XX/XX/XXXX flight, XXXX would have the option to charge me an additional {$290.00} per seat to upgrade to those seats. In this case, there were two tickets purchased, so the charge would be {$590.00} total. I received an email on XX/XX/XXXX stating that an upgrade to Premium Economy Class on the XXXX to XXXX segment was not available, and I would not be charged. My regular Economy Class seats would remain unchanged. ( see attached email from XXXX ) On XX/XX/XXXX, we flew from XXXX to XXXX and were assigned seats 44A and 44B. Those seats were located in XXXX 's Economy Class section, not their premium Economy Class. ( see attached boarding passes for HeaXXXX and XXXX XXXX along with the XXXX map ) The remaining segments from XXXX to XXXX, then from XXXX to XXXX and XXXX to XXXX on XX/XX/XXXX were made in Economy Class. 

Upon XXXX 's failure to remedy this charge, I disputed the charge with Navy FCU on XX/XX/XXXX. At that time, they incorrectly categorized this charge as a " services not received '', but did not issue me a provisional credit. I informed NFCU at the time the credit dispute was miscategorized, yet they did not correct this. On or about XX/XX/XXXX, I was informed that the dispute was denied because I had in fact taken the flight ( despite the class of service being not what I paid for ). I appealed, and NFCU re-opened the dispute. 

At that time, NFCU issued a credit to my account for {$290.00}, but they did not issue the other credit of {$290.00}. I am still out one of the {$290.00} fee 's charged by XXXX. When I call NFCU, I am told they are still working on the dispute, despite the fact I filed the dispute for both charges at the same time. NFCU granted one of the {$290.00} credits, but not the other. And they refuse to remedy this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-23
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX Attorney XXXX XXXX help to take my home of eighteen years. 

He did not do any research to learn of the history of my loan. I paid off the loan I had with XXXX XXXX XX/XX/XXXX. The Deed of Trust was documented in XXXX County register office FZ page 4716. XXXX was paid in full by XXXX XXXX XXXX {$11000.00}. 

XXXX XXXX XXXX transferred my loan internally in XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I 've been told by them the bank was restructered, yet I was n't notified. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX located in Texas. 

I was n't notified, it does n't appear as though US Bank Home Mortgage was notified. Three different Federal Identification numbers was used, with the same loan number to report my XXXX-mtg interest statements to IRS. 

I just learned of this XXXX XXXX. I just recently received payment history for XXXX XXXX XXXX XXXX  from XX/XX/XXXX. 

I was under wage earner when these transfers was done. Government records have been tampered with using my personal information. 

I recently pulled my credit report to learn that someone added a address for Michigan to my credit report. As I 've mentioned my credit report have been manipulated. 

The FBI told me to pull my tax transcripts to learn that XXXX was reported to IRS in XX/XX/XXXX. They was a sub-servicer for XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Loans did transactions on behalf of XXXX XXXX XXXX XXXX a division of XXXX XXXX XXXX/ their corporate office located in XXXX Texas . XXXX XXXX XXXX Loans was n't on my credit report when I filed bankruptcy in XXXX. 

This is/was a Breach of Contract. As I 've mentioned, I now have a copy of payment history from XXXX XXXX XXXX XXXX. I did n't make payments to XXXX XXXX XXXX XXXX, because I just recently learned of them/ 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 2018-06-15
Company: WELLS FARGO & COMPANY
State: NV
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:
Wells Fargo is not reporting my credit card to the credit bureaus. I have had the card for many months and still they don't show up on XXXX XXXX or XXXX. Card ending in XXXX exp XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
Company: ID Analytics, Inc.
State: HI
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:
On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX, Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. Subsequent to the purchase I received a letter ( copy  attached ) from XXXX stating they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid My current FICO score from XXXX XXXX XXXX, which uses data directly from XXXX, is XXXX. I have never heard of XXXX as a company dealing in FICO scores and am not sure why anyone would use their service. They can only be contacted via email and require hard copy documentation of an individual 's Social Security number, birth certificate, and driver 's license.I am not about to provide that critical information to a company, which I 've never heard of, just to contact them for resolution. I do not believe XXXX is providing accurate information to potential lenders and they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. Since I was able to complete my transaction without any adverse consequences, I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. I think CFPB needs to be aware of this company. They need to be reviewed as to their business 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 2019-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
WE REPORTED UNAUTHORIZED CHARGE (FRAUD) TO CHASE MARRIOTT VISA FOR A TRANSACTION SHOWN ON THE MONTHLY STATEMENT.  IT WAS $XXXX  CHARGED BY XXXX XXXX ON XX/XX/2019.  HOWEVER, WE DID NOT AUTHORIZE THIS CHARGE NOR HAVE ANY KNOWLEDGE ABOUT WHO THIS MERCHANT IS.  THE TRANSACTION HAPPENED DURING OUR TWO-WEEK TRIP IN XXXX BACK IN XX/XX/2019.  MANY SMALL SHOPS / RESTAURANTS HAD POSSESSION OF OUR CARD, AND THE CARD WAS OUT OF OUR SIGHT MANY TIMES WHEN THE MERCHANTS BROUGHT IT TO CARD READER IN A DIFFERENT ROOM. CHASE CLAIMS THAT XXXX XXXX CHARGED $XXXX VIA THE NEW CHIP ON OUR CARD, THEREFORE, CHASE DECLINES OUR CLAIM ABOUT THIS UNAUTHORIZED TRANSACTION AS FRAUD.  WHEN ASKED CHASE IF THE MERCHANT WOULD PROVIDE OUR SIGNATURE AS PROOF, THE REQUEST WAS DECLINED AS CHASE STATED THAT THIS WAS NO LONGER NECESSARY WHEN TRANSACTION OCCURRED WITH THE NEW CHIP ON CARD FEATURE. AS A CONSUMER, WE BELIEVE CHASE IS USING THE NEW CHIP ON CARD FEATURE TO VOID ITS PROTECTION LIABILITY AGAINST CREDIT CARD FRAUD. CHASE FAILS TO FULFILL ITS RESPONSIBILITY TO CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, and this is my second request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have no authorized credit inquiry from 7 banks and XXXX i don't know what happened here attached have 2 images from XXXX 7 XXXX   report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
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: Was not notified of investigation status or results

Complaint:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax on XX/XX/2021 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 President Biden wants to do away with the credit bureaus, they are useless!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2017, I submitted a transfer for {$200.00} to be picked up at a Western Union location. In XXXX, Michigan. I called Western Union to complain about the scam and receive a fraud case number and refund and they would not return the refund because The money was no longer in their possession

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: PROSPERITY BANCSHARES, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 an ACH happened from a company called XXXX XXXX for the amount of {$5700.00}. We have never even heard of this company before this happened. We contacted the company and they state they will research the issue but after 1 day shy of a month and numerous calls they say they " will keep looking in on the issue ''. I fell they are blowing me off. I also called our bank ( Prosperity Bank ) and spoke to numerous people including the bank president. He states that we only had 24 hours to bring it to their attention. I just happened to look online and let them know of the problem which was approximately XX/XX/2019. Since the 24 hours expired on XX/XX/2019, the bank says they have no responsibility and can not put the money back into the account. Our checking account was charged for {$5700.00} from a company we have never heard of and never authorized to charge our account in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: EQUIFAX, INC.
State: IL
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:
Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A representative from Phoenix Financial Services called me the week of XX/XX/XXXX stating that I owe a {$100.00} medical bill from XXXX. They stated this was a balance for being seen in the emergency room. I told the representative that this was not my bill and that I am a victim of Identity theft I was not seen in the ER in XXXX. I was told by the representative that they would be putting this on my credit report. I told the representative that this was against the law and the Fair Credit Reporting act because I never received anything from them who the debt does not belong to and or whoever else the debt is for such as the ER department that they are stating that I owe from XXXX. I again informed the representative that I never received any type of notice about a debt from XXXX, the Texas statue of limitations is also 4 years and the debt is not mine, I am a victim of Identity theft, with an Federal Trade Commission affidavit and police report on file with all three credit bureaus. I advised them to return the debt back to the creditor as Identity theft victim. Today XX/XX/XXXX the debt is appearing on my credit report and I tried to call them and the number listed online just keeps giving a busy signal so they can not be reached only if they call me and try to harass me to pay a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was removed and proven to not be mine in XXXX of XXXX and it all of a sudden re-appeared XXXX XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. when I asked for validation AGAIN in XXXX of XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I write as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased a {$94000.00} CD from Key Bank XXXX XXXX XXXX, XXXX. The CD matures tomorrow, XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Key Bank mailed notice of approaching maturity with instructions for contacting Key Bank with instructions on whether to reinvest or redeem. I called Key Bank and received an XXXX XXXX email that said Key Bank would need three notarized documents for XXXX XXXX XXXX XXXX to get back its invested funds. At considerable inconvenience, I submitted the three notarized documents along with a cover letter requesting that Key Bank send the proceeds to XXXX. My cover letter requested that Key Bank call me if it had any questions. I called on XXXX XXXX to confirm that Key Bank had received my instructions. The person I spoke to, XXXX, said the documents had been received and were in legal for review. He suggested I call back today, XXXX XXXX. I called back today and was told that Key rejected my submission as inadequate because the cover letter was not notarized. 
I protest : 1 ) Key Bank creating costly notarizing rules before it will redeem the CD funds ; 2 ) Key Bank not promptly contacting me about any deficiency in the submitted documents 3 ) Key Bank demanding notarizing of the cover letter not requested by its XXXX XXXX emial. I submitted the three notarized documents Key Bank 's XXXX XXXX email requested and still ca n't get back XXXX 's funds on the maturity date tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: AFNI 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:
I am a victim of identity theft and have recently seen fraudulent unauthorized accounts on my consumer report. Attached below is my request for full material disclosure and debt validation not verification.Along with my FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got nothing owed from XXXX company since I cancelled my account from them on 2012. 
Do not know how they got it I am just tired dealing with this collection agency. So, I reported these matter to stop! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This complaint is a continuation of Complaint # XXXX which was filed in XXXX 2017. XXXX XXXX has still not adjusted my account to reflect the erroneous addition of $ XXXX to the principal balance of my loans due to errors in their paperwork processing which resulted in my loan not being enrolled in income based repayment plans for short periods of time. I am being charged interest on top of this additional {$20000.00}, and nothing is being done to correct the matter despite numerous letters, phone calls, and e-mails to XXXX XXXX XXXX. All I receive are apologies but no corrective actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
I made a settlement agreement with the original creditor. I sent a copy of the agreement and proof the payment to XXXX to update my credit report. They updated my report initially and then changed it back to show me owing the balance the next day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was removed and proven to not be mine in XX/XX/XXXX and it all of a sudden re-appeared XX/XX/XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XX/XX/XXXX, all I received was bills with an address I never lived at, no signatures or  anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.

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