BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: NAVY FEDERAL CREDIT UNION
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Navy Federal Credit Union ( NFCU ) recently partnered with a non-affiliated vendor, XXXX XXXX XXXX XXXX ( XXXX ), to provide NFCU members with access to their credit score under a program branded as " Mission : Credit Confidence. '' I am a member of NFCU and was subscribed to the new program without my consent. The terms of the program require NFCU members to consent to the collection and sharing of personal information, such as social security numbers, income and financial information, marital status, etc., for use by XXXX 's and its advertising partners ( among others ). The main feature of the program seems to be sending unsolicited emails to the private email accounts of NFCU members advising them of changes to their credit score. A direct hyperlink to the program also appears as a click-thru banner on member secure account summary web pages and in NFCU 's mobile app. At program inception, and on divers occasions thereafter, I repeatedly communicated to NFCU my desire not to participate in this program. In a further effort to provide resolution, I was recently instructed by NFCU to enter the Mission : Credit Confidence program dashboard via my secure NFCU account and dis-enroll from the program. This is conclusive evidence that NFCU subscribed me to the program without my consent and may have breached its internal privacy policy by sharing my personal information with a non-Affiliate without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-03-21
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ability Recovery Services contacted me by phone several times, the most recent being XX/XX/XXXX for a debt owed to XXXX University. As of XX/XX/XXXX this debt has been fully paid to XXXX University through their online portal payment system. As a result, the balance with the University has been satisfied and is no longer owed. I spoke with XXXX XXXX and another rep who identified herself as XXXX XXXX on Thursday, XX/XX/XXXX at XXXX and XXXX. I notified the collector that I had made a payment with XXXX University via their online system in the amount of {$1600.00}. These payments were made on XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$1300.00} and covered the total debt I had with the University. The representative was very short with me and extremely rude. She hung up on me and denied me access to speak with a supervisor regarding my account. I inquired about the process for removing the account from credit report once the balance has been paid. The representative stated that the account will first report as paid in full and then two weeks later it will be removed from all three credit reports. I asked could I get a statement in writing confirming this and she noted that Ability Recovery Services would not be able to furnish a written statement. I have repeatedly asked to escalate mt concerns to a supervisor and the representative continued to say " I am not going to go back and forth with you or transfer you ''. The representative has noted that unless I am calling to make a payment she will not speak to me. I also have reason to believe that the representative who identified herself as XXXX XXXX, lied about her name. Based on the voicemails I have received from " XXXX '', her voice and accent sounds exactly the same.

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 2021-10-14
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing for several months with XXXX XXXX XXXX items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. Flagship Credit {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting me.

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 2019-08-17
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX, I got an XXXX XXXX XXXX XXXX, through XXXX XXXX and was making my payments through them with little to no problems and then in the middle of XX/XX/XXXX, I stopped receiving statements or anything from them and never heard anything at all, Santander never even contacted me by phone or mail to let me know they were the new company, and when I talked to them once and from that moment forth it was a complete and total nightmare, in XX/XX/XXXX, I lost my job and was having a hard time trying to make it while trying to find another job, meanwhile Santander were relentless, constantly calling, and I told them my situation and they in turn allowed me to pay {$180.00} of a {$340.00} payment and told me that I would be okay, and I kept in contact and made my payments as was set up and then by XX/XX/XXXX, I had full-time hours again and was only one payment away from being completely caught up and with no notice XXXX XXXX came in the middle of the night while I was sleeping and took my car with all my belongings and tried to sell them back to me, and Santander calls me again with urgency like they cared so much, at first said that if I could pay {$400.00} I could have my car back, I said I could do that, but then it changed to me misunderstanding things, it is really {$1400.00}, which I did not have on hand, they sold the car for as cheap as they could {$500.00}, and left me with {$10000.00} to try to pay off, these people are so crooked and greedy, if they had answered their phone, talked to me, they would have known that I was one payment away, to allow me to pay half on my payment then take the car anyway, was just XXXX. And they still seem to think they are owed the world, and XXXX XXXX was just as bad, at least they could have given me a chance to get my things out of the car before they took it, the whole situation was crooked, I would NEVER do business with Santander again they are rotten Monetary Loss : {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received notice to dispute. Resurgent / LVNV Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX & XXXX of XXXX, Capital One Bank stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, XXXX shows account was paid as agreed, no negative information was placed on the two accounts that I had with Capital One, under my XXXX credit report so I am requesting this negative information be removed from XXXX and XXXX as well due to inaccurate information being placed on my credit reports. Late payments being reported to XXXX, but not with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Hospital sent a bill that was paid by insurance to collections. I reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 

I contacted Equifax twice providing them the correspondence and documents stating their was no amount owed for the medical bill because it had been paid in full by insurance. However, Equifax negligently kept this report on my credit record causing reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 






XXXX XXXX Hospital sent a bill that was paid by insurance to collections. I reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and  found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 

I contacted Equifax twice providing them the correspondence and documents stating their was no amount owed for the medical bill because it had been paid in full by insurance. However, Equifax negligently kept this report on my credit record causing great damage to my credit record and costing me hundreds of dollars more on an auto loan because of this false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to talk about the fact that Victoria 's secret has drop my credit score 29 points  all three of my credit bureaus are reporting that I am late with payments which I wasn't and then it's showing that they had closed my account then it was open last month and now I am paying on a {$300.00} credit originally I owe them about {$1200.00} between finance fees and late fees and I've paid the {$300.00} for the credit that I had used over twice already recently meaning XX/XX/2019 XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX my bank is overdrawn because they tried to take out {$20.00} which I made this agreement back in XX/XX/XXXX of this year to pay {$20.00} because I was in hardship and now they're drafting out my account 4 times for the same {$20.00} that I paid on XX/XX/XXXX this credit card company has really messed up my credit score it's been going up and down for the last couple of months out of work and actually paid off all my debt and this one credit card is the one that's tearing up my credit the moose was is dropping my score down 40 and 29 points and I can't get past this because right now I've worked on my credit so hard to buy a house I need some help and I would like to something to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX CONTINUE TO ADD THIS ACCOUNT THAT IS NOT MINE TO MY CREDIT FILE AND EVEN AFTER SUBMITTING MY FTC REPORT AND LETTER ( SEE ATTACHED DOCUMENTS ) THEY CONTINUE TO SWITCH UP DEBT COLLECTION COMPANIES TO PUT THESE ON MY CREDIT FILE. AN I HAVE REALLY HAD ENOUGH OF THE TRICKERY AND SCARE TACTICS THAT THEY ARE USING. XXXX HAS NOT REMOVED/BLOCKED/DELETED THE LISTED ACCOUNTS FROM MY CREDIT FILE XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX. TRANSUNION HAS NOT REMOVED/DELETED/BLOCKED- 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 2021-03-27
Company: I.C. System, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX  I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 pulled my credit report and noticed I have 2 unauthorized inquiries from the following companies and demand that they be removed from my credit reports. Not only is it inaccurate because they are reporting separate dates, but per the FCRA, any inaccurate reporting information must be removed so I'm demanding the removal. 

XXXX  : -XXXX  - XXXX XXXX ( inquiry from XX/XX/2020 ) TransUnion -XXXX/XXXX  ( inquiry from XX/XX/2020 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: MO
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:
n accordance with the Form 1099-C requirements XXXX  account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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 recently found out that my information was stolen. Someone has used my identity and opened these accounts. XXXX XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX {$15000.00}. I have filed an ftc report and spoke with the creditors about these matters and they have refuse to remove them. I did not open these accounts and I have never used these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: PA
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 I paid XXXX XXXX a sum of {$560.00} to settle my debt with XXXX XXXX XXXX ( XXXX ) I was told in the letter received that the account status is now closed. Months later the account still shows open. I contacted both XXXX XXXX and XXXX regards to this but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got an envelope that says I opened bank of America checking account which I didn't do. On the information was an email about where I could send a report about abuse to bank of America. XXXX. Now I am getting emails about sending money and changing passwords etc. What do I need to do?

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 2022-12-25
Company: Experian Information Solutions Inc.
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2019-03-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing to you regarding my loan for hardship for the second time. In XX/XX/XXXX I filled a complaint against my bank who in return told you they would work with me. It was not true once you close the complaint they ask me to fill out a hardship letter for the third time so I did. I faxed it on XX/XX/XXXX & XX/XX/XXXX to  the bank. On XX/XX/XXXX I received a foreclosure notice on my house, and yet still today I have not received a denial letter from the bank. I am XXXX years old and have had my house for over 15 years. I would love to keep my house so I hope the bank will help me.

Company response to consumer: Closed with explanation