BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: Innovis
State: OH
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:
This is my 3rd time disputing these address on my credit file. I have never lived in NEW YORK in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX DOB XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
I am disputing the unknown account on my credit file : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION/XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
I discovered that in XX/XX/XXXX that someone I was dating was stealing from me. I immediately contacted the police and filed a civil suit simultaneously. As I started to review the drafts on my bank account and credit cards. I had discovered that this individual had been making charges and also fraudulently opened accounts. In the month of XX/XX/XXXX, I also hired my own private investigator and later found out that Navy Federal had allowed this gentleman to obtain checking and savings accounts with me as his sponsor without even notifying me. This individual also has called in checks off of my credit card and actually had an alternate credit card that belonged to me in his possession. When I opened this account for Navy Federal and called to activate the card they told me that I qualified for a different card with better rewards. The agent told me that he would cancel this one and send out the new one. I later find out that Navy Federal did not only did not cancel the card but gave it the same number so when I activated the XXXX XXXX XXXX it activated, the other card that I disposed of was activated as well. I actually have proof from Navy Federal that this individual fraudulently called in a check to pay the bill for another card that he fraudlently opened in my name with XXXX. I have proof of my travel through the month of XX/XX/XXXX through early XX/XX/XXXX that I was in XXXX, IL, but multiple charges were made throughout North Carolina and yet Navy Federal still refuses to reverse the charges. I would like to be given a fax number to send all of these documents at when I try to upload it keeps saying file size to large.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The company Wellsfargo Dealer services continues to withhold funds over the 120 day threshold they claim they have with North Carolina consumers, which is of my refund of {$290.00} or more... 

XX/XX/2021 the XXXX was canceled in writing. The loan was paid off prior to Wellsfargo receiving the check in my name from the dealership ; the check should have been sent back to the dealership in NorthCarolina, instead Wellsfargo stole the money and kept it without cause and refuse to release the funds, although it's well over 120 days, and XXXXdays past their 120 day rule.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, 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:
It has been years now since I've furnished the proof get to XXXX XXXX XXXX via XXXX XXXX to be untrue because I was completely insured at that time by XXXX XXXX XXXX XXXX XXXX  insurance and that the bill should have gone to that insurance. I furnish proof to the credit bureaus to the consumer protection financial bureau and submitted a prior FTC report regarding the matter yet still it continues to be reported because XXXX XXXX  simply changes the amount and re-enters it as a debt. This is a form of extortion and should not be allowed in our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My brother, aunt, and I inherited my late mother 's home in XXXX. The home had a mortgage on it, which we paid off in XX/XX/XXXX pursuant to a loan payoff quote received from PHH Mortgage Services. Unfortunately, PHH Mortgage Services did not take into account our regular loan payment for that month when providing the payoff quote and, thus, the company received an overpayment when we paid off the loan. PHH Mortgage Services mailed a check for the overpayment in the name of the estate despite being told multiple times, including in XX/XX/XXXX, that our family does not have an estate bank account. 

Following our payoff of the loan, we were informed about the overpayment and told by multiple PHH Mortgage representatives that the mortgage company would issue a check in the amount of the overpayment and would include as the payees the property owners, my brother, aunt, and me, since there was no estate bank account. However, the company sent a check in the name of the estate in spite of their prior claims. When receiving the erroneous check, I contacted the company and was requested to once again send copies of the deed and probate paper. Upon sending those documents, I was informed that the check would be re-issued in our names. I followed up several times after this conversation and a new check was not re-issued until XX/XX/XXXX, and was once again issued with the estate as the payee. 

I have tried resolving this issue with the mortgage company since paying off the loan in XX/XX/XXXX, including speaking with a representative today, XX/XX/XXXX, to no avail. My fear is that the mortgage company will wait for the erroneous check to expire and fail to pay my family the overpayment it received on the account. As I have explained over and over, if their accounts payable team has difficulty understanding how to include multiple payees on a check, then they can simply refund the overpayment to the bank account from which we paid them. 

We are a working class family from extremely humble means so every cent matters to us. We feel it is unfair that PHH Mortgage Services could get away with stealing our money as a result of their own error in not providing an accurate payoff quote. 

We would sincerely appreciate any assistance the CFPB may provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: DISCOVER BANK
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have Discovery Credit Card for almost 3 years and I find out several charges to my account, charges the I never authorized. I contact Discovery and reported those transactions one for a company XXXX XXXX a membership they start deducting every month for several months {$49.00} and the other transactions are a membership from XXXX for the amounts of {$13.00} for several months also. When I found out I contactDiscovery  and reported, they send me new card but Never stop the NOT authorized transactions. They say they investigated but they asume the transactions are valid???? Im the customer and I never authorized those transaction, was a fraud transactions and Discovery dont protect customers against fraud. I stop the card to prevent more transactions go to my account, I lost a lot money because Discovery doesnt protect my credit allowing fraud transactions and I never stop making payments,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the TransUnion credit bureau was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXXXXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$12000.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2022-03-30
Company: BCO Consulting Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This company BCO CONSULTING SERVICES provided me with information for forgiving my student loan. I set up for them take money out of my account to pay the loan. I was told by XXXX that this is a third party company and it was not a good ideal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX a family member used my Amazon credit card ( synchrony Bank account ending in XXXX ) without authorization to order a new cell phone in the amount of {$490.00}. ( from Amazon ) 3 hours after the order was placed I received a confirmation email and promptly called Amazon customer service to cancel the unauthorized order. They declined to cancel the order. The phone was delivered several days later and promptly returned to Amazon unopened. 
Amazon set me an email acknowledging they received the returned order. As compensation on XX/XX/XXXX Amazon issued me a gift card for the {$490.00}. 
I called Amazon and declined the gift card and asked them to credit the amount to the credit card. On XX/XX/XXXX Amazon canceled the gift card and I assumed credited my Amazon Store Card issued by Synchrony bank. But as of today ( XXXX ) after countless calls and disputes, and mailed documents as requested Synchrony bank they refuse to correct the fraudulent order and remove the charge from the card. They are fully aware it was a fraud order and the item was returned to Amazon. I have emails from Amazon customer service indicating they have notified Synchrony Bank to cancel the charge on my credit card but they still refuse to do so. Its now in collections!

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 2021-05-12
Company: Experian Information Solutions Inc.
State: IL
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:
As indicated by the attached copies of letters and mailing receipts, Experian have been delivered by certified mail numerous dispute letters as well as a follow-up letter, dated as far back as XX/XX/XXXX. As of this moment, Experian have not done their duty mandated under the law. The inaction in this matter is inexcusable, and the disregard for the law is contemptible. 

As you are well aware, federal law requires a response within 30 days, theyhave failed to fully update my Credit Report accurately. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter. I further reminded Experian that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised Experian on ten separate occasions, more than 75 days and again 40 days ago : XXXX Account number 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 2021-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday I get calls from XXXX XXXX about a credit card account that was closed in 2011. Their claim of owed money and the account information therein, doesn't show at all on my credit reports. I have received calls from XXXX, XXXX, XXXX XXXX XXXX usually 2-3x a day

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 2021-10-04
Company: EQUIFAX, INC.
State: CA
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:
I have noticed an account displaying on my consumer report that is in violation of my rights as a federally protected consumer under Title 15 Chapter 41 ( Consumer Credit Protection ). Equifax is violating my rights displaying account : XXXX XXXX XXXX XXXX XXXX. I demand this account be removed from my credit report immediately. 

Pursuant to 15 USC 1681a ( 2 ), Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card, under 15 USC 1681, is the same as it is under 15 USC 1602 which states the term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card used is my social security card. This is the credit card used to originate every consumer credit transaction on my consumer report. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) which details exclusions. As such this transaction is to be removed from my credit report. I am demanding that XXXX XXXX XXXX  XXXX XXXX be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: TX
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX on XX/XX/XXXX 2. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: VA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: EQUIFAX, 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:
Original CFPB Complaint # XXXX - NOT RESOLVED. 

Please understand that this complaint is about Equifax violating the FCRA 605B - which clearly states, " if Credit Bureau is presented a valid POLICE REPORT, they must block the fraudulent information immediately within 1 to 5 days. ) They are IGNORING this and just doing a 30 days dispute. 

There are several complaints online from other consumers who get taken advantage from Equifax and their internal decisions. 

FCRA 605 B is very clear. I am asking for the CFPB to let Equifax know that you are aware of the violation and for them to just follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Strategic Automotive Servicing, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Strategic Automotive in XXXX Texas is reporting that I have a XXXX on my account that I havent paid in a few months. They have my incorrect phone number and incorrect addresses, they claim my father has passed and the car was picked up in XXXX XXXX Texas which Ive never lived in. I contacted them and they basically called me a liar. My identity was stolen in 2008 by someone in XXXX XXXX and I need this removed off my credit as I need a new vehicle

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They kept calling me at first and then they started calling my family members. 

In addition - they threatened to garnish my wages and said that there are pending actions against me. 

I do n't know why they are doing this and I feel really stressed out ... In addition, they have n't verified the debt and they never provided me paperwork demonstrating that I owe them anything in writing? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper cleared our check for the next year 's mortgage payments ( {$25000.00} ) and has failed to have the amount posted to our account. We have received no explanation for what happened to the funds. 

On XXXX XXXX, the following email was sent to Mr. Cooper via email : Good Morning, My check [ # ] dated XX/XX/XXXX for {$25000.00} cleared my bank account on XX/XX/XXXX for monthly payments from XX/XX/XXXX to XX/XX/XXXX. I was told to contact this address to get the amount posted to my account. 

On XXXX XXXX, the following was sent via email : This is a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing to get my payments from XX/XX/XXXX to XX/XX/XXXX paid by check [ # ] for {$25000.00} and cleared my account on XX/XX/XXXX to post to my account. 
Attached is a copy of the check. 
My email sent yesterday has not been acknowledged or responded to. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.

Account No.... 

On XXXX XXXX, we were given a POC [ XXXX ] from the " executive resolutions team. '' He was " still working on it '' as of XXXX XXXX and has not responded to further emails as of XXXX XXXX.

Company response to consumer: Closed with explanation