BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: NAVY FEDERAL CREDIT UNION
State: LA
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 contacted NAVY FEDERAL CREDIT UNION about the compromising of my ssn of which accounts were fraudulently opened in my name. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX in which I have provided the company along with my dispute. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) states that these accounts must be removed within 4 Business Days of receipt. The company has yet to remove and block these items which are fraud and which are violating my rights.ALSO, I also want to add that this is an ongoing issue as the referenced accounts were deleted and blocked and then re added by changing information on the alleged debt. I would also like to add that the company is changing information on the debts such as amounts and account numbers just to add the debt back which is in violation of my consumer rights. The following accounts are as follows 1.NAVY FEDERAL CU {$16000.00} XX/XX/XXXX original account number reported as XXXX now reporting as {$16000.00} XXXX 4.NAVY FEDERAL CU {$1700.00} XXXX original account number reported as XXXX. Now reporting as closed no payment due and account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Macys account reporting on credit report. Macys charged off account and did not provide a cancellation of debt and is reporting the account past due which violates the 15 usc 1681 eb fair reporting act. 

Account balance {$2100.00}

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 2023-04-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please review and investigate following errors, inconsistencies and inaccuracies and omissions I was able to find on my reports. 
According to the FCRA you must maximum possible accuracy when reporting and sharing my credit history.As shown below it is clear and apparent that this doesnt meet the standards required by the FCRA not your own industries writing and accepting standards.I feel and accurate report is very important as I have heard that people have be denied life changing loans because their credit score was just one point away from qualification The payment history information needs to be investigated and either completely fixed or this account should be removed in its entirety.I feel that in order to maintain the federally required maximum possible accuracy on my reports in the FCRA the entire payment history on the account must the showing the and accurate Experian I notice after you start reporting on this account that there was missing data is a violation as the information missing could affect my score and turn my ability to obtain a loan.Please investigate the data for the following months that are missing payment information XX/XX/2018 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 2019-03-30
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech has arbitrarily changed my monthly payment due XX/XX/XXXX to include an absurdly high monthly escrow request. This started with an escrow analysis in XX/XX/XXXX which was in error and I immediately informed Ditech of the error. I have sent numerous emails through their internal system, sent faxes to their published fax numbers, and qualified requests to their published qualified request address and have received no correspondence regarding the error and it has not been corrected. 

I made my mortgage payment already for XX/XX/XXXX and it has been received. Unfortunately, Ditech has misapplied it, dividing it arbitrarily between principal and escrow rather than the first to the principal and interest payment due with the balance going to escrow.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Order XXXX was placed and billed to my target credit card on XX/XX/2020. Target shipped the goods 11 days later on two separate tracking number. Tracking XXXX was refused and returned to XXXX. Til date I have not received XXXX for the returned item that was never received. I've called several times and was transferred numerous times. No goods or funds. I desire a refund of {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT FILE AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. THESE DEROGATORIES ARE REPORTING INACCURATELY AND I HAD NO KNOWLEDGE THAT THEY HAVE BEEN REPORTING WITHOUT AUTHORIZATION. I AM DISTRESSED THAT THOSE COMPANIES HAVE HAD ACCESS TO MY PERSONAL INFORMATION AND MY SOCIAL SECURITY, IT IS ILLEGAL TO REPORT NEGATIVE ACCOUNTS ON ONES CREDIT AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS OFF MY 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 explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2022 I I was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX Where I was looking to purchase a pre owned Car. I ended up purchasing a car that Day and during the process I incurred six hard pulls Across the three credit bureaus Experian XXXX and XXXX. End result I ended up approved and And taking out a loan that day from The lender that was best for me. Being that I was categorized as approved over For financing I am requesting that all hard poles be removed By all three credit bureaus In good faith As All they do is cause a negative impact on my score For no reason As in the end I left with a car that day And as I said I was approved. Please see attached document Proving my acceptance and approval For financing from the Company I ended up choosing to Purchase my vehicle that 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 2021-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX Balanceed Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-16
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a solicitation from an attorney offering to help me with my lawsuit and garnishment. I called to see why I received the letter and they said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX had filed to garnish my wages and that they had a judgment. I looked online and found a summary judgement from XX/XX/XXXX that they renewed almost 7 years later before it expired. I had contacted them around XX/XX/XXXX due to an entry on my credit report for a collection account and never received a response. I have received no communication from them at all, but now that they have waited until this robofiled judgment has almost gone dormant, suddenly they want to pursue garnishment. I have n't even been served with it yet. I called and got nowhere. I know for a fact they were ordered to pay over {$3.00} million dollars to the civil fund in XX/XX/XXXX for the very practices they used in procuring my judgement. I want my judgment satisfied and my  garnishment stopped. They are not a legal practice. They are debt collectors buying debt for pennies on the dollar and using their " law practice for consumer 's rights '' ruse to avoid direct oversight and using the courts to profit. They should not be able to be punished as XXXX XXXX  XXXX and just change their name to the other two partners and keep on ruining lives.

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 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Date XX/XX/2021 the transaction amount {$8800.00}, we have XXXX account in Bank of America, it is non profitable account .so Bank of America they payed off {$8800.00} for some one, when we contacted with them about this case, they said just we investing .So they didnt make any decision by these case .please we need help from CFPB .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 2020-09-18
Company: ORG GC GP Buyer, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX XXXX  GC Services Debt Collector File Number : XXXX XXXX XXXX XXXX Total amount owed {$1000.00} as of Monday XX/XX/2020 with GC Services Payment made on XX/XX/2020 in the amount of : {$200.00} to GC Services due to feeling pressure to pay. 

Total amount to be paid is {$1200.00} to GC Services Original Loan was a smart loan with XXXX XXXX   or XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX. XXXX  XXXX XXXX, TX XXXX XXXX Loan number is : XXXX Taken out on XX/XX/2020 Original Loan amount was : {$1100.00} As of today XX/XX/2020 the principal balanced owed to XXXX XXXX XXXX  Texas is {$960.00} and the Principal and Interest Balance owed is : {$1200.00} with my payment made on XX/XX/2020 in the amount of {$200.00} reflected ... 

GC Services took over collection for this smart loan. 

For my checking account number ending in : XXXX I owe an overdraft balance of {$100.00} a balance I have been making payments on to XXXX out ... 

XXXX XXXX  refused to allow me to pay my overdraft fees and balance on my checking account first and insisted I pay off this smart loan first ... All the same I did make some good faith payments to my overdrawn account to bring that overdraft balance down to a XXXX balance..I will continue to do this till that overdraft balance is paid in full ... I also tried to call about my smart loan but was asked excessive security questions and was then refused help after waiting on hold for a total of thirty minutes ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: BTH Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXX appeared on my credit report. I had to do a little bit of research to see who they were. It appears that they said it is a medical collection. However once I got a notice from them. It is saying plaza service is the new creditor. Original creditor was XXXX XXXX XXXX. I have never had any dealing with either business and I believe seriously fraud is happening.. how can they list a debt I have no recollection of as a medical debt and trick me into paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 I purchased a home with financing from Primary Residential Mortgage , Inc. headquartered in XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I used a local agent named XXXX XXXX. I did not want to take any money from my retirement to attain 20 % down and I was advised that I could get REFUNDABLE PMI. I agreed to pay {$7800.00} and was told that once I achieved the 20 % equity I could apply for a refund. I sold my previous home, I owned it outright and paid enough to qualify for a refund. Prior to making the payment I inquired as to how to handle the refund process and was told there was no refund provision. The loan had been sold to XXXX XXXX  and this was their position. I contacted PRMI many many times and according to XXXX XXXX everything would be ok as he confirmed our agreement for REFUNDABLE PMI. We actually came to the decision for this provision face to face at my home in XXXX, RI. My wife is a witness to this meeting. He does not respond to my inquiries any longer and I have not received any refund. 

this loan was sold almost immediately to XXXX XXXX. I contact them in XX/XX/2018 to inquire about the refundable PMI and they advised it was not effective.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: American First Finance, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I received a letter XX/XX/2023 from American First Finance LLC " confirming weekly electronic fund transfers in the amount of {$200.00} will automatically draft from debit card XXXX. '' I did not open this account, do not use debit cards or have a card that ends in XXXX. In reviewing my credit report this account reflects a lease was opened XX/XX/2023 with a balance of {$20000.00}, term of 24 months and a monthly payment of {$870.00}. My credit report shows there is a balance of {$4900.00}. 

It appears this account was fraudulently created using my personal information as it appears on my credit report. I've filed a police report with XXXX XXXX XXXX XXXX XXXX. The case number is XXXX. Detective XXXX XXXX can be reached at XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been attempting to deal with Firstmark who services my student loan on behalf of XXXX XXXX XXXX XXXX There was an overpayment to my prior servicer and a refund was issued on XXXX to XXXX in the amount of that overpayment. Now two months later and multiple communications later no one at XXXX or Firstmark can account for the that overpayment check. Firstmark refuses to communicate with XXXX  for whom they perform the servicing. Today, XXXX XXXX from Firstmark sent me an email asking me to contact XXXX about the outstanding check. How can an originator and servicer require the borrower to play intermediary between them? The prior servicer also told me that XXXX often takes longer than most servicers to process these payment. This sounds like a systemic issue and the lender and servicer dont have a clear line of communication or a simple process to account for overpayments on refis of which Im sure the majority have. I would recommend the CFPB do a review of this procedure to determine the average time it takes them to process these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent two letters requesting validation of debt to this company. They only responded by sending a letter asking for payment and they continue to send me invoices threatening to send my account to collection. I would like the debt validated and then if it is proven to be my debt I would like to make payment arrangements to clear this debt, but I do not want to pay on a debt that I do not know if it is mine or if the amount of the debt is correct.

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 2020-09-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was a cosigner on my step-daughters car with XXXX. XXXX said their policy was to contact cosigners if the borrower was not making timely payments. Weeks after my step-daughter had 'promised to pay ' XXXX - they sent me a letter saying the payment was not made and it had been reported to credit agencies. I called them, and they said, it was too late to fix it - the borrower ( my step daughter ) did not pay and she continued to promise to pay. I inquired to their policy of contacting the cosigner to make a payment before it was reported to the credit agencies - they said it was an oversight because the borrowed continued to promise to pay when they spoke to her. I was never notified to rectify the issue. I know this is their policy and they have stated this is their policy, it had happened once before and they did let me know before it was too late. This time they failed to inform me until after it was too late, they never called or contacted me via email or phone or text or other means to pay the payment before submitted the late to the credit agencies. 

They said it was too late for them to fix it, and if it did indeed end up on my credit, to file a dispute. I filed a dispute when Experian and they returned the dispute that the creditor said the file was accurate. We ended up paying off the loan in full, so the loan is now closed and no longer outstanding with XXXX. But it has effected my credit as a 30 day late and I am fairly livid that XXXX could not fix it, did not follow their protocol for cosigners and have now reported my dispute was 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 2019-01-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is illegal reporting I've had 2 accounts in this office since XX/XX/XXXX ( medical ) and the debt was sold in XX/XX/XXXX ( confirmed by the other agency ) however BOTH AGENCIES are  reporting the SAME DEBTS as an active and verified debt. I've called and left several messages on the " supervisor '' line and have yet to ever receive a return call. My next step is obtaining a lawyer and pursuing legally for the negative affects 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 explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXXXXXXXX XXXX has been reporting as late payments. This account has been paid before 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 explanation