BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an XXXX account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XXXX. The last one beingXX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe National Credit Adjusters has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. National Credit Adjusters has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX score has not changed and it is much lower than XXXX, XXXX and XXXX. Navy Federal has not been able to answer my questions. They continue to deny me expect for an auto loan. Something is wrong with the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has bought this debt from another debt collector as it has been sold XXXX  times now because its removed off my credit report as its not my debt. This is a fraudulent account. I have never had any debts with this company or the company it represents. All my accounts are in excellent standing and then right before XXXX when times are tough this company adds an account on to my credit that isnt mine. This is turn had caused me hardships and other credit card companies questioning my ability to pay and also I was turned down for a credit card and refinance on my vehicle. Its caused me sXXXX XXXX and XXXX and I have reported this account as fraud with the credit bureaus. This company never tried to contact me or never sent me a debt validation letter before adding this on to my credit or doing any due diligence to see that this is a fraudulent account. I have made a a complaint with Ohio General attorneys office and I want this removed off my credit immediately as Ill be seeking compensation for damages that is causing me XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are trying to refinance our home to a shorter term. We have fallen behind because of XXXX. Freedom mortgage will not take me out of forbearance so that I can refinance. Ive been trying to get this settled for 3 weeks. They are making it extremely difficult.

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 2018-01-04
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and Midwest Recovery started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged XXXX dollars so far this year in over draft fees. I got a phone call from the manager at PNC and I tried calling back several times and no one has returned my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I am trying to complete an identity verification through XXXX for a job position and they tell me that they ask me questions from credit report pulled from Experian. Most of the questions asked I don't recognize the information and if i answer that its not related to me I get the answer wrong. I've tried to get Experian to give me a more detailed credit report so that I can be able to answer my identity verification questions better or if there is something on there that shouldn't be on there I need to be able to know what's on there because the employers is asking me questions to do the identity verification based off a credit report obtained from Experian. I've contacted Experian customer service several times in regards to this matter and they wont give me a more detailed credit report so that I can answer my identity verification or be able to identify if soemthing is on my report that shouldnt be. I am not able to complete my verification without that report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor : 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 non-monetary relief
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached an account that reporting to all three of my credit bureaus incorrectly and not accurately, per the FCRA they should be reporting accurately to all three bureaus if they all come from the same creditor. PLease delete this account.

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 2021-03-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services Call on XX/XX/XXXX to report error of curtailment. Told 3-5 business days Call on XX/XX/XXXX to determine why curtailment was NOT fixed. Told it was actually 15 business days and that XX/XX/XXXX, it would be fixed Call on XX/XX/XXXX, to determine why it was still not fixed. Was told the VP had not approved it yet. I asked to speak to a manager. Was left on hold for over 30 minutes with no answer. 

Date account was in forbearance : XX/XX/XXXX Normal Monthly payment during the forbearance : {$1100.00} Total amount due at end of forbearance : {$13000.00} Total amount paid : {$13000.00} Amount overpaid : ( {$21.00} ) XX/XX/XXXX Curtailment {$1000.00} applied by Carrington Mortgage in Error XX/XX/XXXX Payment of {$76.00} ( amount told needed to bring the account current ) Amount not properly applied : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Id like to file a complaint against Equifax for violating section 611 Of the FCRA. I filed a complaint with Equifax for reporting inaccurate information. Equifax verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Equifax and all the data furnishers listed below the required letters & I have not received anything from any of the companies. Ive further sent Equifax request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Equifax is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX PXXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: SC
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2018-01-04
Company: Experian Information Solutions 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 am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was " These item are factual record of file access. '' My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. 
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 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  XXXX/XXXX/XXXX EXPERIAN 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  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 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/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, 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 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I didn't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was "These item are factual record of file access."  My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. XXXXXXXX XXXX XXXX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXTRANSUNIONXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/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 2022-02-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, We received letters dated XX/XX/2022 from J.P Morgan Chase bank that they decided to close all our accounts, 5 personal and 2 business. We are a local community doctors medical office who is surviving the financial toughness of this pandemic along with helping the sick community in XXXX north suburbs. The bank decided to end all relationships with us and our company without any given reason. They close two of our business accounts and five personal accounts. We ( family and business ) being customers with Chase bank for 17 years, never had an issue. Unfortunately, without any explanation all our accounts decided to be closed. My attempts to get answers from the branch manager in person and from the support team over the phone had no success. This act causes sufficient damage to all our operations during tough times of fighting with XXXX  related problems. We deserve at least an explanation why the bank is throwing us away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX ran a background check using Chekr background check service and an old driver license from a different state was shown as SURRENDERED and EXPIRED instead of my current license as submitted by XXXX. This is despite the fact they had the current information. This was reported to XXXX and they suspended my account. I called Checkr to investigate and correct the matter, but they then sent another report that listed both licenses, but the EXPIRED one as the current, so the report was still inaccurate and XXXX will not reinstate my account. 

This problem has occurred every year for seven years, each time XXXX ran the background check. Previous calls to correct the problem have not resolved the issue without significant time and effort. The last time, it wasn't corrected for four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: DISCOVER BANK
State: UT
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 had my Discover Card for 20 years! Never late and always a good customer. Well I have n't used my card in awhile so it had a XXXX balance. I have n't got any notices from Discover Card, no  statements or anything. 
Im in the process of buying a house and my lender pulled my credit and there is a 30 & 6 day late XXXX & XXXX of 2017! It showed currently late for a charge of {$25.00} that I did n't make. I called them and they were very rude to me advising me they sent something to my email but I checked my emails and junk and there is NOTHING! 
I am never late on anything with my credit and if I had received a notice I WOULD HAVE took care of it! I mean they can see on my account that I am not someone who is late. 
They were so rude that I closed my account and just paid for the charge.

Discover Card should have disputed the charge for me and the late payments etc would have been reversed and the account would have been fixed. 
But they refuse to help me. One their site they even have a GOOD WILL CLAUSE! On their commericals they claim how they will help you yet they would prefer to lose a long lasting customer of 20 yrs for a mistake charge. I have contacted them several times to fix my account and reinstate it but nobody will help me. 
Because it was n't my fault and because I never got a notice I would like the late payments removed and my account reinstated - open again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 Toyota Motor Credit sent me a letter to collect the debt with amount is {$3600.00}. I respond to them that I don't have any account with them and my name is not the same as the person they want to collect the debt but they didn't respond to me. 

Today XX/XX/2020 I received a letter from XXXX XXXX XXXX XXXX attempts to collect the debt for Toyota Motor Credit, that debt not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My complaint is against TransUnion. In XX/XX/XXXX, I noticed the account types had been changed for two of my paid off accounts. Though the accounts were paid off, a change in the account type from an installment to a revolving account with a XXXX balance would make the account count against me. These accounts had previously been reported correctly and had been paid off long before this arbitrary change was made. So, the merchant did not change the account type after it was paid off. Transunion made this unauthorized change. 
I requested that the account types be changed back to the appropriate type. Additionally, I made a point of telling them NOT to remove my good accounts from my credit profile- and yet they did it anyway. Transunion also removed a second good account, my federal student loan, which left me with a credit report skewed towards negativity. This is a common practice with the credit reporting agencies, some more than others. Transunion is notorious for it and I am requesting that they not only reverse the harm that they have done to my credit, but that they are monitored, regulated and occasionally audited in the future. 
This sort of permissible behavior contradicts the fair credit reporting act. If this Act is in fact legitimate, then I want to see it enforced! Credit reporting bureaus have far too much influence on consumers ability to enjoy the basic freedoms that are supposedly endowed to us as US citizens to be allowed to operate unchecked and unregulated. 
Enclosed you will find files containing a copy of the two accounts : XXXX XXXX and XXXX XXXX XXXX as they appeared when last reported correctly. The receipt of the complaint filed for not only those two accounts, but also XXXX XXXX ( XXXX ), which was also erroneously reported as being included in my bankruptcy. A copy of the results is also attached. A 2nd file shows all of the good accounts, most of which you will not find in the 3rd file, which is the last credit report that I requested. The cover sheet in file # 1 will show that I have been in Transunions file since XX/XX/XXXX, but strangely there is not a handful of good accounts on my credit report. Something is very wrong with this reporting system.

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