BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am here to inform you that I have no debt obligations with you all and you are in violations with 15 USC 1692 c-i, FDCPA, and TCPA. I am attaching documents to this email support my claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i have a synchrony bank credit card on XXXX. onXX/XX/2018, i went online to pay my monthly bill as i have done ever since i had this account. i checked the box for minimum payment due of {$38.00}. and found out on tuesday XX/XX/2018, that somehow the website errored and put my payment as total balance due of {$1100.00}. by this error occuring they wiped out my entire checking account. i incurred 5 overdraft fees of {$36.00} each, my car payment was returned, my gas bill was returned, my cable bill and another one. i contacted XXXX immediately and was advised to contact synchrony bank, which i did. i demanded they reverse the {$1100.00} charge immediately and was told " unfortunately due to security reasons " they can't do that. they also told me they refused to pay the overdraft fees unless i had my bank fax them " proof ''. i had to go to my bank and get copies of this and faxed it to them. i was told it would take 5 days to send me a check for the {$1100.00} and they would 'try '' to expedite it. i am on social security and this huge error on their part has left me without funds. and incurring late charges now on the bills that the bank returned for insufficient funds.

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 2018-06-06
Company: Encircle Collections, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had A burglary at my home resulting in the loss of personal items including birth certificates, social security cards, check books, and money. I recently learned of a check that was written off of the book of checks that were stolen. I contacted the collection agency and told them that I didn't write this check. They have been provided both an FTC affidavit and a police report. Yet they still refuse to remove this fraudulent account from my credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: NC
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 submitted a dispute with the credit reporting agency in regards to a bankruptcy showing on my credit report the bankruptcy doesnt belong to me I have contact the source for which the bureau state to have received the information the source report they have no file on me and that my file were suppressed due to s previous Id theft several years ago The new public records law requires personal information to match in this case the information being reported for bankruptcy doesnt match my personal information the name is incorrect alone with the address the FCRA requires this information to match or be deleted the credit bureau has refused to delete information the new law also states information must be updated every 6 months this also hasnt been done Im requesting physical proof of such bankruptcy filing bearing my signature ASAP or the actual documents provided to the credit bureau

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 2017-12-08
Company: Rent Recover, LLC
State: FL
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 have received a letter from Rent Recover of XXXX XXXX XXXX dated of XX/XX/XXXX saying that they placed me for collections on XX/XX/XXXX because I didnot pay the amount of {$6000.00} to The Tides at XXXX XXXX, XXXX for rent. 
I dont know anything about that. I dont even know where The Tides at XXXX XXXX, XXXX is located. 
I called Rent Recover of XXXX XXXX XXXX to know how they found my information, they kept asking me if I know XXXX. I told them no I dont, they said that they see that I co- signed a lease for someone in XXXX. They continued to say that they saw that I paid a certain amount in XXXX to take off my name from the lease. I didnt pay any money to any one take off my name from a lease.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-21
Company: LEXISNEXIS
State: FL
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 obtained my LexisNexis Consumer Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my report. I never gave LexisNexis any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I wrote LexisNexis and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer.

I also sent LexisNexis a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Was not notified of investigation status or results

Complaint:
The account shows the payments were late. The payments were never late. They also failed to verify the investigation within the 30 days. They did not provide me with any proof of their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were working with a company called XXXX who I looked into and was a good company.we received a letter from calliber who is our current mortgage company that said we hate to see you leave Give us a chance to beat so we called them and were being taken care of by XXXX XXXX who was a license home loan accountant from caliber. She was able to do the loan for us turned around and got fired after she explained to us we didn't have to make our payment it went 30 days long she got fired I got screwed. I have never been late on any payment ever on twenty years. I would not of never been late if she didn't tell me to. She said worst that would happen is I would have to take late fee. The appraisal was completely done bug inspection was completely done She instructed us not to make payment XXXX has ruined my credit score. Cause me to practically go bankrupt. And has caused me to not be able to get a VA cash out. If diamond didn't do nothing wrong why would they let her go. I can't understand how they can get away of running XXXX veteran. Which I suffer from XXXX. The say phone calls are recorded but they control which ones they use. There is a website that XXXX XXXX could of looked up our appraisal that was completely finished She never did.it is a va website all company use. The date is on the report when it was completed. We also electronicly signed all papers we were suppose to. Everything they told us we did She choose to get off rival company we were going to use. They are not responsible anymore Once I completely signed all close Ing papers. The loan number is XXXX. XXXX XXXX works someone else But reluctant to be apart anything with caliber or her. But calliber is trying to lie to cover mistakes They are trying to cover fact they made major mistickes. And it has ruined my credit and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The American Express send me the XXXX XXXX credit card offer by the email at XX/XX/XXXX, for the following promo-tion : XXXX bonus miles after spending {$2000.00} or more within three months and {$50.00} statement credit after make a XXXX purchase within three months. ( See attachment Page 1-2 ) I applied the card by the email link which American Express send to me at XXXX XXXX, XXXX. The card was approved. ( See attachment Page 3-4 ) I  spend more than {$2000.00} and made the purchase of {$50.00} from XXXX XXXX XXXX on the card within less than three months period. I paid the annual fee {$95.00} too. 

But XXXX bonus miles and {$50.00} statement credit never posted on my account. I have been contacted to American Ex-press at XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( See attachment Page 5-9 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
WAKEFIELD HAS BEEN HARASSING ME FOR 2 MONTHS NOW FOR THE COLLECTION THAT IS NOT MINE, AND FAILED TO VALIDATE OR PROVIDE DETAILS ON IT. I BELIEVE THAT THIS IS A SCAM BECAUSE I HAVE MONTHS RECEIVING LETTERS ABOUT THE AMOUNT I OWE AND EVERY MONTH THAT I GOT A NEW LETTER TEH BALANCE WAS ALWAYS DIFFERENT.. I GOT NUMEROUS AMOUNT OF LETTERS AND CALLS THEY STARTED FROM REDICULOUS AMOUNT AND KEEP DECREASING AS TIME WENT BY, AND I HEARD ON THE NEWS ABOUT THE COLLECTION LETTERS SCAMS ... ONCE IT CAME ON MY CREDIT REPORT IS WHEN I TOOK ACTION BECAUSE MY INSURANCE PAYED THE MEDICAL EXPENSES AND I ONLY PAYED WAS LESS THE AMOUNT OF XXXX DOLLS THAT I WAS DUE FROM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: GOLDEN 1 CREDIT UNION, THE
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: Account information incorrect

Complaint:
Having a car loan with Golden1 Credit Union continues to be a bad experience. Because the experience was so bad, I paid off the loan on XX/XX/2021 after five or six payments. Terrible website you can't log into, not sending me statements, and customer service that didn't answer the phone was enough. 

Today is XX/XX/2021, and I paid off the loan on XXXX XXXX, yet they are still reporting to XXXX and XXXX that I have a loan. This is negatively affecting my credit score which is a problem as I am mortgage shopping and my FICO dropped below 800 for the first time in many years, and it is because of Golden1. 

Why can they not simply report the loan as paid off?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: MARINER FINANCE, LLC
State: DE
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 disputed an error on my XXXX  credit report on XX/XX/XXXX. They have a negative account from Mariner Finance company listed on my report that has been paid in full since XX/XX/XXXX. I know for a fact the account is paid off and closed because the loan was for a car and Mariner Finance sent me the title to the car last year in XXXX XXXX which has been sold in XX/XX/XXXX. 

The response to my dispute is that it would remain as negative information on there because the information was verified as accurate. That is incorrect information and it needs to be removed. Also, they have been reporting account information after XX/XX/XXXX that says the account is OK or has been paid monthly when there is nothing to pay on the account for over an entire year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: WELLS FARGO & COMPANY
State: IN
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:
Hi, I applied for an Auto Loan at XXXX  and XXXX XXXX.

But I see about 5 more extra hard inquiries on my credit report to whom I have not even spoke or had any business associations with.

I wanted the inquiries made by them to be removed from my history.

Below are the firms which made hard inquiry on my credit report on XX/XX/2018 : 1. Wells Fargo Dealer services 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX I tried reaching out to the customer care numbers, but the menu options are members centric whereas there seem to be no way to file a complaint related to credit report pulls. 

I kindly request for your help on 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 non-monetary relief
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX & XXXX XXXX I have attempted to dispute public information being reported inaccurate on my credit file. I have disputed this information as not mine and someone with similar name filed bankruptcy. I have asked for physical proof that this public record being reported in mine. Since public record information is reported from a 3rd party source. Credit agency will not send me physical proof and keeps telling me that information is being furnished from the bankruptcy court. Bankruptcy courts do not furnish information to credit reporting agency. I received a letter stating to refer to the personal credit report you received for name, address, and phone number ( if available ) but nothing is available. I have yet received physical proof that the public information being reported is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on XXXX accounts in the past 7 years. Kohls/Capital One reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and they updated the status to Never Late on XX/XX/XXXX but left the negative history on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XXXX or XXXX and it should not be reporting negative. 

My reports do show " Discharged through bankruptcy chapter XXXX/Never LatXXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for Kohls/Capital One to show what I mean by negative payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: MoneyLion Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
This company sent me a letter saying I will be getting a refund back. The reference number is on XX/XX/XXXX, our Bankruptcy team initiated a refund for {$340.00} on XX/XX/2023 ( reference number XXXX. 


They lied and I don't have the money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 I called Hunter Warfield because there was something on my credit report. I asked for a letter to verify the debt because I have never received anything. They responded by harassing me and telling me that if I didnt pay them immediately they would sue me. I told them okay I understand that but I need to receive a letter. RUDE. The man badgered me about everything but sending me the letter. I mailed them a letter as well telling them I wanted written communication and no more calls, that I was requested a debt validation. 3 weeks later and no response. They are still trying to contact me by phone.

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 2019-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
They did not tell me about a rate increase from ( approximately ) 19 % to over 25 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Was not notified of investigation status or results

Complaint:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2018-03-05
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received my credit report from Equifax, datedXX/XX/XXXX. I then contacted Equifax to ask questions regarding my account history. I asked if It would be beneficial to have the 5 accounts listed ( closed by me and always paid as agreed ) removed since the credit report states accounts paid on time should not be reflected on the credit report. I was told to file a dispute and have them removed by the representative. Dispute was filed XX/XX/XXXX. I recently checked my credit scores and Equifax decreased my score by 3 points because my account history was removed! I called Edquifax again today and asked the representative to put my credit history back on my credit report and if we had to file another dispute to do that, then I want to do that. After an hour on the phone with a representative that did not speak English very clearly and who obviously did not understand my simple request of putting my credit history back on my credit report, I gave up! This is not a difficult request.

Company response to consumer: Closed with explanation