BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collector : XXXX XXXX XXXX XXXX, 2016 ( 1 yr, 7 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} I did call the paramedic but when they showed up, but my daughter was fine and decided to drive her to the emergency room myself. They took my name and social anyways, and I asked why, they said just to make sure. And I said will I be charged they said NO.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: NAVY FEDERAL CREDIT UNION
State: NY
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

Identity Theft NAVY FCU Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Potentially Negativeshow tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX.Dispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX all ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account XXXX : XXXX ; XXXX XXXXXXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have my car loan through Westlake Financial, Any time you are even a minute late on your payment ; even if you call them, explain why youre late, tell them when to expect youll make your account current - even after you ask them to limit the calls .... they call non-stop. Anywhere from 6 to as much as 10 times for the day. Equal calls one behind the other to my home and cell phone. Even to my old job where I have not worked for almost 2 years! Most of the time when I pick up its in the middle of a recording or it rings and hangs up. When I do get a person, its a few moments after asking hello multiple times as if it auto dialed me. This company, has also repossessed my car in the past. I was only 2 weeks late, I spoke with them about it, my monthly payment is {$410.00} but at the time I only owed a remainder of {$120.00}. It cost me {$700.00} plus another fee they put on the back end of my loan, to get my car back. Because we paid quickly, they assured us it would not appear on my credit score and it did. I was tanked by -100 points! Devastating! This company has ruined my life. Subprime loans should be illegal. I have begged to have my monthly amount lowered due to extreme hardship, I have done everything in my power and they have just repossessed my vehicle again. My payoff quote far exceeds what my contract is for ... its an extra {$7000.00} dollars on top of what the car is worth and even then, it wasnt worth what I agreed to. ( {$18000.00} ) The agents are nice until you are behind. Ive had a girl badger me and continue to interrupt me asking why didnt you just pay your car note?! Repeatedly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Choice Money Transfer, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I gave XXXX {$1500.00} dollars to be sent to XXXX to a bank. The money has not reach my bank account. I spoke with XXXX several times during the month of XXXX and the only answers I go from her was : There was a delay with the transmit ion, please check with your bank. I kept going to the the agency to inquire about my {$1500.00} dollars until late XXXX when the agency closed down. I also contacted the manager 's office and I was told to go back to a place that was closed down. I filed a police report ( attached ) Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My FTC identity theft report # XXXX. I gained knowledge of my sole XXXX XXXX policy of XX/XX/XXXX OF XXXX VA ONLY ORIGINAL ADDRESS ..being split by unauthorized transactionS at some time without my knowledge and I only obtained thus info in only XX/XX/XXXX. XXXX XXXX refuses to give me copies of those policies created From my sole policy from XX/XX/XXXX and a vehicle history list to justify unauthorized over 100 k claims and payouts after reporting fraud activity in person to XXXX  XXXX XXXX manager XXXX with a injured leg in XX/XX/XXXX. The two checks attached I request bank of America corporation XXXX XXXX XXXX XXXX XXXX nc and BOA XXXX county XXXX georgia and as stated bank of America no address just states XXXX Va no identifying boa location in VA. and ask boas three locations in XXXX county nc to identify the owner and all emails used and all ipaddresses used and addresses and my name spelling used and phone numbers used to create these BANK OF AMERICA CUSTOMER CONNECTION ACCOUNTS thru XXXX XXXX XXXX or a XXXX XXXX location. I am requesting the signature cards of the owner that created and used these customer connection accounts both bank of America BAL BANK OF AMERICA XXXX VA ..NO identifying ADDRESS OF ANY KIND REPORTED ON THE 1 OFFICIALLY issued XXXX XXXX ... ON THESE CHECKS thru bank of America customer connection accounts XXXX VA. MARKINGS FROM CAR AND DUR ... .Explain this to me bank of America. Again there are bank of America type of money transactions ACCOUNTS AND USER ONLINE capabilities of my solely owned monies WITHOUT MY KNOWLEDGE OR PERMISSION. 
ATTENTION BOA ONLY SEND YOUR official response thru the cfpb so I get it and can read it. As I reported to the federal law enforcement of the USPS and to boa and others ..that I never received bank of America 's responses of approx 8 as stated was sent to the CFPB directly to the consumer by bank of America XXXX XXXX XXXX nc until the group of copies of letters I received only XX/XX/XXXX. The unaccounted for letters from BOA had proof and evidence I have been claiming since XX/XX/XXXXto XXXX at XXXX XXXX XXXX XXXX  XXXX va in person every year and more until XX/XX/XXXXto XXXX XXXX  at 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 2018-01-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received correspondence from Wells Fargo XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX. The correspondence was addressed to XXXX XXXX XXXX with a mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX XXXX XXXX does not live at this address and has never lived at the address. He has never used this address as his mailing address. Contacted Wells Fargo customer service department on XX/XX/XXXX18 at XXXX XXXX and talked to XXXX XXXX. XXXX XXXX ask me what correspondence was in the envelope and I told him the envelops was not addressed to me and it would be a federal offense if I opened it. He than asked if I could see the correspondence through the envelope. Please review the tape recording of our conversation for details. I again informed XXXX XXXX that is was a Federal offense to open mail that was not address to me and that I was noting going to prison for an error Wells Fargo made. I than had a telephone conversation with XXXX XXXX and explained that I had received correspondence from Wells Fargo at my residence. PLEASE CALL ME ASAP AND SEND A LETTER TO XXXX XXXX AND TO MYSELF AND EXPLAIN WHY XXXX XXXX XXXX INFORMATION WAS SENT TO MY ADDRESS. XXXX XXXX DOES NOT LIVE AND HAS NEVER LIVED IN THE STATE OF ARIZONA. INFORM ME, STEP BY STEP HOW THIS HAPPENED AND WHAT YOU ARE PUTTING IN PLACE TO MAKE SURE THIS DOES NOT HAPPEN AGAIN. THIS IS NOT THE FIRST ERROR WELLS FARGO HAS MADE CONCERNING MY ACCOUNTS. AT ONE POINT WELLS FARGO REMOVED {$3000.00} FROM ONE OF MY ACCOUNTS WHICH I HAVE NOW CLOSED DUE TO THE ERROR AND PUT THE {$3000.00} IN SOMEONE ELSE 'S ACCOUNT. PLUS PUTTING SOMEONE ELSE 'S PAYROLL CHECK INTO MY CHECKING ACCOUNT AND NUMEROUS OTHER ERRORS.

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 2018-01-20
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:
In XX/XX/XXXX and XX/XX/XXXX, I accidentally missed two credit card payments with XXXX XXXX XXXX. I thought my account was set to " auto-pay '' but apparently it was n't. Once I noticed the error, I immediately paid what was due. Unfortunately, the " missed payment '' notes have lingered on my credit report for more than two years. 

My husband and I are about to buy our first home and we 'd like to have my credit report looking as good as possible. In my 10+ years of credit history, these remain my only negative comments. 

I 've requested that these notes be removed on two separate occasions but XXXX XXXX XXXX has not taken any action. I 'd like to request your help in having them removed. 

Thanks so much, 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 2018-01-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear Sir/Madam, I am contacting your bank in regards to your practices. Citigroup had wrongfully accused XXXX XXXX XXXX XXXX as a conspirator to steal from his father by making purchases by using his charge card. XXXX XXXX did not even have access to XXXX XXXX 's card and has severe XXXX. Your bank has damaged XXXX XXXX 's well-being by forwarding his information to the XXXX XXXX Police Department. Our federal agency is not inclined to release any evidence against your bank. If Citigroup wishes to see the emails, it must contact XXXX XXXX XXXX. Citigroup must write an apology letter to XXXX XXXX XXXX XXXX for accusing him for committing fraud. Citi must also notify the police and reverse all charges against XXXX XXXX XXXX XXXX. It is not illegal for a father to pay his son 's bills, especially because he has a XXXX. XXXX XXXX XXXX XXXX is a model citizen and is an ambitious college student. He did not have any credit or any liabilities. If Citi creates further problems for XXXX XXXX 's family, we will file an enforcement suit against your company. We have also advised XXXX XXXX to close his card if any further problems were to occur with your company. Furthermore, Citi must welcome XXXX XXXX XXXX into a banking relationship with the company as a compensation for the damages he suffered. We appreciate your cooperation in regards to this matter. 
Sincerely, XXXX XXXX XXXX Senior Advocate XXXX NJ CONSUMER AFFAIRS FRAUD DIVISION

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 2021-12-06
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

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 2021-12-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was checking my credit report and I was shocked! Where these accounts came from? I never used them. I dont understand why you put it on my name! I think someone hacked my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-06-10
Company: Apelles, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I received three calls about a personal financial matter. The person informed me that I had an outstanding debt with XXXX in the amount of {$140.00}. The address that was provided for the services, I did not recognize. I told all three people that I have lived at my current location since XXXX. The representative ( XXXX ) told me that Apelles acquired the number but then asked me if I had contact with any relatives? She also stated that if I could just answer simple questions she could help me out. I explained to her that I have never had an XXXX account and I wanted to make sure no one had stolen my identity. She informed me that Apelles does not report to the credit bureau so I should be fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: National Credit Systems,Inc.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I sent a letter to all three credit bureaus requesting proof that the medical debts appearing on my credit report. In the letter I stated " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The response I received from XXXX also know as XXXX XXXX XXXX was a simple letter which states this in response to my request to for verification of the debts owed. This is incorrect and not what I asked for. I have attached a copy of the letters that were sent to the all three credit bureaus as well as the response I received from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Company: EQUIFAX, 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:
We are consumer whom purchased XXXX vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using Equifax and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the XXXX from their XXXX. We are needing our credit and our scores not a run around as we have experienced. Equifax is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Ocwen Financial Corporation
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 status incorrect

Complaint:
Ocwen Loan Servicing, LLC is misreporting information on my credit reports. I disputed this misreporting to the credit bureaus however, Ocwen purportedly validated the account information. Specifically, Ocwen is reporting two mortgage loans with one account number ( XXXX ) on my credit reports ; one account is reporting 91-120 days past due and one account is reporting 120 days past due. I have never had two accounts with Ocwen Loan Servicing and believe this is misreporting is a direct result of their unreliable systems and fraudulent practices that were substantiated in the lawsuit filed by the CFPB. 
This misreporting is has negatively impacted my credit and is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I Try to cover Avery single fee every day but Avery day I gave overdraft churge I call and explain that I ruan to bank to cover the amount but still I get charge

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