BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: Global Lending Services LLC
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 seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: CO
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:
In Accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 15 U.S.C 1681 section 602 a states I have the right to privacy 15 U.S.C 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Niagara Restitution Service Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Received call today from Niagra Restitution Services ( XXXX ) XXXX they are harassing with repetitious calls and hang up about a payday loan with XXXX XXXX XXXX  from XXXX estimated date given XXXX and XXXX explaining I never received these funds, I didnt leave at address given, IP address for computer and threaten to take my driving license. I told them I will follow up with my bank I didnt receive it and Ive had identity theft, police report and reported to Federal Trade Commission. They are still harassing and I would like calls stop.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX Fed The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,

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 2023-03-14
Company: Experian Information Solutions Inc.
State: AR
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:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: NAVY FEDERAL CREDIT UNION
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:
Re : # XXXX My minimum payment was made on the due date XX/XX/2023 which I paid. The balance was {$2900.00} after that payment. My Statement date is XX/XX/2023. I made a payment of {$2300.00} on XX/XX/2023 BEFORE the cut off time and, immediately my available credit limit increased.. The Statement was posted on my account but, had not generated being the Statement date closing of the billing cycle is the XXXX of each month. 

Navy Federal reported the balance of {$2900.00} to XXXX XX/XX/2023 and, XXXX / XXXX The prior balance of {$2900.00} BEFORE Re : # XXXX My minimum payment was made on the due date XX/XX/2023 which I paid. The balance was {$2900.00} after that payment. My Statement date is XX/XX/2023. I made a payment of {$2300.00} on XX/XX/2023 BEFORE the cut off time and, immediately my available credit limit increased while the payment was Pending.. The Statement was posted on my account on this day but, had not generated being the Statement closing of the billing cycle is the XXXX. 

My payment was still pending XXXX, the XXXX it finally posted to my account. Even though I made my payment before the Statement generated they reported my account. 

Navy Federal reported the prior balance of {$2900.00} BEFORE my payment to the CRAs on the XX/XX/2023 and, XX/XX/2023 to XXXX and XXXX reporting agencies that effected my Utilization rate. I file a complaint XXXX XXXX regarding this repeated reporting. In their response to the complaint the company says and, I quote Navy Federal sends credit reporting information once per month within the week of the issuance of the account statement.

If I pay my account payment on the Due Date and, Statement Date why is the balance BEFORE the payment is reported and not the balance AFTER my payment. Navy Federal is not accurately reporting my account. If they can report to the reporting agencies the next day after the Billing cycle close, they can report my payment I made BEFORE the Billing Cycle close. This balance will be on my credit report for 30 days and this is unfair and, misleading of judgement to my character, and effects my ability to obtain credit. Such reporting effects the way lenders whom access my credit report. views me. I demand a correction to the reporting and my Utilization rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from debt collector XXXX XXXX to inform me that they are servicing an account that is owned by XXXX XXXX XXXX XXXX, XXXX with a balance of {$9900.00}. The letter states that unless I notify their office within 30 days of receipt of this letter that I dispute the validity of this debt they will assume this debt is valid. The letter does not state that I owe this debt nor does it state that I am the owner of this debt. I sent a response letter to XXXX XXXX via certified U.S. Postal Services on XX/XX/XXXX. In the response letter I formal dispute their claim and I requested that XXXX XXXX provide me with validation, that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them or XXXX XXXX XXXX. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX placed this account with them for collection. I was given another 30 days to dispute the claim. So, I sent XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating that this account has been placed with them for collection by XXXX XXXX   XXXX.So, I sent XXXX XXXX XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
I sent another letter to XXXX XXXX on XX/XX/XXXX as a third attempt requesting validation of all accounts of their claim. No response received. 
On XX/XX/XXXX I received a court Petition from the State of Texas saying I am being sued by XXXX XXXX for breach of contract in the amount of {$9900.00} plus attorney fees of {$3300.00}. In each letter I sent to the above parties I stated that failure to receive their response within 30 day of receipt of my certified letter may result in small claims legal action against their companies at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices section 807-8 and violation of the fair credit reporting act section 623-b.

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 2023-07-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
On XX/XX/2023 I filed Police report with XXXX Police Department and I submitted the police report to Experian Per FCRA 605B and Experian has refused to follow the Identity Theft Law Pursuant To FCRA 605B 15 U.S.C. 1681c-2. I have been a victim of Identity Theft and I requested that this be addressed regarding the listed accounts within the police 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 2023-07-19
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: Personal information incorrect

Complaint:
The following laws have been violated by Experian : - 15 USC 1681a - Requirements relating to information contained in consumer reports- 15 USC 1681b - Permissible purposes of consumer reports- 15 USC 1666 - Reasonable procedures to assure maximum possible accuracy of consumer reports- 15 USC 1681q - Obtaining Information Under False Pretenses - 15 USC 1681n - Civil liability for willful violations of fair credit reporting Among the errors identified in my credit report are wrong personal information, falsified account status and incomplete payment histories. As a result of these inaccuracies, my creditworthiness has been impacted, preventing me from obtaining credit at the most favorable terms and possibly subjecting me to additional expenses, such as higher interest rates and fees.

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 2023-07-23
Company: EQUIFAX, 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 have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my 609 letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another 609 letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: Ditech Financial LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The problem is I want to pay my homeowners insurance directly. Ditech says that FHA requires that my homeowners insurance be paid by Ditech through escrow. I called FHA and was told that Homeowners insurance is not required to be in escrow. Ditech says that Hazard insurance and Homeowners insurance are the same thing. It saves me over {$50.00} a month on my homeowners if it is paid monthly and automatically deducted from my bank account. Which should make my house payment less. Instead Ditech raised my house payment over {$120.00} a month. This makes no sense. Please help me. They are saying FHA requires it. Please help me lower my house payment. I am XXXX and XXXX, so my income is fixed. Raising my house payment is not something I can pay. I don't want to get behind on my house payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase bank notified me of possible fraudulent activity relating to my debit card/checking account. I check to look at the activity and it indeed was not myself making the ATM withdrawals. I noticed that over {$4000.00} had been taken out. I opened a claim with them but they said that since I logged into my account during the time of fraud that it 's considering " monitoring '' the account so they will not honor my refund. I had the card with me the whole time and I confirmed with a chase representative that the withdrawals were made with a card that did n't have a chip ( i.e. Chase security failed me and someone duplicated my card and got my PIN ). Additionally I was not near any of the ATM 's during the time of withdrawls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I XXXX XXXX born on the XX/XX/XXXX & XXXX XXXX born on the XX/XX/XXXX residence of XXXX XXXX XXXX XXXX XXXX XXXX have been victims of firstly professional hackers that have hacked into our phones, bank accounts, XXXX, email. We have had over {$22000.00} hacked out of our accounts and our personal identity stolen. These hackers have made personal loans in our names because they had access to all our personal information from our emails and bank accounts. 
We had to freeze all our accounts our credit cards had been hacked and cash advance payments made. 
My wife was in a car accident she applied to her super to fix her XXXX  and when she got the funds the money was hacked out of our account the next day. 
We have made a fraud pack to the police and we ca provide a police report. 
We are frustrated because we have reported this to the credit score bodies we are have the XXXX XXXX XXXX  whom we have been paying since XX/XX/XXXX to clear this issue and have yet to resolve the issues. The hackers started during XXXX with XXXXXXXX hacking into our account money then went big and we had trading companies hacking into our accounts No have we just lost at least {$25000.00} out of our accounts they made coin spot transactions and wise transfer transactions in our name. They open these accounts in our name without our authority but the banks and other companies claim no responsibility. Now we have the XXXX of a horrible credit score that once was perfect. We cant even apply for loans. 
We explained that we have missed payments because our accounts were locked due to banks investigating the fraud. 
All our enquires are falling on deaf ears. My wife  is now opened a successful business but cant take out a loan because of our credit score. 
We have noticed that a XXXX XXXX default is on our name which we never applied for this loan. 
We have allowed months to go by without complaint but now we have had enough. 
We need our credit score fixed ASAP because we want to move on with our lives our business is on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I stopped automatic deductions from my checking account in XXXX because XXXX XXXX were constantly paying people I didn't owe and overdrafts my account.I went into the bank and paid a cash interest payment in XXXX XXXX .At the end of XXXX about the XXXX, I received a letter saying I was late with the payment. I went into the bank with my receipt to show I wasn't late. I thought the mater was taken care of, it wasn't. I received another letter in XXXX for payment for XXXX along with a letter saying my line of credit was suspended. I called costumer service and let them know it was paid they told me to email them a copy of the receipt, I did that. At the end of XXXX I received letters of my interest rate went from 1.99 percent to 6.percent and they wanted XXXX for XXXX payment and the account will be placed in collections and paperwork on mortgage foreclosure. It all came in the mailbox on the same day. I went in the bank and talked to the manager we called customer service and got the run around of our life. They told use to write a email we did then they sent a response that that was the wrong department so we sent it to a different department with a list of issues that had been plaguing my account to include missing money of over XXXX dollars or more. At this time we are not hearing any answers from anyone but the demands for payment and foreclosure threats are still coming. I am out of work now for an injury on the job and I don't have XXXX for XXXX payment. They are ignoring the bank manager and running over me like a freight train and they are moving so fast that I do t have a chance of saving my house although my payments are up to date .I was robbed of a lot of money from this account and the representatives lied and said there was an investigation going on and it wasn't. Please help me if you can. I have already paid over XXXX dollars in principle back to the Mortgage company and had goal of complete payback in 15 no more than 20 years, but so much bad things are happening with my XXXX XXXX XXXX  accounts I get frustrated with the fact that I am getting no results when I see the bank representatives or call customer service and tell them I am not spending this money. .Not only that but the representatives and managers keep moving to different places/banks then I have to start the complaint all over again .The payment amount suddenly jumped higher on the late payment reminder notice by over XXXX dollars but when I showed the representative my receipt proof of payment she said the letter was in error. I really need your help please.I am the only one losing big Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I pulled my credit file and Midland Credit reporting inaccurate information. On XX/XX/XXXX, I mailed a Cease and Desist and Validation letter. I mailed a second Cease and Desist and Validation letter on XX/XX/XXXX to To date, Midland Credit has not responded to my letter to provide all documentary evidence to prove I owe the debt. They continue to communicate with me via the Credit Reporting Agencies and by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This alleged debt has been transferred several times and this new collection agency has gone a step further and has sent a bogus account detail statement that can not even be read as a piece of evidence stating it is my debt. This letter was sent to my previous address and since my husband died unexpectably in XX/XX/XXXX I have not pursued this but they have been ruining my credit once again and reporting this as a collection debt. The following documents will support this false allegation.

Company response to consumer: Closed with explanation