BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/2023 : I called Navy Federal Credit Union to requesting my XXXX  Benefits for XXXX separate auto loan accounts I have open with their financial institution. I am entitled to these benefits as I am an actively XXXX service member. I completed the application to request XXXX benefits, provided my orders, and requested backpay up to the beginning of my orders as well, as I had been on orders for XXXX years at this point receiving no SCRA benefits. I submitted any documents needed to navy federal and received a confirmation stating it was received. 

XX/XX/2023 : After a long waiting process and no calls, emails, or mail. I call Navy Federal again and to check on the status of my application, they then informed me that the application was denied but were unable to give any reasoning. After requesting a supervisor, I was scheduled for a call back. On that call I was informed that my application was denied for not stating the word " Texas '' on the application. But I was welcome to reapply with the proper wording " requesting Texas state XXXX benefits. '' XX/XX/2023 : After resubmitting the application with the requesting wording, I was then informed that I would have to wait another XXXX to 60 days for my application to be reviewed. 

XX/XX/2023 : Still no calls, text, emails, or mail. I decided to call navy federal, still no update on the application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Put my address back on my XXXX credit report account today. And update my credit reports for 2023 of this months XX/XX/2023 today for Transunion, XXXX, XXXX to the lastest credit report of 2023 of XX/XX/XXXX Thxs

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions

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 2020-12-02
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC - Enhanced Recovery Company has repeatedly sent me mail and called me excessively stating that I owe a debt to them in the amount of {$3400.00}. I have wrote them several letters disputing the validity of this debt. They have never responded to my letters. The last letter that I mailed them they refused to except the letter at all. They are reporting this inaccuracy on all 3 credit bureaus which has lowered my credit score drastically. XXXX XXXX XXXX previously attempted to collect on this same inaccurate debt and upon realizing this was not my debt and several letters to them they removed it from my credit bureaus but then sold it to ERC. This is harassment and I will file a complaint with my attorney general 's office if this does not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: ENOVA INTERNATIONAL, INC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Company took out an ACH without my authorization, stated in writing they did and were going to refund, however have not submitted the refund. Because of this, my checking account went negative and I incurred a fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the new SAVE repayment plan which required I also apply for a loan consolidation - I completed the 2-part application on studentaid.gov on XX/XX/23, choosing Nelnet as my servicer. Two weeks ago, I received an email from Nelnet that my consolidation loan had been originated, so I logged in and saw that I had been placed in a more expensive Standard Repayment plan, where my monthly amount due is double the amount I was expecting ( based on the official payment calculator provided on studentaid.gov ). I have tried calling Nelnet 5 times over the last two weeks and have spent over 6 hours on hold, without ever speaking with a representative. Once, the call dropped after 1 hour and 50 minutes on hold, and their website went down as well. I have also emailed my concerns about my repayment issues to Nelnet but have not yet received a response beyond the generic " we received your message '' email. With payments due so soon, I am extremely anxious and concerned about the mismanagement of customer service and repayment issues, and the lack of clear and accessible information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: ZWICKER & ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX, while living in XXXX, GA, I was contacted about a debt by the law firm of Zwicker and associates ( XXXX ), with whom I set up a payment arrangement. The original debt balance was {$5600.00}. I contacted XXXX XXXX  who informed me that the debt had gone to collections and they had no further information. The paralegal at Zwicker with whom I spoke told me after I had made a couple of payments that because of COVID XXXX XXXX  ( the debtor ) was suspending payments and probably dismissing them in light of financial hardships. I was told that Zwicker would notify me when or if payments would resume. I have since moved to North Carolina. 
Approximately a year later in XXXX I was served with a notice that a judgement had been found against me. I was given no notice that this was considered and it was a complete surprise. I tried contacting Zwicker and was given a run around without any one person explaining why or how a judgement could be placed against me without any notification or offer to begin repayment. 
Since then, I had not had any further contact from Zwicker until XXXX of XXXX when I checked my bank account and found that both my savings and checking accounts had been emptied and a hold was placed on my account. I contacted my bank who notified me that Zwicker had slammed my account, garnished my monies and placed a hold on the account. They could give me no further information and told me to contact Zwicker. When I called Zwicker, they told me that it was a legal hold and that I needed to talk to my bank. They also told me that they were unable to contact me which is funny since they were easily able to access my bank records. Further, I am not in hiding and my location is easy to determine. 
My issue its that Zwicker acted unscrupulously and without warning or notification after an extended time of no action to wipe out my entire savings and checking. I was given no notice that any action would be taken and since such an extended period had gone by without any action or notification, I had forgotten about the issue and assumed that the debt had been forgiven, as many credit card debts were at the time. To restate, Zwicker had told me that XXXX XXXX  was suspending payments and might forgive the debt do to the economic hardships caused by COVID. They told me that they would contact me at a later date regarding the status of the debt, which they never did. Almost three years later, they wiped my account clean without any warning or notification and froze my accounts. Since I had several automatic payments tied to my checking account, this put me in greater jeopardy. 
I have since learned that Zwicker and associates routinely acts in this manner without regard to the impact on my life and is regarded as one of the most unscrupulous firms in the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Just need a 1098 in order to file my income tax return. 

Caliber does NOT provide the doc through their online access. 

Despite the phone service rep ( XXXX ) offering to email me the firm, I could not access the document that required a separate sign in. Instead of being patient, XXXX attempted to rush me off the phone at least 4-5 times by saying " I'm going to leave you to it ; '' in spite of my insistence that the sign-in was not working. After at least 3 repeated attempts to reset a password that I was able to sign into my account for, the password reset for the secure message still would not work. 

XXXX offered to mail me the form ; despite not having the correct address. After providing her an updated address, I asked to speak to a supervisor. XXXX stated that a supervisor was not available. 

I had to hang up with her. Call back to get a new rep ( XXXX ) ; and request an " escalation. '' This is my 2nd CFPB complaint against this company. They should be put out of business. They exist to foreclose on customers, not to properly and professionally service loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: WI
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 debt was included in a amortization of debt. We filed inXX/XX/2018 And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX  is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true

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 2022-07-14
Company: CITIBANK, N.A.
State: MA
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:
Citi submitted a triple diverse accounting statement in the same month for my credit card. They failed to respond or to solve their derelict accounting, which destroyed my confidence in their actuarial system. Subsequently, I received threatening form letters, similar to a collection agency 's, which in the course of events were substituted by form letters insinuating that I was impoverished and could go on a payment plan of their devising. They continued by assessing ( exorbitant ) late fees. In the course of time I discovered that they had badly damaged my credit rating -- without an explanation to myself or the credit card charge recipient. 

I have since written to XXXX and XXXX XXXX  agencies, complaining of Citibank 's high-handed tactics and irresponsible errors. In the interim, Citibank has failed to phone me to discuss the matter of their negligence. Given their behavior, I am ready to file suit to finally get their attention. 

Their example is egregious.

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 2023-04-26
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 fraud alerts or security freezes

Complaint:
I have submitted the docs to have this fraud alert removed that I never requested. That was 2 months ago. I have also asked for my number to be corrected at least which they transposed my number for creditors to call me but it's the wrong phone number if I apply for credit. I am about to apply for a HELOC and I need this all corrected. My correct number for the last 20 years is XXXX and should at least be correct in the directions of the fraud alert if not removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from JEFFERSON CAPITAL SYSTEM stating that I owed a debt for a service I allegedly used from a company name XXXX. I requested the details of what this alleged debt was for and they refused to provide any information. I never received any notifications by mail or phone from XXXX notifying me of a debt. I reported this as fraud to both the collection agency and the original debtor. NEITHER companies would provide me with any information regarding the supposed debt. I verified my identity to both Jefferson Capital Systems and XXXX and was read back an email address that it not associated with me or anyone I know. I again reported this as fraud and have yet to receive any notifications. I disputed this with the XXXX and XXXX and the result of the dispute was a removal of the debt from my credit report by XXXX. 

XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I the consumer received an alleged claim stating I owed Portfolio Recovery Associates this alleged debt they claimed they purchased containing my personal private information including my social security number, telephone number and personal address I did not give them any consent to have any of my personal private information nor did i give them direct consent to contact me witch is a violation under the fair debt collection practice act. 
they continue there Abusive debt collection practices by sending me false and misleading information though the mail and continue to invade my individual privacy. they continue to harass, oppress, abuse, and harm my reputation as a consumer. in the attached documents you will see an identity theft report filed with the Federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Its called enhanced recovery company. Their phone number is XXXX XXXX XXXX which no one answers its just a recording and then they hang the phone up on you what they are doing is buying old debts from debt collectors and putting them as new debts and putting them on your credit report after 10 years this is ridiculous and this should be illegal then when you try to call to fix the situation you cant talk to anyone just a recording. I need some help. This is ridiculous. Things are on my credit report. Shouldnt be on my credit report, something as simple as XXXX equipment not returned when it was returned but they had private contractors at the time picking up everyones equipment, which when I talk to XXXX they said I had no debt with them at all and all my equipment was returned so this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: The Phoenix Recovery Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 XXXX  dispute department Account Number XXXX To whom it may concern : I started to work with XXXXXXXX XXXX XXXX   over ten years ago on Tax reduction of two rental, we owned in Texas. Very nice company to work with, till this came up. 
SInce our plans changed, we decided to sell the properties. 
A year before we sell the properties I called them and informed them by phone to stop the tax reduction process. However, for whatever reason that Tax reduction continued and we received the statement, even when we sold the property. I informed them again by phone, if agreeable I will prorate them up to the point we owned the properties, Did not hear anything till, I check my credit score. Some XXXX dollars now is {$1300.00}. I agree to pay them still to what I proposed without extra penalties, although there is an error in their bookings and communication. Since I informed them, legally I do not own them any amount. 


Phoenix recovery group is miss representing the facts, because We did not borrow any money from them, to report it as loan. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CL Holdings LLC
State: WV
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I've been XXXX  since XX/XX/2017 and I was just released in XXXX of this year and there is a collections on my reports from Jefferson Capital that they bought from XXXX and I've been in XXXX since XX/XX/2017 and was in Florida for 3 years before that. XXXX has already resolved this issue and it has been deleted. I would appreciate the same from the other 2 companies. Please and Thank you. It is impossible for that account to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When I or lenders attempt to pull my report from equifax the report will not pull. I have made several phone calls to equifax regarding my issue and have been told my account has no freeze on it however there was a spelling issue of my first name. 

I sent in documentation as requested XX/XX/XXXX and allowed a week to process as requested. I called XX/XX/XXXX to see if the documents were received and the representative advised no documents on file and also said there was no need to mail documents in order to fix the spelling of my name. 

Eventually the representative I spoke with last on XX/XX/XXXX was able to correct the problem and I received a confirmation that my first name was corrected XX/XX/XXXX. I attempted to pull my credit report from annual credit report.com and I was still unable to pull. 

This has been an ongoing issue since XX/XX/XXXX and I eventually gave up on getting the issue correct however recently I wanted to try again thinking time may have corrected the issue and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This matter has been resolved as of XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NJ
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX  Account # XXXX 30 days late in XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since Monday XX/XX/26 afternoon, my phone got compromised and my personal information was used to access USAA online banking. I reported to them all the fraudulent activities and unauthorized transfers. USAA did not take the cyber attack seriously and my account was still able to be accessed by the hacker. USAA even denied my claim, stating all the new accounts and unauthorized transfers were made by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation