BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: Receivable Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed some inaccuracy on my credit report and disputed the account with the ( creditor ) XXXX XXXX XXXX, Also with the Debt collection agency Recievable Recovery Services. I also informed them that the information was invalid. They also took my information without permission, and made their own decison to report that debt on my credit which i do not owe. They have yet to comply to my requests to remove this inaccurate/invalid information from my report. I am seeking out to you to resolve this issue, and follow through with my request.

According to 15 U.S. Code 1692a - Definitions ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

Recievable Recovery Services is a third party debt collector attempting collect an alleged debt.

According to 15 U.S. Code 1692e. False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: NAVY FEDERAL CREDIT UNION
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Good afternoon, I am not sure if this is a complaint -- however, I can't seem to resolve it with either bank/credit union. I was seeking information on a possible duplicate deposit of a check that I had deposited XX/XX/XXXX ( dated XX/XX/XXXX ). The deposit was rejected this week by Navy Federal Credit Union. When I contacted Navy Federal, I was advised that Federal Reserve indicated that XXXX XXXX said this check was deposited into a XXXX XXXX account XX/XX/XXXX. I don't have a XXXX  account and I did not show an amount matching this amount deposited into my accounts. I was told to contact XXXX XXXX and find out more information on the history of this check since it was their instrument. When I called XXXX XXXX I wasn't able to get any information and referred back to Navy Federal. I wasn't ever connected with a XXXX XXXX supervisor and I was placed on hold for a long while. I want more information on the check to confirm it is not fraud and that I did in fact deposit or cash this check.

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 2020-04-27
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:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX  Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX - Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion is reporting incorrectly that I am ( 120 ) days past due on the US DEPT OF EDXXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11, 15 and 16 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-10-26
Company: LEXISNEXIS
State: TX
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:
I call lexis nexis about getting my consumer report they said they would send it out to me and it been about 3 weeks now and i still haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Premium Credit Bureau
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: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX Premium Credit Burea XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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:
I have been trying to get this off of my credit since it first appeared on there because the debt is not valid. I had/have medical insurance that covers me 100 % and the doctor who reported this to collections never billed my insurance company to pay the bill because I don't know why. My insurance company contacted the debt collector to inform them of what happened and why that debt is not my responsibility and verified that I had active insurance at the time of service and still currently do. The collection company said that they were going to handle it and it would be removed from my credit within 30 days but that has yet to be done and it is affecting my credit score by 70 points. Which is now affecting me being able to get a car loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
State: NY
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:
The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and Wells Fargo Bank has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. Wells Fargo Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.

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 2021-05-28
Company: AXOS FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, I am writing today because of an ongoing issue I have been having with XXXX Bank in regards to an auto loan listed on my credit reports. I have attempted to contact XXXX Bank via the dispute options at the 3 credit reporting agencies and also via phone, at all numbers listed on these bureaus as direct contact numbers and also through telephone numbers I have gotten online for their customer service. To date no telephone number has granted me access to their agents or customer service. I have not been able to speak to anyone regarding this issue, to verify the debt amount in documents and thereafter to pay the debt if it is legally accurate. 

The disputes I have filed, based on accuracy of amount reported have all been returned stamped that the company has met FCRA compliance in establishing proof, yet this same proof has been denied me in either written notification, official mail or a proper written response to my disputes under the FCRA. 

I am mystified as to why this would be and have no option but to contact this agency in hopes of finding a solution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX and TransUnion have been reporting these fraudulent accounts under my name. 

XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.

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 2021-10-26
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: Was not notified of investigation status or results

Complaint:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: FC HoldCo 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 gave XXXX XXXX my information. Then after discussing I decided I would go through my bank. They ran my credit the next week even though I asked them not to.Then they shared my information and someone else ran it.

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 2021-04-22
Company: Experian Information Solutions Inc.
State: CO
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:
Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers XXXX XXXX for payments missed during an approved forbearance period. This has affected my credit scores.

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 2021-10-26
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal held my money in my paypal account within 108 days, may you help my problem I will cooperate to speed up the process. I can't contact them i tried and i just received a email that i no longer to used my paypal account and they need to held my money in 108 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
WENT ON LINEXX/XX/XXXX & WAS ABLE TO ACESS MY CREDIT CARD. THE ONLINE WEB SITE STATED I HAD A LINE OF CREDIT AVAILABLE IN THE AMOUNT OF {$11000.00} WITH A BALANCE DUE OF {$4900.00}. I PAID $ XXXX.0N ONXX/XX/XXXX AND THE PAYMENT WAS ACCEPTED. WENT ONLINE ON XX/XX/XXXX. THE WEBSITE SAID I HAD A LINE OF CREDIT OF {$11000.00} OF WHICH {$9200.00} WAS AVAILABLE I PAID {$2400.00} TO XXXX  OUT THE ACCOUNT. THE PAYMENT WAS ACCEPTED. PLACED AN ORDER WITH A SUPPLIER. TRIED TO ACCESS THE CREDIT CARD ONLINE TO CONFIRM THE ORDER WAS PLACED BUT WAS UNABLE TO DO SO. CALLED CUSTOMER SERVICE TO FIND OUT THEY CANCELLED MY CREDIT CARD. 

I AM UNABLE TO ATTACH SUPPORTING DOCUMENTATION SINCE THE COMPANY HAS LOCK ME OUT OF MY ACCOUNT. I AM TRYING TO OBTAIN STATEMENTS REGARDING MY ACCOUNT FOR SUPPORT DOCUMENTS

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 2019-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
B of A has put me on the corner with high mortgage rates causing me to lose my home. I have four mortgages including line of credits with B of A since years ago. I tried twice to refi them with the same bank to lower the rates and different terms but B of A unfortunately refused to do so due to their substandard management, processing and underwriting Dep,, although my credit is good. According to their underwriting guide lines I am qualified to pay almost {$7800.00} per month for about {$880000.00} loans but I am not qualified to pay about {$5000.00} per month for the same amount of loans at lower rates and different terms.

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 2021-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, my Chase Checking account ending in XXXX, was involved with someone making unauthorized fraudulent charges. The following ATM withdrawals from the same branch were made all on the same day. {$1000.00}, {$2200.00} and {$800.00}. Chase allowing so much money to be withdrawn on the same day without so much as an alert is totally egregious and the second withdrawal should have been denied. The only time they reached out to me was subsequent to the withdrawals for a charge at a gas station for {$30.00}. There was also another fraudulent charge that same day at a XXXX  for {$240.00}. When I received the alert for the gas station purchase, I went onto my account and noticed all of the above mentioned charges and contacted Chase right away to let them know they were not my charges. I was asked if I had my Credit Card in my possession and I did, therefore, I told them so. There was an investigation done by Chase and subsequently the case was closed due to a statement made by them that it is IMPOSSIBLE for someone to clone a card with a chip on it. They stated the person also used my PIN. This statement is entirely untrue as this happened to me. I do not know how it happened but it did. I asked them to check all the cameras and they told me I would need a lawyer to have that done. I also tried to open a police report and the officer told me unless I have a document from Chase stating it was confirmed fraud, they could not take a report. I have since done some research and have indeed confirmed that although it is very difficult, this copying of a chip card can be done. Please do your own research about a company called XXXX XXXX and how they have designed software called XXXX XXXX. Nothing is impossible in this day and age and I resent the fact that Chase did not look further. I have basically lost my life savings and there is nothing they will do about it. My entire family have been customers of Chase for many years and because of this, they are considering leaving. I am extremely saddened by this situation and have living expenses to deal with and no where to turn. Please look into this for me, further investigation needs to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On Monday XX/XX/XXXX, a bank hold in the amount of {$910.00} was placed on three accounts with XXXX XXXX. I had been making monthly payments to the collection agency for the unpaid outstanding debt. 

These accounts belong to my minor child. I contacted the Collection Agency and they advised me that I needed to submit proof of ownership of her account. They assured me they would review my case and because of their assurance, I did not file a notice of contest with my court system asking for protection for my daughters funds. 

On XX/XX/XXXX/2018 I emailed to them proof that she was a minor child and that the accounts were hers. I also submitted to them pay stubs with her name on them showing the deposits into these 3 accounts were from her part-time employment.

On XX/XX/XXXX/18 they requested additional information including a copy of my bank statements and additional pay statements.

On XX/XX/XXXX/2018 they called me to inform me that they were not returning the funds to my minor child. They would not provide a clear and reasonable explanation why.

Company response to consumer: Closed with explanation