BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Home Loan online through Navy Federal Credit Union. Prior to applying to this loan I also applied for a loan through another financial institution. When I was called by the Loan Broker I was at work but she didnt seem to care and wanted information at that moment. I called my wife on a 3 way call so she could provide the info because at my job I can not talk and the Loan Officer was being quite rude and demanding.

She was asking about our down payment, income all standard questions. But it was manner in which she was asking. She was nasty, badgering and very discriminatory. How much money you have? What else? Thats All? Hmm not sure what I can do. What are you trying to get? Hmmph ... Do you have more income? A bigger down payment etc etc My wife mentioned that on the website it stated that the loans had no down payment. She immediately said we wouldnt qualify and didn't say why. Then my wife stated what if we got iur own down payment she said " nope not with Navy ''. Her tone wasnt of a Agent trying to assist with a home purchase. 
She finally said maybe she could offer {$150000.00} ... We were baffled.. Maybe??? Was this a game or business transaction. The irony was were approved for XXXX before this transaction as well as a few months ago. So we found a huge disparity in the number she provided. Furthermore we got a denial letter in the mail that citied a XXXX credit school with serious delinquency etc but then it states ***NO DEROGATORY INFO FOUND IN THE FILE. Also it states Excessive obligations in relation to income. Can they please prove this. My income pays rent. I have no debt in my name. No student loans, car notes, child support etc. 

When we pull the report there is no derogatory info there. So why was our loan denied? We cant prove it but our voices and names are distinctively XXXX. And from the moment the Loan Officer came on the phone she was rude was unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2018-10-01
Company: Colony Brands, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a summary in XX/XX/2018 I sent the request letter via registered mail They did receive my request because XXXX XXXX signed for the letter. 
XXXX XXXX Failed to send me a summary within the 30 day legal time frame I then contacted XXXX requesting debt to be deleted from my credit file in XXXX XXXX.I Faxed all documents but instead XXXX opened a dispute and XXXX XXXX declined to delete and sent me a summary XX/XX/2018 instead .7 months later and only due to I contaced XXXX for a delete regarding the account with XXXX XXXX Under the consumer federal protection act XXXX XXXX should have deleted the debt from my credit file and they refuse to do so

Company response to consumer: Untimely response
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charge over draft fees. For years!!!! Even when I still had overdraft protection!! I took it off because my money has been taking out for years!!!

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 2023-01-18
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-21
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-05-28
Company: Integrated Asset Recovery LLC
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2018-02-06
Company: Perfection Collection
State: IN
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:
This company sent the exact same response from my 1st complaint to my 2nd complaint I want them to acknowledge I was never notified via mail or phone we were taken to collections.

PRODUCE MY ORIGINAL CONTRACT!!!

Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. XXXX   never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. Either company can not produce our original contract.

We are taking legal action unless Perfection Collection removes all collection notices from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
Effective XXXX XXXX, XXXX, a consumers credit report may look a little different than in the past. It is to my inderatanding that my credit report will require any public record, such as a lawsuit, judgment or real property lien submitted for reporting on a consumers credit report, to include the consumers name, address and either their Social Security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumers credit report. Please investigate this matter. I have XXXX bankruptcies on my report and XXXX lien.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Pursuant 1692 ( a ) ( b ) the City of XXXX engaged in abusive, deceptive and unfair debt collection practices by booting, impounding and holding consumers vehicles, which contributes to a high number of bankruptcies, material instabilities, job loses, and invasion of ones privacy. Existing laws are inadequate and offers no true remedy, or relief, which forced me to file bankruptcy to get my car back. 
Violations have been detemined after thorough examination of the communication 1692a ( 2 ), FDCPA, conveyed through the mails and received at the consumers ' sanctuary. Employees agents, and or assigns from ARNOLD SCOTT HARRIS, P.C., XXXX XXXX XXXX - XXXX XXXX who operated in the capacity of a debt collector pursuant 1692a ( 6 ), FDPA, because o ARNOLD SCOTT HARRIS, P.C., XXXX XXXX XXXX did violate numerous provisions of the Fair Debt Collection Practices Act ( " FDCPA '' ), Public Law 111-203, title X, 124 Stat.
2092 ( 2010 }.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022 off my report with monetary relief

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 2018-02-05
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had switched banks about a month prior, and when I went to go close the account or the day before I was going to close the account I received emails that I didnt have enough funds to cover whatever had tried to post, And I am mediately called the bank up to see what was going on and it turns out to credit card companies even though I change the auto pay on my account with them with the new banking information they somehow managed to still try and take it from the old accounts but thats another story. 

So I contacted Huntington, I went through this whole story and theyre only willing to waive a couple of the fees which I call XXXX  because I just want to close the XXXX account I have no problems paying what is owed on anything that they paid but I want the fees back this is ridiculous I didnt maliciously intend to do this, in which is a big load of XXXX on top of with their so-called 24 hour grace they didnt even give me a chance to do that, And I have repeatedly change the information with all creditors make sure none of this happens and now theyre trying to say that something tried to post again they charge me three more overdraft fees they agreed that they would refund some fees if I paid what was owed on what tried to post but now theyre trying to XXXX me by adding more fees and I will give them whatever they paid out Im not giving them like {$300.00} in overdraft fees they can go pound salt because thats ridiculous

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-22
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing regarding a collection account placed on my credit history that was never brought to my attention. On XXXX, XXXX 2020 I noticed a new collection account had been placed on my credit history. this account was placed by bay area credit services. This collection account has never been brought to my attention. I never received a bill, statement, collection notice or otherwise. I am willing to pay this amount if proof can be sent to me regarding the legitimacy of this account. I again request that the collection agency remove this from my credit as this is the first i have heard of this account. there are two amounts placed on my credit report and neither one of them were ever brought to my attention prior to it being reported. It is my understanding that i legally have 30 days to respond to collections before they can be reported. the amounts places for collection are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit bureaus are reporting inaccurate information on my credit reports

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 2018-02-05
Company: Midwest Recovery Systems
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
they posted on my credit score saying that i owe XXXX bucks in XX/XX/XXXX but i never had any account with them ever i never needed to get any loans this has dropped my credit score from a XXXX to a XXXX i dont understand how there are so many complaints with these people and no one has started a law suit and i dont understand how the credit bureaus continue to let them report fake loan accounts so i am contacting any and everyone that i can think of hopefully if i can get enough people involved we can all get together and show the credit bureaus they reported this fraud account on more than 1000 accounts that they will be removed not only that hoping they can be stopped and have something done about this!!!!! i want this removed from my XXXX credit account asap i never applied for any loans or anything also i did a 3 way call on the phone today with rtem and XXXX  i told them to provide me proof that this was my accunt and i asked for a fax number to send my police report and to my surprise they gave me XXXX THIS IS A FAKE FAX NUMBER BTW this just confirms it even more 1000s of people are complaining online about them why cant they be stopped its clear they are reporting to get money from people but i want pay these THUGS XXXX XXXX!!!!!! XXXX XXXX is the woman from XXXX that did the 3 way call her number is XXXX ext XXXX they told her that the account was in XX/XX/XXXX but on my XXXX  account it showsXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold two items on XXXX XXXX. They required me to use PayPal for payment. PayPal has refused to move my money into my bank account - {$590.00}. The original hold was 21 days, then 72 hours, then it would be next day. That was 3 days ago. I need the money to rent a car to get to the XXXX for 2 XXXX. I can barely walk and I have already cancelled one appointment because of the delay in getting my money - which I need immediately so I can rent a car to get to take the tests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: NJ
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 went to XXXX XXXX XXXX XXXX to get my credit report from all three agencies. 

XXXX stated " online delivery unavailable '', stating I had to fill out additional paper work to get my credit report. 

XXXX XXXX and Experian did not provide credit scores and had additional steps to retrieve these 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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX  # XXXX, Bankruptcy # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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