BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
Company: GMA Investments, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from a man stating he was calling from XXXX XXXX. He called from a local number XXXX, VA number XXXX. He then asked that I call him back to discuss a very important matter with a case number. He did n't provide the case number but asked that I call him back at XXXX. He also said that he had been repeatedly trying to call me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Conn's, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with Conn 's based out of XXXX, Texas, however, I live in XXXX, Texas. I purchased an item plus the insurance protection plan from Conn 's in 2013 and that was an incident that resulted in the insurance being applied to my account which would have paid the account off, but upon trying to talk with Conn 's several times to no avail, they are reporting this account which should have been paid off per the insurance protection plan that I purchased. I provided them with all perintent information. All of my damages were mitigated with Conn 's per the insurance protection plan. Conn 's is reporting this account on my credit twice with the same account number. This is has really hurt my credit.

This is the account number that Conn 's is reporting XXXX {$1300.00} & XXXX {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: KS
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent XX/XX/2020. The 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not authorize anyone employed by these companies to view my credit or agreed to be in a contract with them in which I would owe any money to this company Or firm. 
report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6ll.

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 2023-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX Late Date 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 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent XX/XX/2020. The 60 Day demand to comply was sent on XX/XX/2020.

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 2023-05-09
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 Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have reached out to transunion, XXXX, and XXXX 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment

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 2020-10-19
Company: Kimball, Tirey & St. John LLP
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: Account status incorrect

Complaint:
XXXX, XXXX XXXX XXXX XXXX continues to report interest charges on a closed case. This negative remark does not meet legal requirements for credit reporting. 

I sent a letter on XX/XX/2020 by certified mail in which they received, yet, did not remove the derogatory mark, hindering my ability to maintain a proper score.

Listed below is a description of the items that indicate that this derogatory mark should have never been on from my credit report in the first place : 1. The account status is unavailable with no usage, balance, or monthly payment.

2. It is labeled that there is no past due amount.

3. It says the debt included in or discharge through Bankruptcy XXXX, XXXX, or XXXX. 

They have not followed the law according to The Fair Credit Reporting Act. They have refused to remove my remark and continue to ruin my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Home Point Financial Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Home Point Financial located in XXXX Texas refuses to give me credit for receiving my loan payoff in the amount of {$180000.00} which they acknowledge was " applied '' on XX/XX/2020. Instead they are claiming after the fact that they received it on XX/XX/2020, and are not giving me credit for the payoff payment until that date. This fictitious date change is causing me to incur additional fees in the amount of roughly {$250.00}. I have documentary evidence that Home Point Financial receive the payoff payment on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: National Credit Adjusters, LLC
State: NV
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 recently spoke with several individuals at National Credit Adjusters about the above account. Attached you will find an FTC filing that states that not only the account with NCA is not mine but also the XXXX Visa account which your company is attempting to collect is fraudulent by way of identity theft. I have NEVER had a XXXX  VISA. I have NEVER received a XXXX  VISA to my address at XXXX XXXX Ct, which has been my ONLY mailing address for the last 5 plus years. A XXXX  Visa card tradeline has NEVER appeared on my credit file on ANY credit bureau. 

As I am filing both of these accounts with the Federal Trade Commission as fraud, I ask that your company follow the law and block/remove this collection from my credit files at all three credit reporting agencies immediately. I have attached this correspondence to myself, FTC and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-08-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
- Opened my Chase checking account on XX/XX/XXXX to receive a promotion going on at the time. Advertised {$300.00} for opening an account with Direct Deposit. 

XXXX XX/XX/XXXX I noticed the bonus hadn't posted yet so I called. They told me there was nothing they could do. My wife then called with me again later that same day, this time they told me they would open a case and call me back in 3 days. 4 days later no call, so I call them again on XX/XX/XXXX. They then tell me I need to go into a branch. 

-I go to a branch on XX/XX/XXXX they completely understood my situation and said they would call me back. 

XXXX XXXX the lady from the branch calls me and says there is nothing they can do even though I met the promotion qualifications because its past 21 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It appears that the corporate greed Wells Fargo simply has no boundaries. I have not been able to get caught up in my checkings account due to the horrible amount of overdraft and refund fees I keep getting. I am trying to save money since I am about to become a dad. I just don't know what to do. I called the bank multiple times and they refuse to provide any help! I have 8 overdraft fees in the total of {$280.00} in the last 2 months. But throughout my account history probably more than {$600.00}. I need the money more than ever. The banker I spoke with was very condescending about my financial situation. I think they don't see us as human beings anymore.

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 2023-01-11
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fraud has been committed on my XXXX XXXX which violates the FCRA and FDCPA. NCB MANAGEMENT SERVICES , INC. is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required *purchase agreement* Evidence that you are a licenseded debt collector *Chain of Title* Proof your are license to collect a United states debt and enjoy it *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all XXXX  activities and have the tradeline line deleted from my XXXX Report. Also see attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am in the process of purchasing a home so I called Capital One about possibly doing a good will adjustment for a 30 day late payment dated XX/XX/XXXX. The representative on the phone provided me some information to submit so that they could update the status of my payment. On XX/XX/XXXX I got a letter stating that that would be violating the FCRA so they are unable to update the payment as a courtesy which is understandable. However, they updated two of my sisters late payments as a courtesy on XX/XX/XXXX, which according to the FCRA is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 signed documents with Navy Federal for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the vehicle from titled the vehicle improperly. Once notified by Navy Federal I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore Navy Federal is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I have had with Navy Federal, my contracted Auto Loan with GAP  insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
USAA bank is hurting a military family of XXXX. The commercials are incorrect when it comes to fraud coverage. They want to call it a scam Instead. 
XX/XX/2020 someone committed fraud and stole XXXX dollars from my husband who is in the service and myself. My identity card and military ID was also stolen. A woman imitated ( stolen ) a surgical company name. And took money from us. We did not authorize the charges to her. The money was taken by XXXX XXXX and XXXX XXXX. 
USAA covered 2 out of 5 charges that were committed by the same  person. They now dont want to cover the rest of the charges and are putting it into collections and told us they dont want to do business with us. They are picking and choosing what they want to cover for fraud and not cover.

We called 30+ times reported it as soon as we noticed and begged and cried for help. They wouldnt help and would never call for information and made there own determination.

We filed police reports with local detective and the federal trade commission. We gave the police all the information and found out the suspect.

Usaa will not communicate or try to work this out and we are a family of XXXX  on one income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 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 XXXXAccount name : has violated my rights. 15 U.S.C 1681 section 602 A. States 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 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
Consumer complaint received 2023-01-11
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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