BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to get NFCU to remove a debt from my records with NFCU. I had credit card hardship insurance i paid for each month. In XXXX a person did not have the option to pay credit card insurance with NFCU. While XXXX i suffered a hardship and reported it to NFCU. I was informed they would take care of the issues over the phone in XXXX. I mainly called because it v was the only time in could use internet and services while i was in a XXXX XXXX. When i get back from XXXX NFCU forget agreements and send me in circles about using the hardship insurance to get debt relief. The debt still is wrongfully under my name at NFCU and i lost out on money for the insurance service i paid for that was not rendered. I should have been part of they supposedly reentered my account and sold it in XXXX to avoid having to pay my portion of the award. This business has some serious issues abs i have recorded phone calls to substantiate facts of issues with NFCU. Proof of the lawsuit abs my issues reflect those of others : https : XXXX # : ~ : text=If % 20you % 20believe % 20you 've , % 2Fcomplaint % 2C % 20according % 20to % 20Vahey Called NFCU today and a rep said they were not suppose to call or contact victims in this class action. It clearly states they're suppose to on this web page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: BARCLAYS BANK DELAWARE
State: FL
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:
There was a credit line increase request submitted in error on my Barclays credit card. I called Barclays bank to have it canceled and the hard inquiries removed from the 3 credit bureaus. After talking with 2 agents to try and have this request canceled, I spoke to a manager XXXX ( XXXX ) who said to submit a complaint as they can not complete this request ; he said once the hard inquiry is pulled, they can not undo 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 2018-07-26
Company: MoneyLion Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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, XXXX  and Trans Union are not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my XXXX  family? Please I need help.

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 2019-08-12
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company I.C System which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding phone bills that I possess, and I am seeking the name and address of the company to which I owe the debt and a detailed breakdown of the fees that I owe. * Cease any credit bureau reporting until the debt has been validated by me.

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 2020-05-17
Company: ENCORE CAPITAL GROUP INC.
State: RI
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:
Midland and XXXX XXXX XXXX XXXX is both reporting an account as late 120 days yet there is no late remarks at all. This is absurd and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: The Receivable Management Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Receivables Managment which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. * Please provide breakdown of fees including any collection costs and medical charges. * Provide a copy of my signature with the provider of service to release my medical information to you. * Cease any credit bureau reporting until the debt has been validated by me.

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 2019-02-24
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an alert that {$29.00} was placed on my credit report as a collections account from XXXX XXXX XXXX XXXX. I paid that account in full, closed that account, and found a better internet service provider. I believe this fraudulent collection attempt is a spiteful revenge attempt from bright house or XXXX to get back at me for canceling services with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I received a credit alert from Experian on XX/XX/2019 and noticed that I had 3 late payments on my credit report. If you check my credit report from XXXX and XXXX, I don't have any late payments on anything, I have work very hard on my credit report over the years to make sure of that. I am in a process of buying a home and Experian have not updated my credit report correctly or just neglected to update my credit report. The 3 late payments need to be moved off my credit report so I can continue my process of buying my first home. If this issue is not corrected I will file a civil lawsuit against Experian and what's really crazy they won't even show me what accounts were late because I don't have any late payments or collections. Experian you are the worst when it comes to updating credit report that's exactly why no one use you to verify anything. I tried to contact Experian about 4 or 5 times but was unable to reach a human on the phone.

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 2020-10-23
Company: EQUIFAX, INC.
State: WA
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:
Equifax has incorrect information listed on a closed loan stating it was an auto loan. It was not an auto loan but a medical loan. I have disputed this twice. Both times they have refused to correct the issue and lowered my credit score approximately XXXX points each time. This can only be explained and seems to be for no other reason other than retaliatory for making the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I have a XXXX credit card account. XXXX is not sharing my account information with Equifax. I already tried resolving the issue with Equifax. Equifax sent me a letter that I need to contact XXXX because they are not sharing/reporting my credit card account information with Equifax. 

My XXXX Credit card account does not show on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by CMRE Financial Services regarding a debt that i do not recognize. I sent them a written letter disputing the debt and asked for proof. I have just received a letter XX/XX/18 showing me the amount owed and the collectors name, still do not recognize it. I had some reasons to believe my identity had been stolen a while back and reported a 90 day monitoring by all 3 credit bureaus. What should be my next step if i KNOW this debt does not belong to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have a Bankruptcy report on my credit report that don't belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: GOLDMAN SACHS BANK USA
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for the XXXX XXXX issued by Goldman Sachs. Filled out the application through the XXXX app on my XXXX XXXX device. Was denied after the application was submitted. The reason I was denied was stated " recently missed payment '' reported by XXXX. I contacted XXXX and they gave me my official credit report that showed no recently missed payments. I contacted Goldman Sachs customer service about this and was told there was nothing they could do. I asked to be escalated up the chain and after three days of phone calls got a phone call on Saturday XX/XX/2019 from a supervisor at Goldman Sachs stating that there's nothing they can do to a traditional manual review as this system is completely automated for approvals and ratings. She also stated that even if it is an error with Goldman Sachs approval system that there is nothing anyone can do. I believe this is credit discrimination based on denied credit even though I qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CAINE & WEINER COMPANY, 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: Information belongs to someone else

Complaint:
On XX/XX/2020, Caine & Weiner Company , Inc. add a derogatory marks on my credit reports per XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Collection company have to provide me with competent evidence that I have any legal obligation to pay them.The company have to provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: U.S. BANCORP
State: MO
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 paid cash to a us bank teller Saturday XX/XX/XXXX but received a printout saying XX/XX/XXXX even though it was for a credit card due 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 2019-10-23
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: Information belongs to someone else

Complaint:
An account that is incorrect is reporting on my credit reports 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 explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1. In 1 year I have filed online with TransUnion approx 5 different OnLine Disputes. 
2. Today I received my Paper TransUnion Credit Report and credit cards XXXX XXXX and XXXX still have the Incorrect Charge Card Numbers. I lost my Wallet over a year ago and was re-issued the 2 above credit cards with new account numbers. 
3. When I called TransUnion and stated I have completed 5 online Disputes about this issue and Nothing is done. They told me to Contact XXXX and XXXX XXXX and have THEM call TransUnion. 
4. I asked isn't this what the DISPUTE is for - Shouldn't TransUnion be doing the investigation on this issue? She didn't say anything except to call the Stores! I called XXXX - they had NO IDEA WHAT TransUnion was! 
5. Need someone to FIX the 2 old credit card # 's to the New # 's matching the charge cards I now have on my TRASNUNION CREDIT 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 2021-11-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed dispute letters to XXXX, equifax, and XXXX on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have XXXX, equifax, and XXXX  remove the accounts I disputed on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see previous complaints that were lodged against Regions during the process of obtaining our mortgage and how the amounts changed from amounts originally quoted to the day of closing. Now, a year after our closing - our monthly payment increases by {$150.00}. That's over 10 % a month. This creates a real hardship for my family - all because Regions under forecasted our monthly payment in order for the numbers to look lower at the closing table - another deceptive tactic which has been deployed by this company. Please review previous complaints XXXX and XXXX both of which allege unfair, deceptive, abusive and unethical business conduct. A full investigation and examination should be conducted into this financial institution 's oversight function and compliance management system. I continue to receive letters from their legal team stating there is nothing wrong but where is their Compliance Department? This is a complete failure of any sort of second line effective challenge. 

Consumers depend upon accurate loan estimates and closing disclosures ( that's why regulations were put into place after all ) in order to be able to manage their finances. If we can't depend on those, how can we expect our consumers to be able to service their debt and the economy to not implode, causing a repeat of XXXX? 

Additionally, I am a XXXX US XXXX XXXX XXXX, serving XXXX. I have had multiple issues with the servicing of this loan. See complaint 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 2020-05-17
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for mortgage forbearance due to COVID 19 with NewRez mortgage ( Shellpoint mortgage ). On their website they list one of the options of having the payments added at the end of the mortgage loan. We were approved for forbearance, but when we called them NewRez mortgage, a.k.a Shellpoint mortgage, told us we will have a balloon payment at the end of 3 months and then we can apply for a loan modification ( no guaranteed approval ). And NewRez stated we can not add the missed payments to the end of the loan. We were lied to and completely mislead. We have a government back loan with XXXX XXXX. A balloon payment will not help us nor anyone us in this situation. And only 3 months is noting enough time, should be 6 months as stated in the CARES Act. We do not want a loan modification. We want our payments put on the back end of our loan. Thats not hard to do and NewRez/Shellpoint mortgage is being difficult and misleading many consumers.

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