BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: Experian Information Solutions Inc.
State: GA
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 am a single mother. I recently tried to purchase a home and was denied because of my credit. That inspired me to pull my own credit report to see why i was denied. To my discovery there several unauthorized accounts in my credit report that were nit authorized 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 non-monetary relief
Consumer complaint received 2019-03-26
Company: EQUIFAX, 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 status incorrect

Complaint:
In XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account

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 2018-06-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good day, I've reached out to Navient on different occasions on subsidizing my loans to something that is reasonable and I always back track them on my paperwork. They never receive it and its a constant battle to fix these issue. Every time I fill out the paperwork I get the same outcome.They have placed a large amount of interest on my payment for no reason and they keep placing me into forbearance each time that I tell them not to. I am becoming very upset and tired of constantly monitoring their decision making, this has become a full time job and becoming a hassle to keep up with how much they keep tagging on. I don't mind paying back the loan but please be clear about what I am paying and stop placing me into forbearance so more interest can be tact on my loan. I feel like I have an extra job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Dynamic Recovery Solutions, LLC
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/22 I received a letter from Dynamic Recovery Solutions tel # XXXX. reference # XXXX. The original creditor is XXXX XXXX XXXX Current Creditor is XXXX XXXX XXXX XXXX The letter states that this debt has exceeded the statue of limitations and can not be reported negatively on my credit. I called to demand that a verbal cease and desist be placed on this file. I just want the CFPB to notify the collection agency that they need to honor my request. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: Experian Information Solutions 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:
My name is XXXX XXXX. I place a fraud alert on my account XX/XX/XXXX. The thieves are still continue to access my credit. I recently reviewed my credit and saw new fraudulent accounts and inquires showing on my report. I didn't not authorize any of this activity. I need to be notified every time my credit is accessed at XXXX. I put this info in my fraud report in XX/XX/XXXX. I have my lawyer XXXX XXXX looking into this situation as we speak and we are in the process of filing a lawsuit. These are the accounts and inquires in question ( EXPERIAN ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX INQUIRES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent addresses XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1200.00} INQURIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent address XXXX XXXX XXXX XXXX PA XXXX ( XXXX  ) XXXX  XXXX XXXX {$1200.00} BAD ADDRESSS XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX XXXX XXXX XXXX at Experian Experian NCAC Email : XXXX XXXX XXXX XXXX XXXX  Experian NCAC XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Experian 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 We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.

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 2018-04-28
Company: EQUIFAX, INC.
State: AR
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:
EQUIFAX- WILL NOT GIVE ANY INFORMATION ABOUT MY REPORT TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient came to me.and said they could offer me a student loan consolidation plan for XXXX dollars a month in perpetuity which I thought was absurd but after being assured my payment would never go up I agreed. Unfortunately for me this was not true and the company began expecting an exorbitant payment after one year. I told them this was a bait and switch scam. They said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My accounts was frozen due to my bank stating it was a fraudulent deposit because the company that deposited the loan did not use my name they use numbers as they do for every loan, I have all business information to prove I have a active business I also have approval letters from The loan company that my loan was approved and it is in deed my loan in my name, the bank asked for my EIN number so that they can verify that I have a business I provided the information she then asked where did you get this number from its fake it dont exist she basically called me a liar I had the IRS fax over a copy of my EIN number in which they still stated its not registered with the government how is that possible if the IRS has it, The IRS was able to verify my business start date as well address so how is it possible that when I provided my bank with my information they are saying Im lien this is destroying my reputation as well as causing my business more damage that loan was relief to help pay employees as well as other things concerning my business and to have my bank freeze my account and tell me I can never use the account again or even open another account I feel is humiliating and unfair and its not right due to the accusations of fraud being false I plan on getting a lawyer involved with this matter the way I was treated was very unprofessional and to call me a liar when I have proof and provided proof is unacceptable. One rep told me the freeze was placed because I had my loan deposited into my personal account I didnt know Navy Federal Credit union offered business accounts so she stated she can get me started with a business account and transfer my loan into my business account then the freeze would be lifted but I am in XXXX with no business information on me so I had to contact the IRS which led to me losing the first rep that I was speaking with at Navy Federal Credit Union I asked for her direct extension she stated that they didnt have extensions and it was no way I could get back in touch with her, so once the IRS faxed over a copy of my EIN to The XXXX hotel I am staying in, in XXXX I immediately called Navy Federal back to provide the information in which the second rep stated I was making it up I am in another state with no access to my accounts she didnt care I told her I was going inside a branch she stated that I couldnt the account will remain froze and my Loan will be sent back to the company that deposited it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a XXXX and XXXX  in XXXX  California, I have a family of XXXX, I love this country. There has been an alarming issue arising with Citibank and XXXX XXXX XXXX over the recent months, according to congressional reports there appears to be a policy adopted by these corporate giants to restrict use of their financial services in the purchase of firearms. This discriminatory practice is alarming to me as a citizen of this counrtry and as a gun owner. To think that these banks, which were bailed out with our tax dollars, now seek to perform some sort of social engineering by infringing on our rights is disgusting. I know there are actions in Congress aimed at this phenomenon, I would just like to officially register my complaint that this audacious attempt by corporate giants to control citizens is outrageous.

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 2020-08-01
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I experienced a loss of income due to job loss XX/XX/XXXX. Consequently I paid my Morgage payments late from XX/XX/XXXX to XX/XX/XXXX. 
The Morgage company has reported the payments as late and my credit score has decreased. 
Now I cant get access to additional credit tools to better my financial situation.

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 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have bank of America account for 12 years. I had set up auto pay on all my credit cards. Without any notification bank decided to cancel auto pay every year recently. So we as customers started getting late fee charge. When I called to complain they say it's a new policy, you will have to get up auto pay every year again n again. I have 15 credit cards with different dates and months, so I need to remember to reschedule payments again n again. What is this scam?

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 monetary relief
Consumer complaint received 2020-12-16
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: Personal information incorrect

Complaint:
my primary name is wrong and a alias name that I never used and is not me and 2 previous addresses that I never lived at are wrong

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 2021-11-29
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on XX/XX/XXXX I received a debt collection letter from a XXXX XXXX a attorney at LINEBARGER GOGGAN BLAIR & SAMPSON, LLP stating that they are " attorneys at law '' and that " at the time no attorney with that firm has personally reviewed the particular circumstances of my account '' I find this false and misleading pursuant to ( 15 USC 1692e ( 2 ) ( a ) - ( 2 ) The false representation of ( A ) legal status of any debt ) they have also failed to comply with my previous request for documentary evidence sent XX/XX/XXXX tracking # XXXX delivered XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
on XX/XX/2020 i received a renewal notice of my CD without ever being notified it was up for renewal on XX/XX/2020. I always receive written notice and phone calls from my banks when my accounts are maturing or if there is no activity, but I received neither from Onewest bank. I went to the local branch in XXXX XXXX XXXX XXXX, XXXX XXXX to correct this unauthorized renewal, but the manager said nothing could be done and the CD would remain fixed as is. I reminded them other mistakes were made by their bank and consideration for this latest mistake should be taken, but the response was the CD would remain as is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19
Company: COAST PROFESSIONAL INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Frivolous and misrepresentation of informations sent to three credit bureaus causing me financial injury and economic harm. The information reported by Coast Professional inc to three credit bureaus for {$47000.00} is at 40 % as delinquent is in accurate and violation of Federal Truth In Lending Act and FTC Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received in the mail a debit card from U. S. Bank ReliaCard. I never applied for this and want to know how they got my information?

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 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me multiple times a day, at all hours, including early in the morning and late at night, for several days in a row. All these phone calls occurred without written notification of debt or debt collection. When I answered one of the calls I was harassed and bullied by the person on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: National Credit Systems,Inc.
State: GA
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:
NCA is reporting an un-verified account on my credit reports. I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. This alleged account is 6 years old past the statue of limitations for my state of GA. NCA deleted the account between XX/XX/2019 and XX/XX/2019 Then re-inserted the account on XX/XX/2019 without me receiving any knowledge of it. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Financial Accounts Service Team Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company repeatedly calling my elderly father on his cell phoneeabing messages about my debt. They also call me repeatedly but should not be contacting my elderly father

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX Someone used my debit card info to transfer funds from my checking account through Western Union in amount of {$870.00}. Same day did same thing for {$910.00}, but the later was cancelled. It was supposedly sent to my son in another state. I know my son did not receive this money. Whoever did this also put another telephone # in place of mine, but had my sons info correct. ( from prior, legit transfers ) I'm assuming. I called my financial institution to report the fraud and currently their is a claim on file. I called Western union, by advise from my bank on XX/XX/18. They took my info and tracking # 's, gave me a case file # and told me to call proper authorities to get this investigated, with their full cooperation. W/U also told me {$910.00} was not taken, but {$870.00} was already picked up from receiver. Because of this, my acct. was overdrawn by over {$700.00}. However, by XX/XX/18. my account was back to the original amount, due to W/U denying the later transaction of {$870.00}. I have since gotten new debit card and changed my pin. I am afraid this can happen again, seemingly since it was so easy the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/XXXX I call Transunion and their customer service would not help and take care of the negative inquires reporting on my credit report. They are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card 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