BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: NAVY FEDERAL CREDIT UNION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a customer of Navy Federal Credit Union ( NFCU ) since about XX/XX/2021. I have had minimal issues until XX/XX/2021 at which time a representative thought I was a female attempting to access my own account and I had to prove my identity. On XX/XX/2021, I attempted to purchase food at a restaurant and was unable to as my debit card and NFCU issued credit card were both declined. I assumed there may have been a fraud alert that placed a hold on my account. I attempted to login to see if it could be resolved via the app and it could not. I spoke to a representative regarding the issue and she stated the notes said that the account was opened fraudulently and they will be closed. I was unsure of what would have caused this, so I asked to speak to someone regarding this and I was advised to call back at between XXXX and XXXX ET. I called back on XX/XX/2021 and spoke to 'XXXX ' in the 'Security Operations ' department. She stated that the accounts were put in a permanent restricted status due to the fact that the accounts were opened by means of Identity Theft. This is not the case as I am a victim of identity theft, so much so that my Social Security Number was cancelled and reissued in XX/XX/2021 as a result of identity theft. I had explained this around XX/XX/2021 to the representatives. I believe there is no logical reasoning behind the closure of the accounts, Further I was advised that they may hold the active funds in the Checking, Saving, and Security for the Secured Credit Card up to 2 years which seems illegal. I have exhausted all attempts to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAVALRY INVESTMENTS, LLC
State: TN
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:
XX/XX/2021 CAVALRY PORTFOLIO SERVIC Collection were started from XXXX which i disputed and also sent letters that this account was fraudulently opened along with a signed police statement letter that this was also fraud. Company said that this account was verified which they were unable to send proof that i signed anything or proof that anything was sent to me that was purchased. I want this removed as well as the collections company they sold that debt too removed from my credit report asap because i disputed this multiple times and at this time it is credit harassment. 

Credit company has addresses that I have also never lived at on my credit report like 1. XXXX XXXX XXXX XXXX XXXX has wrong name. 
1.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The account is current with the payments However The account is being reported as past due. 
Also the account is incorrectly managed Is the vehicle owned by capital one or another financial institution? 
Am I the only owner or account holder in the vehicle account contract? 
My car was vandalised, may I return the vehicle back to dealership due to improper security lock the door lock? 
I did reported to my insurance company good to go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ... policy number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX LOAN # XXXX To Whom it May Concern, My name is XXXX XXXX. I had a mortgage loan with XXXX XXXX until XXXX of XXXX. In During the Global Pandemic and National Emergency in XXXX of XXXX I had a Late payment on my mortgage referenced above. The late payment was due to COVID as I was quarantining at a different address and did not receive mortgage statements. I thought we had this addressed and removed from my credit in XXXX however I recently discovered it again while in the process of applying for another mortgage. This is the only late mortgage payment and my credit is great other than this one item. My credit is solid. The Global Pandemic has affected us all in different ways. For me, circumstances created by the pandemic unfortunately resulted in a late payment. 

I am writing to request Removal of this late payment from my credit history, to include all 3 major credit bureaus. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Funding is collecting the debt for my XXXX XXXX XXXX credit card. I have had health issues and unemployment which has put me far behind on repayment. Midland has repeatedly called me, from cell phones with US numbers, to demand payment with the threat to forwarding my account to an attorney for legal action. XX/XX/XXXX, XXXX and XX/XX/XXXX, " XXXX XXXX, '' ( they all use pseudonyms ) was the most aggressive. He called continually, though I explained I was unemployed and was having trouble meeting basic needs and that I could not spare anything to pay toward this debt. I said I would have to pay at least {$25.00} and agree to have the same amount withdrawn from my checking account, the next month as well, or my account would be sent to an attorney. I was told I would be contacted to set up another payment plan after these two payments. I blocked his calls after these payments. XX/XX/XXXX XXXX EDT, I received a call from a XXXX XXXX, CA number and it was " XXXX XXXX  '' from Midland. I had to explain at least 5 times the same situation as explained to XXXX XXXX XXXX XXXX. '' She continued to repeat herself about making a payment. I asked her to call back in a month which she said she could n't promise and that she ca n't control whether or not my account will be forwarded to an attorney. I repeated this back to her that, " if I do n't make a payment, you may forward this on for legal action. '' She stated she did n't say this. Verbatim, no, but it was strongly implied. I called back to get XXXX XXXX XXXX XXXX '' name since I was driving when she called. I was forwarded to " XXXX XXXX, '' who was very conciliatory once I shared my experiences with him and told him I will be filing a complaint. He is some sort of manager. I had asked if either debt forgiveness or reduction was something that could be discussed. He said their company has n't the ability to make those determinations but declined to tell me who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CORELOGIC 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 status incorrect

Complaint:
Hi, so this company called corelogic credco, based in san diego prepared my credit report for a dealership, where I was applying for credit to finance a car. But the report is showing two mortgages that are closed as open and so those open mortgages are adding to my present mortgage and is showing that I owe XXXX k in real state, which makes my monthly mortgage payment almost XXXX dllrs. So I called corelogic credco and the woman that I talked to pulled the information from the report in front of her, I explained everything in detail, and she found the problem, but after waiting for a long while she came back to the phone and said that it was " a software problem and there was nothing they could do to fix it. I told her that there must be something they could do because it is their software and it is affecting my credit because I had been denied credit in 5 different occasions that I applied prior to the dealership, but her response was the same. she said " I 'm sorry sr but there is nothing I can do, is there anything else I can help you with? '' At this point I was upset, so I hang up 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 2020-02-19
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It was result of identity theft. 

Credit Mgmt LP - Opened XX/XX/XXXX, 2019- {$200.00} Original creditor : XXXX XXXX The last 2 address where I lived in the last two years not even was serviceable by XXXX XXXX. I called Credit Management LP, XXXX and XXXX mobile. All companies were not able to find anything under my name in the last 2  addresses where I lived. I have never delayed a single credit card and utility bill payment in my life. I was certainly a victim of identity theft. Please XXXX Credit Management LP and verify their reputation. They are known for scam people who have good credit scores. I feel myself with my hands tied. I have no information on this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Express Recovery Services, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, my wife and I discovered that Express Recovery Services , Inc. in XXXX XXXX XXXX, UT was reporting negative credit information to our credit files with the XXXX XXXX credit bureaus. 

We sent a letter of dispute in XXXX XXXX and asked Express Recovery to validate the alleged debts. We received letters for Express Recovery date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that stated " Based upon the review of your dispute it has been determined that you dispute is frivolous or irrelevant based on the information listed below. 

NOT ENOUGH INFORMATION NO ACCOUNT NUMBER. '' We find it difficult to believe their response given that Express Recovery, has our social security numbers, our names and mailing address but do not have enough information to honor our request for debt validation?! 

A certified dispute and validation letter with returned receipt requested was sent by us to Express Recovery XXXX/XXXX/XXXX. 

We have not received the required 30 notice to dispute letter Express Recovery is required by the FDCPA to provide, we have had our request to validate the debt ignored and negative credit information continues to be reported to our credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: RI
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:
On XX/XX/XXXX I went to the bank to begin the process of applying for a home loan. I got preapproved and put an offer on a house. Once the offer was accepted, I went back to the bank to continue the process and submit my application. The bank was able to pull my credit report for XXXX and XXXX but for some reason could not pull it for Equifax. They tried for multiple days before asking me to call Equifax and find out what why it could not be pulled. I spoke to three different customer service representatives, the first checked to make sure there was not a freeze on my account- there was not. She said the bank should be able to pull my report so I told the bank and they tried again, and again they could not pull the report. I called back and was told yet again they could not figure out why the bank could not pull my report. The customer service representative told me to create an account through myequifax.com in order to view my report myself. I tried to create an account and it brought up an error message and told me to call equifax, which I did. They could not tell me why I could not create an account. On XX/XX/XXXX, I figured it out on my own that if I created an account using my maiden name and not my married name that it allowed me to log on and view my report. I called Equifax and explained this. They FINALLY realized that they still had my in their system under my maiden name ( got married 2 1/2 years ago ) and my old address ( from 6 years ago ). They told me to fax over information to them in order for them to update it, and that i would take 5-7 business days. On XX/XX/XXXX I faxed over the information. I informed the bank that this was why it could not be pulled. The mortgage lender said she tried to pull my credit report using just my maiden name to see if that would work and it still would not pull a report. I went on XXXX and tried to order a credit report through equifax and was given a message that I could not order online through them, so I called. I am still waiting for that report to be mailed to me. We're also now on day 9 and the customer service representative I spoke to this morning said they had no received my fax with the information ... well he said, they either did not receive it OR they received it and have not updated it yet. He told me to fax it again. This has been going on for over a month now and the bank is waiting to approve my loan all because of this one credit report that I somehow can not receive. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Credit Protection Association, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I moved from XXXX Massachusetts to XXXX Mass. Not knowing that I had a bill from XXXX XXXX. I put in a post office change..got a bill from credit protection..Which I thought was fake..I called  XXXX XXXX..they told me how much I owed..I set up a payment plan with them to pay XXXX per month until bill is paid in full..XXXX XXXX  was accepting my payments..then I got another card from credit protection saying to call them..on XX/XX/15, I explained to them I already have set up a payment plan with XXXX XXXX..I was told, stop paying them you have to pay us..I paid my first payment of XXXX to them and told them I will be paying XXXX through my bank XXXX and XXXX then finished..I specifically asked the guy I was talking to would this affect my credit he said NO. As long as you pay..two weeks later they put it on my credit report..this isn't right..I want this off my report NOW..the last  XXXX I sent to be paid on XXXX and XXXX..no payment owed..DO THE RIGHT THING..IF I KNOWN THIS, I COULD'VE CONTINUED TO PAY 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 2017-11-10
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: Public record information inaccurate

Complaint:
I have a bankruptcy listed in my credit files that Transunion is reporting which is inaccurate and incomplete. The XXXX XXXX requires that the credit agencies provide mechanisms to ensure each item on my credit report belongs to me and is accurate and complete. I have requested from Transunion validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the XXXX XXXX XXXXXXXX and XXXX stating that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy on file for me. Yet Transunion keeps telling me they have verified it with XXXX and I know that they are not investigating my case.

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 2017-11-10
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:
On XX/XX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, police report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The first payment I made with Servicing mortgage company, went to a " Slush Account '' and I recieved a late payment, The payment was on time. Then I made a XXXX payment, on the XXXX, again a late payment and I was told that they thought it was just extra principle. I got made and asked for a payoff, made that payoff on XX/XX/XXXX, my mortgage is not payed off though I don't see a late payment the my amount due is larger then normal so one would assume that it didn't get credited. They told me I need to get another payoff quote even though they had the money and the payoff quote was good till the beginning of XXXX, today is the XXXX of XXXX. I asked to speak to a manager, they transferred me and I got a message that all costumer servicing agents were unavailable at the moment call back in 30 min, I hung up, called back screaming, finally got someone to fix it but I really don't have any idea if it is fixed if the late payments were reversed or if interest is being refunded.

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 2018-09-23
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
on XX/XX/2018 via united states postal mail, I received a letter from the nexis lexis company stating that they received validation from the illinois federal courts that a chapter XXXX and chapter XXXX bankruptcy is being reported under my name. lexis nexis is being dishonest in its investigation as I too requested any information being reported in regards to a bankruptcy under my name to the illinois federal courts as referenced in their original consumer file that I requested and received. per the illinois federal bankruptcy courts ( letter attached ) they have not reported such information to lexis nexis or any other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: WI
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 sent letters to XXXX, XXXX, and Experian on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED XXXX XXXX Docket # XXXX. I was than told that was not acceptable.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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