BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX continuously reports inaccurate information to the credit reporting agencies that are listed on my credit report, after requesting proof of validity and verification multiple times. 
I am asking that XXXX XXXX remove this erroneous and inaccurate information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
Please read attached document. I've endured adverse action and was discriminated against pursuant to Equal Credit Opportunity Act by this financial institution. This financial institution also committed unauthorized use of my credit card ( SSN ) pursuant to Truth-in-Lending Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Recently in a response to a settlement offer on my account ( ending in XXXX ), I contacted Discover. I spoke with a customer service agency, XXXX, about setting up payment arrangements on a past due account since I couldn't afford the settlement. I sent in a {$500.00} good faith payment as agreed upon on the date agreed upon and then regular monthly {$200.00} payments, which they have accepted and cashed. Even when I was out of work and on unemployment benefits I sent in regular payments, albeit smaller than the minimum due, just to show that I had every intention to pay this account.All payments have been cashed by Discover but in XX/XX/2018, despite a payment agreement in place, my account was sent to a collections agency. Despite this, knowing that I had this payment agreement, I have been sending in my payments to Discover as I guaranteed that I would, and I have been writing letters with each payment asking this to be removed from collections and to keep the agreement that was set up with their customer service department. No one ever contacted me back in response to these letters. I have also been in contact with the collections agency, XXXX XXXX XXXX whom held the inaccurately discharged account as well who state they contacted Discover and they have no record of the payment agreement. Which is absurd since I personally talked to a customer service agent and I have kept my end of the deal. This should have NEVER been sent to collections. 

I filed a BBB complaint against XXXX and got an email from the Executive Office of Discover from XXXX XXXX stating that she was going to look into this on XX/XX/2018. I then received a letter from the sheriff on behalf of XXXX XXXX XXXX stating that I was being sued. Which is insane since I was making all my payments as agreed upon with Discover, they knew this and still continued with collections activity even though I was disputing the collection activity of this account. 

Since XXXX emailed me on the XXXX I have sent XXXX emails, one with proof  of all cashed payments and left XXXX voicemail and she has not responded at all. 

I feel I am being screwed over by this large bank and my credit is being hurt in the meantime. I need help. I want to continue my payment arrangement and have this account removed from collections and off my credit report as in collections. I want to make good on my debt and avoid bankruptcy but I am.getting zero response from Discover. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23 my son 's and my joint account was compromised via his debit card by XXXX on XX/XX/23 and apple cash on XX/XX/23. We recognized it and reported it via telephone on XX/XX/23. The XXXX XX/XX/23 charge was {$200.00}. The XXXX XXXX charges on XX/XX/23 were {$100.00} and then {$200.00}. The XXXX charges were reported while they were still pending. It also important to note that XXXX XXXX is not sent up on either of our phones. My son filled out the affidavit that was sent to him by email. Another affidavit was sent to him in the mail at home. He goes to military school and serves in the XXXX. When he didn't receive or return the affidavit that was sent to his home address ( we thought that the email affidavit covered all charges ), Truist debited his account back for the two XXXX pay amounts {$100.00} and {$200.00}. He then called them in early XXXX to re-dispute the charges. This time they sent the forms to him by email and he signed them. He has contacted them several times and they just say they are investigating. So, we are at an impasse. Truist has lax controls over their cards and fraud. We reported this while the charge was pending, and Truist didn't take action and block the charge. Trusit has taken advantage of my son 's limited access in military school and serving in the XXXX to run out the XXXX XXXX dispute timeline. Disgraceful.

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 2023-01-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX not exactly sure of exact dates etc, but I was sent an email about Wells Fargo and unauthorized fees, which I have experienced since being a customer with them over the last XXXX years, quite frequently. It seemed like every other month there was a {$35.00} fee or a monthly fee that frankly I was under the impression when opening up my XXXX checking accounts, XXXX was a joint account with my spouse, and a savings account that monthly fees were waved but it seems I was always charged something.

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 2017-12-12
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: Account status incorrect

Complaint:
I never got a mortgage with XXXX XXXX XXXX Mortgage and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened date XX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment 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 2023-01-18
Company: EQUIFAX, INC.
State: MD
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:
A request to remove unauthorized inquiry has been sent multiple times and Equifax validated the inquiry was a factual inquiry even after I requested for evidence of data was coming from the consumer which Equifax continuously ignore and seize to honor my dispute. Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
CAPITAL ONE AUTO FINANCE XXXX XXXX # XXXX CAPITAL ONE AUTO FINANCE sent a letter titled : NOTICE OF NO LIABILITY and NOTICE OF RIGHT TO CURE AND NOTICE OF INTENT TO REPOSSESS ( SEE ATTACHED ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should the voluntary payment of {$11000.00} not be paid on XX/XX/XXXX. CAPITAL ONE AUTO FINANCE is attempting to defraud and illegally repossess XXXX XXXX ' property, as CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXXas been XXXX in XXXX XXXX XXXX  ( see attached documents for reference ) in case no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions Inc.
State: DC
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:
Since XX/XX/XXXX I've tried to get a fraudulent collection agency account deleted from my credit report. I was notified that a XXXX XXXX collection action for {$1400.00} was listed on my Experian credit report. I called XXXX XXXX and was advised that an account was set up and service provided in Florida using my personal information. I informed them that I never lived in Florida so it was a case of stolen identity, I filed a police report and for the past two years have been trying to get the entry off of my credit report with calls to XXXX XXXX and Experian. I went online and asked to remove all the incorrect addresses from my report. I also noticed that there are XXXX separate entries for the same XXXX XXXX action with three different collection agencies opened on three separate dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has made the process of removing the false information even more difficult. I've provided Experian and XXXX XXXX with all the information to prove the identity theft but the fraudulent delinquency remains on my credit report. 

I appreciate any help you can provide to clarify this issue.

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 2023-02-23
Company: EQUIFAX, 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:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Collection Management Holdings, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX keeps calling me even though Ive repeatedly asked her to stop. Im disputing the charges she claims I owe. I get daily/weekly calls from her stating Contact me or any of our representative at XXXX thank you hi this is XXXX XXXX calling from credit management please contact me or any of our representative at XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Halstatt Search Partners
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These are the MOST RUDE and UNPROFESSIONAL individuals ever. They are disrespectful. They say things like " your a deadbeat ''. Multiple Times I have communicated to this company NOT to contact me at work. They continue to call me at work with the most recent voicemail being XX/XX/18 at XXXX XXXX EST. I have communicated with in writing that there should not be ANY calls or contact attempts made to me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Debt collectors kept calling me and trying to force me to pay a the balance and disregarded my attempt to let them know that it was identity theft in the month of XXXX on the day XXXX, in addition calls under different names such as one being portfolio recov assoc And Portfolio with inaccurate amounts way over the fraudulent debt, in accurate and inconsistent information being submitted to the 3 bureaus and reported on my credit report with in accurate account numbers, account status and missing information and verification and are still visible on my application. I continued to dispute the account because it was an identity theft byproduct and instead the account was reinstalled causing further damage to my credit and profile impacting me mentally and financially and ruining my consumer image because of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I finance a car with TD bank Creditors in trade but my last car was outside down around 9000 dollar because the book price was around 9000 dollar  and my payoff was XXXX, the new car price is XXXX XXXX with tax dealer fees but in my credit report i have a new opened account with TD bank with only XXXX dollar, mi monthly payments is XXXX  dollar and the interest they charge me is 10.59 % usually i pay only 1 month and the amount of interes is XXXX dollar and the difference is a principal, so they are uncovering the XXXX as the outside down and they didn't put in my statement the full amount for i paying for that illegal and i a wrong report about my credit it not just. Mi name is XXXX XXXX and my cell phone is XXXX XXXX XXXX XXXX XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled my XXXX report.Under loans prequalified for. I chose XXXX  XXXX   loans.When I inquired with XXXX XXXX loan, I told them I don't want any hard pull inquiries on my credit report/trade line for a loan.I received three denial letters from XXXX XXXX/XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Global Portfolio Recovery, LLC
State: NJ
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 have filed a dispute in regards to credit report and it has been well over 30 days in which I have yet to receive my investigation report results. Please see the attach of files of credit disputes submitted along with a demand for the agencies to comply after the 30 days expired.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-19
Company: Capital Markets Cooporative, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I closed on my house using XXXX XXXX  as my mortgage company. I was told my first payment with them would be XX/XX/XXXX. When I had not heard from XXXX  at the end of XXXX, I contacted agent ant XXXX and after a few days she emailed me that my loan had been sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I tried to get in contact with the company but I did not have a loan # to access when I got in touch with them since I had never received anything in the mail. I finally contacted customer care and got a loan # and also corrected my address in which they also had wrong. During the conversation I asked when my XXXX payment was due and I was told XX/XX/2018. I followed up by accessing my account on line which also said payment due date was XX/XX/2018 but had no amount. On both XX/XX/XXXX and XXXX I accessed my account online where it still said amount due XX/XX/2018 but had an amount of {$0.00}. I made my payment of {$1500.00} on XX/XX/XXXX even though it said I did not owe anything. Today I received a collection call from XXXX XXXX XXXX saying that I was behind on my mortgage and that I had not paid XXXX mortgage payment. I told the rep that I had been in contact with their company and was told that I did not have a XXXX payment and I confirmed on the web site that the first payment was due XXXX XXXX but no amount was due so I paid what was on my closing papers. The rep advised me that I was suppose to make a payment but their company had misapplied the exact same amount {$1500.00} on XX/XX/XXXX so it showed that I had made a payment but it was actually someone else 's payment. I told the rep that on my first call, I was told my first payment was to be XX/XX/2018 and not that my next payment was on XX/XX/2018. As of today, I went back to my online account and it now says next payment due XX/XX/2018 amount {$1500.00}. I also shows a payment made of {$1500.00} on XX/XX/2018. I believe that I have made the payments that I was suppose to have made but now I am being asked to make another payment today XX/XX/18 and another one on XX/XX/18 totaling {$3000.00} which I don't have. I will have my regularly schedule payment reedy for XX/XX/18 but not the extra {$1500.00}. By this time, I will be outside the 60 days of protection from them reporting me to the credit bureau as well as accruing interest and late payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
I have reach out different occasions to resolve this issue on XX/XX/2022, XX/XX/2022 and XX/XX/2022 on the wrong information that's being reported on credited report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX insurance company issued a check in my and my clients name. The check was sent to the client without my knowledge.

I found out that the check was cashed without my signature. The bank never called me to tell me that the signature was not mine. 

The bank cashed the check without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Diversified Consultants, 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 information incorrect

Complaint:
This is not a duplicate account. Diversified Consultants is still not willing to delete this account even after XXXX has taken the account out of dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recently had a name change and I trying to update my information with everyone. I had a checking and saving account with Bank of America, however, the checking account was closed. I believe I still have a savings accounts, however, I dont have the account number or anything to authenticate myself.

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 2023-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am no longer a Wells Fargo customer now but I did notice late fees assessed to my account even when I made deposits to keep balance out of the red.

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 2019-06-02
Company: EQUIFAX, INC.
State: IN
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 have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation