BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: MD
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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 information incorrect

Complaint:
On TransUnion credit Report, XXXX XXXX XXXX ( XXXX ) status states DELETED from your 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 non-monetary relief
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/2020 : I sent letter to the XXXX, Equifax and XXXX  asking them to verify the Bankruptcy and up until now, I never received any correspondence from them. I sent them a letter monthly for follow-up for several times but I haven't received anything from them nor a validation. 
XX/XX/2020 : I sent letter to XXXX XXXX to verify the Bankruptcy that has been appearing on my credit report. 
XX/XX/2020 : XXXX XXXX Responded to the letter stating that the record has been deleted because they were unable to verify the accuracy and on XX/XX/2020, I forwarded the correspondence from XXXX XXXX to the aforementioned 3 major Bureaus requesting them to reinvestigate. Now, I have not received any response from them. Please help me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I logged into my account with NFCU and requested a check of {$220.00} be sent from my account XXXX to my XXXX account. Normally, when this payment is made, it comes from a different account- ending in XXXX. 

When I submitted my payment, I changed the drop down box to be the account ending in XXXX, however NFCU still debited my account XXXX. In doing so, they twice debited the account and charged {$29.00} NSF funds. 

NFCU has been unwilling to admit their error, and will not refund me the {$58.00} in fees I have been charged. I believe this error was made on their part because of their buggy bill payment service, and not a mistake on my part. I would never schedule a payment for an account with no money in 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 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/2021 XXXX - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called Capital One and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: GMA Investments, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX a XXXX XXXX from Summit Receivables contacted me at work, When I called back to tell them I'm not allowed to receive phone calls at work, he become rude and hung up on me, when I tried to call back and talk to him his associate told me I should get on my knees and pray right after she told me she should perfom XXXX  XXXX on me and other rude comments. I have informed them not to call me at work only on cell phone and to send me a letter stating the debt which they refused.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-25
Company: OLIPHANT FINANCIAL, LLC
State: DC
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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT oliphant USA Oliphant USA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and against federal law, and florida and DC XXXX XXXX illegally and unethically accessed my credit report, which has an active freeze and fraud alert on it. this is violating federal and state law and they have been reported to the florida attorney general, local law enforcement, XXXX police department for fraud and ID theft, and the CFPB. This is illegal and you will stop accessing this XXXX persons and veterans credit reports immediately or i will file a multi millions dollar lawsuit against you for fraud pain sufferings and emotional distress!! cease and desist your illegal activity now or i will file criminal charges against you and sue your company for XXXX of dollars!! leave this XXXX person and veteran the XXXX alone and stop violating the law!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
In XXXX Wells Fargo Auto granted me automobile loan with no verifiable income. After the XXXX financial crisis I was unable to keep up with the monthly payments and was harassed day and night with phone calls and even people coming to my residence to demand payment. I eventually surrendered the car to a Wells Fargo bank. I never should have qualified for the loan, but since I lost my trade in a predatory car deal and had no other means of transportation, I had no choice but to take 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 2019-09-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I make extra principal payments on a monthly basis. Last month PHH Mortgage took an extra {$13.00} out of the extra principle to pay for the recording fee 's for an assignment of mortgage that was recorded in the clerk of courts the month prior XX/XX/2019. 
They should be absorbing this cost not I as they received the loan from Ocwen XX/XX/2019. 
Also note that according to the clerk of court in XXXX County Florida the legal description in the assignment of mortgage is also incorrect. I have called 3 times and I still have no answers. 
They also caused my homeowners insurance to be cancelled and then reinstated. 
Because the insurance company never received noticed they were now servicing the loan. That occurred in XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SINCE XXXX I HAVE BEEN IN AN UPSIDE DOWN LOAN WITH AGGRESSIVENESS AND THREATS. 
I BEEN TRANSFERRED FROM XXXX XXXX. XXXX WHICH I HAD ON WHICH I HAD ONE PAYMENT LEFT OF {$640.00} IN XXXX OF XXXX. WITH XXXX. I ENTER INTO A LOAN OF {$67000.00} XXXX  PAID THE LAST PAYMT TO XXXX OUT OF THE {$67000.00} I BORROWED. IN XXXX XXXX XXXX  SENT ME PAPERS SAYING I OWED THEM {$240000.00}. I IMPLIED WITH THEM AS TO HOW THIS FIGURE CAME UP. MY ORIGINAL HOME BURNED TO THE GROUND ON THE NIGHT OF XX/XX/XXXX LASTING PAST 12 MIGHT FOR THE FIRE DEPT TO EXTHINGISH SO THE FIRE REPORT READ XX/XX/XXXX. MY FIRE INS CO. ( XXXX XXXX XXXX XXXX XXXX ) PAID ME ABOVE {$600000.00} TO REBUILD AND REPLACE A HOME ON MY PROPERTY LOCATED AT XXXX XXXX XXXX ( PREVIOUSLY XXXX XXXX XXXX ) I QUESTIONED XXXX AS TO HOW THEY ARRIVED AT THE {$240000.00} SUM. I DID NOT BORROW THAT AMOUNT OF MONEY. I USED THE MONEY FROM XXXX XXXX XXXX XXXX XXXX TO REBUILD AND REFURNISH THE NEW HOME. WHICH APPRAISED AT {$310000.00} SINCE I HAVE XXXX XXXX, XXXX XXXX. MY PAYMENTS JUMPED FROM {$780.00} TO {$1800.00} PER MONTH. THE HOUSE PASSED INTO THE HANDS OF XXXX XXXX AT {$1400.00}. THE LOAN THEN WENT INTO THE HANDS OF PRESENT FAY SERVICING LLC XXXX, XXXX, TX XXXX. I ASKED THEM FOR A MODIFICATION AND IT WENT TO {$1100.00}. THE I ASKED FOR A SECOND MODIFICATION UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. FAY SERVICING LLC DID NOT DO A MOD, BUT INSTEAD DID REPAYMENT PLAN TO PAY {$2500.00} /NOW {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital One is currently in default ( see attachment for the notarized Affidavit of Default/Final Judgement/ Res Judicata dated XX/XX/2023 ) for violation of Capital One Cardholder Agreement and for violation of multiple Uniform Commercial Codes as well as the law. 
Capital One continues causing injury to me, the living woman, and the customer of Capital One by refusing to remove the outdated information from the credit score reporting agencies that they have NOT received my written consent to share such information in the first place. 
Moreover, information that Capital One keeps reporting to the agencies is not valid, nor do they have any right to report something they are in default for. If this illegal and unlawful activity continues then I will have no other choice but to report this criminal activity and to request remedy using my " Fee Schedule - Notice of Intent '' that I previously provided to Capital One and personally to XXXX XXXX, XXXX XXXX XXXXXXXX at Capital One Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, I have pull my credit report and see this company XXXX XXXX account # XXXX still reporting some inaccurate information on my report. I have dispute this account before and still have not getting any response from the company. 
I need to know the steps taking to investigate this account and how it MEETS FCRA REQUIREMENT. 

There are several error on this account across the bureaus. Date last active is incorrect, Date open is incorrect across the bureaus and so many other errors on this account. 

Please DELETE THIS ACCOUNT IMMEDIATELY IF YOU CAN NOT PROVIDE THE STEPS THAT YOU TAKE TO VERIFY THIS ACCOUNTS. 

Because of these errors on my report I am getting denied for credit and make my life harder than it already is with this economy that we are in right now.

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 2022-05-29
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:
There are multiple incorrect versions of my name, also a completely incorrect name on my credit reports. There are multiple incorrect addresses and incorrect employment history.

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 2023-02-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX : # 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 XXXXXXXX XXXX # XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been contacted several times by a company that claims I owe them money from XXXX. They said they have sent numerous letters to my current address which is fakes and also lied about a job I was working at that time. I have tried to have my lawyer contact them we're all times and they don't respond to her. 

The only information they gave me was it was charged off in XXXX and the loan amount was {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received an offer in the mail for and XXXX XXXX XXXX. I applied online with the promo code and was offered a card through Bank of America. On the same day that I got the card in the mail I also got a " suspicious activity '' letter in the mail that I found out later was just an intentionally misleading letter used to get me to call in and answer a series of security questions that were supposedly meant to confirm my identity. When I became suspicious that this could be a phishing scam I started to ask a lot of questions. They did nothing to ease my discomfort and ultimately urged me to go into a Bank of America branch to get help. After doing some research I called them back and attempted answer their questions so I could get the hold cleared so that I could use that card. After answering ALL of the questions ( which included both personal information as well as a series of " public record '' questions ) I was told I had to go to a branch to provide 2 forms of ID again! THERE ARE NO BANK OF AMERICA BRANCHES IN XXXX! They knew this fact but they would not work with me at all. I felt like I was being treated like a suspicious criminal the entire time and was never able to get the card activated. So here I am... I am basically in limbo with this card.. waiting until they close the account which is going to negatively impact my credit score. I have been working to build my credit score for 8 YEARS and this has got me extremely angry and frustrated.

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 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted 5 times in the last month concerning a debt that is not mine. I informed the first caller on XX/XX/XXXX that I was not the person named and at the time told them not to contact me again. I received XXXX calls since then and the missed call on XX/XX/XXXX. I returned the call and again told the person answering that I was not that person XXXX XXXX was trying to reach. I asked what the calls were for and was told to collect a {$900.00} plus debt to Capital One Platinum Card. I told them that I currently have several accounts with Capital One and my credit card was in good standing. I then told the person not to call again. They replied that my credit score would be affected if I did not pay. I reiterated that I owed no such debt and said not to call me again because I was on the NO Call List. The person then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Saddleback Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
I did not give written permission to have this account furnished on my records as per USC 1681a2

Company response to consumer: Closed with explanation