BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband I ( XXXX and XXXX XXXX ) have had an equity line of credit off their home for a few years now with Navy Federal. Since both of them signed on this loan TOGETHER, Navy Federal refuses to see that we are both on the loan. They placed the loan  under XXXX XXXX only even though clearly XXXX XXXX is on the loan, signed for it and even has it on her credit report as her loan as well. Numerous times XXXX XXXX has sent in a power of attorney since XXXX and even sent in another one and confirmed on the phone with a rep just a few months ago in XXXX that I am on the loan and I am allowed to be spoken to on this loan. Each time XXXX XXXX has spoken to a rep they tell him, " the information has been saved and we will be able to speak to XXXX ''. Each time he sends in a power of attorney they tell him the same thing. However yet again today XX/XX/XXXX when XXXX XXXX calls in they again tell her they can not speak to her due to her not being on the loan. This is false and this must be stopped. Second issue is both XXXX and XXXX applied for forbearance a few months ago for this exact equity loan. They approved and said we can make payments over the phone still but they will be held till the forbearance is over. No payments can be made online and the next actual payment wont be due till XXXX. XXXX made two payments over the phone as yet again each time XXXX called they wouldn't speak to her. XXXX logged into the account today and low and behold it shows their account severely delinquent and that they owe {$920.00} in behind payments. Where did the two {$300.00} payments go towards and why does the account say severely delinquent? XXXX tried to call in again and of course they wont speak to her or help her on HER OWN ACCOUNT. Both XXXX and XXXX have had enough of this and want them stopped before they take legal action against Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Exeter Finance Corp.
State: GA
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: NY
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NIH XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is conducting unfair, deceptive, and abusive practices as it relates to payment processing and overall servicing activities. I have been paying on this account since 2015 when my student loans were consolidated with Navient. and since then I have never missed a payment or have had a late payment. Navient insisted that you go paperless in regards to monthly statements, and when you go on the website you are unable to see or print an actual monthly statement with all required disclosures. In addition, there were four times through out the life of the loan that my monthly payment went to all interest and nothing was applied to principle. Finally, as I reviewed the transnational history of my payments I identified that I actually paid XXXX off of the original principle balance of {$66000.00} which would bring the principle balance to {$60000.00} ; however as shown in the evidencing document Navient has a principle balance of XXXX which is XXXX more than what it should be in which additional interest is being accrued on. This is completely unacceptable and illegal as a normal consumer would never be able to payoff their student loans due to the unfair, deceptive, and abusive practices being conducted by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
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 is missing that should be on the report

Complaint:
XXXX XXXX account reporting on my credit report inaccurate and missing information. 
inaccurate account number, missing payment status, missing term, showing reporting negative.

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 2020-07-15
Company: BBVA FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
So On XX/XX/2020 I decided to open a checking account with BBVA. I only wanted to open a checking account and be able to do online banking. Well, after the open account process was done. I tried to set up my online banking and it kept saying that there was an error with my password and my username. Once I submitted all my information it would say that my account needed to be submitted first by XXXX or something like that. After so many times trying with no luck. I decided to leave it alone for the day and call the next day in the morning. 
Since XXXX I have been on the phone with BBVA, first I spoke with XXXX, I explained my problem logging into online banking he wanted my social security number I told him I did not feel comfortable sharing that information, then he asked me more questions to verify my identity. 
After a while he was able to help me set up my online banking, and that is when I realized that I not only have a checking account but I also have a credit card with a balance already of {$2600.00} I was very shocked to see this and I asked XXXX he said it was probable something easy to fix he put me on hold for a while, after 45 minutes he said he needed to transfer me to another department. I spoke with XXXX which could not do anything about other that having me on line for more than 15 minutes when he said he needed to transfer my call to another department. Then XXXX was asking me questions and after a few minutes he said that unfortunately he couldn't do anything about it due to that account was already closed and sent out to Collection Agency and he was going to transfer me to them. 
I asked to speak with someone else in order to give me more information about this issue. 
I have never had a credit card with this bank, ever. 
How could I have a credit card with all this balance and no one could give me more information about it. 
He put me on hold for about 10 minutes and then he transfered me to another person. 
Shurle I think that was her name and she said that there is nothing they can do that I need to call the fraud number. 
She gave me a number that is not taking calls at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite many written requests, the following things remain on my credit report, which is prohibited by the FCRA. The Departments failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the prescribed time frame, they failed to adequately investigate what was happening by using a third party, and they continued to provide unsupported and unconfirmed information. My attempts to directly handle it with three credit bureaus resulted in their breaking federal law and being willfully careless, and I need this matter to be fixed right away. Please delete additional items from my record. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
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: Their investigation did not fix an error on your report

Complaint:
I filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.

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 2017-12-15
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a recent XXXX loan ( XXXX/XXXX/XXXX ) agreement with US Bank on my vehicle. Before the first payment was due I paid $ XXXX of the $ XXXX principal then followed up with the first agreed payment $ XXXX by the due date in XXXX. 

When I logged in XXXX to make another payment, the online system showed I owed {$0.00} minimum payment, which makes sense due to my recent payment activities. I logged back in today and shows now I owe 2 months payment and they hit me with a late fee. Plus they updated the digital pdf statements showing I owed minimum payments. 

I have contacted them and am waiting to hear their response to the above. I am not happy with the business practice revealed by US Bank. I also reminded them that we still have a 72 month agreement in place to pay off this loan and so expecting after paying $ XXXX down to continue making the same monthly payments, would pay the loan off well under 72 month agreement. 

Respectfully, 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 2023-06-19
Company: EQUIFAX, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
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 XXXX XXXX XXXX XXXX TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX # XXXX. This was a paid for deletion account. I agreed to pay and they would remove this account from my credit report and the payment HISTORY is inaccurate as has been paid for quit sometime now and still reporting negative information as of XX/XX/2020. 

Please deleted ASAP as agreed for payment.

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 2019-11-08
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed a collection on my credit report from Midland Fund/ Midland MCM . The collection is reporting a balance of {$1300.00} with the three major credit bureaus ; XXXX, XXXX & XXXX. I do not recognize this debt. I have tried to dispute this information with the credit bureaus but not have not received any resolution. This account is reporting with different dates opened and different dates of being last active. My rights under the provisions of the Fair Credit Reporting Act are clear, I demand these accounts to be deleted from all current and future credit reports. I believe that under Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I would like verification that provides a signature from myself and a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
GLA is constantly breaking the law in attempt to collect debt. They are illegally obtained my medical notes, and XXXX XXXX illegally released medical notes without my consent. I sent numerous certified letters asking for GLA to contact me in which no one has. 

No agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY was sent to me. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX/XXXX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX/XXXX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX, XXXX. 


Nothing that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization was sent to me.

I requested that GLA cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. In which they never replied and I know they received my disputes as it was sent certified mail. 



In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kentucky medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Resurgent Capital Services L.P.
State: AZ
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:
In XXXX XXXX XXXX issued me a credit card after having a secured credit card with them. I got injured in XX/XX/XXXX and was out of work to make the payments to them. I notified them of the issue and said I could make $ XXXX payments. They wanted more money on the payment. They constantly called and emailed me harassing me to pay them. Then a couple months it was quiete until my roommate was ambushed by a process server and she signed for it in XXXX. The lawyer office of XXXX XXXX XXXX XXXX kept sending letters with my name on their along with my roommate. I tried contacting the credit card company again to try work out a plan. No response. Now the attorney office is garnishing my roommates wages with no notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Bread Financial Holdings, Inc.
State: MI
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:
Pursuant to 16 CFR 313.1 financial institutions are required to provide a 30 day opt out notice to ALL consumers rather they would like their nonpublic information reported. 

Both XXXX/KAY and XXXX failed to provide me with such notice. This is a violation of FCRA. 

VIOLATION 1 : XX/XX/XXXX VIOLATION 2 : XX/XX/XXXX VIOLATION 3 : XX/XX/XXXX VIOLATION 4 : XX/XX/XXXX VIOLATION 5 : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: WI
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:
They are reporting inaccurate information on my credit report. The dates and amounts that there saying I owe are incorrect also the addresss are incorrect. 
The car was also sold in a auction and the remaining payments are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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