BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery Systems I have never received correspondence from them about a debt owed prior to this going on my credit. This is the second time I am filing a complaint to the CFPB on them. Last time it was in XX/XX/XXXX for the same mess. This appeared on my credit report on Thursday, XX/XX/XXXX for {$800.00} out of the blue and then on Friday, XX/XX/XXXX @ XXXX XXXX  I received a call from Midwest Recovery from a XXXX, Florida number which makes no sense. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this debt, which I do not. This company continues to do this to several citizens by popping up out of the blue on their credit report and attempting to strong arm people by sending a debt automatically to all three credit agencies with no correspondence or calls. I am highly XXXX off and plan to go to local authorities as they are playing with my livelihood and my credit and appear to be scammers. I am sick of it. Something has to be done with MRS .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
This complaint is for Navy Federal Credit Union ( NFCU ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts Navy Federal Credit Union continues to report knowing that information is inaccurate and not reportable by Law. NFCU is infringing on my right to credit. NFCU is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to NFCU and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. NFCU has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the XXXX XXXX XXXX is needed to be filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX/XXXX/XXXX I talk to a lady name XXXX in the consumer affairs office at Equifax, XXXX XXXX refuse many times to remove / delete a {$40000.00} delinquent 15 old account off my credit report, XXXX XXXX to remove a SSN thats not mind off my credit report, XXXX XXXX to remove / delete XXXX address thats not my address at all off my credit report, XXXX XXXX to Remove / Delete my middle initial, XXXX XXXX to remove a formerly Known name that I never used off my credit report XXXX XXXX XXXX to remove / Delete a account that was removed from my credit report & put back on my file with out sending me a letter with 5 days explaining why the {$320.00} Account was put back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: SYNCHRONY FINANCIAL
State: GA
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 was reported late 60 days for months of 2020 XXXX and XXXX. We tried to explain the work situation due to the pandemic however the company did not take any actions even after it was disputed through the credit bureau. We have always kept a good standing with SYNCB/AMAZON and SYNCB/XXXX XXXX but during COVID 19 every other company differed the payment or offered some sort of forbearance. We have payed the credit card off and request that SYNCB/AMAZON remove these late reports to credit bureaus.

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 2022-03-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like my credit file corrected.

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 2017-10-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XXXX XXXX, XXXX I filled out a form on the Experian website to receive a " free '' credit report. Once I had submitted my information, it only shows certain reporting information for " free '' and says if you want your credit SCORE, you have to pay {$1.00}. So, I paid the {$1.00} to get my credit score. What the website does a VERY poor job of explaining is that in paying that {$1.00}, you are signed up for some sort of " membership '' program that costs {$21.00} per month. If you do n't call and cancel the membership within 7 days, your membership automatically renews for eternity. I was unaware that I was being signed up for this program, and when checking my credit card statement today ( XXXX XXXX ), I saw that I had been charged {$21.00} on XXXX/XXXX/XXXX and another {$21.00} on XXXX/XXXX/XXXX. It should also be noted that in going back through my junk email folder I noticed several emails from Experian, NONE of which were receipts or notices of being billed for the membership. I found a very generic " Welcome to Experian '' email, that had I seen at the time, I still would not have known that I had signed up for any sort of membership. Reading the email, it seemed like typical follow-up marketing when you give out your email address. No mention of the cancellation period, no mention of being charged for anything, it does n't even mention the word membership until the very BOTTOM of the email. When I called Experian to dispute the charges, explaining that I was unaware of being signed up for any sort of membership, they were only willing to refund one of the charges. I even spoke with a supervisor and no one was willing to help. The XXXX/XXXX/XXXX charge has not even gone through on my credit ( still pending ), yet Experian told me there was nothing they could do to refund the charge and that I would have the membership benefits through XXXX. Thanks Experian, that 's so helpful! I get another month of a membership that I did not sign up for, I do not want, need, or find helpful, and there 's nothing you can do about it. These types of practices are extremely deceitful and should be stopped!! I am certain that I am not the only person who has been tricked by this process. This needs to end, and the victims compensated justly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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:
To whom it may concern in this matter. I need your assistance in removing a charge off account that do not belong to me. However, it is reporting on my credit file. 

My name is not XXXX, XXXX XXXX My address is not or never been, XXXX XXXX , XXXX XXXX, To XXXX XXXX, XXXX XXXX XXXX , or XXXX XXXX The following items do not belong to me XXXX is reporting on my XXXX & Equifax ; Bal : {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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:
To whom it may concern in this matter. I need your assistance in removing a charge off account that do not belong to me. However, it is reporting on my credit file. 

My name is not XXXX, XXXX, XXXX  My address is not or never been, XXXX XXXX XXXX XXXX XXXX, To XXXX XXXX, XXXX XXXX XXXX , or XXXX XXXX The following items do not belong to me XXXX is reporting on my XXXX & XXXX ; Bal : {$9300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
While working with Caliber Home Loans for my mortgage servicing, they tend to lack transparency. 

When a change is made to your recurring mortgage payment amount your existing payment is cancelled without notification. There is no email or message that you need to pay the existing payment and that they have cancelled it ( I even reached out via email and received no response ). Eventually you get a call from a debt collector asking you to pay and you get charged a {$3.00} fee for a one-time payment. 

There is also a {$27.00} fee for being late, but you are not notified about this charge as it is rolled into the one time payment. 

They are currently refunding my {$27.00}, but my concern is that unaware users are getting charged late fees with no notification or transparency. Cancelling your existing payment without notification and then charging a late fee is a very concerning business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a text from Chase on XX/XX/21, they told me they declined a {$230.00} purchase with my credit card at XXXX XXXX. They asked if that was my purchase, I said no. They canceled that card and sent a new one ; however, I found out after going through my statement on my mobile app that there were over XXXX in XXXX charges on my credit card. Chase flagged one charge but there were at least 50 charges. I called both Chase and XXXX, its been an ongoing issue. I received a letter from Chase saying my case was closed because they said I benefitted from the transactions which I did not. I had to continue to call both Chase and XXXX to try to get them to work together to help me get my money back. XXXX asked me if I knew a XXXX XXXX, I said no. This person is involved in this fraud. Ive also filed a police report naming this person in the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 my wife and I are senior citizens and were victims of a fraudulent transaction. We both attended a presentation in XXXX XXXX, Floriday by XXXX XXXX XXXXXXXX  of XXXX  Missouri. As a result of fear and high pressure tactics over more than 3 hours, we were forced to sign a contract in the amount of {$17000.00} to exit 2 timeshares for which we had originally paid {$15000.00}. The transaction included charging {$3000.00} to an existing Chase credit card in the name of my wife, XXXX XXXX XXXX, and then opening up 2 new credit cards of {$7300.00} each with XXXX XXXX XXXX in my name and with Chase in my wife 's name, for a total of {$17000.00}. The premise was that our children would be liable for thousands of dollars of maintenance fees which would be taken from their estate after we were deceased. We were assured that the intire process consisted of sending a form letter to the timeshare companies to which they were legally obliged to respond, and that the entire process should only take about 90 days. In the event of a rare problem, it might take up to a year, but thay were offering us a money-back guarantee. We signed the enclosed documents, and I began following up monthly at the Call Center telephone number at XXXX XXXX XXXX that they had given us. Each time I was told that the timeshare companies had not responded to their letters. In XXXX, I called 3 times and could not get any reply so I became alarmed. I then began a XXXX search and discovered that XXXX XXXX XXXX was part of number of timeshare exit companies being sued by the Attorney General of Missouri for fraud, including XXXX XXXX XXXX. I then opened disputes with the 3 credit cards. XXXX XXXX XXXX resolved the dispute in my favor within a month and refunded to me {$7300.00}. Chase did not. After 4 months our dispute was denied with no explanation. Enclosed please find a copy of our contract, a news report showing that the Missouri Attorney General is suing XXXX XXXX XXXX ( among others ) for fraud, and a letter from the Missouri Attorney General referring our complaint to the Enforcement Unit for action. 
The XXXX XXXX XXXXn Group and its afilliates XXXX XXXX XXXX  and XXXX XXXX XXXX  are parts of a criminal racketeering enterprise which has defrauded hundreds of seniors of their lifetime savings. I demand that Chase refund our money immediately. 
Since XX/XX/2020 we have received no communication from XXXX XXXX Protection of any actions taken by them to resolve this issue, including documentation of escrow funds ( as requuired by law ) nor any correspondence to and from the timeshare companies. I am reporting them to the FBI for prosecution and to the Attorney General of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ally Financial IncXXXX provided me a loan for a XXXX XXXX XXXX. In XXXX me and the company agreed on a XXXX XXXX XXXX XXXX. I had 10 days to pay {$190.00} to finalize this agreement which expired on XX/XX/XXXX. I paid the balance on XX/XX/XXXX. In the agreement it states, " all remaining scheduled payments have been extended by 60 days. The next scheduled payment would be XX/XX/XXXX for {$200.00}. 

After receiving 5 phone calls from their debt collection department on XX/XX/XXXX which start at XXXX - XXXX. I received a phone call the day after XXXX at XXXX, I told the representative that I had already agreed to a payment plan and I had until the XXXX to pay it. I was told that the agreement was closed by the representative. Then I was told that I could go ahead and make the payment but the extension department would have to re-evaluate the extension and get back with me in three days. 

When I talk with different representatives documentation is n't taken properly and the communication is extremely poor. I had until the XXXX to pay the remaining balance but the collection office closed my extension agreement prior to the 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 2021-02-16
Company: Credit Collections U.S.A., L.L.C.
State: PA
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:
My name is XXXX XXXX XXXX and on XX/XX/2021 I sent a dispute to the credit reporting agencies regarding this medical collection account listed on my credit report. I also reached out to the collection agency to request information that provides proof that this medical bill belongs to me. The collection agency CR COLL/USA for XXXX XXXX XXXX, MD. The account # XXXX. They said they sent validation but NEVER did. I was told that they will never take this medical bill off my credit report even if it was paid. I NEVER seen documentation because they refuse to send me validation information. I didn't sign any medical release form and I have ask to have this debt removed off my 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 explanation
Consumer complaint received 2021-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ONE BANK USA is currently showing 30-60 days late for the year 2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Infinity Capital Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, although I talked to them that I do not owe anything to Infinity insurance and Infinity knows it, they keep sending me letters and advice me to proof that I do not owe them anything. I do not know what else to to.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 dont remember do inquiries for XXXX on XX/XX/2018

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 2018-09-28
Company: Northstar Location Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 at XXXX we received a call ( XXXX ) with a message for an XXXX XXXX XXXX to contact Northstar Location ( XXXX ). I called the number and spoke to an operator ( XXXX XXXX ). I stated to him that we have received this call multiple times and are trying to get the calls to stop. I explained that the message from the call gives the option to connect to the operator but when the option is pressed the call hangs up. He stated that he will " investigate '' this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of ID theft that has been ongoing for several years. Ive sent copies of my ID theft report and police report to the medical facility, and they still havent removed the debt. Now theyre having debt collectors try to collect this. 

I have never even heard of this medical facility. Even if I were to be seen by a doctor in any facility, I wouldnt get a bill for over {$8000.00}. I have insurance throug h Medicare and Medicaid. Please just remove this debt and stop harassing me to pay something I dont owe. This is becoming detrimental to my finances. Every time one of these fraudulent bills gets put on my credit, it significantly lowers my score and causes me to not qualify for the financial products that I need.

Company response to consumer: Closed with non-monetary relief