BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-26
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
A credit card account was opened by someone within the bank under my name and used. I 've contact all  XXXX  credit bureaus several times but NAVY federal credit union told them those account is mine, I sent NAVY federal credit union FTC 's Identity Theft Affidavit form and they never resound to my request to provide me with verification of account belong to me. As of today NAVY federal credit union keep reporting to credit bureaus with delinquency info in my credit report, which made several lenders to deny home loan refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-10-28
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with them them over and over via the credit unions. they continue to come back verified I call the number available on my credit report the recording says number not available. I went on line to get a fax number when i fax them a recording says not available I sent them a email with no response. 
i am a victim of identity thief either send me a contract i signed or delete. 
IF THEY CAN VALIDATE THE DEBT THEY CAN ANSWER THE PHONE Here is the email I sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Account as it appears on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX Dear credit representative, I am disputing the account stated above. Previously I disputed this account information as being inaccurate you responded by stating the you were able to verify this debt. So it stayed on my credit report however I have yet to see an original contract or any proof this is mine. 
The fair credit reporting act requires you verify the validity of this within 30 days at the Time if it can not be verified you are obligated by law to remove it from my credit file I urge you to remove it before I am forced into legal action. 


CFPB, XXXX and all 3 credit bureau will be receiving a copy of this letter. 



In the event you can not verify this debt I request you remove it. If you continue to report this on my credit I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations I may Sue you and any qualified for state or federal court including small claims court in my area. 


I look forward to a swift and amicable resolution to this matter sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by BANK OF AMERICA in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate and unverified late payments listed by BANK OF AMERICA. 
I challenge the accuracy, compliance and reportability of this listing because during the time the company was reporting these late payments I was never notified of the late payments being reported. I never even received statements. 
1. 120 DAY LATE PAYMENT IN XX/XX/XXXX 2. 120 DAY LATE PAYMENT IN XX/XX/XXXX 3. 120 DAY LATE PAYMENT IN XX/XX/XXXX 4. 120 DAY LATE PAYMENT IN XX/XX/XXXX 5. 120 DAY LATE PAYMENT IN XX/XX/XXXX Please validate this information with BANK OF AMERICA and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2022-10-31
Company: EQUIFAX, INC.
State: IN
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:
The inquires below are not recognized. I have tried to resolve this matter several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
hello, I have been working with Navient on a lower payment plan. This is now my second time dealing with this same issue which was actually handled by CFPB last year. I spoke with a woman named XXXX at XXXX ( ext : XXXX ) on XX/XX/18 and we discussed numerous financial struggles I am currently facing. They had me set up on a rate reduction plan originally for $ XXXX/month which with debt/income ratio, it was putting me negative every month. At the time, the IRS depleted my bank account, my finance left me, and my co-signer passed away. On top of all of that, my parents went homeless. She was able to set up a lower plan. I have three loans : loan # XXXX, XXXX, XXXX. For # XXXX, we set up a forbearance ( {$50.00} ) until the end of XX/XX/XXXX ( confirmation # XXXX ) and for loan # XXXX & # XXXX, she set up a monthly payment for {$220.00} ( XX/XX/XXXX-XX/XX/XXXX) with a payment of {$78.00} what would be deducted for the month of XXXX XXXX. ( confirmation # XXXX ). This was a plan that I could work with. As of today, I received a phone call stating that said my program was not set up right, there was an error, it was not done right .... and I had no option but to pay another {$100.00} a month. A supervisor ( XXXX ) I believe her name was XXXX or close to that ( we spoke at XXXX ) said that XXXX set up the program wrong and that there was nothing else they could do. She quoted, " oh, XXXX did not set this up right ''. If a company makes a mistake, isn't it on them to try to make the customer comfortable not try and blame the problem on the customer?? Ironically, when asked to speak with XXXX, I was told " she no longer works for this dept ''. I am getting frustrated because every time I set up a rate reduction plan with this company something happens on their end and some how it's on me to come up with the difference. I need help because I can't afford to go negative again or destroy my credit because of ONE more mistake that they made on their end. I just don't understand why I have to pay more for a mistake that way made on their end. I don't feel valued with this company and I feel like they don't respect or care about their customers. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently called to ask Chase bank why they reported to the credit Bureau that I was 30 days late on a payment that was already paid off. When I called I got this info : They showed that on the XXXX of XX/XX/2019 I was very late on my bill and owed XXXX to bring this balance down to XXXX and be finished with the bill. I paid that amount on the same day the XXXX to being it to XXXX. 

THey say that I tried to make another payment for {$250.00} later that same day and in a few days that came back as a return payment. 

The man on the phone stated to me that if the payment went through then it would have meant that I had a credit on my account for XXXX since I didnt owe anything. 

They updated my account with charges and late fees from the return payment that I had no idea of since I thought I paid off the entire amount. They reported to the credit Bureau that I was 30 days late for not paying what accrued to be {$56.00} The guy representing Chase agreed with me that they were in the wrong for charging me the fees and said they would remove them. I still have {$2.00} in the negative that they are saying that i owe in the mobile app. 

Additionally, because they reported me being late my credit score dropped 51 points. When I called back to ask if they can report that they made a mistake they said I would have to do that on my own. I think that's XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-31
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A hard pull of my personal credit information was pulled by Synchrony Financial WITHOUT AUTHORIZATION. I was NOT the personal guarantor. Nor was my SSN provided to them to check my personal credit. This was not permitted by law. File XXXX ( 20.5 KB ) was closed with them claiming they couldn't find the information, but here is the attached letter I received from them for this unauthorized HARD PULL.

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 2018-10-31
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/XXXX, I traded in my leased XXXX XXXX XXXX for a XXXX XXXX XXXX. Honda of XXXX XXXX agreed to pay off the XX/XX/XXXX lease, waive the lease termination fee because I was leasing another vehicle, and that any wear and tear was within the {$500.00} damage waiver. In approximately XX/XX/XXXX, I began receiving telephone calls from XXXX XXXX XXXX at home and at my place of business, purportedly relating to amounts owing on the XX/XX/XXXX lease. I was provided no documentation of any such purported debt and the burden was placed on me to obtain information of the amounts Honda was seeking to collect. I contacted Honda Financial Services, who placed the burden on me to document that I relinquished the XXXX XXXX on XX/XX/XXXX in connection with leasing a new vehicle. I provided all documentation in my possession regarding the transaction, which shows that I traded in the XXXX XXXX for a new vehicle on XX/XX/XXXX. Nothwithstanding, Honda Financial Services demanded that I obtain the Vehicle Return Receipt from Honda of XXXX XXXX, which provided a document falsely stating that the vehicle was returned on XX/XX/XXXX and identifying the " dealer '' as XXXX XXXX XXXX, an entity I have never dealt with or even heard of. Honda Financial Services refuses to accept my documentation, refuses my requests to document " excess wear and tear '' above the {$500.00} waiver, and in the meantime, I continue to be bombarded by phone calls from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am trying to close my XXXX credit account and I am being told it can't be done

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 2020-09-23
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX, I.C Systems INC reported to the credit bureaus XXXX and XXXX  that I have a debt from XXXX. Which is completely false and inaccurate. I sent a letter to them on XX/XX/XXXX and bureau asking their method of verification and they could not provide the facts. In writing I ask them to provide the vadilty of this debt. XXXX  wrote back on XX/XX/XXXX saying it's verified but failed to show proof of this debt to me. They LIED and did not attempt to verify this debt. I am requesting this debt collection be removed from my files.

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 2018-10-28
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-10-28
Company: Experian Information Solutions Inc.
State: FL
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:
There are many mistakes appear in my report without my understanding.

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 2018-10-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to late payment I have been advised that I do not qualify for automatic payments. Consequently I now have to log in every month to make a payment otherwise incur a fee by doing so over the phone. I can not once online schedule a payment any further than a month out. If, for example I need to reset password, then links sent do not work and I have to make a call to get it resolved. 
SPS is a terrible company. I have only been dealing with them for a few months since transfer, not at my request or wish from XXXX XXXX, to them. 
It seems to me their priority is to make life difficult for borrowers and encourage practices that make it difficult, not easy, to make payment and therefore instigate late fees, penalties etc. 
As a consumer I think it is a disgrace that mortgages can be transferred without notice and create hassle for the borrower. This should be a seemless process. I am very angry and frustrated that companies behave this way and the fact that the government does not have the will to alter their behaviour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Allied Account Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today is XX/XX/XXXX, I have not receive a letter or bill from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX College. I did get a letter from Allied Account Services Inc with XXXX XXXX  creditor for {$850.00}. I was confused about who and where this bill is with. I did not know that I could dispute it. There was not a letter sent out saying that I could dispute the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: AIH Receivables Management Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Below is my best recollection - - - not sure exactly how many calls but this is the idea. 
The company is AIH Receivables , Inc. - they were calling me to collect payment for an account with XXXX XXXX XXXX XXXX XXXX. 

First call - in XX/XX/2018 - They called and were very nice. I told them that I was not aware of this bill and to please give me a chance to find out more. They said yes and theat they would call me back in a week or so. 
Second Call - yes this is my bill and I can pay {$25.00} per month. They said that they needed at least {$100.00}. I told them that I could not pay that amount but give me a few days to check and see what I could do. 
Third Call - early XX/XX/2018 - I explained that the best I could do was {$25.00} per month for now and that hopefully after the first of the year I could increase the amount. The lady - same lady on all three calls - became hostile and started asking random questions - did I own my home, how many people lived in my home and other things that I do not remember and other questions that I did not understand to be relevant to this conversation. I asked her to wait, hold up, please stop for a minute so that we could talk, so that I could understand where she was going with these questions, but she would not! She kept talking, questioning me, the tone was hostile, she became loud and the questions kept coming. It was like she was mad at me! I had to hang up because she would not stop! 
Fourth call - late XX/XX/2018 - another woman called - and the overall conversation was that I was not doing XXXX XXXX XXXX any favors by giving them {$25.00} a month and that I owed them the full amount now! It was a different amount from the amount that the first lady gave me and she would not explain to me why the amounts differed. She asked who was XXXX XXXX. ( his name was on the account as it is his medical bill and he is XXXX by the way )? I told her that he was my son ( I am his legal guardian and biologically his great aunt ). She said then they needed his father 's name so that they could GO AFTER him for the payment! She also asked if I worked for XXXX XXXX I told her that company closed several years ago, I did use to own that company and why do you need that information? She would not tell me why, she just kept asking questions. I told her that I was not going to answer any questions not relative to this bill and she said that was OK because they would be getting their money from me by any means possible. I told her that I could at least be making some payments, putting some money on the account. They said that was not what they needed. They needed the full amount paid to them now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions Inc.
State: NV
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 applied for credit with XXXX XXXX XXXX  and they ran my credit thru Experian. This is a copy of why I was declined. None of this is true Experian is reporting false information to creditors.

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 2018-08-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX was deleted but reinserted into my credit files with XXXX and equifax   without notifying me whatsoever, in violation Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i had a debitcard on the XX/XX/2018 from the usaa mobile app. It was not me or anyone else authorized for the ordering of a new debit card my phone did not do the request. I would like the request for a new debit card from the usaa mobile app to be investigated to find out the phone or person or persons responsible for the unauthorized order of replacement debit card. The fraud depart at usaa is going to be doing an inner investigation on their end but part of their investigation process is to fill this fraud report out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
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:
Equifax and this company " XXXX XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with Equifax, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information Equifax and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO ADDRESS/UNABLE TO FORWARD. Therefore, it's no way Equifax had properly did their job.

Company response to consumer: Closed with explanation