BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
State: FL
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:
Equifax is reporting two unknown medical collection for {$100.00} the account numbers # XXXX and XXXX. There is no name of the company listed. I never received a letter validating the debt. The Debt just appeared on my Equifax credit report on XXXX/XXXX/2017. Also Equifax continues to report XXXX XXXX  XXXX XXXX and XXXX XXXX account # XXXX. None of these companies have provided a signed contract binding me to the debt that they are reporting to Equifax. Also I have not received verification that this debt was assigned or sold to collector, information that these companies are licensed in florida to collect. I have n't received nothing to validate this debt. In the US law encyclopedia, American Jurisprudence, 73 am Jur2d. Sections 90-93 ; It says that one can not subrogate onto a contract that they were not original on, did not have any interests. Thus, when an original creditor sells the debt, but they did not give these rights to the collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} XXXX XXXX XXXX XXXX - XXXX - {$710.00} REMOVE INQUIRES : XXXX XXXX XXXX/XX/XX/XXXX 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 XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX  XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2019-04-06
Company: REGIONS FINANCIAL CORPORATION
State: LA
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:
In XX/XX/2017, Region Bank ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

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 2018-01-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
USAA Fed Savings Bank issued my mortgage ( XXXX XXXX ). In XXXX USAA hired a sub-contractor ( XXXX XXXX XXXX ) to service the loan however I still am required to pay to the order of USAA FSB. I have paid my mortgage at least XXXX month early since the initiation of this loan ( XXXX XXXX ). For over two years, since XXXX was brought on as a mortgage servicer company, they, USAA and XXXX, have falsely/incorrectly adjusted my mortgage due date, always due earlier, I believe, in an attempt to mislead me and make me think my payment is late. I have contacted both companies who have responded to me however the practice continues every month to every two months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I was attempting to purchase a new vehicle and was denied due to CapitalOne Auto reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Experian Information Solutions Inc.
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 file a complaint on XXXX/XXXX/XXXX case number XXXX about Experian not providing proof of the items on my report on how they are verifying these items and the just keep sending me a report saying verified. Now I would like for you all to make them do their job because I do know that they are violating my right by not doing so. I have a problem with them saying its verified to me within two weeks but now need 60 days. that 's a problem and dont feel they are doing their job. I request this from all three bureaus and the other two could n't verify them so the stop reporting like they should. I even sent a letter that the collection agency sent me saying they cant verify and ask that they stop reporting but they still reporting as verified. Now I know if this is wrong that the others accounts are not verified they are just not doing their job. XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX. I 'm sending you the letter i sent to them but they still saying verified.

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 2019-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Hi, I found three suspect transactions posted on my boa credit card account on XX/XX/XXXX. They were XXXX {$770.00} onXX/XX/XXXXXXXX XXXX {$1000.00} on XX/XX/XXXX and {$1000.00} onXX/XX/XXXX. 
I reported them to the BOA fraud department right away by walking to the local BOA branch and asking a banker for help. During the phone call, I stated that I didn't recognize those transactions, and I have never been shopping on those stores. And then I was issued a new credit card with new numbers on it which will be mailed to me in a few days. The old credit card has been closed then. XX/XX/XXXX, those amounts listed above was credited back to my account, but bad thing happened to me again. XXXX {$84.00} on XX/XX/XXXX. It was ridiculous. My old credit card was closed, and I haven't gotten my new one yet. But somebody still kept using my information to do fraud, and it seems BOA did nothing. I called again, and got credit back again. XX/XX/XXXX, BOA informed me that my claim was denied because the credit card I had is a chip card, and those four transactions were all card presented. So those four transactions has been posted on my account again. It was a blow.BOA believed a chip card couldn't be copied. But the fact is the chip card can be copied. According to XXXX XXXX, Chip card cloned was happening in XXXX in XXXX. My case may be first chip card cloned case in USA, but never be the last one. What I did is to help BOA fighting the fraud. I am honest enough to tell the truth that my credit card was kept in my wallet all the time. Then I got into the trouble that I had to tell BOA how those crooks did the fraud. This is totally no my liability and totally out of my ability. all I know is my card is in my wallet, I never used my card shopping on those stores, and I was working on an XXXX restaurant during those transactions happened, my boss can be my witness. I kept contacting BOA on XX/XX/XXXX. They opened my claim again to do more investigation which is good. But I was told if I can't prove myself then the result will be same that means I have to pay these {$3000.00}. When I asked the guy on the phone from BOA that why I have to prove myself but not those stores. I got no answer. I felt BOA treating people differently, just because they are big companies, and I am only one person? BOA ads " worry free, zero liability '' are totally not true.

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 monetary relief
Consumer complaint received 2018-04-18
Company: 2288984 Ontario Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018, an associate at XXXX XXXX XXXX contacted my ex-husband. They released all of the debt information to him including the amount of money that I owe as well as the name of the company it is directly owed to and asked him to leave a message to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I notifiied the company and no response.I received investigation results on XX/XX/2020. I asked for method of verification in mid XXXX which transunion started looking at on XX/XX/2020 and no response came from them in the required time period of 15 days. It has been more than 15 days. The uploads document this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: NAVY FEDERAL CREDIT UNION
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:
I opened an secured credit card account XX/XX/2021 with Navy Federal credit union for the total amount of XXXX funded with cash to build credit and I was told after XXXX months that I would be consider for a unsecured account in XXXX months after a review with the bank. I was also told if I was approved that they would match whatever had had in my savings account and add that to my secured credit card, so with that in mind I decided to put an additional XXXX on to my credit card to increase the amount to XXXX on XXXX XXXX I was approve for the increase and there was no issues. I noticed about a month later that my savings account was in the negative of {$2900.00} but me not having experienced with credit cards I assumed that it was an error on the bank end and went on with my life. Navy Federal never contacted me, Never sent an overdraft letter in regards to my account being overdraft. I didn't take the negative amount seriously until I called in asking information on how I can increase my chances of getting approve for an unsecured credit care three months after I signed up for the card and that's when the representative told me that I was reponsible for the negative account and wouldn't be elgible for the unsecured credit card until it was paid. I told her that that couldn't be accurate because the {$3000.00} was made and if it wasn't how why did Navy federal allow me to utilize the XXXX and charge me interest on the money for several months if the account was not in good standing or if they never received the initial required payment for the card to be issued. I got the run around, I got I don't know, I got well when we went in to take the funds out of the checking/savings account the XXXX was there so that's why your account is in the negative, so I said well it must have been a computer error or the payment was actually applied to the account through the the system by ach transfer allowing the XXXX limit increase and she said no we never received the payment. I contact serveral associates including branch managers and also requested an investigations on where my XXXX XXXX dollars went if they didn't get the payment and all I got was a packet of bank states for a year but nothing showing that XXXX XXXX dollars was not applied to the credit card. I am writing this complaint because I get at least three calls a week from navy federal in regards to this credit card and every time I tell them why I am not paying they still cant resolved the issues and I am still responsible for interest rates, late payment ect. I want this issues solved in a fair manner and I want all my money back plus interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not liable for this alleged debt debt with XXXX XXXX XXXX XXXX, and I absolutely not have a contract with Commonwealth Financial Systems. Plus they did not provide me with the original application like I asked after they illegally placed this negative account on my credit reports without sending me a dunning letter in the first place. 
Account # : XXXX Amount : {$390.00} I demand that they close this account and delete it from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
They have not helped in any matter. Agreed to add me on to several deference and forbearance without letting me know how much I would have to pay later and how much interest would be accrued. They are not helpful in guiding us to the right repayment plan and truly laying out how much I would be repaying. In fact, when I did some digging, I checked the site and for an income-based driven program, I would pay {$0.00} for the first 12 months, {$210.00} for the next 12 months and {$2500.00} for the next 10 years. Not for nothing, but that makes no sense. There is probably a reason why the individuals can not share ALL the information and hide this information because then no one would ever be able to pay it back. {$2500.00}??? really? 

I have gotten rude individuals. I have not gotten any step by step guidance just a referral to the website, which is not very user-friendly. 

I have a family to support including XXXX small kids and realistically speaking even if I dont have to pay initially, the plan the website paid out for me is unrealistic to pay. 

In addition, because of interest rates, according to the website, out of the $ XXXX of the original loan, by the time I pay it off, I would have paid {$490000.00}. Almost {$320000.00} more than the original loan, which goes to these criminals. I refuse to pay and they need to educate us more and give us better ways to pay down the loan and more options to pay the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: EQUIFAX, INC.
State: ND
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:
On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. Equifax was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: FL
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:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions Inc.
State: CO
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:
Per Certified Credit Reporting Report # XXXX, XXXX, XXXX, and Experian have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - aka : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.

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 2019-04-06
Company: Credit Karma, LLC
State: ND
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:
On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. XXXX  was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: U.S. BANCORP
State: NY
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:
The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment immediately.

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 2018-04-03
Company: Experian Information Solutions Inc.
State: FL
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:
After paying Experian 's website a fee and answering all of the required questions to verify my identity, I received a letter stating the following : " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible. '' Please not that the letter that I wrote to dispute an inaccurate item on my credit report was written in print not in cursive form. 

The reference number given to me by Experian after paying to receive my credit report is as follows : Reference Number : XXXX The item that I am disputing on my credit report is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Any assistance that you could provide me regarding this matter will be greatly appreciated. 

Respectfully, 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 explanation