BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
One day someone called me saying My car was in a accident but that was a lie because they said it happened in XXXX. I do not live in XXXX. I live in XXXX. they have not provided me any proof that the debt belongs to m, they did not do any investigating to help me get this debt removed. this is a false claim to get debt from me that i don't owe, this company has not once verified IF I AM THE PERSON TO CHARGE THE DEBT TO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fulton bank continues to reverse or not register my payments within there " system '' I have been dealing with this issue for a year. It feels like they are trying to foreclose on the house or pile on late fees. The worst part is that my wife and I are financially secure. We have no problems coming up with the money to pay our mortgage. The problems with payment occur on their end. I am honestly clueless as to why the payments get reversed or register on the account but, Fulton bank still says I am past due on the website. I speak so much with the employee in charge of my account, I recognize her voice. The issues has been going on since the account was opened in XX/XX/XXXX. Judging by a Fulton bank employee 's response today, this is a recurring theme. 

It still says that I am past due on my payments from XX/XX/XXXX however, I have made consistent payments. Today I got a letter in the mail making it seem like my account is delinquent. They are either doing some shady stuff over there or just negligent incompetence. 

End of rant

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 2019-07-17
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: Information belongs to someone else

Complaint:
XX/XX/2007 my home was vandalized and robbed while my family and I were out of the country, the police report number is XXXX. Its as if they were looking for something because the thieves stole files of tax information, televisions, jewelry, and a safe.Years has past since then but I pulled my credit recently and I noticed some accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management has continued to call my phone, asking for XXXX XXXX and they have been told countless times that I have had my phone number since XXXX  and no one has had my number for XXXX XXXX. I have been called a liar, received repeated calls, and when asking for the corporate number they tell me only XXXX deals with the calls. I have exhausted all my efforts to try and stop the harassment of this company but everything has failed. You block them, and they call from another number. I have spoken to corporate before about this issue but apparently, they have ignored my requests to stop receiving calls from them. I was assured it would stop but it has not...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: Nicholas Financial Inc.
State: MO
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 have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am a Combat Veteran with a XXXX under the 1st prong of the American with Disabilities Act ( ADA ), U.S. Code Title 42, Section 12102 ( 1 ) ( A ). see : https : //www.ada.gov/law-and-regs/ada/ # top : ~ : text=The % 20term % 20 % E2 % 80 % 9Cdisability, of % 20such % 20individual % 3B and I have made this known to Navy Federal numerous times XXXX My ability to speak, concentrate, think, and communicate are impaired ( Title 42, Section 12102 ( 2 ) ( A ), see : https : //www.ada.gov/law-and-regs/ada/ # top : ~ : text= ( 2 ) % 20Major % 20Life, communicating % 2C % 20and % 20working. ) <p> Navy Federal Credit Union ( hereafter, NFCU ) is a public accommodation as defined under ADA Section 12181 ( 7 ) ( f ), continues to refuse to communicate in any manner accept voice telephone calls. See : https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( 7 ) % 20Public % 20accommodation, entities % 20affect % 20commerce <p> NFCU 's " failure to make reasonable modifications in policies, practices, or procedures, when such modifications are necessary to afford such goods, services, facilities, privileges, advantages, or accommodations to individuals with disabilities, unless the entity can demonstrate that making such modifications would fundamentally alter the nature of such goods, services, facilities, privileges, advantages, or accommodations '' is a form of discrimination, violating the ADA. See : <p> 1. ADA Section 12182 ( b ) ( 2 ) ( A ) ( ii ) https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( ii ) % 20a % 20failure, advantages % 2C % 20or % 20accommodations % 3B <p> 2. ADA Section 12182 ( b ) ( 2 ) ( A ) ( iii ) https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( iii ) % 20a % 20failure, an % 20undue % 20burden % 3B <p> Navy Federal Credit Union has blocked my ability to make electronic mortgage payments, will not accept payment at an ATM, or a physical branch, and has not repaired their online messaging system, nor do they provide a means to reach them via email or chat. 
<p> ADA Section 12201 ( f ) precludes NFCU from requiring me to communicate with them via phone. See : https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( d ) % 20Accommodations % 20and, not % 20to % 20accept. 
<p> I just want to make my delinquent mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING is claiming that I owe them {$2300.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$21000.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-08-13
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The above account was classified as a discharge, therefore CONNS APPLIANCES, INC was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, CONNS APPLIANCES, INC has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : CONNS APPLIANCES, INC Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
I could not afford to pay it off, so it's on my credit report and I had let them know but they will not do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: FIRST NATIONAL BANK OF OMAHA
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to FNB Omaha resulting in a fraudulent credit inquiry on my XXXX credit report from FNB Omaha. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent FNB Omaha credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both FNB Omaha and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. FNB Omahas phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent FNB Omaha inquiry removed from my XXXX credit report. The date of the fraudulent FNB Omaha credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by FNB Omahas refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with FNB Omaha.

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 2023-03-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 12 USC 1681.

Experian is governed by 12 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have rights to privacy and I did not give Experian written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX 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 explanation
Consumer complaint received 2023-01-30
Company: SYNCHRONY FINANCIAL
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PayPal and XXXX XXXX  kept removing funds unauthorised. I lost a ton of money due to fees. Its complicated

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 2019-07-17
Company: EQUIFAX, INC.
State: TX
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 and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo had on going fees that happened around 2019

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 2021-02-18
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/2020 I applied for a mortgage refinance with PenFed Credit union. I paid a {$500.00} appraisal fee. PenFed approved my loan, but was not able to close my loan ( through no fault of mine ) within 5-6 months. My credit report expired as well as all my documentation and then PenFed asked me to pay a {$5500.00} re-lock fee because they did not have the staff to close the loan within 90 days. I am seeking a refund of my appraisal so I can pursue a refinance with another institution.

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 2018-05-23
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, VIRGINIA XXXX XXXX LOAN NUMBER -- XXXX MORTGAGE COMPANY - FRANKLIN MORTGAGE XXXX ARIZONA DEAR SIR/MADAAM I HAVE BEEN TRYING FOR TWO ( 2 ) MONTHS TO GET AN OVER PAYMENT OF MY REAL ESTATE TAXES IN THE AMOUNT OF {$700.00}. THAT ARE DUE TO ME AS A RESULT IN THE LOWERING OF MY TAXES IN VIRGINIA. I HAVE ASKED 5X WHERE MY REFUND CHECK IS AND THEY KEEP TELLING ME NEXT WEEK, NEXT WEEK. i HAVE SPOKEN TO A SUPERVISOR ABOUT THE PROBLEM, XXXX XXXX AND HE SAID HE WOULD SEE THAT IT WAS MAILED TO ME AND IT HAS NEVER COME. I HAVE LEFT OVER 6 MESSAGES FOR XXXX XXXX AND HE WILL NOT RETURN MY PHONE CALL, I HAVE TRIED TO REACH A MANAGER AND THEY WILL NOT LET ME SPEAK TO ONE,. THIS IS VERY FRUSTRATING, I AM A XXXX XXXX XXXX FROM THE XXXX XXXX XXXXXXXX VIRGINIA AFTER 28 YEARS AND WAS A XXXX XXXX AT THE XXXX ON XXXX WHICH HAS NOW LEFT ME XXXX XXXX  XXXX. I WAS HONORED BY XXXX XXXX IN XXXX VIRGINIA FOR MY SERIVE IN XX/XX/2001. THIS ORGANIZATION HAS VERY POOR CUSTOMER SERVICE AND MANAGEMENT SHOULD BE AWARE TO TAKE CORRECTIVE ACTION. PLEASE HELP ME GET MY REFUND CHECK ASAP.

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 2023-01-07
Company: Experian Information Solutions Inc.
State: WI
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:
After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

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 2019-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by the following number, ( XXXX ) XXXX-XXXX, stating that I owed over {$1000.00} for a bounced check. 
The Wells Fargo bank account they referenced has been closed for over 5 years. 
They did reference my social security number as well, however, they could not reference where the charges stemmed from. 
The person on the phone was dodging questions about who her company was. 
The person on the phone said that I am being charged with a XXXX  by the State of California for not paying something, and my options were to pay the amount up front to close the case, or to go to court.

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