BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-09
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple voice messages from Navy Federal Credit Union ( NFCU ) on my work phone line, presumably regarding a debt owed by someone who was previously assigned my number but no longer working at my company. I called NFCU twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and explained my situation to their customer service representative. I gave them my phone number and requested it be removed from their system. This is a direct line used by no-one other than myself, and I am not, nor have I ever been, a NFCU customer. The first time the representative said my number was associated with multiple accounts, and he was unable to remove the number unless I was able to provide a name associated with one of those accounts. I have no idea who those people are, and he was unable to further help me with the situation. When I called the second time, the second representative was unable to find my number in their system and told me to wait until I was called again. 

My number : XXXX Incoming phone number as listed on caller ID : XXXX Call-back phone number in NFCU voicemail : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/XXXX Carrington Mortgage Services LLC received our {$1500.00} XXXX XX/XX/XXXX payment as our Bank XXXX would send Mortgage checks to Carrington 3 days prior to my payday. Carrington said they DO NOT carry forward any payments. Later in XXXX my credit report took a large hit for a missed payment of XXXX XX/XX/XXXX. XXXX 's payment was received by Carrington XXXX XX/XX/XXXX. Now the Delinquency Notices started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Then came the letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each letter stated Our records do not show receipt your payment. The Spreed sheet from Carrington 's  website tells the truth. They lied about XXXX 's payment to the credit agencies ... In XXXX I requested and AUDIT of our loan. I submitted 25 Months of records of payments to carrington. XX/XX/XXXX to XX/XX/XXXX. My evidence showed all on time payments, XX/XX/XXXX the AUDIT concurred with my findings. Yet harassing phone calls and mails continue. No one understands the audit. Last week I faxed proof of on time payments for XXXX and XXXX. My Wife and I are insulted by Carringtons ignorance to the law. Today the harassment continues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Spoke to XXXX XXXX XXXX XXXX XXXX Wells Fargo she said they had not mailed the revised copy for the extended date of the trial modification. She stated she hadn't gotten and approval it will be mailed from her Manager. She asked could she give me the terms over the phone ; this is their normal procedure. I stated I need the term of the modification in writing from Wells Fargo because I did not trust their servicing practices and I would lose my home. She stated it would be mailed to me. 
I have not received those documents and I don't want to lose my home. Wells Fargo said they mailed the mortgage assistance trial to me by regular mail but I have not received those documents from them

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 2017-07-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.

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 2022-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 2 checks today from businesses I regularly do business with and checks are never given a hold on them and they never bounce. For some unknown reason BOA decides to hold them for 11 yes ELEVEN days. One check is local and one is from Illinois. Both checks are from finance companies. There is absolutely no reason to put a hold on these checks. One check was fore XXXX and the other was for XXXX. I called BOA and sat on hold for so long I had to gang up. I then emailed the following people at XXXX am CT : XXXX XXXX XXXX, XXXX, XXXX no one has responded. My email '' Good Day, I deposited checks from my clients today and for some reason BOA is putting a hold on them. These are the same clients I have deposited checks from for the past 2 years. I have checks coming through that I wrote to the IRS for tax payment. They will bounce if this hold is on. 

Please review and lift the hold. I tried calling but sat on hold and figure they won't do as I ask anyway, have no time for that. 

Thank you, 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 2021-10-16
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:
I have been trying to contact them for over 60 days to investigate some accounts on my credit report. They have failed to respond to my disputes. I have not received no correspondence about disputes at all. The information they are reporting is inaccurate and unverifiable. They are causing me great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I sent a debt validation letter to Capital One on XXXX XXXX 2017. They have not responded with any documentation with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: NY
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 closed an account with Bank XXXX XXXX and it 's been inaccurately reporting as closed by credit XXXX when I disputed it with credit bureau they did n't correct it even when I sent them proof as Bank XXXX XXXX sent me a letter clearly stating that I requested to close it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
I am the victim of Identity Theft. I sent my FTC identity Theft Report to Equifax on XX/XX/2022. They did not remove XXXX XXXX XXXX. They said it was verified as accurate. I sent a second letter to them on XX/XX/2022 stating : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately XXXX XXXX XXXX. I gave account number and amount. The reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

They again did not remove this account. They said it was verified as accurate and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested a free annual credit report, XXXX XXXX XXXX, after filling out all information XXXX and XXXX indicated it was unable to provide. I must send additional information via the mail and wait 15 days for proessing and further days to mail and recieve. Only XXXX was available online. I believe service by the other 2 reporting agencies is a delay tactic and they no longer provide your credit score.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

Pursuant to 15 USC 1681 Section 602 it states I have a right to privacy.

Pursuant to 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 USC 1681A- Definitions ; Rules of Construction- Exclusion.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer in the person making the report ; To conclude, pursuant to 15 USC 1666b a creditor mean not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

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 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The week oXX/XX/XXXX I sent Transunion a dipute in reguards to XXXX and XXXX XXXX. These collections were deleted onXX/XX/XXXX than added back some time inXX/XX/XXXX. I did n't receive a written notification no later than 5 days after the these four accounts were reinstated

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 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
NO CONTRACT WHATSOEVER WITH ANY OF THE " SUPPOSED '' ORIGINAL CREDITORS LISTED BELOW, XXXX XXXX, OR XXXX XXXX. Recently, I received ANOTHER copy of my Trans Union report and to my surprise found that these accounts are STILL being reported by Trans Union. I have NO knowledge of these accounts. I DO NOT have NOR HAVE I EVER had a contract with XXXX  XXXX, XXXX XXXX, or any of these companies listed ( " supposed '' Original Creditors ). AGAIN, I am a victim of identity theft. These accounts are a result of identity theft. I am AGAIN disputing the following accounts!!!!!!! 

XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX These listed accounts are unsecured debts and the original creditor ( s ) NEVER had a contractual agreement with me. WHATEVER claims of a contractual agreement indicated by the original creditor ( s ) NEVER existed and therefore was cancelled. The original creditor ( s ) sold the account to XXXX XXXX and wrote it off on their corporate taxes as a loss and therefore had/have no claims against me. PLEASE DELETE AND BLOCK!!

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 2019-06-23
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
National enterprise systems. They a debt collector. They call me non stop. I told them to stop calling. Im trying to set up payments. Consumer services XXXX and representative very rude. Trying to fix my mistake and suppose there to help you. Until they call you all hours of day and harass at work which told them they called. Then talking to real person nasty.

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 2019-06-23
Company: JPMORGAN CHASE & CO.
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2019 I took a taxi from XXXX XXXX to downtown XXXX ( about 14 miles ). The fare was {$61.00}. The driver was having problems with his credit card machine so he made me pay with XXXX. So I paid through XXXX and asked him for a receipt. I received a text message receipt from XXXX with the correct fare of {$61.00}, charged at XXXX eastern. That night, I noticed that my credit card had been charged {$660.00} ( so he had added extra '6 ', overcharging me by {$600.00}. When i called Chase Bank, they said the charge was pending and to call back once it posted if it was still incorrect. The next day, the charge posted for {$660.00} so i called to officially dispute the chargeXXXX Two days ago ( XX/XX/XXXX ) Chase called me and said that the driver provided " proof of service '' for the {$660.00}. I then sent Chase my XXXX receipt and they said they couldn't accept it as proof because, at the very bottom, my receipt said, " paid in cash ''. However, I did NOT pay in cash. I clearly paid with my credit card ( you can tell by the vendor name and timestamp of the receipt and charges to my account ). The driver produced a fake receipt claiming that I took a " round trip to and from XXXX New York ''. I have never been to XXXX NY and I can prove that I flew into JFK that night, which is where he picked me up. Chase would not listen to any of this and would only restate that the merchant " provided proof of service '' and that I could try to resubmit the dispute but the outcome would not change. They refuse to help and just blindly accepted this fraudulent receipt from the driver instead of listening to any facts or logic about the dispute. So Chase is helping this driver get away with ripping off passengers, but refuses to support their long time customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: PA
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 consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My late father, who died in XXXX, had 2 telephone line accounts with XXXX XXXX XXXX since the XXXX : a primary residence line and a secondary fax line for his at-home law business. I moved in with him to care for him as he became ill shortly before he died ; after he died I continued making the monthly payments for both lines, but I did n't need the secondary fax line anymore since I do n't use fax machines. Moreover, the fax line was disconnected by an XXXX XXXX XXXX XXXX technician who was trying to fix the primary phone line XXXX excessive static, dropped calls XXXX. I told the technician to just close the fax line account since it has n't been used for a couple of years since my father died. Then I called XXXX XXXX XXXX and told them to cancel the fax account & upgrade the DSL service on the primary line. But instead of closing the account, they just kept billing me for another 2 months. They refused to close the account & instead kept billing me ; for 2 years I paid every monthly bill even though I never used the fax line, and after the tech disconnected it, I closed it then stopped paying the bills. That is where the current debt originated, but it was only my father 's account all along since he alone signed the contract & he alone used the account. XXXX XXXX XXXX then reported it to the credit bureaus under my father 's name over 5 years ago. So not only is the debt not mine, but there should n't be ANY debt at all since I closed that account many years ago. 

Then, about 2 months ago I get a letter from a collection agency threatening to report me to credit bureaus if I do n't pay this debt. I call them, IC Systems, Inc., explain the above and they hang up on me after a heated argument. Then two weeks ago I get another letter offering to settle the supposed XXXX XXXX XXXX debt of {$280.00} for {$84.00}. And a week ago I get a credit alert that a new collection account has damaged my credit profile. So a debt that is n't even mine & is n't even legitimate is now ruining my otherwise perfect credit history. So I go to IC System 's website & pay the {$84.00} in order to end this nightmare & remove the fraudulent collection account from my credit report. But after I make the payment, a get a message from IC System that I still owe {$190.00} on my account!!!! Furthermore, the fraudulent account is still on my XXXX credit report doing severe damage to my credit score!!

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 2019-08-05
Company: EQUIFAX, 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:
A couple years ago while at a theme park I lost my backpack with all of my information inside. I had {$600.00} inside of my wallet, social security card, debit card and some other personal belongings. I did file a incident report back then but can no longer locate it. This is my second attempt to resolve this matter. The accounts are not my accounts I never had so many accounts in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: First Data Corporation
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On Thursday,  XXXX   XXXX ,    2017, I went to pay by check for tires I had put on at   XXXX   XXXX   XXXX   in Rhode Island.    They ran my check through Electronic Check, Powered by Telecheck , A First Data Company.    My check was denied. There are/were more than sufficient funds for this transaction.   I was mortified and humiliated in front of other customers.   When I returned home I called the bank and was informed it was denied by them.   I then called Telecheck and was informed I did n't have an account with them.   Of course I do n't, THEY ARE NOT A BANK OR FINANCIAL INSTITUTION IN MY AREA This should not give them the right to deny my payment without going through the bank on the check.   This is so unacceptable!

Company response to consumer: Closed with non-monetary relief