BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: Resurgent Capital Services L.P.
State: AR
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 recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included LVNV Funding, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, XXXX, LVNV Funding, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, XXXX, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or LVNV Funding has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Northwood Asset Management Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Called my office attempting to collect something for XXXX which I assumed they purchased tried to force me to verify my social and dob which I will not give over phone continue to contact me at office which I said I could not be contacted there regardless now they continue to call with automated dialer From XXXX area code. Harassment for something Im not even sure belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have 3 hard inquries from XXXX  which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX  Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX Inquiry from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.

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 2020-07-28
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was alerted by my credit monitoring service that a collection account was added to my XXXX  and XXXX  credit report. I do not recognize the name of the company AFNI or alleged debt. On XX/XX/XXXX they also added I was120 days past due and the account was opened on XX/XX/XXXX. I have never been contacted by AFNI by phone call or letter regarding any alleged debt owed. I have absolutely zero information regarding them and for them to report to credit agencies I owe money without providing me validation of this debt is fraudulent. I have the right by law to respond and/or dispute any attempted debt collection and I was never contacted or given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were supposed to close on the XXXX of XXXX but USAA kept making excuse as to why the closing had to be delayed. They would ask for More documents Almost everyday despite us providing all documents required for the loan. So the closing date was pushed to XX/XX/XXXX. And i do not believe they are honoring their contract by this date. No call or informing the title company of this action. They are breaching their contract with us. On XX/XX/XXXX they sent us the closing disclosure but since then no action has been made. They have made us pay for an appraisal, made us obtain wind, hail and homeowners insurance to be effective on XX/XX/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 2020-05-11
Company: EQUIFAX, INC.
State: AR
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 recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, Equifax, XXXX XXXX, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, Equifax, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sentry Recovery & Collections are falsely reporting debt for an apartment that I never lived at which is now hindering my ability to move because it shows an eviction status. According to XXXX XXXX it was from an apartment called XXXX XXXX XXXX XXXX for a short time in XXXX for a total of {$980.00}. I do not know who Sentry Recovery & Collections or the company that they are representing. There is no way possible I had those two places at the same time. My identity was stolen. I tried to contact the company directly multiple times by showing proof of where I had my utilities installed to show 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 2020-06-29
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Failed to provide me with how they verified an alleged debt when requested and are in multiple violations that go against the FCRA. They said they verified the debt, how? Did they get on the phone call? According to the FCRA, all reports have to be reported correctly, that's a violation and grounds for deletion. 609a, 1, A and sec 611a, 1, A No Contract with my signature on it. Comply with sec. 111, 5, A FCRA and DELETE that non-valid account immediately or a lawsuit will pursue.

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 2021-05-28
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
( brief ) Today, I received a call from XXXX. She didn't identify herself and immediately was asking me to confirm my identity. She asked to confirm my name? ( she provide it XXXX. I inquiry about reason of the call. She said she was from XXXX and proceed to ask about my last 4 of my Social Security? XXXX she provided the numbers ) I didn't confirm, instead I asked her about who she was and reason of the call and I continue asking. She hung up. 

I contacted XXXX, they clarify she was impersonating an agent ( they didn't call me XXXX. He gave me some recommendations. I decided to file a report to the Federal Trade Commission and followed their recommendations. I contacted XXXX  and then I did a number search. The XXXX is showed under AMSHER COLLECTIONS. Location : XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX. Phone : XXXX. I decided to review my XXXX  credit report and for my surprise, I find it under Inquiries : AMSHER COLLECTIONS. I filed an FRAUD ALERT. PLEASE, BE AWARE!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
NFCU made false threats regarding loan repayment. RE : Improper Debt Collection Practices and Civil charges against NFCU, reported XX/XX/XXXX.

I just found out Today, XX/XX/XXXX, that a suit was brought against Navy Federal Credit Union regarding false threats against debt collection. I originated this signature loan in XX/XX/XXXX and fell behind when I lost employment and had, and still have, reduced income. I am now considered " low income '' - my monthly income is about {$950.00} at this time.

NFCU froze all my electronic access to my online and other accounts.

I am still making a monthly payment. I am in process to renegotiate a settlement amount if possible.

I was never offered, never received a letter, that says I am " eligible for redressable payment '' or was never offered a payment regarding this lawsuit. Am I eligible to receive the {$1000.00} payment? NFCU never offered me any type of payment, even though I have been " harmed '' by their false threats between XX/XX/XXXX and XX/XX/XXXX and they still to this day have frozen my account access.

Am I included in the affected members in this civil action?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
contacted Navy Federal in Early XXXX to confirm travel notification and that my credit card with " no foreign transaction fees '' will work during upcoming trip to XXXX. 
was told it will work, and to put the alert on via the website. did so for both the credit and debit cards. 
the debit card has a foreign transaction fee. 
the credit card will not work. 
i have tried numerous times to contact navy federal while abroad, and they tell me they can not assist me because there is a country sanction from office of foreign asset control. 
why does one card work, and not the other. 
why is it the card with foreign ttsnsaction fees that works, and not the other. 
it feels as though they are steering transactions towards the card with higher fees.

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 2018-05-04
Company: RentDebt Automated Collections, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RentDebt has violated 15 USC 1692 by continuing collection activity after a cease and desist 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 2020-02-05
Company: EQUIFAX, INC.
State: AR
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 want to refinance my house, but mortgage banker informed me that my had some negative items on my credit report. I need theses items because they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Company Rausch Sturm LLP has sent numerous letters in an attempt to collect a debt that as a consumer I do not owe. several times they have brokenthe law under 15 U.S.C 1692d.

Their Phone number comes up different everytime they contact me but the one that I have for them is XXXX. This has been a nightmare and I would like for them to stop or my next step will be to call the FTC

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 2020-05-12
Company: DISCOVER BANK
State: CA
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:
There were several unauthorized charges made on my Discover account at the end of 2019. As soon as I learned this, I instantly froze the account and contacted Discover.  They assured me that consumers are never responsible for unauthorized purchases on their accounts. Several of the charges were found to be fraudulent, so clearly the account had been hacked. However, there are three remaining charges that I am still being charged for, although I did not authorize them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: PA
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 summited an issue where an account was reporting more than once and i have a look into the matter and it was not fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: LEXISNEXIS
State: NY
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:
I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave XXXX my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Case # : XXXX I received the attached letter from Wells Fargo. Obviously it has something to do with the CFPB settlement. I have called the number that is on the letter and all I get is the run around. No one knows where the letter came from when I do speak to someone.

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 2021-07-16
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:
on XX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report and to this day which is well over 60 days, I have yet to receive a response. At this point I feel like my issues aren't being taken seriously and I feel completely disrespected in regards to my disputes. I know that things are moving slow due to COVID but the law is the law and I should have received a response by now and since I haven't all those inaccurate items needs to be removed from my account immediately or we will be heading to small claims court which I have no problem doing. My information was apart of the equifax data breach and could have been placed into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: NC
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:
In the Spring of 2019, I was forced to abruptly move from my apartment due to an a series of unexpected health setbacks. During my tenancy, my utilities ( electricity and gas ) provider was XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). During my transition to a new home, XXXX was absorbed absorbed by another power company, XXXX XXXX. 

While tying up loose financial strings after the move, I noticed that both companies, XXXX XXXX XXXX and XXXX, and XXXX XXXX, were reporting on my credit that I owed a past-due balance in the amount of {$180.00}. I immediately logged onto the the website of XXXX XXXX XXXX and made a payment using my previously established credentials. 

At the same time, I filed a dispute with the Equifax Credit Bureau notifying them that the utilities account was listed twice -- once under each company. I mistakenly assumed that the duplicate listing was an oversite that would easily be corrected. I was dismayed when I received the updated results keeping both tradelines on my credit report. This updated reporting seems to be a willful and malicious violation of the FCRA. The current reporting makes it seem like I have two separate derogatory accounts with this company. I would like this taken care of as soon as possible and and I will contact everyone I am able to, including the South Carolina Attorney General, to get this satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: U.S. BANCORP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call XX/XX/XXXX @ XXXX from a private number. The caller stated that she was with XXXX County courts and was calling in regards to a civil suit involving US Bank. When I began asking for specific information about this case she provided me with a phone number and reference number as follows XXXX ( XXXX ) XXXX Reference # XXXX. The caller then proceeded to transfer me to the agency. When the agency answered the phone I provided them with the above listed reference number. I was transferred to a woman named XXXX XXXX. XXXX proceeded to tell me that this case was in regards to an account that I had in XX/XX/XXXX with US bank. She stated that there were 2 separate checks written that totaled the amount of {$2300.00} and that with collection fees and attorney fees the total now exceed {$3000.00}. I then asked XXXX what agency she was calling from and she refused to provide the information. I asked XXXX for an address in which I could mail an inquiry letter and she stated " we are a national company so you are not able to mail however I can provide you with a fax number ''. During this conversation XXXX began to raise her voice and cut me off while speaking. I requested to speak to a supervisor and was told that I could not. When I asked why I was not able to speak to a supervisor XXXX informed me that she was the supervisor. At this time I informed XXXX that if she was not able to provide the information that I needed that I would have to contact a lawyer. At this point XXXX hung up on me. 
After I got off of work at XXXX I called the agency back. A gentleman named XXXX answered the phone and after providing him the reference number XXXX informed me that XXXX had left for the day and would return tomorrow. I asked to be transferred to XXXX 's supervisor and he stated that XXXX 's supervisor was also out of the office. I asked for XXXX 's supervisors name and he stated that he was not permitted to provide this information and hung up on me again. Both instances in which I was hung up on there was no warning regarding termination of the call. I have since been calling the above listed number multiple time XX/XX/XXXX and have only gotten answering machine. The message that is recorded does not provide information on what agency I have called and I am unable to leave a voicemail as the mailbox is full.

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