BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We/ Daughter had moved out of an Apartment At XXXX XXXX in XXXX Ca XXXX We thought our daughter paid the last rent, which she did not, I XXXX XXXX went into the apt office and paid it in person had the manager initial the payment made, however they had already reported this to XXXX XXXX for collection, upon them calling me I told them that this had been paid and to contact XXXX XXXX , I sent them a copy of the Check that had been initialed fast forward almost one year doing a refi and this pops up on my credit score, i had an 800+ credit score before this and am really upset that this in on my report now There manager XXXX XXXX was very rude and I lost my temper with her, at that point she said Im going to just file this as a non payments, I called the apt complex and they said they would fix this and they could not just file a complaint because they were paid Thats it, i have cancelled check from last year, i have initialed check from last year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX   damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.

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 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : I SHOULDN'T HAVE ANY LATE PAYMENTS ON THIS ACCOUNT - NEVER LATE! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After several months of disputes with the Transunion there appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Transunion continues to report these accounts on my credit report. I've never owned any credit cards with XXXX  XXXX XXXX, The XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Transunion should be held accountable.

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 2018-07-31
Company: Experian Information Solutions Inc.
State: CA
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:
On Monday, XX/XX/XXXX I received a notice in the mail from Experian alerting me that " within the last 30 days, changes to your name, address or Social Security Number have been reported to us by a creditor. '' This notice was sent pursuant to my request to place a security freeze on my account. It listed phone numbers and a web address to obtain a personal copy of my credit report. The phone numbers listed, as well as several others found online, led through a maze of recorded messages that would not allow me to request a copy of my report or to speak to a human for further information. Online, I logged into my Experian acct, requested a copy, and received a message that " a condition exists that prevents Experian from being able to accept your request at this time. '' I found a different page on the Experian website with an address to request a copy via mail, but no information whatsoever on what to send to make that request. I then logged onto XXXX and tried to retrieve my report there. I received an error message when requesting a report from Experian, which included the same phone numbers I had already tried. Those numbers do not lead to an option to obtain a credit report, other than referring callers to the webpage. I then tried to request a copy from XXXX. I again received a message that this request could not be processed online, though the Equifax page at least included a link to a form that could be mailed in. However, that link goes to a form which is not downloadable as a .pdf or any other format I can print and fill out, as far as I can tell : XXXX XXXX XXXX. 

I am unclear how I am able to obtain a copy of my annual credit report from any of the three major agencies. 

Additionally, I am concerned that there was at least one typo in the letter from Experian and the letter head looked less than official - red flags that it is not genuine.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent letters to all 3 credit bureaus stating that i did not recognize any of the inquires on my credit report and dont know where they came from and i also explained my information was exposed in the data breach and forwarded accounts and inquires that were not done by me. when i call they say they dont have any of my paper work on file

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 2018-07-31
Company: Allied Account Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent me an electric bill in XXXX for a bill in a house in XXXX NY. I told XXXX that was not my bill and they asked for me to send a letter to their XXXX XXXX XXXX NY explaining this. I sent a letter asking them to pull deed or lease info on file and sent my license with my current address, and I never heard back from XXXX. I have NEVER owned or rented a home in XXXX. I have resided in XXXX since XXXX. XXXX never contacted me back since XXXX and now they sold my account to a collection agent without any information sent to me. THIS IS NOT MY DEBT AND NEEDS TO BE REMOVED AND CLOSED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For 3 1/2 years I have been depositing the same check amount on the same date. Every time I deposit it they put a 10 day hold on it for NO Reason. The account it is coming from is my business partner, the account has 10 's of thousands of dollars, it has never bounced. They can not give me a reason. I have spent hours and hours on the phone and in their office to try to get fixed. They say they will get it fixed, but never do. On XX/XX/XXXX the deposit was made and on the XX/XX/XXXXthey send the funds were available, We paid some bills on XX/XX/XXXX including IRS taxes due. On XX/XX/XXXX the XXXX they sent us an email saying they were going to put a hold on the funds and our account was {$1800.00} in the negative, even though the funds were there on the XXXX. As of today the XXXX the funds are still not available. This has caused us numerous problems and headaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted an investigation request to XXXX  and Trans Union on XX/XX/XXXX. They were supposed to respond with the results of my credit investigations within 30 days but they have not.

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 2018-03-12
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my home loan with Ditech Financial. The agent who took my information ran my credit report before he told me i had to be occupying the property i was attempting to refinance first. 

I need Ditech to remove the inquiry from my credit report because i feel they were not honest with me up-front concerning their financing policies.

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 2020-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an online account in my name. I have sent letters, called ( I can't answer security questions because I did not set up account ) I have a police report for this fraud, sent an identity theft letter x2 and get no response. They just send me bank statements. 
USSA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX I have never served in Military I did not open this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Navient Solutions, LLC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Receives career loan on XX/XX/XXXX in the amount if {$2800.00} at 12.5 % interest and still paying this loan today, XX/XX/XXXX, 14 years later with a balance of {$1900.00}. 

I would like this company 's accounting practices investigated because I don't believe that navient is accuratly managing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Debt Relief Center
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
It is a scam to collect personal information. After they realized that I was not gullible they said it was a mistake and they promised to remove me from the mailing list. I will send the notice of debt as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen loan servicing will not let me make my payment. I have tried repeatedly! On Friday they would not let me pay it over the phone. They said they would call me on Monday and didnt. They called me tonight and said that if I had answered the phone yesterday I could have paid over the phone but now I need to go to the bank and get a certified payment and they would allow me to make one months payment. Im not kidding they will not let me pay my payment. And this has gone on for months. And, they said that my account rolled into foreclosure today even though I tried to reach them for the last several months. 

Tonights rep was especially arrogant and rude He claims to be XXXX XXXX, # XXXX. 
Ive also dealt with XXXX and ... XXXX?? 

I can never, ever reach the agent who was supposed to be assisting me that they assigned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: WA
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 has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, Equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The letter below is what I sent to Transunion requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by Transunion. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,

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 2020-08-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Year XXXX I had went into The XXXX XXXXXXXX Navy Federal Branch. I spoke with the teller and asked them that I am planning on paying of my Equity line of credit ( approx. {$87000.00} ). I specifically ask them that I have 3 accounts that were charged off and if it was going to affect me in any way, she had said no. I then asked if i should wire the payoff from my other account, the teller ( female ) had said since I am depositing a Navy federal check to my Navy federal account, it would be available the next day, it was be easier to transfer to the equity. 

Up to XX/XX/2020, I have now deposited over {$80000.00}. I log in to my account approx on XX/XX/XXXX and noticed transfers that was not authorized by me. I called the customer service and they have said it the three transfers were made to PAY OFF THE CHARGED OFF ACCOUNTS. I explained to them that I visited the branch and spoken to a banker that these funds are meant for my equity, they did not want to hear it from me. I asked them to reverse the transfers and use them accordingly to pay off the equity, they again said there is nothing they can do. 

On XX/XX/XXXX, I decided to go into the branch and remove all my funds as I did not want them to use the rest of my savings and money unlawfully. They advise me that my account has been restricted! XXXX, from thXXXX XXXX XXXXXXXX CA branch ( XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ) was suppose to call me Monday XX/XX/XXXX to release my account. I have not received any calls, emails, or messages. 

How can Navy Federal take funds from my SAVINGS and checking to use them however they please. I am sure they have violated many laws and regulations by doing so. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is 100 % re-aging a very old debt in violation of Federal Law and they're continually reporting this to all credit bureaus.

Company response to consumer: Closed with explanation