BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was once a memeber of Navy Federal back in XXXX, I went out one night in XXXX, FL ( the biggest scam city ) and someone started depositing fake checks into my account and making transactions. I XXXX everything down like I was supposed to and contacted navy federal immediately. An investigation was open but no one ever reached out to me about my case I found out that my account was closed and that I would be left with the {$500.00} balance In order to get my bank account back. I have been reaching out to the bank for years and still nothing but I am responsible, I havent had a bank account since because Im too afraid and it seems like I cant get one. I also was able to request the fake checks they were sent to my house just to show as proof that this isnt my handwriting. Im XXXX XXXX XXXX and its sad to say but I dont even know how to write a check. I just want my bank account back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was aggressively pursued by a deputy who came to my place of employment to serve me with papers for Debt owed that I am unaware of or the Debt owed is well beyond the Statues of Limitations for the State of LA ( 3 years ). LNNV Funding is stated as the company owed in the papers received with XXXX XXXX  XXXX collecting the debt on their behalf. 

I have never been contacted or received paperwork in the past to indicate this debt was owed yet I have been humiliated in front of my fellow coworkers by being served by a Deputy I have in the past deputed with XXXX Credit Bureaus the information on my record only to be harassed by the 3rd party collectors who are collecting for these companies. 

The paperwork ask that I ay {$7400.00} plus 5.75 % interest from the Date of Judgment - XX/XX/20 plus 25 % principal and Interest and all court costs subject to a credit of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Bank of America Corporation was sent the documents attached below. They were instructed in the Cease and Desist NOT to close the consumers credit account and they willfully and knowingly decided to do so.

Bank of America Corporation is in violation of multiple federal consumer laws, all listed in the Unsworn Declaration of Truth.

Bank of America Corporation is willfully and knowingly violating these laws which makes them CRIMINALLY liable pursuant to 15 U.S. Code 1611 and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

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 2015-03-26
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a plumbing leak in my hall bathroom. I contacted my homeowner 's insurance company XXXX XXXX XXXX XXXX and filed a claim. Today I have found out that the check they issued is to me and Seterus, the mortgage service. In order to cash this check to complete the repairs to my bathroom I need Seterus to endorse the check. Upon contacting Seterus, they said we need to file a claim with them for the plumbing and water damage as we did with our insurance company. They will send out paperwork to be filed out by us and to allow 5-7 business days for us to receive the paper work. Then we need to send them back the paperwork along with the check so they can endorse it. Once they have received our claim and the check, we need to allow them 3 more business days to review our claim and endorse the check. Then they will mail it back to us and we need to allow additional 5-7 business days to receive it. This process which was started on XXXX XXXX with our initial call to the insurance company and has already taken 3 weeks and been extended by an additional 4 weeks because of Seterus, the mortgage servicer. I have no guarantee that I will even receive everything back by the week of XXXX XXXX. In the meantime we do not have full use of our hall bathroom for now a minimum of 7 weeks plus whatever the amount of time for contractors and plumbers to be able to repair the pipe, walls and tile. This is an unjust way to do business and I feel the practices of Seterus need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Lionstone Holdings Group
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They called twice to serve me with legal papers unless i contacted them. They want more than what the loan was for and if it was n't paid they would take " action against me ''. 
The deadline came and went nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. Someone stole my personal information and identity. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent.

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 2022-10-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under XXXX XXXX of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.

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 2021-07-28
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Set up a payment plan with XXXX XXXX which they have started to receive payments and they still decided to report the collection to the credit bureaus, which also states I owe the full amount which would be INCORRECT if a payment plan was setup. They are double dipping at this point. They are reporting a loss of an amount to the IRS but also collecting that EXACT same amount from me via a payment plan. When I called the response was simply sorry. This is not acceptable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America extracted {$500.00} from a joint checking account I have with my daughter. They did this with no warning and paid it into a separate checking account I have with BofA. That account was overdrawn, which I was aware of and intend to pay. My financial woes began when my ex stopped paying child support last year. I 'm struggling to make up the difference and am in the middle of a refi, which will resolve my issues. BofA is refusing to put the {$500.00} back into the joint account so that I can use it to pay my mortgage. This was my daughter 's paycheck money. I have had the account that is now overdrawn with them since XX/XX/XXXX. The joint account was opened in XX/XX/XXXX. We are longstanding customers, and our situation is an aberration. I never signed anything that said that I allowed BofA to take money from one account and put it into another! I want the money returned to the joint account immediately. This action is jeopardizing my financial future, as I must pay my mortgage in order to qualify for the refi. This is a harmful tactic that should not be legal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
After several unsuccessful attempts during the last 18 months to resolve inaccurate information listed under my name and Social Security Number with Lexis Nexis, on XX/XX/2021, I wrote a formal letter challenging the accuracy of a Bankruptcy Chapter XXXX item in my report along with a letter from California Bankruptcy court indicating they are not the furnisher and original source of the item to Lexis Nexis. 
I certified mail my letter on XX/XX/2021, and as evident in the attached receipt confirmation, they accepted my letter on XX/XX/2021. 
As of XX/XX/2021, I have not received any update on their investigation into this item. I have contacted them 3 times in regard to them investigating this item in my report and their failure to complete their investigation within the permitted 30 days allowed by FCRA, and yet they request to call back the next day or simply hangup when I refer to the permitted time by FCRA to complete their investigation.

Lexis Nexis Risk Solution is clearly in violation of my Fair Credit Reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Resurgent ( LVNV ) has 3 accounts for me. Two of the accounts ( XXXX and XXXX ) are incorrectly labeled as owed and should not appear with their firm. The first, XXXX XXXX XXXX account ( Resurgent ID:XXXX ), displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Charge Off Balance : {$520.00} with a Current Balance : {$930.00} ( total debt ) ; which has been charged off meaning I do not owe this amount nor any amount to date since it has been completely charged off since it has been over two decades ago. 

The second, XXXX XXXX account ( Resurgent ID:XXXX ) displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX with a Current Balance : {$760.00} ( total debt ) ; which should have been charged off meaning I do not owe this amount nor any amount to date since it should have been charged off by now and is over two decades old. 

The third ( XXXX XXXX XXXX  ) is still in dispute concerning any debt currently owed. I would like for this firm to correct their records to reflect the above information and have {$0.00} balance for two of the three accounts noted above based on the above information which is true and correct to the best of my knowledge. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX XXXX, I found XXXX XXXX charged several purchases to my Chase credit ( ending in XXXX ) with the receipts not my name/address, but to another person.I reported Chase to deny these charges, Unfortunately on XXXX. XXXX Chase rebilled me again to my newly issued card ( ending in XXXX ) without my permission. 
On XX/XX/XXXX, XXXX XXXX from Chase called me asking me if somebody stole my credit card. I told her I am unaware if the credit card number had been stolen, Especially I was in XXXX from XXXX, XXXX until XXXX XXXX, XXXX, still showed 5 charges in my statement with the receipts not my name /address, but to another person. I never give permission to XXXX XXXX to do in this way, Chase should be credit back to my credit the amount. 
On XX/XX/XXXX, Supervisor XXXX from Chase called, she said she couldn't give me her last name, and her Chase employee number she said she has evidence of my physical card being inserted into the chip reader, I told her even if my physical card was used, the receipts provided by XXXX XXXX  show the purchases were done by another person and a mailing address that is not mine. She forced me to pay all of the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: General Motors Financial Company, Inc.
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i sent gm financial a certified letter on XXXX/XXXX/16 in which they received on XXXX/XXXX/16 tracking number XXXX they have failed to respond to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Not only did i not receive written notice but after contacting the creditor they did not send details about the alleged debt including : - Explanation of what the alleged debt is for - A calculation of this balance, including the complete payment history on this account, so that I have proof that the amount is correct. 
- Documentation that shows I agreed to pay this debt, including signatures. 
- The agreement that grants them the authority to collect on this alleged debt. 
- A copy of their state license, including license number. 

They are in violation of my rights as outlined within Section 809 of the FAIR DEBT COLLECTION PRACTICES ACT. Please remove the alleged debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: IN
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$5400.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a credit card company, Capitol One, that is suing me for a credit card that was not my account. I began by filing a fraud affidavit for this company, to later be notified that a trial is beset for this credit card that has been fraudulently established in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Park Hill Holdings
State: TX
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 submitted an application to rent an apartment with XXXX XXXX XXXX in XXXX, MA in XX/XX/XXXX. I was told that there would not be any hard credit inquiry on my file. However I noticed a hard credit enquiry which affected my score on XX/XX/XXXX. When I contacted the leasing office they said the inquiry would go away. 

The inquiry is still present in my Credit report as of today ( XX/XX/XXXX ) and when I contacted the apartment leasing office to get the inquiry deleted, they provided me the details to contact CoreLogic, the agency that does credit checks for XXXX XXXX apartments. I contacted CoreLogic and they say that they have only processed the request from XXXX and they are not responsible for the hard inquiry. They could assist me in deleting the inquiry if XXXX request them by sending a letter of deletion. 

Again when I contacted XXXX, the officers in XXXX deny any responsibility for the credit inquiry and also said they would not be able to make any such requests to delete the inquiry. I have provided my SSN details in the application to XXXX and not CoreLogic, and my Credit report is being accessed in a way that I did not consent to. 

I request the concerned authorities to look into this grievance and please do the needful as presence of that hard inquiry on my report is affecting my credit history and score, and has a potential to affect my interest rates as I'm planning to apply for a home loan. 

I have attached the e-mail communication below as a file. 

XXXX Address : XXXX XXXX XXXX, XXXX, MA XXXX Phone # : ( XXXX ) XXXX E-mail : 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 2020-03-30
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email notice regarding change in my credit score. In reviewing, I saw that a business called Receivables Performance reported on XX/XX/2020 of a Derogatory Account in the amount of {$1600.00}. 

I have no idea who this collection agency, Receivables Performance, is or what the debt is in regards to. However, their dirty deeds and fraudulent acts is causing my credit to drop. 

I have not been given proof that Receivables Performance is authorized to contact the credit bureaus or collect anything from me.

Concerned, 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 2016-12-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Loan was fullfilled and paid off XX/XX/2016 with Nissan Motor Acceptance Corp., confirmation letter received from Nissan that this loan was satisfied in full and they would be issuing a release of lien to the XXXX. However this still has no taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I accepted a Covid related Forbearance and when I tried to end the forbearance Flagstar has been extremely difficult to deal with and their behaviors are almost identical to the ones described in the action taken against Flagstar in XX/XX/2014by the CFPB where they were fined XXXX XXXX dollars. They have given me the run around on my loss mitigation application, given me mixed messages, not returned many calls, repeatedly informed me documents were missing which were not missing or needed new steps taken that were not previously requested such as circling numbers on a bank statement, signing documents in the margins, not believing me that electronically uploaded documents had " wet '' signatures, asking me to remove my wages from the application with no clear explanation for doing so, changing my status to unemployment without my request and incorrectly, closing the file and making me start over etc. eventually 6 months later they offered me a " trial plan '' and told me my only options were to pay the sum in full or take a refinance/loan modification that would add ten years to my loan. They refused to speak to my lawyer repeatedly saying they couldn't find the power of attorney document I had submitted or leaving him on hold and disconnecting the call. They informed him he needed to submit an appeal document then no one reviewed the appeal or returned any requests to speak to him or myself about the appeal. As I write this I am also on hold with Flagstar for over 40 minutes for the 4th time in 8 days. I have requested the missed payments be deferred to the end of my loan repeatedly for 12 full months and been ignored or redirected to the loss mitigation process. I am now being told the loss mitigation process will not allow for a deferral and it is a different process if I want a deferral but they can't tell me how to know if I qualify for a deferral without cancelling the loss mitigation application so if I don't " qualify '' I would have to start over AGAIN. I have had to submit a total of 4-5 loss mitigation applications in the past 12 months. We also had two different things begin to happen right after we obtained a lawyer. They began sending someone to our house to check if we were living there repeatedly. They also suddenly " accidentally '' had my husband and my social security numbers leaked and our identities placed at risk. We have spent over a hundred hours and 80 plus phone calls as well as uploading dozens of documents repeatedly.

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