BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
LVNV Funding LLC is currently reporting a adverse account to the XXXX credit bureaus. At the time of their collection efforts this agency is in violation of Florida state licensing statutes. XXXX XXXX XXXX XXXX states " XXXX registration. 
( XXXX ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' The address this agency on my credit report does not match the information listed on this agency 's license. As such, their license is void, and they are illegally attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: CO
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 the following dates, I wrote and sent letters to the XXXX major bureaus ( XXXX, Equifax, and XXXX ). I received no correspondence from Equifax or XXXX, but XXXX did send me a stall letter, after the XXXX days they are allowed by law, claiming they felt I did not right the previous letters but instead used a company to do so on my behalf. They have sent me this letter multiple times in which I have responded to them that I am the person sending the letters and have included my driver 's license with each letter. The other XXXX bureaus, Equifax and XXXX, just have not responded to my claims, they have not corrected any inaccurate information on my credit reports, or provided me with any proof of accuracy. XXXX hasn't corrected any errors or provided any proof of accuracies either. Please note the dates below that I have sent all XXXX bureaus requesting to investigate negative/inaccurate information on my credit reports. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I will be sending them letters again today demanding they do what is legally required of them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: CO
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 the following dates, I wrote and sent letters to the XXXX major bureaus ( XXXX, XXXX, and Experian ). I received no correspondence from XXXX or Experian, but XXXX did send me a stall letter, after the XXXX days they are allowed by law, claiming they felt I did not right the previous letters but instead used a company to do so on my behalf. They have sent me this letter multiple times in which I have responded to them that I am the person sending the letters and have included my driver 's license with each letter. The other XXXX bureaus, XXXX and Experian, just have not responded to my claims, they have not corrected any inaccurate information on my credit reports, or provided me with any proof of accuracy. XXXX hasn't corrected any errors or provided any proof of accuracies either. Please note the dates below that I have sent all XXXX bureaus requesting to investigate negative/inaccurate information on my credit reports. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I will be sending them letters again today demanding they do what is legally required of them by law.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX

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 2022-06-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This complaint is with TransUnion. TransUnion wrote a statement saying they verify bankruptcy through LCI/bankruptcy courtXXXX. I wrote them back after that with copy '' s of all three LCI/Bankruptcy court letters stated they do not verify. XXXX couldn't verify so they deleted the bankruptcy from they report. I sent that in as well. 30 days later TransUnion send me a letter stated that my letter along with supporting documents and proof of my identity seem like a third party sent information in and not myself.

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 2017-09-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a Home Equity Line balance with this lander and was supposed pay {$98.00} interest this month from the checking account of the same lander, but checking account had only {$78.00}. Because of this insufficient money of about {$20.00}, they charged me the following : XXXX/XXXX/XXXX {$35.00} XXXX/XXXX/XXXX {$30.00} XXXX/XXXX/XXXX {$30.00} XXXX/XXXX/XXXX {$30.00} XXXX/XXXX/XXXX {$9.00} This is just an example how this lander always over charged the customers for different products. I can give more examples how this lander always over charge the customers for another product such as for Home Equity account. 

I think it needs a through review of this lander 's business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: IL
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:
Equifax had a data breach that lasted from midXXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

On top of that, allegedly Equifax executives sold their stock in the company before the information became public which allowed them to cash out before the bad news came out publicly ( possible insider trading? ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
From last year XX/XX/XXXX onwards Equifax is withdrawing {$22.00} from my chequing account on the XXXX of every month XXXX and I found out about it only in XXXX. so I called them and told them that I did not do any business with them to or authorise anthing to be withdrawn from my account at all, I called my XXXX XXXX  regarding this and they said they put a stop payment and going to dispute wtih them as they could not solve it I thought they might have put a stop payment and i called Equifax to enquire about it couple of times in the month of XXXX and when I saw the same withdrawel from my account the same amount for the month of XX/XX/XXXX I called them and they did not answer me properly and hang up on me, And I told them that they can steal money from my account but could not solve the problem or find the reason for the withdawel, i am very upset, XXXX and due to pendamic I am unable to work and this big company is withdawing the amount from my account without a reason. so kindly request you to investigate and ask them to pay the compansation and stop withdrawing money from it to. 

Yours Truely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX XXXX XXXX ; I have checking, savings, and credit card accounts with Navy Federal Credit Union. 
I received a postal money order in payment of services rendered. I took the device to the local branch of Navy Federal Credit Union where it was cashed for me. 
Yesterday I received a letter from Navy Federal Credit Union stating that the device was returned unpaid to Navy Federal Credit Union by the paying financial institution. 
Navy Federal Credit Union deducted the amount of the postal money order from my savings account and charged me a returned check fee of {$15.00}. 
Navy Federal Credit Union should have taken the issue up with the financial institution which issued the postal money order ; I had nothing to do with it. I received it in payment for services which I had rendered and Navy Federal Credit Union accepted the postal money order and cashed it for me. 
Now, in effect, they have stolen money from me to pay since the issuing financial institution did not honor the postal money order. 
This is not my fault, and Navy Federal is bullying me when I am not responsible. 
I am asking for help in obtaining relief from the bulllying of Navy Federal Credit Union and the return of the money which it has stolen from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Public record information inaccurate

Complaint:
My file is still not updated correctly. This Court file number : # XXXX for eviction proceedings is still on the last report you provided me on XX/XX/22. It should have been deleted as well. I was never evicted from that property. And that case file number also does not exist in XXXX XXXX XXXX county case system as well. Please run a check for yourself. Please update your records accordingly. It is illegal to show evictions that did not occur

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Flagstar Bank, N.A.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home and the loan was sold/transferred to Flagstar Bank within a month or so. Rather rather than make the regular payment of XXXX each month, I chose to pay {$500.00} each week which I thought would be applied to the mortgage balance on date of receipt and help reduce total interest paid and result in paying the mortgage off sooner. See mortgage statement in attachments whichwas pulled from the XXXX website. I received a notice that they had not received payment. I called customer service and they applied the payments on the day I called, not on the date the payments were received. 

Is this legal? Can they hold payments that I send to them without crediting my mortgage? 




Date Description Total Amount Payment Principal Payment Escrow Payment Interest Payment Fees/Other Charges Payment Suspense Principal Balance Escrow Balance XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A company is charging me for something I have no idea for what. The company is what is read XXXX XXXX  my statement called " XXXX '' for the amount of XXXX on XXXX XXXX 2017. I do n't know this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Yes the debt from LVNV funding is still showing as not paid 2 years after having my wages garnished in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, SLS, did not pay my XXXX county property taxes, despite me paying escrow every month. I was never informed of the nonpayment, and I just found out ( XX/XX/XXXX XXXX on my own accord that I am delinquent and owe {$5100.00} in back taxes ( which is {$680.00} more than the original tax bill of {$4500.00}, because of late penalties ). For background, I purchased the house in XX/XX/XXXX and another company ( XXXX ) originally held the loan. The loan was transferred to SLS, effective XX/XX/XXXX. Taxes were due XX/XX/XXXX. As a side note, SLS did provide me a {$4500.00} " refund '' via U.S. mail in late XX/XX/XXXX ( after SLS had conducted its annual escrow analysis of my account ). However, the only context SLS provided about this refund was that the payment was because of an " escrow overage. '' Again, at the time, they were unaware they had never paid my XXXX taxes. Phone records will show that I called SLS after receiving the check and asked what it was for. I asked the representative two or three times if I owed this money to the government and he said no, the money is yours ... it's just from an overage. To reiterate, at no point did SLS or the representative inform me that the {$4500.00} overage reimbursement was for taxes. When I spoke to SLS a few days ago ( XX/XX/XXXX ), they were surprised to learn they had never paid the taxes from XXXX. They have since paid the back tax bill, covering only the fees. They charged me with the principle, which I now have to pay as an escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX  1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a deferred interest purchase with XXXX through synchrony bank on XX/XX/18 for {$400.00} for 12 months. The initial draft, drafted too much as I had my payment set to XXXX per month. So they issued a credit for the amount over drafted by check, but also issued a credit to account and turned around and charged account for same amount. This caused my account to accrue interest every month since then, which they have credited back to me upon calling to request. But they wont fix the account so that I dont have to call every month and spend upwards of 30 minutes on the phone each time with them. I requested a {$10.00} credit to account to cover interest charges and they denied. My time is valuable and I should not have to call and explain the same thing month in and month out. This has been going on for 3 months now.

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