BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
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:
I noticed some inquiries on my credit report that I didn't Authorize. I need to get them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one says I did not pay on both the credit cards I have with them! 
I paid {$100.00} for each card on XX/XX/2022. It is on my bank statement!!! 

I am assuming they may have been hacked, and if so should be notifying all of us about it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had 2 or 3 misapplied payments at the beginning of this year. And Nationstar stated they was checking into and I was also trying to apply for a modification. However, I was told no to worry bout misapplied payments and they will adjust them with the new modified loan. I recurred the package in XX/XX/XXXX and mailed in XX/XX/XXXX and at the XX/XX/XXXX they stated the lender was not allowing me to re modifify again. By that time I was about 4 months XXXX, I hadappkief for assistance from home save and I mailed my package and I answered or phone back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over 18-months, several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day writt en notice that after th e 180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . All  medical collections m ust be removed immediately by all medical de bt collectors,   and I must be send  a 180-day n otice, so my insurance can work on resolving all claims. REMOVE ALL  MEDICAL COLLECTIONS AS  MANDATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COLLECTION BUREAU OF AMERICA ACCOUNT NO.  XXXX  is trying to collect for   XXXX   XXXX   AKA   XXXX   XXXX   XXXX   XXXX  .THE DEBT IS BASED ON FRAUD OF   XXXX   XXXX  .In early  2015  I ordered   XXXX   XXXX     at a local  XXXX  ; the service was sold to me at $   XXXX /mo.On  the very  1st  bill I discovered there were added surcharges and fees far in excess of the   XXXX   XXXX  /mo.   I h ad agreed to.I called the  company, we tried to have a meeting of the minds ... but they insisted on staying their ground and overcharge me what I  was sold..So I tol d them to come pick up their equipment..I do n't like being lied to when sold a service.We had  3 diff erent appointments at our home to pick up the equipment. XXXX  was a no-show all 3 times and now they fraudulently bill me as if they are selling me their equipment as well, that  XXXX  WO N'T COME GET ! It is stil l sitting at my house.   When I checked the Better Business Bureau It became obvious that this is a widespread financial fraud and that this is  XXXX / XXXX  pattern and practice to defraud holding the negative credit bureau reporting as leverage to extort monies not owed.THE DEBT APPEARS ON  XXXX ,  XXXX  AND  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Credit Protection Association, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 at XXXX ; I relieved in my Post Office Box a post card from Credit Protection Association , LP alleging that a debt was owed in violation of the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: One Source Technology
State: TN
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:
In XX/XX/2019 it was brought to my attention that Asurint was reporting inaccurate information and I am requesting that this issue be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX, I paid {$700.00} to Santander Consumer USA on my car. The amount paid brought my account current. InXX/XX/XXXX I received notice that my car note was behind $ 1500+ dollars, and that I was 4 months late. When I contacted Santander about this issue, I was informed that the last payment they received from me was in XX/XX/XXXX and that I did not pay in XX/XX/XXXX XX/XX/XXXXor XX/XX/XXXX This information is inaccurate, and it still does not explain where the extra 4th month payment is missing from. <P/>I 've spoken with representatives, managers, supervisors and no one can seem to get my account correct. The issue of this account has dated back to XXXX, when I set my account up on a reduced payment plan due to a family emergency. At the time I set my payment plan up, I was informed that it would be good for 6 months, and at the end of the 6 month, my regular monthly payments would resume going into the 7th month. When I noticed that the company was still taking out the reduced payments, I found out that I was to contact the company and request them to change the reduced amount back to my regular payment amount. <P/>Santander Consumer USA has not appropriately applied the car note payment to my principal, and they are not accounting for all of my months payments. I am not the only consumer who is facing this issue. If you check out XXXX reviews, 1.6 star ratings overall is what the company has received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: NV
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:
My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus.. XXXX ,  XXXX , Equifax and asked them to show the case as closed / discharged.      I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all three bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: OR
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:
My XXXX account had unauthorized services added to my plan by an authorized dealer. XXXX refused to reconcile the issue. So I canceled my account, but XXXX  refused to close it until I paid off the unauthorized charges. I submitted proof of billing discrepancies to experian on 2 different occasions, but they refuse to remove it even after seeing the double billing. For example, they added a 6gig data plan for XXXX  extra a month, when my plan was already unlimited data. And I never had tablet, but I was being charged for one.

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 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from th e US Bankruptcy court to all of the credit bureaus.. XXXX , Transunion,  XXXX  and asked them to show the case as closed / discharged.      I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all   XXXX    bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from a debt collector saying i had a debt of utility bills of XXXX XXXX  and pay off the bill about a month later. I was staying in XXXX  on XXXX and a funded XXXX  XXXX  but on XX/XX/XXXX my funding was discontinued and i had to leave XXXX  and stayed with my relatives in XXXX  XXXX. Interestingly, now i am again a funded XXXX  XXXX  in XXXX  and on XX/XX/XXXX i received a letter about the debt and after accumulating the money, i paid of the debt on XX/XX/XXXX. 

However, the debt collector report this to XXXX  but not to XXXX  or XXXX  and because of the report i am denied to receive any other credit card. I had an experience of financial hardship which delays the payment but i paid this off eventually. 

Since, i was not informed before and paid of the debt soon after receiving the letter about debt, i would request to take this collection account off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXX, Online Information 's account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX XXXX and XXXXXXXX XXXX XXXX  XXXX account XXXX XXXX has XXXX my rights. 

XXXX XXXX XXXX Section XXXX A states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-04-07
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: Account status incorrect

Complaint:
i made a complaint against XXXX bank and my complaint was handled very poorly by CFPB i sent alone with my complaint XXXX pieces of evidence that CFPB did not send with my complaint when this was brought to my attention i spoke with a supervisor who thought it was not a big deal well ithink its a big deal i am asking CFPB TO please reopen my case # XXXX and file it the correct way with all information i will reattach my evidence also my complaint against XXXX # XXXX complaint aganist equifax # XXXX complaint against # XXXX i will be uploading my evidence .i also sent a copy showing that i did upload this info to u

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my annual credit report from Equifax by mailing the form on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying I needed to post to them a load of identifying personal info to prove my Mailing and Current Address. Problem is despite my filling out the form as such and the fact that the mail reached me at my current address which is also my mailing address, they've decided that my former residence is my mailing address ( then why did you mail it to my actual address ). Halfway down the letter as they explain all the hoops they want me to jump through to get something that I'm legally entitled to they change it up by saying that my correct mailing address is my mailing address. So then which am I proving? I got the letter hence this is my mailing address, and I live here, pay taxes here, am registered to vote here, and all my credit lines reflect this as my address. Yet, apparently I need to prove I receive mail somewhere I don't to see my credit report? The whole exercise just seems blatantly designed to make them not need to follow the law and instead sell their credit reports as simpler to get. Luckily they've used my signing up for monitoring from their breach to bombard me with adds telling me to just pay them for the report, surely there's no gain for them sending contradictory and confusing letters to add hassle to the actually free option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/31 to withdrawal money from an atm at citizens bank it did not give me my money and took my card I had to go inside the bank to retrieve my card I got a paper that said incomplete transaction I filed a dispute that very day with us bank and now 2 times since they wont request the video from the atm owner I did not receive my money I had to sign for my card to get it back from citizens bank they could request that also but they havent done any of that

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 2022-04-08
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I called XXXX went through the. Automated added up. My charges and found out none of it added up right it said XXXX. And really with adding it should of been XXXX and nothing negative.the XXXX # is NetSpend the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: BANCO POPULAR DE PUERTO RICO
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2022-04-07
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX RE : XXXX XXXX Dear XXXX XXXX XXXX, & XXXX XXXX, I hope you're having a great day. My name is XXXX XXXX, and Ive been a customer of Continental Finance since XXXX. Ive enjoyed doing business with your company, and have had many positive experiences over this time period. 
XXXX writing because when I checked my credit report, I noticed it contains a 30-day late payment posted in XX/XX/XXXX. My credit score has plummeted from a high of XXXX as of XX/XX/XXXX down to it's current low of XXXX as of XX/XX/XXXX. 

I dont want to dispute the accuracy of this report, but I do want to explain this one-time lapse on my part. I recently switched to online billing, and this caused me to accidentally overlook my bill and miss making the payment that was due on XX/XX/XXXX. I recently have been dealing with a Covid-19 financial hardship of having our families personal home sued for Foreclosure by our current lender. 

Recognizing the life-altering power of credit information and the impacts it can have on the less vulnerable. The FCRA and several federally backed agencies are asking credit card companies to work with individuals seeking a one time late payment exceptions for a cardholder that's been financially impacted by the corona virus. 

I was facing the prospect of missing payments as a consequence of income loss during this pandemic. I have since regained my financial footing. I was hoping there would be a good chance Continental Finance is prepared to work with me and remove this one time 30 day late payment. 


Warm Regards, XXXX XXXX # XXXX XXXX # XXXX SS # 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