BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: BANK OF THE WEST
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have three late payments on my auto loan that have been taken to collections. I moved during this time and never received my bill for all 3 months. My mailing address was changed with USPS but Bank of the West refused to deliver the mail. All three bills were sent to USPS and I never received notification that they were at the post office. I tried calling Bank of the West during this time to pay my bill but was put on hold for an hour each time and disconnected. I now have 3 late payments in collections. Bank of the West apologized for the inconvenience and said that if I called the credit agency they could remove them from my report. I called the credit agency and opened a dispute but have received no further follow up. I need to have all three late payments removed from my credit report please. The payments for all 3 months have all been made at this point. Thank you.

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 2015-09-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There really is n't anything like what I 'm dealing with listed for me to choose from. So I chose " incorrect information on my credit '' because it is the closest thing I could find. Equifax has been dropping my credit score with no good reason lately. Not just a little fluctuation either. I have no collections, excellent credit card utilization and excellent payment history, yet EquiFax dropped my credit score XXXX points in one week!!!! I had a XXXX a month and a half ago and now it has dropped to XXXX! This is unacceptable and VERY inaccurate!! There is no good reason for a score to drop that significant that fast when my credit is n't no where near bad enough to justify it. I have actually had several things removed completely from my credit and gotten new credit cards and paid them on time over the last couple months. It makes no sense that my credit score would drop XXXX points in one week. There is something illegal and shady going on at EquiFax. 
I want my score restored back to what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
On XX/XX/XXXX, I sent Navy Federal remittance check registered and certified mail and it was signed for and received on XX/XX/XXXX. Payment due date was XX/XX/XXXX although I sent it in on time and it was accepted. Of course, I was charged a late fee and the charges and account was sent to Collections. My account was not updated to reflect payment for three weeks to a month and I did not hear from Navy Federal. 

Called them several times ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) and was given the run around ( including speaking to several people from the Remittance Dept. ). Was told the original form of remittance I sent will not be accepted although they did not return it to me. 

Called today ( XX/XX/XXXX ) at approximately XXXX XXXX  and spoke with XXXX and XXXX ( Collections Dept. ). XXXX, who tried his best to get some resolution however his Supervisor did not speak with me but gave several responses that did not make sense through XXXX. XXXX states the Mail Remittance Dept. was closed and she would get more details since someone she spoke with in Electronic Remittance states I would have to request the remittance check I submitted in writing. I explained to XXXX that this all makes completely no sense however I will wait for her call tomorrow. 

Navy Federal 's refusal to accept the remittance check is an impersonation of Congress, which is a VIOLATION under Article 1 Section 8 Clause 1 and 5, as well as 31 U.S. Code 5118 ( d ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Midland Credit on XX/XX/XXXX stating theyre trying to collect a debt that not only in 2019  was ruled identity theft but reported to CFPB. There is also a case with CFPB on them for attempting to collect this debt in a few years back. Now its 3 years later and theyre illegally attempting to use scare tactics to collect one something not owed to them. There is a legal affidavit filed for this and they are still trying to collect. Not only was a complaint filed for this but also illegal debt collecting practices over the phone and a letter was sent out requesting Identity of the debt collector, including name, address, and phone number The amount of the debt, including any fees such as interest or collection costs What the debt is for and when the debt was incurred The name of the original creditor Information about whether you or someone else may owe the debt They clearly cant understand whats going on because in XXXX complaint XXXX with a ftc affidavit attached they stated please provide one which was given to them already and the company they claim to have gotten from. Attached is a copy proving this was attached. They were also physically mailed this in 2019, had an attorney general report and have the XXXX cases to prove this was all provided and reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX, XXXX I borrowed {$600000.00} from XXXX to purchase a house. I fully repaid that loan on XXXX XXXX, XXXX. However, the bank failed to report this significant transaction to the credit bureaus. They acknowledge their responsibility to do so. However, they say that they attempt to report this transaction to the XXXX main credit agencies " manually '' but the credit bureaus apparently are unable or unwilling to receive credit information " manually '' ( whatever that means ). 
I have an unfair negative credit rating. It does not reflect reality, but it complicates my life immensely. Please, help resolve this matter. I would like to propose XXXX alternative solutions : 1 - If XXXX is unable to deliver its side of the bargain they should reimburse me for all the interest and the fees that I paid them in good faith. 2 - Help our nation 's XXXX major credit agencies to become a bit more flexible. I am sure that I am not the only one who is unfairly penalized due to their lack of flexibility. 
Please see XXXX attachments:1. My letter to XXXX of XXXX XXXX, XXXX2. The response I received from the bank dated XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian will not allow me access to dispute my credit report online

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 2022-10-16
Company: EQUIFAX, 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:
I signed up for a credit card a few months ago because I was trying to develop a credit history and few a positive credit lines on my report when I checked my credit report I saw a number of hard inquiries from credit card companies running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a XXXX letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Experian updated the debt collection from the XXXX XXXX name to their alias which is XXXX XXXX XXXX. Please help me alleviate this collection account.

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 2017-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and removed.

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 2016-05-31
Company: Statebridge Company
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I make my payments before the due date, the mortgage lender is rejecting the payment without even attempting to pull the money from my bank account. After the due date passes they are contacting me regarding late payment, assessing a late fee, and then accepting and processing my payment. To this point they have waived all of the late fees assessed, but I am concerned their actions may impact my credit rating or the status of my loan. They also sent back a huge portion of my escrow account, then increased my monthly payment by several hundred dollars to cover my now outstanding insurance payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted several " account verification letters '' to Equifax about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : XXXX XXXX XXXX ( {$180.00} ) Account : XXXX XXXX XXXX ( {$220.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Signature Performance Tiburon, LLC
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Consumer received a 'dunning ' letter from Signature Performance Tiburon LLC , XXXX XXXX XXXX, XXXX NE XXXX dated XXXX XXXX 2015. XXXX responded to the letter by sending back a dispute letter 'certified ' return receipt ( # : XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015. SIGNATURE PERFORMANCE TIBURON LLC, is denying consumer due process of 'written ' notification within the XXXX ( XXXX ) day timeline allotted consumer under the Fair Debt Collection Practices Act ( " FDCPA '' ) by not picking up the letter from the post office in a timely manner. Consumer has tracked the letter which is still waiting to be picked up from a XXXX Post Office. Consumer has added all 'written ' and tracking verification to this complaint to prove consumer 's position in this matter. By not accepting consumer 's dispute letter, consumer is being denied 'due process ' under federal and state law regarding debt collection practices and the FDCPA, FCRA and FTC XXXX Consumer is making this complaint to your agency as a form of administrative process that will verify consumer 's position in this matter should it be necessary for consumer to pursue a civil lawsuit. Consumer will have proof of consumer 's concern as reported to the Consumer Financial Protection Bureau ( CFPB ). Thank you for providing this venue as documentation. It is greatly appreciated.!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: U.S. BANCORP
State: MI
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 XX/XX/2022, someone did obtain my credit report from XXXX without my consent ( fraudulent ). They also tried to get XXXX different credit cards fraudulently. 

This was done online. I believe that I know who did this. 

I need the XXXX address for the perpetrator so that I can get them out of my life... I just need proof. If you can't provide the XXXX address, at least tell me the city and state of the XXXX address. 

Pretty simple request .... don't protect the criminal, protect me instead.

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 2022-07-24
Company: Experian Information Solutions Inc.
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:
" XXXX '' Fraud Credit Inquiry Not Done by me. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXXk XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX ) In addition there is XXXX Inquiry by XXXX XXXX and XXXX XXXX that was authorized by me, but the above mentioned Inquiries are not done by me. " Experian '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( Bank XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries were not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXX XXXX  XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX ) These Inquiries were not done by me. XX/XX/XXXX ( XXXXTI Bank 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 non-monetary relief
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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:
There are four accounts on my credit report that were opened on my behalf without my permission ; I was made aware of them today XX/XX/2020 because I applied to rent an apartment and I did not qualify due to these accounts reflecting badly on my credit report. The accounts are from the following companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any written/verbal contract with any of these companies nor am I affiliated to them in any way. I did not give these companies permission to access my credit information nor did I gain anything from the accounts that were opened with those companies such as money, goods, services etc. and I never made payments towards these accounts. I have filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2016-08-13
Company: EQUIFAX, INC.
State: NY
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Customer service/Customer relations

Complaint:
on XXXX XX/XX/2016 i pay {$4.00} to Equifax to look at my credit report most of the information in the report was incorrect i had to dispute all my dispute is completed i call Equifax on several occasion to cancel the account because i was not seeing a whole lot of information all i was seeing was personal information today is XXXX XX/XX/2016 Equifax is charging me {$19.00} to look at the same personal information i pay {$4.00} for i want a refund reason they are using the business solution price

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage with home point financial was closed in XX/XX/XXXX and paid in full. An overpayment was made and I received notice from the company XX/XX/XXXX that I never cashed a check they sent to me. I have contacted them several times since then and the check has allegedly been sent three different times and I have never received it. I have also filed a complaint with the post office cause I either the check is being stolen or they literally are not sending it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I wanted to buy furniture from XXXX. I was told that, with a XXXX credit card, I would get {$40.00} off my order. I applied and got a form letter from XXXX Bank, saying credit was denied, based on information from Experian. After hours of phone calls, I was told that XXXX XXXX where I had a card, had submitted an incorrect SS number for me. ( I have n't used that card for several years. ) I disputed and got a communication from Experian to the effect that they completed the processing of the dispute. However, the Experian web site still reflects that I 'm " in dispute. '' I called XXXX, but they are unable to change it, of course. I think it 's wrong and unfair that I never had a chance to review the information submitted about me to make sure it is accurate. Also, now that it 's be resolved, why should it remain for so long as if it has n't been. My credit score, according to Experian itself, is XXXX, which that outfit itself calls " exceptional. '' I protest this sloppy, indifferent, and infuriating refusal to remove this " dispute '' thing immediately. Their cynical disregard for my credit standing, effort, time, and frustration, should be recognized. I should be embarrassed to pull the age card, but I will, anyway : I turned XXXX in XXXX and I believe this is actually affecting my well-being. Thank you. 
Note : I tried to attach the letter from XXXX, but was unable.

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 2016-07-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an Initial fraud alert on my Consumer credit report. I have reports from XXXX XXXX and XXXX XXXX XXXX department saying they are removing Hard Inquires from my report. I have other hard inquires on my report I believe to be in error.

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