BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021, I XXXX XXXX the one who's credit is at question, wrote Equifax about a violation of the United States Code Law. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports To date, I have not received a reply or any acknowledgment that the deletion has begun. Please see my reasons for dispute below : 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. XXXX XXXX Account # XXXX As a consumer by law, this account listed must be deleted immediately. There is NO Third Party involved. I authorized XXXX  to investigate 2 times already, however there is nothing to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: United Collection Bureau, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by United Collections Bureau about a credit card debt. They did not notify me of my right to dispute. I paid the full amount they stated I owed and they have not sent me written acknowledgement that my debt has been cleared, after they stated they would.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: NY
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:
Is reporting a late for XXXX account # ending in XXXX for XXXX XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XXXX XXXX XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, EXP, XXXX have updated a late to XXXX XXXX. 
But in XXXX XXXX payments were on time. 
Thank you, XXXX XXXX XXXX # XXXX D.O.B. 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 2017-10-10
Company: EQUIFAX, INC.
State: NY
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:
Is reporting a late for XXXX account # ending in XXXX for XX/XX/XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XX/XX/XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XX/XX/XXXX.
But in XX/XX/XXXX payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I already filed a complaint with CFPB on XX/XX/21 regarding inaccurate information on my credit report from Bank of America HELOC. The initial complaint stated I made a payment for {$1000.00} in XXXX and that payment was never withdrawn from my bank of account, never recorded as being paid by B of A, and a 30 day late payment was reported on my credit. Since this complaint was filed, I received an email on XX/XX/21 from XXXX XXXX, a resolution specialist at Bank of America Enterprise Resolution. The email stated I needed to respond to her email by XX/XX/21 to confirm I had made the complaint. I emailed her a response on XX/XX/21 or XX/XX/21 and on XX/XX/21. I also called and left a voicemail on XX/XX/21 and XX/XX/21 at the extension listed in her email, XXXX, and was connected to a voicemail inbox of XXXX. I have not heard back from her after I have made this several attempts to contact her to confirm my complaint.

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 2021-08-27
Company: NAVY FEDERAL CREDIT UNION
State: DC
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:
The 3 Credit Bureaus are reporting inaccurate information on NAVY FCU. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. These are the lists of derogatory accounts that are still reporting on my Credit Reports : NAVY FCU-XXXX-Balance {$6400.00} NAVY FCU-XXXX-Balance {$2200.00} NAVY FCU-XXXX-Balance {$6400.00} NAVY FCU-XXXX-Balance {$2200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
United Collection Bureau , INC . Trying to play games for illegal debt collection on XXXX account. I never charged anything on my XXXX card for past 1-2 years. now they sending me the bill of {$280.00}. I ask them to send me the receipt with my signature and there is NO Reply from them for last 2-3 weeks. Looks like they have Fake website and email address? or This company does not even exist? Please Investigate are they exist? or this is XXXX Scam?

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 2015-03-27
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
UCB keeps calling people with same last name as me asking them to provide my where about and discussing personal information with them. they also refuse to tell me why they are calling and on behalf of who they are calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Colony Brands, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX XXXX sold my account to a collections company but is still reporting debt by them. 
I first tried to request a letter stating that if payment was made it would be reported as such on Monday, XXXX. At that point they told me they sold the account to a collections company and I would need to pay the collections company, then I would need contact XXXX XXXX. I then requested a letter stating that they had indeed, as they stated, sold the account to another company or that they do n't hold the debt any longer. They refused this as well. Today, Tuesday, XXXX I called back telling them I really do need that letter especially since they are who are reporting the account too. XXXX XXXX again refused to issue a letter to me, but then told me XXXX XXXX go ahead and pay them, XXXX XXXX even though they no longer own the account/debt. This I know is not right and I need help resolving this issue.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-10
Company: Credit Plus Inc
State: WI
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:
My credit was pulled by Credit Plus. They were checking rates for refinanced mortgages and did NOT have my authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
These two companies were filed on a bankruptcy and not removed frm my credit report : 1. Judgement case -- case # XXXX Filed -- XX/XX/XXXX Amount -- XX/XX/XXXX XXXX -- XXXX XXXX XXXX-XXXX  -- XXXX XXXX XXXX Court -- XXXX XXXX Court, XXXX XXXX 2. Judgement case -- case # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX   Court -- XXXX county court ( XXXX ) XXXX XXXX Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX DISC case # XXXX Filed -- XX/XX/XXXXXXXX -- XX/XX/XXXX ATTY -- XXXX XXXX XXXX XXXX -- ( XXXX ) XXXX  Court-Federal District Court CASE # XXXX and CASE # XXXX are still on my credit report and need to be removed so I may purchase housing.

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 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX closed three account I have the balances of XXXX . Legally this has to be removed because They transferred these accounts! This is a federal student loan they are not reported consistently thats a violation.

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 2021-08-27
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter regarding the validity of the accounts with Amerifinancial reporting on my credit report. The account numbers are XXXX for {$1100.00} acct number XXXX {$1100.00} and account # XXXX for {$760.00} first and foremost Im noticing that this collection agency reported the same accounts twice their double billing me for {$1100.00} for medical services I never had perform I tried reaching out to them directly Ive attach my return receipt letter was sent by certified mail on XX/XX/21 and I havent receive a response its pass 30 days Im requesting removal certified receipt # XXXX and theres no reason for anyone with the company to say they never received this letter as stated before it was signed for

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 2017-10-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This is the second complaint I am filling out toward Navient, once XXXX XXXX. I spoke with the company today about payment options. I can reapply to the " rate recovery program '' for only 6 more months, originally I was told I can reapply for another whole year. I 've been in the program the last year and a half to get up to date on payments and keep my percentage rate down to 2 %. 

It is also very unclear how and when Navient is sending updated reports to the credit report companies. After being in default and forebearance on and off over the last decade, my loans have tripled in size. I 've spent the last two years making on time payments and the company has not updated my credit score.
Also, after paying Navient about {$11000.00} only {$3000.00} in my principal has gone down.
I understand there are numerous lawsuites against Navient. I would like more information to get more involved and in the meantime, figure out how to deal with large monthly fees ( unneccesary late fees ),  inaccurate reports and very confusing information with this company. Thanks so much for your time and energy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX XXXX and on XXXX XXXX, XXXX a Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX PROPERTIES ( a separate and unrelated entity from XXXX XXXX XXXX is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX PROPERTIES. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the XXXX 's XXXX attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX PROPERTIES have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX PROPERTIES. This account was NEVER past due, delinquent or defaulted upon.

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 2017-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Bank of America checking account XXXX XXXX with a promotional offer of earn {$300.00} after direct deposits totaling {$4000.00}. I directed by tax refund and employer direct deposit into the account during the promotional period totaling over {$4000.00}. 

I called in a few months after and a BofA representative assured me that all the requirements were met and that I simply had to wait for the bonus to be deposited to my account. 

In XXXX XXXX I had still not received the bonus so I called in, at which point BofA XXXX informed me that I was denied the bonus due to my tax refund not being considered a direct deposit. There was nothing in the fine print that excluded the tax refund from qualifying.

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 2017-01-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
1 -On XXXX XXXX, I received an email from 5/3 Bank stating that a {$250.00} cash bonus would be earned if one would " Deposit {$25000.00} or more in new balances into a new or existing Relationship Money Market account by XXXX/XXXX/XXXX. '' The other condition listed was that the balance would need to be maintained until XXXX/XXXX/XXXX to earn the bonus. 
2 - On XXXX XXXX, a deposit for {$25.00} was made. 
3 - Statement covering from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX did not show bonus. 
4 - A call to the phone number listed in the original email resulted in my being told I should receive a call by XXXX/XXXX/XXXX to let me know of the status. That call was never received. 
5 - A visit to the " XXXX XXXX '' branch where this account was opened and the required deposit was made led to a bank employee calling on my behalf. The employee was told that I would not receive the bonus. 

That is basically the situation. If any further information, documentation, etc. is needed, please contact me. Thanks in advance for your help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-10
Company: JPMORGAN CHASE & CO.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating that they are collection a debt The accounts XXXX XXXX XXXX for the Original Creditor First USA Bank. Index Number XXXX. I advised the company that i do n't know anything about this Debt. This is a fraudulent account, I never opened this account or made any charges with this card or company. I do not know anything about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: WELLS FARGO & COMPANY
State: NJ
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 two accounts appear on my credit report, they are hurting me, they don't belong to me Identity Theft WF/XXXX Account XXXX : XXXX This is not mine. 

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

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 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Bankruptcy Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. 

I personally contacted the Bankruptcy court to get some information they dont even have any of my information so how could you Report this on my credit. You guys should fined and prosecuted reporting false inaccurate information is against the law & against my rights.

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 2021-08-28
Company: World Acceptance Corporation
State: OK
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 previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Optio Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter from QCS-Qualia Collection Services with letter informing me this is an attempt to collect a debt for XXXX XXXX XXXX in the amount of {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently viewed my credit report for XXXX. I notice U.S Collection West was being reporting twice for 2 different accounts. I disputed and asked them to send me variable proof that this debt is accurate, instead I received two letters just giving me a break down of the debt, nothing with my signature, nothing stating that they purchased this debt. And on top of that I never received notice after they purchased these items to allow me time to dispute it before impacting my credit. 




FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...

( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...

Company response to consumer: Closed with explanation