BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-16
Company: NAVY FEDERAL CREDIT UNION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Consumer Financial Protection Bureau alleged that the NAVY Federal credit union misled its members about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting hundreds of thousands of people. I was frozen out my accounts many time over the last XXXX years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
THERE IS TWO HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND I HAVE ASKED FOR PROOF OF THE APPLACTION BUT ONE MAIN FINACIAL HAS FAILED TO DUE SO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I inquired as to many erroneous inaccuracies on my credit profile I have yet to have been updated as to what is exactly going on, its been over 60 days now. 
I am seeking assistance in the upsetting matter that has come to my attention regarding my credit report these accounts are inaccurate unverifiable invalidated and questionable. If these items are not reporting 100 % accurately they must be removed. Can you please take a moment to clear this up on my behalf. According to law unverifiable, inaccurate accounts must be removed, thank you for your help in this matter

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 2022-01-25
Company: EQUIFAX, INC.
State: PA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: WELLS FARGO & COMPANY
State: MO
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:
Wells Fargo Home Mortgage is incorrectly reporting my account 's current status as " 120 days late '', even though the account was transferred to another company and the balance on this account is now XXXX. It is obviously not possible for the account to be currently 120 days late and delinquent if the balance is XXXX and has been XXXX for over a year. I 've attempted to dispute the information with all 3 credit bureaus and they tell me they can not change this because it is what Wells Fargo is reporting. I 've also contacted Wells Fargo, who refuses to admit they are reporting the account incorrectly.

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 2017-07-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I went to XXXX College in XX/XX/XXXX - XX/XX/XXXX. I took out two loans, one for {$18000.00} that is now {$33000.00} and another for {$8900.00} that is now {$17000.00}. After taking out these loans i was unable to get anymore financing through anyone, so I joined the military. I was in the XXXX XXXX for four years. These loans should have been locked at a certain percentage due to my service, but they are now over 9 % each. The interest is absolutely absurd. I have one semester left in school and they are denying my in school deferment. Which for some reason they always put under forbearance instead of deferment. I do not have the funds to pay these outrageous loans while I am in school. I have been pushed around enough, now I am being hounded by debt collectors. This company is trying to ruin me before I even graduate. I would like someone to reach out to me and talk about this. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Amcol after I had been forgiven for a debt to XXXX XXXX XXXX. I spoke with the rep and asked had they been contacted by XXXX to remove these debts from credit report. Was instructed to send in the letter stating that the debt had been forgiven with the financial assistance. On XX/XX/XXXX I faxed the letter waited 24 hour called back. Amcol staff confirmed they received the letter and instructed they would send the debt back to XXXX for confirmation and to wait one week for a response. I called back XX/XX/XXXX and a rep instructed me that XXXX had indeed given 100 % financial assistance but that did n't apply to my patient portion of the bill. I again called XXXX to be sure that all my accounts had been forgiven and there no accounts still owed. XXXX XXXX XXXX of XXXX again assured me I owed them 0.0. I again contacted Amcol spoke with XXXX who gave me the dates ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) and a total owing over {$4000.00}. I again told him these dates were covered under the financial assistance. I have since faxed them again my account summary with dates and details showing the {$0.00} balance. Amcol position has not changed and still attempting to collect this debt and continues to report this debt to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions 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:
account name ; XXXX account number ; XXXX date opened ; XX/XX/2021 amount owed {$2800.00} inquiries that need to be removed XXXX. ) 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 non-monetary relief
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: PA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2021-04-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On Thursday XX/XX/2021 I setup a payment to pay in full two XXXX collections that were with XXXX XXXX. 

Reference No 's are as follows : {$250.00} XXXX {$1800.00} XXXX Both accounts are paid in full and closed, but XXXX has yet to update the credit report. I feel as if I have been scammed and this company is not apart of 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 2022-06-11
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-07-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I called Wells Fargo to see if they could terminate my PMI. They said it 's not PMI, it 's actually mortgage insurance ( which is technically different ). I 'm past the 80 % loan-to-value, but they said there 's a requirement to have the mortgage insurance for a minimum of 5 years, so they ca n't terminate it. Is that correct? Also, this loan was a refinance of a loan with Wells Fargo. I asked if they could give me credit against the original loan ( which was in 2010 ), but they said no. It 's all due to investor guidelines, and they do n't have the option to waive the mortgage insurance. Is that correct? The loan officer at Wells Fargo told me that he could n't do this loan if it was n't to my advantage. But I did n't know I 'd have to restart the clock on this expensive mortgage insurance! It 's over $ XXXX/month for 5 years.

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 2019-11-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am an Experian member ID XXXX. Experian is reporting a Medical debt from XXXX XXXX in the amount of {$500.00}. XXXX XXXX has been paid and stated all three credit bureaus have been contacted and to update and delete. XXXX  sent me a letter stating deletion. Will attach. Only Experian after disputing refuses to delete. 
Experian has 2 inquiries on my credit report past 2 years old. Online Experian states can not dispute online. I have called numerous numbers can not get a real person on the phone. 
Experian has recently reported a late payment from XXXX on XX/XX/2019. I have not had XXXX for 4 years. No contact with XXXX. They have allowed XXXX to report this now my account has been reset to XX/XX/2019. There is no contact or payment arrangement with XXXX. Yet Experian continues to update.

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 2017-07-24
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BWW Law Group representing XXXX XXXX XXXX has continue to make false statements in reference to a court case involving the property XXXX XXXX XXXX XXXX. See complaint # XXXX The judge never ruled on the Fair Debt Collection Practices. BWW Has continued to violate Fair Debt Collection Practices 807, 809 and 814. The judges ruling is only pertaining to an affidavit not debt collection practices. I am requesting that Consumer Financial look at the documents and due diligence in holding BWW Law Group accountable for the debt collection practices of this law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Investigation took more than 30 days

Complaint:
Letter sent XX/XX/2022 a formal complaint to XXXX XXXX and Equifax for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My financial institution NFCU has denied my dispute for a fraudulent scam transaction more than three times. Initially I was granted a temporary refund for the dispute but that was taken back within a month. I have shown proof that the fraudulent merchant XXXX XXXX XXXX XXXX did not provide the service that was agreed in the contract. I also provided proof that the merchant agreed to refund me in full, but however that never happened and they kept giving me excuses why I had not received my funds. Hence the reason I started the dispute with NFCU to help me get my funds that are owed to me. I thought being a client, a LONGTERM client of NFCU this would be handle in a better and quicker manner. When I contacted NFCU yesterday about the dispute the customer service rep was helpful, however the dispute dept. that she was " chatting '' with for help was VERY nonchalant. The credit is only for {$250.00} which to some may not be alot but to a single mother of XXXX it puts a dent in my finances.Overall I am very upset at the way NFCU is handling my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 have been a victim of identity theft. As a result i discovered several fraudulent accounts upon review of my credit report. I have contacted the creditors for help getting the matter corrected with zero success. I am now seek greater assistance in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have automatic deduction from my checking account on the XXXX of each month.Every month this year, around the XXXX of the month I have gotten a phone call from the requesting that I make a payment.Each time I explain to the rep.that I have the automatic deduction.Each rep looks at my account, agrees with me and promises to correct the issue, apologizes for the error.The reps.that called me are as follows : XXXX XXXX on XX/XX/XXXX @ XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX @ XXXX XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX @ XXXX XXXX.Additionally, each month I get a letter from Shellpoint notifying me that my mortgage payment will be deducted from my checking account on the XXXX of that month and that if I wish to cancel the draft to contact them, which I never have done.Any assisstance you can give me will be appreciated.I have copies of all letters sent sent to me, but do not have capability to scan them to my computer.I could fax them to you if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent out disputes to transUnion, XXXX  and XXXX  and they haven't replied in 30 days

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 2017-07-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Sometime within the last month Midland Credit Management ( Based out of XXXX XXXX, CA ) has  been contacting my best friend and discussing my debt problems with him. The caller has discussed how much I owe and how Ive paid so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I XXXX XXXX, Purchased a vehicle XX/XX/XXXX. A XXXX XXXX XXXX XXXX XXXX and was over charged. I paid XXXX for a vehicle that wasn't valued that much-its called ( USUARY ). ********** I literally am paying XXXX for this vehicle, if i pay XXXX to this rip off company. I was involved in a accident on XXXX XXXX and was not at fault. I was injured badly and the vehicle was totaled. Once everything was said and done i discovered that i had purchased GAP Insurance and was told that the dealer overcharged me for the vehicle therefore they will not pay anything towards the claim. Santander Consumer USA my Acct # XXXX has reported to all 3 credit bureaus i owe XXXX towards this vehicle which is incorrect. I would like all 3 credit reports updated and fixed showing this company being removed and marked paid in full.They legally got paid all the money for the vehicle and is trying to hold me hostage in this matter for another XXXX, the over charged amount. 
I want this removed off my credit file or marked as paid in full with all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was served with a complaint from Portfolio Recovery Associates LLC on XX/XX/19, didnt know who they were or if they in fact were able to collect on an old account. I filed my response and counterclaim on XX/XX/19 and sent it certified return receipt. I received the return receipt back but didnt hear a response from Portfolio Recovery Associates LLC for my answer and counterclaim, of which I had requested them to verify the debt they are trying to collect. Did not hear anything from them so I filed on XX/XX/19 an application for entry of default. No response. On XX/XX/19 I filed an application for entry of default. I had to re-file them on XX/XX/19 I filed a corrected entry of default as I had put the names in the wrong places. Still no response. We had mediation set for XX/XX/19 but I did not go as I had not received a response on my answer nor counterclaim. Cant mediate something if you dont have verification. Had a hearing on my counterclaim on XX/XX/19 and had asked the court, which they allow, to have it done via telephone. Did not get a response from the court until late in the evening of the XXXX and did not receive the order until many days later. Portfolio Recovery Associates claims in there filings after that that they had not received the counterclaim until the XXXX of XXXX, which is not true as they signed for it on XX/XX/19. Portfolio Recovery Associates LLC has many different addresses which they used in there papers filed with the court as well as sending corospondence via USPS mail with a PO Box as a return address so people will think its junk mail. The JP XXXX XXXX struck my answer as well as my counterclaim and allowed judgement on me. Dont feel Portfolio Recovery Associates LLC followed the rules of civil procedure as well as the JP. Maybe they do this alot as I see many many cases with this same JP. But they failed to verify the debt. If you need further information please feel free to contact me.

Company response to consumer: Closed with explanation