BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
I XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 
Please provide the written instructions that I, the consumer gave to NAVY FEDERAL CREDIT UNION which has authorized these furnished accounts. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account NAVY FCU XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt-out of credit reporting for this account. If my instruction to opt-out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX Account # # # # # XXXX {$3900.00} Account # # # # # XXXX. {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Equifax and XXXX XXXX XXXX failed to do a proper investigation I am requesting the procedure of there investigation. Under the FCRA they are required to respond and be 100 % accurate of the debt validation letter 15 U.SC 1681 section 602A States I have a right of privacy 15 U.SC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions Please delete these accounts immediately unless you want to be XXXX {$1000.00} per valetation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Law Office of Regent and Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting debt collection emails for a person I do not know and they keep sending it to me despite me telling them I am not that person. There is no confusion to be had, I have a different name. They even sent me a legal document meant for someone else with sensitive information in it.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Firstly, Bank of America purchased my loan from XXXX XXXX  company. XXXX had just dropped the illegal escrow account due to a letter written to the Texas Attorney General 's office. We were never reimbursed the over-payments made to XXXX. However, when Bank of America purchased the loan, they added the escrow account back to the account at a deficit. My original loan dated XX/XX/XXXX, includes a signed escrow waiver agreement that states, I requested a non-escrowed account ( document included ). I also signed a truth in lending disclosure statement ( document included ) that ensures I am responsible to pay my own insurance and property taxes.
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Secondly, the mortgage account was tax exempt during the XXXX, XXXX, and XXXX  years. Due to my military service, I am a XXXX XXXX XXXX XXXX veteran ( document included ). I contacted Bank of America informing them of the tax exemption. Bank of America continued to place illegal escrow, forced placed insurance ( self purchased insurance copies included ), special assessments, miscellaneous postings, late fees, misapplied payments and escrow shortage charges. With tax exempt accounts, there should not ever be escrow charged to the account. Either way, my account should never have been charged.
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Thirdly, please review my credit history ( included ) printed on XX/XX/XXXX. No missed payments except for Bank of America. My credit history for all other accounts have an A+ payment history. Bank of America, fraudulently reported negative payment history to the credit bureaus. With my mortgage loan having a signed escrow waiver agreement and my 100 % tax exemption status due to my XX/XX/XXXX military XXXX rating, the escrow payments should not ever have been collected. Me and my family have suffered unnecessary hardship because of Bank of America 's fraudulent charges, incorrect credit reporting and excessive fees.
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On XX/XX/XXXX, my credit report was marked as 120 days late. I contacted XXXX, at Bank of America, for my account to be reviewed, due to my new tax exemption status. He stated that my account had been reviewed, per my request, and that B.O.A was making corrections to my account and would send the updated credit report to the credit bureaus. On credit report date, XX/XX/XXXX, B.O.A had made the necessary corrections and marked my mortgage account as " pays account as agreed ''. This year, XXXX, Bank of America made major changes to my credit report by stating that my mortgage account had 25 missed payments. All of the errors on my account are completely illogical.

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 2022-03-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During 2020 due to XXXX I lost much of my income from my small business. I applied to get unemployment but was turned down. I contacted my mortgage company - XXXX XXXX XXXX  to let them know I was having financial hardship and they said I was not eligible for refinancing or a loan modification. I asked why and they told me that that is what came back in their system. I have never gotten a straight or real answer from them. I offered to pay in a couple lump sums as I earned the money but they said it was all or none. I contacted the organization in WV to get guidance on what my alternative were and I never heard back ( I left my name and number 4 times over a two week period ). I have never received a notice from my mortgage company but I have had two realtors come to my door telling me that my mortgage is in foreclosure and did I want to sell. I would rather work this out and pay back the amount over a period of time if possible. I just feel I'm out here alone with no assistance, no resources and no where to turn. I feel that XXXX XXXX XXXX is a predatory company who do not share the resources available to home owners in need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX homeowner, upon the state of FL shutting down my business due to the pandemic in my most lucrative months of the year. I accepted the forbearance to lift the burden of my financial struggle to pay my mortgage. Upon completion of my forbearance I went thru an agency for assistance to pay the forbeared amount. My Servicer would not respond to the correspondence sent by the agency to obtain payment information as confirmation of my default status with my written permission attached. The agency reached out via fax, email, and mail from XX/XX/XXXX XX/XX/XXXX as a result due to no response of the servicer receipt of payment info the agency cancelled my approval and gave to another in need due to the high demand of many in my same situation. This assistance would have help yet the servicer refusal and lack of response has me in a bigger financial struggle. When I call no one can tell me anything I have been asking for my investor for over a week and the agent could not answer or knew. This is uncomfortable to say the least and the servicer is making it difficult to receive the help that is needed to resolve my hardship now that I am back to work. Until the economy is back in full operation my business will and has suffered however my kids and I should not suffer due to the lack of this servicer. I am and have been financially impacted by COVID and the servicer is giving me the runaround. No help at all just causing more unnecessary stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Glass Mountain Capital, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was falsely reported as having an open debt by a medical provider. The medical provider stated I was reported to the debt collector Glass Mountain capital in error and i was provided a receipt which shows proof of payment. For nearly two years Glass Mountain capital has attempted to collect this debt despite being provided proof of payment by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
After disputing a debt from a collection agency company named XXXX XXXX over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from XXXX XXXX. I have directly disputed the credit bureaus Transunion, and XXXX about XXXX XXXX claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus Transunion, and XXXX with no knowm resolve as well. I have sent certified mail to XXXX XXXX   on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either XXXX XXXX nor the credit bureaus Transunion, and 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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act : XXXX - Account # XXXX and XXXX XXXX XXXX  - Account # XXXX, 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 2017-06-22
Company: TD BANK US HOLDING COMPANY
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX TD BANK XXXX TARGETCREDIT XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ...
To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi, we cancelled our credit card with American Express after over 20 years of excellent payment history since we were denied a charge for our taxes in XXXX, and after being insulted by an incompetent CSR, who told my husband we need to pay down our card to improve our credit so he cancelled our AMEX cards. Then, we later found out our AMEX rewards points were gone so we filed several complaints with AMEX with no resolution so we are seeking the return of our XXXX points that still show up on our most recent XXXX XXXX statement. The CSR never told us we would forfeit our points, and the CSR 's who we filed our complaints with keep saying there our no notes of our conversations so we want to put this in writing so everyone can see what a SCAM AMEX can be after 20 years of loyal service. In fact, our XXXX XXXX statement shows we have XXXX new points so not sure why we would accrue additional points when our past hard earned points were taken away so please help us resolve this matter before we file a small claims suit next for additional damages to our credit reputation as well per the CSR 's blatant ignorant statements which originally caused us to close our AMEX account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A past account XXXX XXXX XXXX XXXX was deleted from my credit file XXXX XXXX. The original creditor was XXXX  XXXX XXXX. The amount is XXXX, XXXX The account has reappeared under XXXX XXXX XXXX, in XXXX XXXX. Experian refused to provide documentation of the deleted account. but verbally acknowledged the account was previously deleted but allowed XXXX XXXX XXXX to enter this account on my credit file again. This is not a new account as I have communicated this to Experian customer service and supervisor ( s ) several times via phone call. I have also explained the debt is currently being paid under XXXX XXXX XXXX which is a consolidation of all student loans which include XXXX XXXX XXXX  Documentation has been sent Experian via U. S. postal mail service. Experian has informed me the company does not have a fax number. Experian downloading website for sending documents for disputes does not function. I have tried for eights months to load documents on the website and all instructions and criteria were followed and documents do not load. Documentation has been sent certified mail but returned. This has been ongoing for couple months. A complaint was sent to the Better Business Bureau as the account remains on 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 non-monetary relief
Consumer complaint received 2022-09-07
Company: Exeter Finance Corp.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This company set me up with an exorbitant interest rate auto loan a few years ago. I have made payments to the best of my ability through times of job loss, income loss, and pandemic related upheaval over the years. Anyway I have fallen behind recently and have done my best to not be more than 60 days late at the very least. I have made payments biweekly for some time now and keep getting exorbitant late fees piled on with seemingly no amounts being applied to principal. I have recently gotten a repo notice even though I have not not hit 90 days late ( and don't intend too ). I constantly get phone calls and as a medical provider have no time to talk to their agents. I have used their emails and messaging system on their website to no avail. They send no info or advice through these systems only try harrasing phone calls multiple times a day. Exeter needs to dispense with the constant late fees, phone calls, and whatnot and show results toward principle of their auto loans and do better to help people who are upside down on their loans instead of making the situation worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: FL
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:
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017 and Experian XXXX/XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.

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 2017-06-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, XXXX Bankruptcy Chapter XXXX, XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: PENTAGON FEDERAL CREDIT UNION
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:
The company has ignored the salient aspects of the claim. Regarding account figures the credit card numbers issued were incorrectly referenced in confirmation emails in my possession, independent of any fraud claim. New information has come to light when I looked further into PenFed 's management of their brand, web portals and cybersecurity practices. Upon further investigation, the scraping of my personal data carries those same credit card numbers " issued in error '' by PFCU 's admission. Those redundant email communications and portal web viewed were spoofed as part of the ongoing fraud in operation since April of 2022 '. The failure of PenFed to manage their customer facing portals and allowing personal credit card numbers to be scraped is the main driver of the causation here. See https : XXXX I suggest that this be escalated from typical collection reporting due to the circumstances. I will make a complaint in court together with damages if the credit reporting issue is not rectified. I will not take responsibility for the mismanagement of my information. The response is wonderfully data driven, but does not address the causation. The contact information on my account may very well be incorrect as well, as I have not received any communications. When were these last changed? how was this done? I am locked out of my PenFed portal.

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