BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Synovus Bank
State: OK
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 XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: CA
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 XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. The Credit bureaus stated : XXXX or XXXX XXXX XXXX  XXXX was properly investigated but how, if the date last active in Not Accurate. XXXX  XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 
This is grounds for Removal. 
According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts 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 explanation
Consumer complaint received 2020-04-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, XXXX, Navy Federal Credit Union tranferred {$3500.00} from my checking account to my closed credit card account ( also with Navy Federal Credit Union ) without my permission and without any sort of notice ( written or verbal ). I recently had a bankruptcy dismissed in XXXX, and still had some outstanding debts on the credit card. I spoke with a service representative on XX/XX/XXXX to plead my case that the amount was unreasonable and asked that they return the funds. I also said I was willing to set up a more reasonable payment plan, but the representative only offered the standard responses that I should have called to set up a payment plan after the bankruptcy was dismissed. So no progress was made. The following day, XX/XX/XXXX, I learned that after that call with Navy Fed on XX/XX/XXXX, they made a second unauthorized transfer from my checking account to the oustanding balance on the credit card in the amount of {$2600.00}. This dropped my checking account balance to - {$2.00}. Added up, these two collections represent over 50 % of my disposable income for the month whereas federal law, to my understanding, limits such collections to 25 % of disposable income. I am now facing a handful of missed payments on rent and other bills over the next few weeks, and I have XXXX cash or other means to purchase food, gas, and supplies during an already difficult time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: GA
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 am filing this complaint because Experian and XXXX is not cooperating with me with removing this late payment from my credit file. They have reported a 60-day late payment to my credit file without authorization and did it while in Covid-19 state , which I contacted them each month prior to XXXX and they told me that they would work with me to keep my account in good standing and they was not going to report my account in a negative late payment status during the time I had XXXX over the last couple of months. I am very upset because I have disputed this account to have the late payment removed, XXXX and XXXX had it removed but it still remains on my Experian credit file and it is negatively affecting my XXXX XXXX rating and is keeping me from getting back on my feet since after XXXX. I am pleading and asking that you all remove this late payment before I take this matter to the courts and file a lawsuit for not accurately reporting the correct information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
they were rejecting my payment, and then overcollecting payments asking for a XXXX dollar payment, when it was just supposed to be XXXX, they were also trying to skim XXXX off my payment " punishing '' me for paying, they wanted me to pay another way besides money. They rejected the money I had, then I don't have enough now because they charged me for late fees, etc. and just manipulating themselves out of business.

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 2017-09-26
Company: WELLS FARGO & COMPANY
State: CO
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:
I opened an account with a bank institution and they kept telling me i was late on my payments even though i was n't. They added so many extra fees and late penalties even though i could show them that i paid every bill that i received that i finally just closed the account and since they refuse to work with me then i refused to work with them. But now they have put things on my report that are damaging it severely.

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 2017-07-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This money was sent to purchase a truck which was thought to be through ebay motors. once the transfers were made the individuals involved gave a delivery date and we were waiting on the tracking number which never arrived. we have tried to contact these individuals with no reply. there was no problem with communication before. now thy do n't exist. this was our savings and fraud has been commited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had to take a forbearance on my mortgage payments. Called Shellpoint on XX/XX/XXXX. Requested forbearance. Was assured I was covered for XXXX, XXXX, XXXX. I did not make the XXXX payment, as I was covered. 
In XXXX they informed me I was late on my XXXX payment. Since then I have gotten the cold runaround regarding the XXXX payment. They have assessed late fees as well. They refused to listen to the recording of the XXXX call. They refused to provide a copy. Now they refuse to answer ANY of my questions. 
It's all in writing. XXXX emails of them ducking the issue. They know they are wrong. They are just giving me the finger. Happy to forward the email chain and other pertinent info, but not on this public forum. They have their own copy, I insisted everything be in writing as soon as they started playing games. 
All I want is for them to honor the XXXX forbearance and drop the late fee associated with it. If you can curbstomp someone down there so they don't do it again, all the better.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not the one the company is attempting to collect a debt from. I continuously receive automated phone calls that do not allow me the option to stop contact. These calls happen at least twice a week, usually always on a Monday and sometimes on either Thursdays or Fridays ; happening since I received this new phone number back in XXXX 2016. The person these companies are trying to collect a debt from is not me as the name they have stated on the recordings/voicemails. I have added my number to the Do Not Call registry but that has not affected these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Houston Finance Co.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have contacted the company and informed them of my financial situation and told them I would pay in smaller amounts and then pay off once I get my income taxes. I have been unable to make payments and the company keeps calling texting and emailing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Contact debtor on XX/XX/2019 to request proof that this is a valid debt. The companies are reporting information to my 3 credit reporting agencies without providing validation. This is causing injury to my person because i am not able to obtain new credit based on these claims.

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 2017-07-03
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX/2017, y applied for a cashforward barclaycard credit card, 0 % interest in 15 cycles, on purchases or transfer balances, but they are charging interest right now. On XX/XX/XXXX they charged {$39.00}, on XX/XX/XXXX {$40.00}, XX/XX/XXXX {$23.00}, XX/XX/XXXX and XX/XX/XXXX they did n't charge nothing. Before I start using a credit card, i call to the credit company to make sure they are giving to me what they offer. They said 0 % on purchases or balance transfers on15 months. Is the first time I have a problem with a credit card.

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 2017-07-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my home back in XXXX to foreclosure after being underemployed. I worked very hard to receive assistance with a loan modification through Wells Fargo Home Mortgage and I was unsuccessful. I gave them every piece of paperwork they requested and still received no help. I now have a {$120000.00} balance on my credit report. I do n't feel I was given a fair chance to catch up payments/loan modification which resulted in me loosing my very first house ( purchased in 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 2022-04-29
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, there was an overdraft transaction of {$52.00} done on my Checking Account ( as a line of credit ) that did not show up on any forms of statement online banking or phone banking. Further, the paper statements were not sent to my address as the bank did not use the correct address. 

Despite being an XXXX XXXX Customer, the bank, customer care or the Relationship Manager did not care to call on my phone reminding of such transaction and non-payment of such amount for over 60 days. 

Given that I was not aware of the transaction, nor was made aware by any statement or communication, it would not have been possible for me to make any payment for such a small amount. Eventually in XX/XX/XXXX, XXXX closed the Line of Credit Account and again no information or statement was provided. 

In XX/XX/XXXX, while reviewing my credit report, I noted XXXX has reported my payments being delayed by over 60 days thereby impacting my credit rating significantly. 

I then worked with XXXX phone banking representative to deduct the amount from my checking account and refund various late payment changes. 

While talking to customer care for XXXXXXXX XXXX for multiple times, I was assured this will be rectified as the issue lies with the bank system and of no fault of mine. All late payment fees, and charges were thus reversed by the bank acknowledging this issue was with the Bank. 

I was asked to send my credit report to XXXX Business Service Division via Fax which I did per the instructions. 

Earlier this month, On XXXX XXXX, I received attached postal communication from XXXX XXXX and Loans Customer service Team dated XXXX XXXX stating that XXXX is unable to remove the delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past 5 weeks, I have received a phone call at least once a day. The calls started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The times are before XXXX XXXX  except for one at XXXX XXXX. The calls could have started before XX/XX/XXXX, but can't confirm. I called the XXXX number on my call log and they identified themselves as a collection agency. The company doesn't leave a message, and I DO NOT have any collections against me. I have also emailed the company and attempted to fill out something on their customer service site, but only to receive an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Issue clarification : BoA WILL close cc account not IS closed Received email notification that they will close overdraft CC is not used by deadline. I called the local branch to resolve and was told no one available and I needed to go online, schedule an appt inside the bank. We all know banker 's hours. And I work those same hours so basically I need to change an amount on their cc, keep track of that charge, pay it and that resolves it. Banks are become more and more insular : self absorbed and dismissive. My concern : what happens to those customers who do n't have time or money to respond to the growing isolation we all feel as customers? 
I posted this in XXXX XXXX : As a long time loyal customer you and I stand at a crossroads.  Today I received this notice : " Your Bank Americard Rewards Visa Signature ending in XXXX has been inactive and will be closed on XXXX XXXX, XXXX, if you do n't make a transaction by XXXX XXXX, XXXX. '' I have limited time to deal with your issue so I called the branch office. Due to the apparent inconvenience of my call a recording informed me that no one was available to deal with me and I was 'invited ' to go on-line and schedule an appoint to come in, at your convenience, to resolve an issue that you created. Think about that for a minute from a shareholder and customer 's perspective - you exist to make your shareholder 's money ( we hold BoA stock ) and secondarily to serve customers needs. I hope that BoA can see the irony in that. At this point I know that you will provide boiler-plate-justification response, which is tiresome and mystifying given the plethora of public platforms that are more available to your customers than BoA is or has been over the last 15 years. Im tired of being repeatedly marginalized by BoA. I await your response this request : You contact me within 24 hrs to resolve your issue. If not, there are other banks willing to accept our accounts. Example : XXXX personally answers the phone at the local branch where we also have 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 2020-01-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my 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 non-monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}

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 2018-02-02
Company: ERC
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: Information belongs to someone else

Complaint:
I have asked for validation, this account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There are many mistakes appear in my report without my understanding.

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 2017-09-26
Company: Liberty Loan Co inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have run into a financial situation. I 've contacted the company and told them once I get my income tax I would payoff the loan and please DO NOT call my job or personal phone anymore. They continue to call my job putting me at risk of losing it. As of today X/XX/2017 I want Liberty loan to stop calling and harrassing me about the money owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Innovis
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Loan Agent from XXXX XXXX XXXX XXXX verbally told me he would not inquire into my credit report, and, his inquiry would not result in an " inquiry '' on my credit report. After it did, the inquiry company CBCINNOVIS told me to send an email from XXXX XXXX that the inquiry was made in error. <P/>I sent CBCINNOVIS an Email per their instruction on XX/XX/XXXX. On XX/XX/XXXX, the inquiry was not removed. I spoke to CBCINNOVIS who basically gave me several more excuses and told me they did n't receive the email. I told the supervisor, XXXX, that I wanted his email and a confirmation that he has received it. His only offer was for me to re-send the email to their company email address and begin the entire process over again.

Company response to consumer: Closed with explanation