BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
My Sears card Credit card was closed without my notification in maybe 2013 after Citibank bought out Sears cards. I learned this when I tried to use it after not using it for a while, but had been loyally paying my balance for about a year. Because I had been paying every month and not using my card, I had not been using my online account. When I began to investigate transferring my balance as a way to lower my absolutely insane interest rate, I learned that my online account was inaccessible. In addition, I have not received a paper statement from Citibank regarding this account in years, but a monthly payment continues to come out of my banking account, and the only way I know this is because somehow XXXX has access to my closed online account, and notifies me that the payment has been made. I do also get an email from Citigroup thanking me for my payment ( which is, every month, just about the interest that has been tacked on that month ). Every time I have tried to gain access to this online account to see Citibank 's activity in my account ( to see any statement, of any sort ) I have had to have an hour-long phone conversation, where I am asked for my account number, which I have not had access to in years. Then, even upon supplying my social security number, no one who is transferred my call is able to even find my account based on my name, previous addresses, SS number, and last XXXX digits of the account number. Which leaves me to wonder, now that I have paid more than then entire current balance to Citigroup over JUST the past TWO years of about four or more years of payments, why I am still paying an account that no one can find? Additionally, I have been told that legally I am not allowed to access an online account because the credit card account was closed ( by Citigroup, without my notification ). PLEASE help. I ca n't afford to keep paying them hundreds of dollars a month but I have trying to slowly rebuild my credit for years so I also ca n't afford to stop paying them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Other

Complaint:
Was offered a best buy credit card ( citibank ) in 2014 to purchase a TV for {$1200.00}. Signed up for the 24 month interest free path. I was told if I paid this balance off in 24 months, it would be interest free. However, they did not tell me that if I bought anything else on the card, they would pay that before my interest free balance. So, here I am thinking I am paying off my TV by making monthly payments on time of at least {$100.00} for 24 months. I have just learned that I still have a balance of {$930.00} on that TV plus a pending interest charge of {$700.00} in 26 days. I know that this is my fault as I should have spent more time on tracking my payments, but I feel that best buy should have been more diligent in making sure the consumer understands the rules and that Citibank should be liable for yet another 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 2022-08-04
Company: EQUIFAX, INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX  Account # XXXX 30 days late on XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Capital Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX my wife sent a letter to XXXX XXXX, stating that we were changing health insurance companies to the group policy that her employer offered. The new policy would become effective on XXXX XXXX, XXXX. XXXX XXXX apparently did not receive the letter, so we sent the letter 3 more times over the next few months. In XXXX of XXXX, I re-sent all of the documentation and another letter to XXXX XXXX, Certified Mail - Return Receipt Requested - see attached proof of delivery. Now XXXX XXXX has hired a debt collection agency and they are both claiming that XXXX XXXX never received my cancellation letter and that I owe them for 1 month of premium for coverage that I did not receive, request or use. The proof is clearly available in the Certified Mail Receipt and their statement that I never notified XXXX shows that they are not able to manage their own mail and deliver important documents to the designated departments within the company ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I had a secured credit union with Naval federal credit union and I closed the account and the XXXX dollars that I put up against it was not returned to me and they have not furnish the proof to me that it was and I contacted them and they are doing nothing about it and I drove over one hour to the branch and I was told there that they dont see were it was returned 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 2018-05-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview Loan Servicing is consistently sending me letters that I am default in my mortgage payments and sending me statements that do not show accurate payments to my loan account. I am continually getting letters indicating that they have representatives available to get me appropriate counseling for my financial troubles, which I've never had with my mortgage companies. Recently, I received two certified notices, one addressed to my beloved deceased mother titled " NOTICE OF DEFAULT AND INTENT TO ACCELERATE '' dated XX/XX/XXXX. The second notice was sent to me, see attached copies. Since XXXX, I have never defaulted on any payment for my mortgage and always paid on a timely basis. I have had to resort to sending my monthly payment by certified mail with the USPS so that these payments may be traceable. I have all the documentation necessary to bring a formal complaint against Bayview Loan Servicing. 
The unprofessional tactics have caused me much distress. I have on many occasions called their offices to resolve this ongoing harassment. I have even advised them that I would retain legal counsel if this unfair treatment did not stop. Therefore, I am appealing to your agency to investigate Bayview Loan Servicing for the complaint herewith formally submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$170000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$170000.00}

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 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions, 15 USC 1666B : A cred payment on a credit cal open end consumer cre purpose. 
ran for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested a copy of the bill back in XX/XX/XXXX that is leaving a negative mark on my credit report. I have not received a copy of the bill.I explain that this could be my son bill which he has his own insurance if not I'm willing to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: AFNI INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( Afni Inc. ) for committing identity theft. I have never given ( Afni Inc. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ( Afni Inc. ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Afni Inc. ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Afni Inc. ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Afni Inc ) continues its collection efforts, I will file for litigation for actual damages caused and ( Afni Inc ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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:
I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a notice from a company ( XXXX XXXX ) representing a Collection Agency, a 3rd Party company apparently. I responded to the Law company in the 30 days as referenced and My letter returned " address unknown '' sent to the address listed on the letter.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-10-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt showing up on my credit report that is not mine. I disputed this debt with the three major  credit reporting bureaus on XX/XX/XXXX and they were not able to validate. On XX/XX/XXXX, I sent a certified letter to Credit Collection Services asking them to validate this debt and they sent me a final bill. I do not owe this debt and would like to have it removed from credit file from all of the major report agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX, XXXX, 2021, without my authorization, XXXX, an employee from Best Buy requested a new credit card under my name. That night, I received a notification from XXXX letting me know that a new credit card had been requested and that a HARD INQUIRY was posted on my credit report. I had no idea why he did that, when I was at the front desk of the store, I requested a copy of my receipt from a previous purchase, ( There was no reason why he would request a new credit card because I have had a credit card from BestBuy/Citibank for over 10 years. 
The next morning, I did several things, one I called the XXXX number to confirm the notification from XXXX and they said yes, there is a HARD INQUIRY for a credit card from BESTBUY/CITI BANK XXXX and they recommended to freeze my account to prevent more problems. Then I went to BestBuy and I requested to speak with the General Manager, XXXX XXXX. I told him that I was very upset because I did not request I new credit card and it put a HARD INQUIRY on my credit report. He said that employees don't get any bonuses or rewards for getting people to sign up for new credit cards. And he offered to pay for the removal of the HARD INQUIRY and to keep an eye on XXXX and to watch the recordings to see why he is doing this. Ever since, I have been calling BESTBUY and CITI BANK to resolve this problem, but they don't fallow through. I also went to the XXXX Police Department to file a complaint. I also reported this to the FTC. Unfortunately, XXXX is not doing anything either. I sent to XXXX all the document they requested but they just don't follow through either. I call the BestBuy Credit Services every time I get a letter from them to let them know that they have the wrong address and that my name needs to include my middle initial, because XXXX claims that they don't receive anything from BestBuy under my name. Today, my Neighboor just dropped off another letter from BestBuy Credit Services with the wrong address and my name without my middle initial. XXXX will not do anything if the request to remove the hard inquiry does not match exactly how my personal information is in their system. Please help me!!!

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 2022-08-31
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-03-28
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Taxes were not paid to township since XX/XX/XXXX Received notice from township that house would be auctioned if not paid in full including late fees totaling {$5300.00}. We paid the taxes out of our savings account. 
Filed a complaint with the department supervisor explaining that they owe us the late fees because they were at fault. Issue was not resolved. 
Escrow account is still wrong. 
We decided to refinance our mortgage and just pay the taxes our serves since they can not pay them correctly. 
Refinance process began with Flagstar XX/XX/XXXX. 
After multiple phone calls to the mortgage company, we have yet to close our mortgage. 
At first, they explained that their system was down for 3 weeks.

Then the Loan Servicer explained that her company computer had a virus and she was working on it. 
All of our refi documents expired including our Rate lock and they had us resend everything. We still yet to close our refinance.

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