BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-11
Company: EQUIFAX, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Informed this debt collection company that my only source of income is social security. On XX/XX/2022, I received a document from this debt collection company labeled ( XXXX XXXX ), suggesting this is an official document.I also asked this collection company to provide a detailed amount of this debt of which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: VW Credit
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 status incorrect

Complaint:
I bought another  VW  in  XXXX  anticipating the  XXXX   (  diesel fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called VW and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to VW in  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I called Bank of America to determine how I could get current on my account since I have been principally unemployed since XXXX/XXXX/2014. I was told I needed to pay approximately {$3000.00} or agree to a debt consolidation agreement with an outside agency. I explained that I only remain delinquent on this account, which was a joint account that somehow was transferred solely to me. I asked about any other program and I was told no and this was my only option. I was then hung up on. The agent was unaware of the effects a debt consolidation and account closing has on credit and FICO scores. Bank of America is pushing debt consolidation with an affiliate in order to make more money which I believe is an illegal practice. They are refusing to allow me to keep current and has applied {$300.00} in payments to fees which they add every month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: BARCLAYS BANK DELAWARE
State: MA
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:
After many years of nearly perfect credit scores. I found out that m y FICA score took a big hit from Barclays credit card. Barclays r eported that I had this card for 20 years. I have never had this card, did not use this card and never wanted it. They said they reported my failure to pay a {$49.00} annual fee.. I never agreed to this. This appears to be fraud.

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 2021-11-12
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: Personal information incorrect

Complaint:
I have disputed now three times with nothing back and information is still inaccurate. There are different names, addresses etc reporting on my credit and things that don't belong to me. 

What do I do for the credit agencies to fix these?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To let it be known once and for all and finally the truth to come from JP Morgan Chase Bank, NA XXXX XXXX or her representatives at JP Morgan Chase located at XXXX XXXX XXXX Mail code XXXX XXXX, LA XXXX XXXX. XXXX XXXX That you are aware that XXXX XXXX committed fraud when he conned me to move out XX/XX/XXXX and never got clear title with XXXX XXXX  or neither XXXX XXXX XXXX XXXX XXXX. That you are aware of FTC # XXXX FILED XX/XX/XXXX and my letter sent to MERS on the matter. That you can confirmed I spoke to an representative female from the FTC on or around XX/XX/XXXX advising me to call chase lien release dept. and " ASK THEM WHAT THEY WILL DO FOR YOU ''. That upon that call two female employees apologized for what XXXX XXXX had done to me and promised me a Discharge of Mortgage on the property and congradulate me on a paid up loan for XXXX. That you are aware no foreclosure sale were made to MERS FOR XXXX. That you are aware of or can look up the records that upon my call to chase executive office XX/XX/XXXX and my discussion with XXXX he said, XXXX XXXX I AM LOOKING AT THE SYSTEM AND YOUR LOAN NEVER WENT INTO FORECLOSURE STATUS AND IS IN LATE PATYMENT STATUS NOW. Loan no. XXXX MIN XXXX and evidence of my trust account with the OCC as case XXXX then notice dated XX/XX/XXXX dept. of treasury as claim id. XXXX and notice from chase on XX/XX/XXXX as my claim as claim no. XXXX. Please Investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
NCB MANAGEMENT has placed negative information in my credit file, WITHOUT notifying me first, as per the FCR Act. I would have then told them, as i have written, them and the bureaus, this is not my debt, I have no relations with XXXX, and have never benefitted from such. A company is a " dead '' entity, and only exists because we the people created the State/Government, then gives this " dead entity '', limited powers. When does these powers include, now telling me who i am, or what i did, or am doing, XXXX, thus runs the show. 
The law does not presume an agency relationship exits just because an alleged agent says so, Armato v. Baden Restaurants, 71 cal. App. 4th 885, 84 Cal. Rptr. 2d 294 ( 1999 ).

a claimed existence existence of an agency relationship forces a fact intensive inquiry. See, e.g. C.A.R. Trans. Brokerage v. Darden Restaurants., 213 F. 3d474 ( 9th Cir. 2000 ).

NCB MANAGEMENT flaunts all DUE PROCESS LAWS, by placing this negative information in my file, without proving anything, that it is me, and/or i am the one responsible, only creating ultra vires acts, interefering in my Constitutional right to contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Tried to refinance. Small amount destroyed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Company applied funds that were for monthly mortgage payment incorrectly Want copies of email and all phone records Company is lying did not resolve and wont send information I am requesting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
my name is wrong and there is 1 previous address that is not mine I never lived there see XXXX XXXX for explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted this company a year ago and stated I could not mail in payments. I needed to keep a checking account or credit card on file. I do n't want to do that because I will not make the payments on the same day. They stated they could n't help me if I did n't leave that information on file to withdraw automatically. I asked why there were so many fees added after I contacted them that I could n't pay them and they said they can charge up to a year after I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: LA
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/XXXX, I mailed a settlement letter to Macy 's, offering a one time payment of {$100.00} to settle the balanced owed and remove the account from my credit report. However, I received a letter in the mail from Macy 's stating " They are unable to remove the derogatory history from my credit file because the account information is correct ... '', when I did not request to dispute the account but rather to settle in exchange for the removal of this account from my report. This is completely unacceptable and I feel as though I am not being taken seriously. I have also been in contact with the three credit bureaus ( XXXX, XXXX, and XXXX  ) since XXXX, XXXX in order to get this item removed from my account history. No bureau has honored my requests, and I would like to file this complaint against all three credit bureaus for the Macy account history. 

Additionally, today ( XX/XX/XXXX ) marks 7 years since the closing of an account with XXXX. The closing date was XX/XX/XXXX, and this is past the statutes of limitations. This account needs to be deleted from my credit report for all three credit bureaus. XXXX   has honored my request, and therefore I will need to file a complaint against XXXX  and XXXX  for not honoring this. 

Thank you for your time, I look forward to a hasty reply.

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 2020-12-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
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:
I purchased a home ( V A Housing certificate ( no money down ) in XX/XX/2018. My payments were auto pay for mortgage company to get the payments. After four or five payments Lakeview began to take another payment the third week of the same month. I did call them and they could not say why the second payment was taken. So I made them put it back. After going through this several times I had to close my bank account.. My bank opened a new account and they are making my payments for me.. Lakeview put lies on my credit report stating my payments are late and I missed payments too .I reported them and the lies were removed from my report. I tried to reduce the interest rate on the loan again this year.. Lakeview lies are back on my credit report AGAIN! They told me they are going to leave the lies on my credit report. How can I stop this? My interest rate is 5.2 %. This is against the law to lie on me just to keep the account. My bank statements show my payments are on time, and paid in full.by my bank every month. I am being lied on and blocked by Lakeview Loancare Servicing, LLC..

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 2020-09-25
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:
I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: NC
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:
Citi keeps charging late fees and refused to send bills explaining their charges. Their customer service reps claim to waive fees and send bills, but do not. 

Very unfair to charge fees but not send a bill, and then keep charging late fees. Advise other consumer to avoid all Citi bank credit cards.

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 2020-04-11
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a car loan with Ally Finacial and the total amounts on my credit report dont match. My loan is paid down to XXXX.. Just recently my insurance company paid {$12000.00}. That amount was paid on XX/XX/2020. Ally financial is the worst company to have a loan with. Getting anything done with them takes months. I had tried for several months to give then my insurance auto theft information and every time I called they took the info and everytime I called back they had no history of any information given to them.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-04-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When attempting to get an Experian credit report from XXXX, which is required to work by law, I get the following message : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request form. 

XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan provider did not give me opportunities to correctly pay my loan as I desired. The loan provider ( navient ) distrusted my loan payments in ways in which I did not agree on. They would not allow me to pay as I wanted and instead distributed my payment how they deemed fit, often times leaving me to have to pay more money in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: CA
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:
The incorrect accounts was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was on XX/XX/2022, but still accounts are presented in my report. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2020, my wife and I opened a business account with Navy Federal Credit Union. At that time we where told that we could apply for an SBA Paycheck Protection Program for Covid-19. We just received a message from the bank that we don't qualify for this loan since we did not have an account with them before XX/XX/2020. This was very misleading on behalf of Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation