BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Regarding Debt Collection by Unknown Company Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding a debt collection agency that has been pursuing me for a debt that I have no knowledge of. I believe there may be discrepancies in the contract or signatures associated with this debt, and I am uncertain about the legitimacy of the company involved. 

[ NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cash Amount : {$16000.00} ] Despite multiple attempts to seek clarification and validation of this debt, I have not received any concrete evidence or information about the alleged debt 's origin or validity. Furthermore, I have not been able to identify the debt collection agency itself, as they have not provided sufficient contact information. 
I understand the importance of addressing legitimate debts and fulfilling my financial responsibilities. However, I am deeply concerned about the lack of transparency and the possibility of fraudulent activity in this matter. 
I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to ensure that my rights as a consumer are protected. Specifically, I would appreciate your assistance in : * Verifying the legitimacy of the debt collection agency in question. 
* Requiring the agency to provide complete and accurate documentation regarding the debt, including any contracts or signatures. 
* Ensuring that all communication from the debt collection agency adheres to the Fair Debt Collection Practices Act ( FDCPA ). 
I am committed to resolving this matter responsibly, but I need your help in verifying the validity of this debt and the actions of the unidentified collection agency. I look forward to your prompt attention to this issue and request that you keep me informed of any progress made. 
Thank you for your time and assistance in this matter. Your efforts to protect consumers like me are greatly appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called Navy Federal Credit union customer service today XX/XX/2023 at XXXX XXXX and asked if my direct deposit could be made available since they advertise that your direct deposits will be available XXXX day early as a perk of being a customer at Navy Federal Credit Union XXXX The representative stated that my account had an alert on it because I had prior credit cards due which I paid in settlements to them XX/XX/2023 for the amount of {$5400.00} and was not made aware that my checking account would retain an alert on it on that doesn't allow the same features as every other customer at Navy Federal Credit Union. When I asked why this was and when it expires the customer service agent told me it never expires because I am marked as someone who was a loss to Navy Federal Credit Union. I don't think it's fair that without my knowledge I receive different treatment from the bank as a result of settling a debt with the bank from prior credit cards and I was not made aware that this would be the result of settling the debt with them that I would never be able to have a full account and full features with the bank and be treated differently as a member of the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
investigation i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: OH
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:
The following companies did not have permission to request my credit report from XXXX, Experian, and XXXX : XXXX - Miscellaneous Finance, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX OF XXXX - Bank Credit XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT - Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXX DATA - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX - Mortgage Companies - Finance, Date : XX/XX/XXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to bring to your attention a serious and concerning issue I recently encountered with Capital One concerning fraudulent activity on my credit card account. I believe that Capital One 's handling of my situation demonstrates a reckless, unfair, and possibly illegal position that fails to meet its responsibilities under federal consumer protection laws, including the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), as well as its obligations to me as a consumer. 

-- Timeline of Events -- -- Incident with XXXX On XX/XX/2023, I received a package from XXXX containing items that I did not order. 
After contacting XXXX, I was informed that another customer had placed an order using my credit card information, but that due to privacy regulations, they could not disclose further details about the account in question. 
XXXX instructed me to report the matter to my credit card company. 

-- Interaction with Capital One Immediately after my conversation with XXXX, I contacted Capital One to report fraudulent activity and to cancel my current card for reissue. 
Despite providing all the relevant facts, Capital One concluded a cursory investigation, stating that the charges were legitimate because they were shipped to my address and were from a retailer with whom I had previously conducted business. 
I participated in a three-way call with XXXX and Capital One, where XXXX again confirmed that the order came from an account unrelated to me. However, Capital One continued to dismiss my claim. 

-- Key Issues : Failure to Conduct a Comprehensive Investigation : Capital One failed to adequately investigate the situation, taking into account only the shipping address while ignoring other relevant facts. 
Ignoring Documentation and Third-Party Confirmation : Even after a three-way call with XXXX, who confirmed the fraudulent activity, Capital One dismissed the evidence provided. 
Violation of Consumer Rights : Capital One 's actions seem to be in direct violation of the XXXX and XXXX, which require credit card companies to properly investigate disputes related to " unauthorized charges. '' -- Request for Action I am seeking immediate reimbursement of the fraudulent charges : {$140.00} from XXXX dated XX/XX/2023 {$100.00} from XXXX dated XX/XX/2023 I hope that the FTC will take prompt action to investigate this matter. I am more than willing to provide any additional information or documentation that may be necessary for your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, Complainant

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-12-17
Company: EQUIFAX, INC.
State: DE
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
let 's start with my intention. I started knowing loans would go back into repayment and was planning to pay off some loans outright so that when forbearance ended, these couple of loans I would pay off was so that it would not apply interest to my balance. I logged onto my loan servicer Edfinancial services in XXXX of XXXX  and checked on my loans and balances okay. I received some birthday money and managed some savings to pay off the loans around the end of summertime. I checked again at the beginning of XXXX and saw no balance due. On XX/XX/XXXX I was paid and had enough saved ( I know a little late but still have two days or forbearance technically ) I logged onto pay my loans off. first off, now my account shows I have a balance due and my loans each have an amount due. I tried to call and inquire about my situation and was on hold for 4 hours plus and was eventually just dropped by XXXX-call. website makes no sense as all loans on website display 0 % interest I have a 4hr+ recording of this last session with the phone call ( well XXXX-call ) and webpage displaying misinformation. even still I wanted to pay off my loans outright and tried to pay online through their portal. when I paid online only after confirmation does it notify me that payments take 2-4 business days. Although this is most likely due to them using bank account info rather than a debit/credit payment portal. however, to be honest why do they not have same day transaction as a loan servicer this alone is a disservice to the people, they service in regard to paying federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-09-06
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been given three different monthly payment amounts for when payments restart. Between the dates of XX/XX/XXXX and XX/XX/2023 I received communication for the following amounts, one for {$340.00}, one for {$190.00}, and one for {$400.00}. When I called to check the status of my IDR plan, they said they did not have that information and to call back the next week. When I called back they still didnt have any answers for me and I said to apply for the XXXX IDR for a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which iare found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records. The following items needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these items belongs to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2023-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Michael J Adams PC
State: TX
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 a legal hold was placed on my account. On XX/XX/XXXX I realized this. They held {$190.00}. On the XXXX my payroll check was deposited, that took {$1400.00}, did not leave me a XXXX to live on. I have signed a payment arrangement with them on XXXX XXXX and they still have not sent the release paper to my bank. They have recieved more than enough to cover first payment. Now I can not reach them. I have left numerous voicemails cause thats all you get and have sent just as XXXX emails, no answer. I need the hold removed and my funds returned so I can pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Was offered an introductory offer on the capital one app. After getting approved the introductory offer of 8 months interest free wasnt applied/or it was revoked. After calling capital one and attempting to gain more information I was told it was a secondary part of the application process that I didnt actually get approved for. I believe this to be false advertisement and misleading representation of good or services. I believe this as an attempt to gain new accounts without providing benefits for those said accounts. XXXX, the supervisor was very unhelpful and essentially told me I was XXXX. Sold out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 at XXXX I talked to XXXX supervisor ID XXXX who advised me the collection that was reported on all three credit bureaus by CCS ( collection company ) will be removed. I made the full payment to XXXX online for the amount of {$400.00} with a debt card ending in XXXX with the confirmation of XXXX and the XXXX account with XXXX. 

The XXXX operator advised me she sent a email to the debt collector advising payment has been made directly to XXXX and to remove it from my credit report. 

My name is XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief