BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
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: Their investigation did not fix an error on your report

Complaint:
I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them XXXX copies which I did but they never received them of course, nor did Equifax. It is an Applied Bank XXXX from XXXX of XXXX, I have called Applied bank XXXX times and they can not even find It in their system, but all XXXX bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took XXXX minutes XXXX verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has XXXX XXXX XXXX for {$2400.00}, the other XXXX have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXXXXXX Finance, XXXX times Experian response XXXX disputing Applied Bank : Our reinvestigation of the dispute ( XXXX ) and/or another request ( XXXX ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only XXXX inquiries on Experian Finger XXXX on XX/XX/XXXX and XXXX Main Financial on XX/XX/XXXX so Please tell Equifax and XXXX to take all those XXXX other inquiries off of my XXXX report since they will not help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: NY
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:
This is my second time complaining about inquiries that are falsely reporting on my credit report. The information that is reporting on my credit report does not belong to me and i want these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been receiving steady flow of junk mail from Citibank credit card about 0 % and other unsolicited offers. I have called and told them to stop. They stop & the next year again I get this junk mail. This will have to stop or I will be forced to initiate legal action.

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  KEEPS REPORTING INFORMATION ON MY CREDIT FILE THAT THEY KNOW DOESNT BELONG TO ME, I HAVE DISPUTED XXXX XXXX AND XXXX XXXX  FOR THE LAST 9 MO AND UPLOADED POLICE REPORTS AND ARREST REPORTS AND FTC REPORTS AND COURT DOCUMENTS AND XXXX  AND TRANSUNION STILL KEEP THIS LOAN ON MY 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 2021-10-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check with Navy Federal Credit Union. I was informed in writing ( via email ) that the check would clear in 2 business days. I was provided a XXXX dollar credit, out of XXXX dollars. I was then informed on the 2nd that the check would be held for 5 days. This is an insurance check for losses sustained by me in a car accident. I was told that the check had a high probability of not clearing, though I have never had a check not clear my account. I have been with this bank for 3 years. I was told security department did not work the weekends, yet they can determine on a Saturday that a check needs to be held?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Collections Acquisition Company, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I've got text and emails various be loand places I didn't sign up for. Some say XXXX  denied and etc idenity stolen

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Navy FCU is collecting a auto loan debt. I lost my job XX/XX/XXXX and did not work again XX/XX/XXXX. I tried to mitigate missing payments immediately but Navy FCU would not work with me. I could not pay. 
Fast forward, the car was repossessed, XX/XX/XXXX and the FCU rep stated i need to pay {$10000.00} by XX/XX/XXXX. I explained that i could pay it off but needed more time. He stated he would give me until XX/XX/XXXX. The last conversation i had with him was XX/XX/XXXX where he stated i could pay car off then call car storage company to pay storing fee. I called them XX/XX/XXXX. They said they do not have car and car is already at auction house. If i want belongings i need to contact XXXX XXXX. I called XXXX XXXX they stated they do not have the car and do not know where the car is. 
I attempted to call XXXX XXXX back on XX/XX/XXXX but he was gone for the day and another FCU rep reviewed my account. She stated the Navy FCU gave me until XX/XX/XXXX to pay the balance and not XX/XX/XXXX as stated by first rep. 
Out of all this : 1. Navy FCU rep falsified the timeframe the bank was actually given me. XXXX vs XX/XX/XXXX. 
2. The company supposedly storing my car is located in XXXX and has already sent car to auction house but will charge me a daily storage fee. 
3. I changed my address and have not received term notification. 
4. My car location is too far for me to get my property out of. 
5. I have been out of the country from XX/XX/XXXX-XX/XX/XXXX. 
I am stuck trying to get car back and property in car!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
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:
I am a real and natural person who is submitting this complaint. On XXXX XXXX, XXXX I wrote a letter to the credit bureaus asking them to verify every piece of information reported on my credit report. XXXX sent me a letter in the mail on XXXX XXXXXXXX XXXX, stating all information has been verified and updated on XXXX XXXX XXXX account # XXXX. According to my credit report, which I looked at on XX/XX/2022 there are still existing inaccuracies that are showing the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C.

1681 section 602 A. States I have rights to my privacy. 15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX Hospital has repeatedly repeatedly turned my medical bills over to collection. They now have sent this ONE AGENCY XXXX BILLS. They have been told by me a million times that I have XXXX through the state of Florida as a secondary insurance and they are not submitting these bills there. They immediately turn them over to collection, then I am harassed by the collection agencies and my credit continues to be destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX was unwilling to cancel my account with them and charged me for a third cable box when I returned two. I paid for two boxes for nearly five years, I do n't keep my past bills but their were two televisions in that place of residence. When I called XXXX to ask for a copy of my last bill they said since I 'm not a customer anymore they do n't have that information on file. It took me nearly two hours to cancel my account and the person I spoke to was irate about it. In the long run, I never had a third cable box and they 're billing me for not returning that box.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Diversified Consultants Inc. ( DCI ) pilfered my rights as a consumer as a result of not following the laws of FDCPA. DCI did not provide proper notification ( a dunning letter ) to allow me the right to dispute the validity of this supposed debt ( they claim I owe DCI ) before reporting this account to my credit report on XX/XX/XXXX ( according to my credit report review ). DCI has not provided proof that a dunning letter was sent and received before reporting this account on my credit report, despite my current and permanent address being accessible from my credit report. 

Upon my own request ( following a credit report review ) after my consumer rights have already been violated, I requested debt validation from DCI in XX/XX/XXXX. Diversified Consultants Inc. has not provided the proper documentation that illustrates I am financially obligated to pay Diversified Consultants Inc . I have attached the documentation that was provided to me that does n't have accurate information in regards to my personal information ( my residence during that time frame ). Furthermore, this documentation shows no financial obligation on my part to Diversified Consultants , Inc . This documentation has no evidence that ties me to this debt or DCI besides my printed name. The documentation they have provided is not adequate debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Diversified Consultants, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Only called a few times and then reported my debt to the credit bureau after setting up payment arrangements I have never had this happen if you have arrangements to pay off they do n't report it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a {$300.00} credit limit with Capital one. The police took a rental car from me during a raid on a house I was at XXXX day. There was nothing illegal in the car. Me and my attorney informed the airport what happened cause they didnt return the car like they said they were going to do. Then the credit card company allowed the airport to make a large purchase more than my credit limit. I believe it was around XXXX. I didnt pay the company so they passed the info to a collection agency and they were calling me. I informed them of the incident and put a dispute in but was denied. I asked how the company allowed a purchase to be made that was more than my limit. The company still calls me ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: GVA Holdings, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I ca n't believe how much interest rate I was charged for a XXXX dollar loan I was charged XXXX dollars in interest that 's 360 % I have paid off my loan. I hope you can do something so some one else from being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To. the Consumer Financial Protection Bureau Greetings, My name is XXXX XXXX I want to file a complaint against the USAA Federal Savings Bank and to the XXXX for collecting a Debt that I do not owe and unrecognized Account that I never knew, base on my knowledge I only owe XXXX Debts which is settled by the Debt Settlement Company that I enrolled through the Debt Settlement Program the first Debt was settled through XXXX XXXX XXXX XXXX a Secured Credit Card Account. # XXXX which I paid in the amount of {$5800.00} both Me and the XXXX XXXX XXXX XXXX agreed on the settlement letter. and the other Debt was Unsecured Loan with Account # XXXX which is Settled through XXXX XXXX. both Me and this Collection Agency Agreed which I paid in the Amount of {$2100.00} through the debt Settlement Company that I enrolled. can you please Help me to Investigate this case. so that this Bank and the Collection Agency stop their unfair Collection Tactics. 

Sincerely XXXX 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 2022-09-18
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX ( XXXX WA ) received the payment on XX/XX/XXXX, the amount was XXXX. Paid in full. 
I received a letter today XX/XX/XXXX from P.S.C Inc ( debt collector ) stating that I owe money to XXXX XXXX XXXX in amount of 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 2020-11-11
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/ Letter 3 :XX/XX/2020Letter 4 : XX/XX/

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 2016-04-21
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Less than minimum payments were being made to a closed account with XXXX. XX/XX/XXXX I sent a written letter in advance to XXXX explaining about a medical hardship ( husband XXXX XXXX ) and why the account was being closed ( could no longer afford it ). Before closing the account tried several times to reduce plan but could n't get a better deal. In closing plan I was charged termination fees for XXXX phones, XXXX tablets, and 2 months past due. I disputed it but it did n't get any attention. Fast forward to XXXX XXXX and I get a credit alert that Diversified Consultants reported on all XXXX credit bureaus that I owed them for XXXX. I never confirmed anything with this collection agency. If I did n't get the credit alert I would not have known it was there. XXXX has been taking my money before and after I closed the account and not once referred me to this collections agency. I contacted XXXX to speak with a rep but since the account was closed no one could help me. I went to XXXX to complain and I finally got a response. XXXX XXXX from head quarters contacted me and set up a plan for me to ( 1 ) return the products and ( 2 ) lower my bill. On our initial call I told her I did n't understand why they went to the collection company when I was making payments and sent them a hardship notice. She gave me the impression that once I cleared the debt ; in which I did, then she ( XXXX ) would send me something in writing paid in full and have the collection company to be removed. When I contacted her a week later ( have the email communication to confirm it ) to ask about my letter she was delayed in her response but before the account was paid she was quick to respond. She finally responded and said her collections department will get the letter to me in 7 - 10 days. then I responded again saying please be clear we both know this transaction was handled with the original creditor I 'm confused about this collection department. She responded back saying that Diversified will send me a letter stating paid. I informed her that I feel like she used me to get this payment to funnel the money to the collection agency without even stating this in our phone conversations nor our email communication. Now this collection agency has reported this on all three credit bureaus as if I paid them. That 's 7 years on my credit report. This is like a hustle and I feel swindled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
Yes I have two accounts with this Midland credit management and it's through XXXX XXXX  i been getting all kinds of letters from this bank XX/XX/2020 and they been trying to get me to pay this amount XXXX XXXX and I've done told them I cant pay because I have a fixed in come and i they been sending me all kinds of letter for this it's going on for a year now with this company and the second account I don't even have any more

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: AMCOL Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We tried to create an online account following AMCOL 's instructions, but could not so we can not track any payments.
AMCOL assigned two different account numbers to the same bill of {$150.00} and sent statements for collections.
We have sent them copies of the bills, screenshots of the AMCOL site error message and a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Mortgage Research Center, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The company involved is " XXXX XXXX XXXX XXXX. '' I  was trying to refinance a home loan with XXXX XXXX, they send some paper for me to sign, the documents sent were written in English only, I signed the documents, and mailed back. In the documents signed, in the section were appear cash to close, the borrower is XXXX ;  nevertheless after the company then send me another document indicating that cash to close to borrower is XXXXUSD, I E-mail two letter to XXXX, as well as I, call XXXX XXXX at XXXX ( XXXX ) and he did n't return my calls, I just wanted not continue the process so he would n't claim that he was working on my loan, the papers were signed in XX/XX/XXXX, and mail in the XX/XX/XXXX, I received the document with different number from XXXX to XXXXUSD in XX/XX/XXXX. ( I speak, write, and read XXXX better than English, XXXX is my first language )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: SUNRISE CREDIT SERVICES, INC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Based on, 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 as soon as possible! 
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

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