BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Yesterday ( XX/XX/2022 ) I applied for a credit card with the Navy Federal Credit Union. At the time of my application a range of interest rates was displayed ( XXXX % ). I continued the application process by going to the next step - never showed what the actual rate would be. Later in the day I received a message stating that my interest rate would be 13.24 %. I would never have accepted this rate if it had been disclosed as I have over $ XXXX in cash deposits with XXXX XXXX XXXX XXXX and XXXX Bank. My XXXX credit card is at XXXX % with XXXX % cash back as I have excellent credit. 

This is a classic bait and switch scheme and a very unethical business practice. I have also filed an XXXX complaint but am filing with you as well as this is fraud. Today I cancelled the credit card with Navy Federal and closed my account with them - voting with my dollars. Please sanction Navy Federal Credit Union for their fraudulent business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Union Adjustment Company, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Union Adjustment was informed in 2013 that they where reporting a collection account on my credit report and asked to provide a validation of debt. Till this date they have failed to do so. They have continue to report the collection on my credit report with out merit and attempted to collect the debt and contacted 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted each company individually and was told to contact the credit reporting companies directly.After my dispute I received mail indicating the inquiries where verified, they provided no explanation of verification/investigation process, no evidence of any signed documents or authorization form me approving these inquiries and provided no open accounts to the reference for any of the inquiries. 

XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX other than personal Inquiry date : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Inquiry date : XX/XX/XXXX XX/XX/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 2018-12-03
Company: Waypoint Resource Group, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2018, I received a notification of a debt appearing on my XXXX, XXXX, and XXXX  files by a company named Waypoint Resource Group, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The information was pertaining to a debt with XXXX XXXX XXXX for {$1200.00}. 

I immediately attempted to contact WayPoint Resource Group by  phone and email correspondence. The representatives stated that they couldn't find an account using my identifying information. I responded that they have placed a collection on all three credit profiles so if they can't validate who I am, then to remove it. The agency was unable to locate my account. Therefore, I resorted to contact XXXX XXXX directly and found out that the account that this company is claiming to collect was opened by someone using my credentials and that it had already been paid in full and that I have no outstanding debts with them.

Waypoint Resource Group is guilty of a criminal offense of deception and attempting to collect funds not owed. WayPoint Resource Group made no attempts to contact me by phone, mail or email, they don't even know who I am. I am requesting that civil penalties be assessed against this company and that they be investigated immediately. I am also requesting that the credit bureaus delete this false information immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I visited XXXX XXXX XXXX, XXXX, VA on XX/XX/2020. I was interested in purchasing used cars listed for sale at the dealership. I was ready to pay for the car in cash. Upon insisting that I don't want to finance the car, dealership conveyed that they would do a soft pull and let me know on the interest rates on pre qualified loans and then I could decide if I would want to pay it outright or finance it. 

However, I would like to bring it to notice that at no point in time, did I authorize the dealership to do a hard inquiry on my credit report. But the dealership has made multiple hard pulls just to benefit them in the disguise of getting better rates for me. I was so irritated with the dealership for doing this without my consent that I ended up not purchasing any vehicle from them There are two hard pulls, one from XXXX XXXX, one from XXXX XXXX. This is done without my consent and authorization and hence I would like these to be removed from my credit report and the issue be rectified. 

Let me know in case of any queries. 

Thank You, 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 2021-07-01
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: Sued you without properly notifying you of lawsuit

Complaint:
MCM is garnishing my wages for a debt from XXXX and charging me {$1900.00} when the original debt was at the most {$500.00}. This amount isn't on my credit report and a judge never signed the order only a XXXX city clerk. They also took my Michigan tax return in XXXX and haven't taken it off this amount but keep adding interest and refusing to work with me to get a resolution. The judgment was from XXXX and they never notified me of any court proceeding as the address they claim I was sued at I didn't reside at at that period of time. They also claim they were unable to locate me but my address has been my parents for years on documents and they've owned their house since XXXX. I have also had other jobs and they didn't attempt to garnish yet they continue to compound interest daily and now are trying to collect at XXXX percent of my earnings making it impossible to pay my regular bills as I work as a cashier. According to state law my understanding is that this violates state law especially during Covid and I would like help getting this resolved. They have several bad reviews and a pending lawsuit for this same thing and won't do a reasonable payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inquired with US bank, my mortgage holder, about an equity line of credit as my septic system is needing replacing. I currently have a mortgage where I had financial assistance for the down payment of my home. The original down payment assistance was {$15000.00}. If I am in my home for at least five years, I will not have to pay it back but it shows up as an added lean on my home. Every year this lean goes down. The original was {$15000.00}, now it shows up as {$6000.00} on my mortgage, and now going into the 4th year in a few months it will be a {$3000.00} lean. I inquired if this would be an issue in getting an equity line of credit and was informed that I could not have 3 leans on the house, but all I would have to do is transfer the down payment assistance lean on to my new line of credit and it would be no issue. It is a down side that I would have to pay the amount that I wouldn't normally be expected to have to pay back, but I was more than willing as I am in a desperate situation with my septic. Well, fast forward a month of being put through the ringer for all sorts of information, and I have been declined for the loan - why? Because of the down payment assistance lean. I inquired further, stating I thought it would just transfer over to the line of credit. I was then told that that information I was originally given was incorrect, and that there was a recent change of policy. I find that unacceptable. My credit is now negatively impacted because US Bank 's employees are unsure of policies and are not informed of policy changes. I specifically asked in advance if it would be an issue, because I did not want my credit negatively impacted for NO REASON. Their solution is for me to APPLY FOR ANOTHER TYPE OF LOAN WITH THEM! Great, that would result in ANOTHER hard hit to my credit. And not to mention, how am I to know if I am being told the correct information again? Unacceptable business practices.

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 2022-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio first contacted me in XX/XX/2021. I sent a letter to cease and desist communications until they validated the debt. They failed to do so and now the phone calls are back and was also threatened with harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: TN
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 victim of identity theft. I have contacted Equifax and they keep saying that have not received the documentation. I have sent it to them several time without any response. Please delete this inquiry for XXXX XXXX made on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I was notified by XXXX XXXX XXXX that my XXXX access which was the primary benefit of this card would be significantly reduced beginning on XX/XX/XXXX. The Annual Fee for the American Express Card is {$550.00}. The terms of the card have significantly changed, and I was not notified within 45 days as required by the Credit Card Protection AcXXXX of 2010. Additionally, significantly reducing the primary benefit of the card while continuing to charge an annual fee of {$550.00} is unfair, deceptive, and affect commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, 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:
XXXX  XXXX XXXX  XXXX {$350.00} ( charge-off ) & XXXX XXXX XXXX  {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation.

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Conns XXXX XXXX started calling me on XX/XX/XXXX. Thwy are looking for someone named XXXX. I received 2 calls on the XXXX, XXXX on the XXXX, XXXX on the XXXX, 1 on the XXXX and one today ( XX/XX/20 ). I have explained to them that they have the wrong number. I have blocked their number, and now Im issuing this complaint. Each time I block a number, they call from a new one. When I tell them that there is not an XXXX here and that this has been my number for over a decade they say that Ill be removed. Sadly, they just keep calling me. If this continues, I will have to contact a lawyer and sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: JPMORGAN CHASE & CO.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
At XXXX XXXX, I traveled with my friend from XXXX to XXXX. My friend is at North Dakota, I picked him up at North Dakota, then we went to XXXX. My friend told me " He use his account number to pay my bills '', then I added his account numbers to my account. Then we finished our travel plan, I told him to paid my bills for our travels ' bill, then I used his account to paid bills for travel. When I paid my bills, my friend told me he lost his card, and he want to told his banker to get new card then we report this situation for local police office. However, his banker help his to reversal several transactions from my account. The second day I received alert information form CHASE, that is showed me I am fraud for those transactions. Then I saw those informations, I immediatly called bankers to told them my situations for that case. Before that, we had report to police office. But today I received E-mail from CHASE, that showed me they will close my account, give me 3 reasons. But those reasons are not mine. Every time, I paid my bill on time, and whole bill not partly bill. I never get this situation.Still now I have some benefits for my CHASE, they did not return that to me.I think that is very unfair to me to close my account by XXXX. Please, check it. I promise every words are truth.I have case number by police office. For this case, I have been report to police, a policemen have been called banker to open my account, the banker promise the policemen I can use my credit card, but now I can not use my card for CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: ALLY FINANCIAL INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went into XXXX XXXX  in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX  on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on XXXX. On my XXXX  report, they had said that it was from Ally Financial, for the same amount, but different date being XX/XX/XXXX. I called XXXX  and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of Ally Financial, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with Ally Financial or XXXX XXXX. Also, upon looking at my XXXX  report, I noticed that they had an alias that was associated with my name. I have never had an alias.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section 602 A. - States I have the right to privacy.

Section 604 A Section 2-states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) and 1681s 2 ( A ) ( 1 ) Transunion doesnt allow you to dispute this for some reason

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX deleted a bankruptcy off my report and then added it back to my report and i have proof from a report generated by XXXX. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires.Factual data is report 2 inquires and i only authorized them once. 

XXXX refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report XXXX inquires and i only authorized them once. 

Transunion refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

Transunion needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report 2 inquires and i only authorized them once.

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 2022-05-04
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:
I have submitted multiple complaints about my file to the bureaus by certified mail and I have receipts. They continue to report the wrong information. Experian specifically has not investigated my file according to what I can see.

Experian continues to report that I'm late : " 2 or 3 '' times. The FCRA states that everything must be 100 % accurate and verifiable. They have not investigated this as I can see the reporting date is many years old and they have failed to provide any documentation

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: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a Hunter Warfield account across my XXXX credit bureaus with the # XXXX. Personally, I, XXXX XXXX living at XXXX XXXX  XXXX  # XXXX XXXX XXXX, FL XXXX through all my years on this Earth and living at this address the past 10 years have never one came across or did business with the company listed above. The activities they are engaging in is illegal and I am willing to proceed with legal action if I don't get a response within 15 days with this unknown debt of {$18000.00}. I have had my identity compromised in the past however, this is absurd and according to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy amount other things which Hunter Warfield are in violation as I never gave you my information directly, and I, XXXX XXXX a consumer in fact, agree with Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. code 1692 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
In XXXX of 2020, Kohls Store reported late payment and bill was paid off. 

I need Kohls to remove late payment from my credit report.

Company response to consumer: Closed with explanation