BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX ( mortgage processor : NMLS XXXX with Navy Federal Credit Union made duplicate credit inquiries on the credit reports of myself, XXXX XXXX as the result of a refinance mortgage application from XX/XX/XXXX. They happened on the following dates : XXXX and XXXX pulled on XX/XX/XXXX XXXX, XXXX and XXXX both pulled again on XX/XX/XXXX, and XXXX pulled again on XX/XX/XXXX. All of these inquiries were unnecessary and a result of Mr. XXXX negligence with my credit file. As a result, they need to be deleted as they are hard inquiries. These inquiries were in addition to the other inquiries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I want to ensure that I was not a victim of predatory lending practices and I am certain that Navy Federal Credit Union does not want be accused of such. I questioned Mr. XXXX about all inquiries, but to no avail. I have email correspondence as proof and Ive attached the alerts that I received as a result of his negligence with my credit file. His supervisor, XXXX XXXX, was also notified via email, but I did not receive a response from her either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I received multiple calls from NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX, regarding and alleged medical obligation leading to a voicemail being left with an account number to alleged obilgation. I returned the call and was asked for verify myself upon requesting first and last name from representative I was told she was not obligated to identify her while had access to all of my private and personal consumer information insisting i verify whom I was when I was returning a call, she stated she would not be able assist and for safety reason would not disclose her first and last name which violates FDCPA laws further more the representative hung up. I repeated to call back to acquire information as into how this third party I have no entered any contracts with have my personal and private consumer information, I made five calls and each representative declined and refused to properly identify themselves on my third call the rep answered and said in quote " I was crazy " for asking him to identify and that statement caused deep emotional injury and damage. I spoke with a manager who agreed that reps are to identify themselves and should use profane or derogatory statements I asked if compliance would review all calls and we could resolve the violations in private however no one ever reached out to me. I did however start getting emails regarding the alleged obligation with no consent under regulation F but they continue to harass me. Today XX/XX/2022 I called in again seeking remedy and was told again the rep would not provide proper identification i was transferred to a manager who identified his first and last name and made him aware of the violations and he refused to address the matter at hand after asking him multiple times why his reps would not id he placed me on hold to confirm FDCPA laws and came back to the phone stating he doesn't have time to talk about the violations and hung up on me causing more damage and leading to more financial injury as no remedy can be made when they avoid assisting me or acknowledging their harassing and profane collections efforts pertaining to an alleged obligation.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: GA
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:
accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 602 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent verification to XXXX from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( XXXX ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.

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 2021-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Avant Credit Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have had this loan sin  XXXX   XXXX ,  2015 over two years paid the loam on time. I ran in to difficulty in the last few months. I was offered a payment arrangement by Avant however I ask do not direct draft my account. They set up the payment arrangement one time it 'go through I had to wait over 30 days for the support dept to resolve the issue then they cancelled it and created an additional one. Same situation  the direct draft which I request they not do. That one was cancelled. I complained asked for management told it was forwarded to support. I was told they would call me back. Today I was notified it has been report 120 days late. This I believe an attempt to use the credit reporting agencies to harassment in paying this debt. There has been no other communication in writing or phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Consumer Portfolio Services, 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:
On XX/XX/XXXX I filed a complaint on Consumer Portfolio SVC. Consumer Portfolio SVC is refusing to remove " DEROGATORY '' and inaccurate information from my XXXX credit report as XX/XX/XXXX. 

1 ) In my XXXX profile Consumer Portfolio SVC is currently reporting the original loan balance as {$13000.00}. 
On my XXXX Credit Report it states the original loan balance {$12000.00}. 
There are inconsistency in the original loan balance on two of 3 of my credit reports from Consumer Portfolio SVC, therefore I'm requesting all inaccurate information from Consumer Portfolio SVC be removed immediately. The account is closed! 

2 ) This account has been settled and paid in full in XXXX, has never been late. 
Therefore Consumer Portfolio SVC is in violation, as a consumer I have right to a accurate credit report. This must be removed immediately. 

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

Consumer Portfolio SVC has abused, violated my rights as a consumer, I will take legal action against Consumer Portfolio SVC if all this information isn't removed immediately!!

And I ask Consumer Financial Protection Bureau open a thorough investigation into Consumer Portfolio SVC of how they handle consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( TransUnion, XXXX  and XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from 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 2019-07-19
Company: MAJR Financial Corp
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; CHILD SUPPORT- Account # XXXX, CHILD SUPPORT ENFORCEMENT- Account # XXXX, FLORIDA DEPT OF REVENUE- Account # XXXX, has violated my rights. 
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.

Under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) : This account in violation not reporting 100 % accurate as it lists the Child Support court as the furnisher, that's forgery and misleading because the courts DO NOT report this type of account.

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 2019-11-21
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 i was supposed to recieve certain goods from a guy who scammed me through ... I have the entire agreement and that i never received wat i purchased ... The guy stole my money and blocked me everywhere and it seems im helpless to recover my money ... I contacted paypal and the told me there was no unauthorized activity on my account ... Well if i didnt get wat i paid for wat should i call it ... I need help in recovering my money through paypal from that guy and i got all the proof ... Paypal just doesnt care ... I dont have money to just throw around ... Please help me ... Paypal aint right at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
About a year ago, I applied for a credit card with Navy Federal Credit Union and I got declined for causing Navy Federal Credit Union a loss. I filed a complaint and Navy Federal Credit Union said that they did no wrong doing. On or about XX/XX/XXXX I again applied for a credit card with Navy Federal Credit Union. I again got declined almost instantaneously. The peculiar thing about my most recent declination is that my credit report was not pulled, so I believe that I am being declined because I filed chapter XXXX bankruptcy and included my Navy Federal Credit Union accounts. I feel that I have been " blacklisted ''. I feel that this is unethical and unacceptable. Bankruptcy is legal and financial institutions should not be able to hold a bankruptcy, especially when my bankruptcy was discharged in XX/XX/XXXX. I feel that I am being singled out due to me filing bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I personally mailed in my dispute letter with my information certified and they have denied it because they believe that it did not come from me. They believe I am using a third party credit repair company which I am not. This morning I called Transunion to see how I can rectify the matter and I was told that its been denied and I explained to them that the letter came from me directly that I am not using no repair service I asked what my letter was missing since I was going to mail it back in they told me that they could not give me that information and that I can process the dispute online or on the phone which clearly that is not what I want to do. I asked for a supervisor which will get back to me 3-5 days I spent money and time to get these letter written up only for them to denied it because they believe it did not come from me and when I called to ask exactly why and what is missing from my letter for them to believe it did not come from me they could not answer me I am trying to dispute incorrect information on my credit from 2 XXXX XXXXXXXX accounts that are not correct with factual errors and I am requesting for it to be deleted. I also would like to add that the representative that I spoke to hung up on me. I have pictures and proof of the letters I mailed in if needed Might I add Transunion let a debt collector add a collection debt which did not belong to me from XXXX which originally was from XXXX. When I spoke to XXXX they confirmed and removed the collection because they stated my social security had no affiliation and it should have never been put on my credit file obviously Transunion is not verifying and confirming my information and let this collection debt company go on my file and now I see other factual errors which need to be addressed and fixed I do not trust Transunion

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following companies have violated my rights. 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 an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXX | XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | Inquiry XXXX XXXX | Inquiry

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 2022-05-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; CHILD SUPPORT- Account # XXXX, CHILD SUPPORT ENFORCEMENT- Account # XXXX, FLORIDA DEPT OF REVENUE- Account # XXXX, has violated my rights. 
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.

Under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) : This account in violation not reporting 100 % accurate as it lists the Child Support court as the furnisher, that's forgery and misleading because the courts DO NOT report this type of account.

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 2019-07-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX and have a great benefits package.  This is negatively impacting my credit and needs to be removed 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 2022-05-03
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Wells Fargo customer service Calle me XX/XX/2022 to make a payment over the phone. I provided them with my routing number and account number to deduct the funds from my checking account. The payment was processed successfully and funds were taken out of my account. Two days later I received a call indicating I was past due. I explained that I made a payment over the phone but they showed no payment had been applied. They then transferred me to the lost payment department. They requested I print out a copy from my bank account and fax the information over to them. I sent over the fax XX/XX/2022 and received confirmation that the fax was successfully sent. I have called several times times to check and see if the misapplied payment had been credited to my account with no resolution. As of today XX/XX/2022 I am still getting phone calls of a delinquent nature. They have yet to adjust my account accordingly. Whatever you can do to help resolve this issue will be greatly appreciated.

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 monetary relief