BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-21
Company: 4M Collections, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A landlord, XXXX XXXX, in XXXX, Wa, filed and served an unlawful detainer upon myself and boyfriend by posting notice on the apartment AFTER we moved out. The boyfriend was in XXXX for a XXXX XXXX charge against me at their apartment. They knew he was XXXX XXXX XXXX and accepted the notice I provided them. The month by month contract may be broken so victims can relocate to safe, affordable housing. I provided a forwarding address where they mailed me my refundable security/cleaning deposit, an address also listed on the moving notice I provided them and their rental application. 
They knowingly improperly spelled my name on the court documents. They failed to properly serve us, and two days after knowing the apartment was vacated, posted notice they knew we would never receive. 
They won an unlawful detainer and judgment against us that we learned of three years later from a debt collector XXXX XXXX aquired and again, ten years later, in XXXX, another company, 4M corporation, also in XXXX, WA, tried to collect, this time filing a property lien on us before we were able to appear in court to respond. 
They had provided lawful service and we filed response and spoke in person to 4M when we provided working court copies. 4M told us due to this new information the court date, in two days, would be stricken. But, it was n't and we appeared and they did not. The judge called the office and was told they forgot to strike the hearing.
There apparently were more filings on this case a few days later that we were NOT properly served or received. So now nothing has changed or happened to resolve this in court. The unlawfully obtained judgement has been addressed but 4M is n't doing anything to complete their action against us. How any property lien even stand when the collector wo n't appear to be disputed?

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 2017-10-21
Company: NAVY FEDERAL CREDIT UNION
State: MS
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:
Wife & I called XXXX XXXX, ( XXXX XXXX XXXX - XXXX, VA XXXX ( XXXX ) XXXX ), couple of months ago about a hard inquiry, which we of course understand that it was because of accounts we opened through them. however as it should drop our XXXX XXXX " a few points '', mine, through XXXX dropped a whopping XXXX POINTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: LOBEL FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I contacted XXXX XXXXl in XXXX to set up a payment arraignment and in XXXX again because i was needing to split my payments ... in XXXX Just a day before my scheduled payment arraignment lobel financial reposessed my car and every thing in it ... .and than they wanted over {$1500.00} to get it out of XXXX. I was not prepared to pay this amount our set up arraignment was for {$250.00}. XXXX XXXX was the day we had we up to pay the XXXX.. after the vehicle was repoed i contacted lobel and they proceeded to put me on hold for long periods of time, was hung up on, reps and management were very rude and not helpful. And claimed not to have even one notebin the system for a payment arraignment.. now I 've got no car and no job because i needed reliable transportation to keep my job...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
XXXX and XXXX are showing an American Express Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an American Express Card Credit Card, and as such, my credit score with them is much higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
Unauthorized inquiry on consumer report I have informed Equifax, XXXX and XXXX to remove hard inquiries off my consumer report due to not having my consent but they have willfully non-complied. Ive sent in multiple letters on the FCRA laws that govern them and they have still not responded by removing these hard inquiries. 

XXXX XXXX XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third-party with my private or personal information your offenses amount to Aggravated identity theft pursuant to 18 USC 1028 ( a ). You have knowingly transferred, possess, or use, without lawfully authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When I attempted to unfreeze my account at Equifax, I got a message that I had to call them. When I called them on XX/XX/2022 at XXXX I was asked identity questions which I answered to the best of my memory. This information was not good enough where by the person at Equifax sent me a text message to obtain my drivers license and my picture. The text was not working whereby he sent the text to me again. Again it failed to work and then I was informed that, I order to get my credit unfrozen, I needed to send them a letter stating what I needed along with a picture and a copy of my social security card. I asked to speak to a supervisor who actually sounded just like the person who was attempting to help me. 

While I appreciate the company safe guarding my information, I have had no problem with XXXX or XXXX unfreezing my account on XX/XX/2022. I have and continue to have difficulties with this company Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX IS ON MY XXXX AND EQUIFAX CREDIT FILE AND THAT BILL IS ALREADY BEEN PAID AND HERES THE PROOF AND I EVEN HAVE A CURRENT BILL WITH THEM AND THEY HAVE MY STATUS WRONG, THE DATE OPENED WRONG, THE DATE OF LAST ACTIVITY IS WRONG, AND THE LAST REPORTED DATE IS SHOWING WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
I have settled my debt with these companies and they are still listed on my credit report. Some are as old as 2005. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.

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 2017-06-30
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I am reporting The XXXXXXXX Family on behalf of my deceased father. XXXX XXXX is using our late father social security number. They 've stole my identity also, They 've changed my date of birth with XXXX, placed a seven year fraud alert on my credit file. My former employers have been changed fromXX/XX/XXXXAll of my former addresses have been changed. My late father name is XXXX XXXX he was a Veteran. He had a veteran 's loan on the property at XXXX XXXX XXXX TN XXXX. The deed number used to make fraud transactions is XXXX, XXXX, XXXX. There is a deed number that have XXXX no tax associated XXXX & XXXX. XXXX XXXX stole my personal information. Birth certificate, drivers license & social security card. The Family took my information with XXXX XXXX to steal funds. XXXX XXXX is a grandchild and she 's using my father social security. XXXX suddenly moved to XXXX using my information. XXXX traveled to XXXX in XXXX. My late father only benefits was social security. He did not have no where that type of money. XXXX have a XXXX XXXX XXXX in XXXX. I 've done a people search on my father 's name. He was XXXX when he passed away. His social security number is still active & shows he is XXXX. My father passed away on XXXX XXXX. The commercial appeal obituary shows his death. XXXX children is using my late father information. I also paid Attorney XXXX XXXX to pull information for me. He pulled my father 's information also. He have this information on file. This another way I learned of the XXXX dollars.

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 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The United States XXXX XXXX XXXX/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from United States 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 explanation
Consumer complaint received 2017-10-21
Company: Nelnet, Inc.
State: TN
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:
The United States Department of Education/Nelnet is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from United States Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX, is also reporting multiple loans as XXXX XXXX past due and these loans are older than XXXX  years. At no time, have I ever had any written correspondence XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: T.S. Holdings
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, 15 U.S.C 1681 section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction.

I did not give anyone written instruction to report the account listed below to my credit report. 

I.Q. Data International - XXXX

Company response to consumer: Closed with explanation
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, 15 U.S.C 1681 section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

I did not give anyone written instruction to report the account listed below to my credit 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
Consumer complaint received 2021-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated.

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

2. Identity Theft CAPITAL ONE Account Number : XXXX  This is not mine.

3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX  XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02
Company: Velocity Portfolio Group
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of {$12000.00} for a debt with XXXX  XXXX XXXX and Velocity Investments , LLC. The letter states the principle balance is {$7200.00} and Interest Balance of {$5200.00}. 

Please provide documentation as well as check the FDC status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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 XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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 want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a XXXX party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - Date : XXXX - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by Diversified Consultants in regards to XXXX. XXXX XXXX never reduced my bill the amount that I was told for 3 months straight that it would be by switching to their new owner XXXX I switched to a new company for cable service due to this experience. I told them that I do not owe the final amount based off what my payment should have been. I have been receiving up to 5 phone calls a day from Diversified consultants. I explained the situation and that I would be paying the final amount due to the error in billing. The agent became loud and derogatory. I asked that I not be contacted again in regards to this matter. I receive these phone calls every week Monday through Friday while I am at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: LA
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 reached out to the bureaus explained to them by law the had to ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 
I was a victim of identity theft since XXXX I tried to get them to do their job .I sent in ftcs, asked them to investigate the accounts and blocked them the refused too, they have addresses that don't belong to me on my report, jobs, names and etc .I sent the companies letters too over the course of 2-4 months with no reply. ive called spoke to reps asked them to please fix this, I got sick with virus so I stopped for a lil while than my grandmother died due to the virus and I couldn't even get a loan to help cover the funeral expenses because the bureaus refuse to do their job.I explained to them how things happened In my life that could've lead to this, I put it in ftc report like I was told to do by someone when I called, I was robbed walking home from work some time ago, I had all my personal items in there I didn't know I was supposed to check my credit I pulled my credit to get a loan to bury my dad that's when I learned of a these fraud accounts on my credit report .I didn't open these accounts or give anyone permission too .i explained that one of my first cousins and I have the same name I haven't seen her in years and we both stayed at the family house we grew up together in .they had a person name XXXX XXXX and all type of bad information on my credit profile .I asked for them to send me what they have from companies saying these accounts are mine because theyre not. please help me /.I am in a crisis lost my job, lost my grandmother and these people have me on the edge I will be looking into getting an attorney to sue I am emotionally distressed this is wrong .XXXX  is the worst they don't even budge to try to follow the law.can u please have them send me what they used to determine these accounts was mine because their lying their fraudulent this has cost me so much stress

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 2017-10-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/XXXX, my Navy Federal Credit Union Checking account, at XXXX CST showed an adjustment for - {$260.00}. No check had shown to be pending or posted. All that was shown was the negative adjustment. The next day, Friday, XX/XX/XXXX, my account showed a deposit made by my employer for {$270.00} before the very same adjustment of - {$260.00}. With the negative {$4.00} charge I had in my checking account the balance equaled {$0.00} on Friday, XX/XX/XXXX. I called Navy Federal to ask why they adjusted my account before the funds were even deposited into my account. After being very curt, dishonest, and rude, they said that the adjustment was n't made until overnight processing, early morning Friday, XX/XX/XXXX. This was not the case as I checked my Navy Federal account on Thursday and saw the adjustment made before overnight processing had begun and before funds were shown as posted. I requested today, Monday, XX/XX/XXXX to have an internal audit with time stamps showing each transaction as well as call logs and notations made to be given to me and they said I would have to subpoena them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity. My XXXX XXXX credit card : XXXX is lost/stolen. Someone cancelled my XXXX XXXX credit card account. I never called XXXX XXXX to cancel my account.  There are some fraudulent and unauthorized charges on my XXXX XXXX credit card account. I want XXXX XXXX to send me a new credit card with  a new account number.

Company response to consumer: Closed with explanation