BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022 Nations Direct Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan # : XXXX RE : Responding to the letter that was sent on XXXX. 

Hello, My name is XXXX XXXX. XXXX XXXX, myself ( XXXX XXXX ) my mother XXXX XXXX, and my father XXXX XXXX. Have been trying to apply for loss mitigation since XX/XX/2022. It has been extremely frustrating because there are extreme delays on receiving the information. I have called several times to try and get set-up on the loan solution portal system however it does not recognize my loan number, social security XXXX or zip code. Every time I call Nations Direct Mortgage, they have no idea on how to add my loan to the portal system. I have sent items that were being requested 3 to 4 times before properly being reviewed. In the meantime, our mortgage payments are outstanding since the loss mitigation department can not properly approve the submitted information. 

We are fully aware of the outstanding balance. I have been calling Nations Direct Mortgage every day sometimes multiple times a day to get our application process correctly. Regarding the face-to-face interview, phone conference etc. we have no problem having a phone conference call with Nations Direct Mortgage. We have been trying to have someone in the management team contact us for months and no one has returned any of our phone calls. 

Basically, we are extremely frustrated on how the loss mitigation department can not properly submit our information. In the meantime, our mortgage payments are getting behind since the staff at Nations Direct Mortgage can not properly submit our loss mitigation paperwork. Nor have we gotten any calls from the management team in the loss mitigation department that has been requested several times. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Klarna AB
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX. 

XXXX placed XX/XX/XXXX with Klarna- this is an order that was split into 6 monthly payments. Each amount typically totaling to {$41.00}, but things are bound to change due to Klarna 's price manipulations. But besides that, there has been an issue with this order, the quality of the item not being up to par nor meeting the standards of authenticity. I reported the issues to Klarna. They said get in contact with the merchant while the installment was supposed to be paused by Klarna back in late XXXX. Efforts have been futile with both sides so I'm in a dilemma with not having a satisfactory order. I've also been getting alerts on the app that the payment is due on XX/XX/XXXX. Nonstop the order is due, the order is due. Etc etc. On top of that- for this order.. they said on the app that I owed XXXX. Now the price of what they claim I owe for this order is at {$79.00}?? It's all unacceptable & not the first nor last case with Klarna doing this to people. 

Order placed XX/XX/XXXX with Klarna - This is for a merchant I used a Klarna card with. The merchant ( XXXX XXXX XXXXXXXX ) sent me items that were far too small for a person of a tall and big build like mine. A handful of times I reached out to that merchant, without needing to be told the obvious thing to do. With no avail, I told that to Klarna and they told me to reach out to the merchant. Months later, it is the same thing. They claim to pause these orders but then decide to add new prices into the installments that were never agreed on nor has it even been warned about either. I've spoken to their specialists who have claimed to want to help but they have been no help at all, it's all like robotic-like responses. They tell me to provide them the information, I provide them the information. Several days go by after they supposedly review it, the dispute goes away and then they try to charge me again. No humanity on their parts at all. I've tried to ask for a manager too, or some higher up of their corporation but, instead a chat agent for their Klarna app, by the name of " XXXX '', decides to close the chat on me. They don't look to help, when hiccups come about with orders. Instead, they look to squeeze any kind of money they can from people, when issues come about- most especially when it falls on the merchant 's negligence of responding back and or them telling you to get in contact with the merchant, meanwhile they never tried to get in contact with the merchant themselves as well. 

The screenshots I attached are meant to show the discrepancies of what they're trying to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Remove all Fraudulent Accounts 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 explanation
Consumer complaint received 2019-07-09
Company: Alpha Recovery Corp
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted by Alpha Recovery Corp. claiming I owe them {$4300.00}. 

I have been repeatedly harassed by them despite making it clear I do not owe this debt. I legally vacated my Apartment in good standing. Under Colorado state law I am entitled to request they cease contacting me and have not done so. 

I informed XXXX I was vacating on XX/XX/XXXX due to their breach of lease by failing to address basic maintenance issues, filth and allowing the energy company " XXXX '' to monopolize the parking, idle at all hours and engage in work and staging activities by their hundreds of employees occupying the building. 

On XX/XX/XXXX without prior noticed they illegally entered my apartment and locked me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2021 I over paid my credit card bill in the about of {$2600.00} I borrowed this moeny from another credit card that offered me a XXXX percent interest loan for a year to get ahead of my hi interest credit cards in which citi cards from Cita Bank was XXXX of them ive been trying to get this amount I over paid in the amount of {$2600.00} refunded for over a month now every time I call Im told that within 2 days I will receive the money refunded to my checking account they hjave on file for me however this never has happened for the past 5 weeks I need help in getting my money back from these people at citibank my bills depend on getting tis money refunded please help

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 2021-05-06
Company: EQUIFAX, INC.
State: IL
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:
ATTN CXXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The auto loan XXXX is showing closed with a balance. My report is suffering from this. I paid this account off in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XXXX I learned I was a victim of identity theft and fraud and personal loans were taken out in my name. 

I contacted Upgrade and they informed me a loan I did not take out of {$6000.00} was taken out in my name on XX/XX/XXXX. I informed them the email and phone number is not mine. 

XXXX : As instructed by the company I contacted their fraud team informing them I am a victim of identity theft and fraud, and I did not take out this loan and they responded. 

XX/XX/XXXX : I informed am currently working with the XXXX XXXX XXXX XXXX department on this matter and will have a police report shortly and let me know a bank account in question was closed due to fraud. 

XX/XX/XXXX : They emailed stating I have one day to produce documents. I emailed stating I will need more than one day. They continue to ask for my ID. 

XX/XX/XXXX : I asked them to provide me with the government issued ID that was used to take out this fraudulent loan and any documents associated with the fraudulent loan. 

XX/XX/XXXX : They emailed back stating, Please note there were no documents submitted on the application. 

XX/XX/XXXX : A person from Upgrade called me to do a 3 way call with XXXX XXXX bank and I explained the accounts at that bank were closed due to fraud. 

XXXX : They emailed back stating they reviewed my claim but were unable to substantiate my claim of identity theft. 

XXXX : I emailed them continuing to state I remain a victim of identity theft and fraud, I did not take this loan out and included a copy of my ID and the police repot from XXXX XXXX department Report # : XXXX. I directed them to contact the XXXX department with further questions. 

XX/XX/XXXX : I emailed them a Federal ID Theft Affidavit with the XXXX XXXX Report # again stating I did not take out this loan and it is fraudulent. 

In between emails I made phone calls inquiring about updates to status, continuing to let them know I did not take out this loan. 

In XXXX XXXX and XXXX, XXXX all appropriately removed this loan from my credit report with the supplemental documentation provided police report, Federal ID theft affidavit, and my ID. 

After the fraudulent loan was correctly removed from my credit report, XXXX continues to harass me sending me letters I owe them a debt and then wrongfully contacted the credit bureaus stating this loan was valid after being provide all necessary documentation, written communication and phone calls stating this loan is fraudulent. 

I have asked them to stop harassing me and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was filed to my insurance untimely. They have yet to show proof that the date of service in question has been billed properly. Insurance information was given to the provider at the date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 there was an unauthorized hard inquiry placed on my credit profile by OneMain. I've been sent numerous solicitations from the company regarding loan opportunities and it having no impact to your credit score. I never authorized a hard inquiry into my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX I had XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX I made a payment to Navient in the amount of XXXX. I was on maternity leave with no pay after I gave birth so I used the remaining amount in my bank account to pay Navient. I called Navient that next week stating if I could lower my payments because I am not receiving any income do to XXXX XXXX. They stated that my co-signer should be the one assisting payments for me. I explained to the Navient representative that I do not live with my co-signer and I do not have any contact with them. They stated that there was nothing that they could do to lower my payments due to income but they can put my account in forbearance which the interest will still accrue on. I was not given any other options but to choose forbearance so XX/XX/XXXX, I paid the fee of XXXX to start the forbearance process which was 90 days. This past week of XX/XX/XXXX because of the delinquency email I have received that week. I called Navient again and stated that I could not pay the full amount that they were asking for and I requested to have my payments lowered. They said that I had 3 co signers on my account and asked that none of these people could not help me. I stated that there is only 1 co-signer on my Navient loan and no I could not. I have an infant child and little to no income. they asked my to verify how much money I am spending on what, once I verified this information. The representative stated that I would only have to pay XXXX monthly for 6 months, they I would need to reapply. I said that was okay and consented. the representative stated that this was not a forbearance so when I agree on the prompt it will say that but just agree. I agreed and the payment of XXXX was scheduled on XX/XX/XXXX. I had not received any notification that the payment was processed so I called Navient and state my concern they said the day off it may not show it takes 24 hours for the forbearance to show. I told her that the representative I set this up with stating that this is not a forbearance, the new representative stated that it is a forbearance program

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX LVNV LLCXXXX XXXX OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX which also has been violated. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete XXXX ) Account Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am addressing to you this email after many trials I did to resolve this issue with HSBC Bank. I communicated with them through all channels : by emails, I reached the client service by chat several times ( XXXX ), I called them also by phone.I asked recently to talk to a supervisor. The agent notified that the supervisor will call you back ( XX/XX/XXXX- the day after of my call ) at XXXX XXXX, but unfortunately this didnt happen. 

I am not able to use my money from the US HSBC Account. I tried the wired transfer, it didnt work also I tried the global transfer I am getting the same error since more 2 weeks ago ( e.g., there will be 2 working days before you can perform your transfer ) and the same error is always there till the time i am writing this complaint I reached also the financial advisors assigned to my profile and who worked to create these accounts, unfortunately no feedback and no support. 

Please note I am paying interests on late debts as well as lost many investment opportunities because I am not able to use my own money under the HSBC US accounts. 

I need to investigate this issue, and all parties that are responsible of all this late and unprofessional services must be accountatble and the bank have to recompensate me in times, efforts and money i spent to resolve my problem over all their communication channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation