BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

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 2021-06-25
Company: CITIBANK, N.A.
State: CA
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 theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2022-10-08
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 have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. 

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. 

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within XXXX business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

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 2021-06-25
Company: CITIBANK, N.A.
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: TN
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: ABR Recovery Services LLC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABR recovery placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which XXXX  said was uncollectable. It was taken off my report and thought that was the end of it.

On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off.

It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I went to XXXX XXXX on XX/XX/2022 with a pre approval letter from XXXX XXXX. I told the sales rep that I only wanted my credit to be ran through XXXX  XXXX. The sales XXXX XXXX said no problem. The dealership was getting ready to close, the sales rep said XXXX dealership will process my loan on XX/XX/2022. I met with XXXX XXXX who talked me through my paperwork. I stressed a second time, that I didnt want my credit ran with a bunch of companies. He said no XXXX XXXX we ran your credit through XXXX which came back at 14 % ARP. Then he said we tried our finance company that came back with less. I said okay. He told me that I still had the sign the document that had all the lenders listed. But he again said to me, dont worry we are not going to run your credit against those lenders. I started receiving denial letters which indicate that XXXX from XXXX lied and was very deceitful. Those inquiries were done under false pretenses. It was a slap in the face and when I called him out on it, he turned it around and stated you signed the document. How conniving of XXXX XXXX to do that.

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 2023-01-12
Company: EQUIFAX, INC.
State: PA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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
Consumer complaint received 2021-04-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 mortgage was paid in full. On XX/XX/2021 a mortgage payment of {$860.00} was withdrawn from our account causing an overdraft. The bank was called and the mortgage paid in full on XX/XX/2021 was acknowledged. I was directed to discuss the matter on XX/XX/2021 with the mortgage company. They directed me back to the bank as there was no longer a mortgage and they did not do the withdrawal. I called BMO Harris and was then directed to my bank in XXXX XXXX AZ. I asked for the Manager XXXX ....? and was told she was busy and would call back. This was XX/XX/2021. A gentleman called me back. I explained the situation and the now updated account with an additional {$36.00} overdraft charge. He told me this would be taken care of, and within the next 48 hours the Overdraft would be reversed and the {$860.00} would be returned to our account. On XX/XX/2021 nothing had been corrected. I again called BMO Harris in XXXX XXXX and asked for the manager - XXXX ...? I was told she was busy and would get back to me. The same gentleman called and said the correction and overdraft would be corrected in 72 hours. On XX/XX/2021 there are now overdraft charges to the sum of {$56.00}, the payment has not been refunded and the manager is out of the office. 
I want the payment returned and all Overdraft charges reversed. I do not understand where this money would have gone as there is no mortgage account to pay? Is this theft? Fraud? I am not sure. A simple computer mistake because of dates is acceptable. This has gone on far too long to be more than a 'clerical ' error - in my opinion. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Requested an updated auto transcript and was sent a pin which does not work to download it. I requested an overnight XXXX XXXX with a new pin and was refused. I am requesting an immediate download to my e-mail address. I can understand why LexisNexis has a D- rating with the XXXX which overrated. 

LexisNexis failed to correct the matter and is stalling by responding " investigating. '' I forwarded this message with no response : That's why you have a D- rating because your response mirrors your rating. Instead of being proactive and resolving the pin problem you role play : Youre investigating like Congress so you can delay the solution and not answer specifically. Furthermore, you have not specifically stated whether or not you will e-mail me a working pin or XXXX XXXX me over night as requested. Finally, you did not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for a credit card after many promotional emails, a prepaid card with discover. The fee was minimum XXXX XXXX .I paid XXXX $ for prepaid credit card ... They sent the plastic card by mail ... i wasnt able to ever use the suppose to be open account. They claim i needed to send 2 years of IRS history/taxes. 

I am XXXX. I never had a card before, i was trying to open credit for the first time to help myself get an aparment on the future. 

They were super rude to me back on XXXX XXXX ..very nasty because i dont work and only receive income for XXXX. After 4 hours on the phone, not able to use my card..and hungry on the street. They told me there was no way for them to active my card due to me receiving XXXX, not working I asked them to refund the XXXX XXXX they told me they will only refund after 2 billing cicles knowing the card was never actived..and never used of course. If they were closing the account then theres no billing cycles either ... .I waited 3 months and the XXXX $ check refund never came by mail as promised. This was discrimination and also stole the money. Yes this is the real discover company. I have the letter on hand. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It appears that several items were not update & false information continues to report via Credit Report Bureaus. I've reported that Late payments listed on Accounts are inaccurate, due to being a certified victim of ID/Credit theft & Tax fraud XX/XX/2022 XXXX. Unfortunately, several items remain erroneously reporting and adverse penalization is continuing to harm me as a consumer due to these misreportings. 

XXXX is still being charged to Remove Late payments on All Accounts from XX/XX/2022 - Mark No Data ( is acceptable ) instead of Late. As my personal information and privacy were breached during this breach & the information in those reporting is accurate. 

I've provided verification with IdentityTheft.gov reports, Police Department Report, Attorney General 's Verification of Fraud Victimization and am seeking necessary steps to ensure the bureaus are held accountable to honor what the experts with Fraud Departments at IRS, Police Department, Attorney General, XXXX XXXX XXXX XXXX and other Fraud Agencies are too. 


NRS598C.110 & NRS 598C.160 both touch on the responsibilities of Credit Reporting Bureaus/Agencies and their fiduciary - Duties to uphold pertaining to the rights of consumers having accurate information on file for them.

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 2016-01-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX year old man trying to hold on to my home. I was two months behind when I contacted XXXX XXXX around XX/XX/XXXX at Nationstar bank trying to set up a payment plan. After about an hour or so being on the telephone we hammered out a payment plan : The agreement is as follows : XXXX payment for {$290.00} Confirmation # XXXX : XX/XX/XXXX payment for {$1000.00} Confirmation number XXXX, XX/XX/XXXX payment for {$1000.00} confirmation number XXXX. 
Prior to the confirmation of the payment arrangement by Nationstar I had to be qualified on on the telephone. Per Nationstar instructions a telephone call had to be made every two months to set up the automatic payments going forward. I contacted Nationstar who gave me a confusing answer about my payments, Nationstar said they were returning 3 payments back to me of {$1800.00}? According to the payment plan which I have kept, Nationstar should have received the aforementioned payments of {$290.00} and {$1000.00} which does not equal {$1800.00}, because I have never received a escrow analysis I have no idea what the lender is holding in my escrow account to be applied to my payments. 
Nationstar in my estimation is trying to take my home illegally, despite the fact that I made arrangements with them to pay back my loan, Nationstar is breaching our agreement, and I am to old and frail to fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on forbearance with XXXX XXXX my loan is actually a XXXX XXXX. I took myself off forbearance because I got a new job and was happy to start paying my mortgage again. This was in XX/XX/2021. XXXX put me on a " trial '' modification for XXXX, XXXX, XX/XX/2021. I paid XXXX, XXXX, but mid XXXX I was exposed to a positive case of XXXX at my new place of work. I got tested and was positive within days I was ill and had to quarantine. It turned into pnemonia which extended my recovery. Because I am a brand new employee with no sick time accrued and the sick pay protections expired ..... I had no income at all and could not pay the full amount of my {$1400.00} last trial payment for XX/XX/2021. 

So I sent a check on XX/XX/XXXX for {$800.00} with a hardship letter stating I was going to pay the rest XX/XX/XXXX. I received no response. I called and was told to turn in a new Borrowers Assistance Application. I certified mailed it. On XX/XX/XXXX I received a letter of deafult and demand to pay 28k by XX/XX/XXXX. 

I reached out to HUD and applied for the CALIFORNIA MORTGAGE RELIEF grant. I am 100 % qualified and meet all the criteria. My application is stuck on hold because XXXX will not provide me with my current mortgage statement. They have been extremely unprofessional, unorganized and have told me I had nothing to worry about but when I call and speak to someone else they tell me no assistance for me is available and headed for foreclosure. Its been the most stressful situation in my life as a single mom. 

To make things more difficult XXXX has been purchased by Freedom Mortgage. The Cal Grant needs my information so they can apply the grant funds to my default past due amount. XXXX is refusing to provide that as well. I called Freedom Mortgage and they said they have no record of my loan whatsoever. 

I dont know what to do? There is a wonderful grant waiting to help me out but the red tape is blocking it from happening and the days are slipping by. 

Can someone please help me get to the bottom of this? I have a little boy I am responsible for and no family near by to 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 explanation
Consumer complaint received 2023-02-24
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a XXXX dollar loan making XXXX dollar payments and the balance goes nowhere but higher they expect me to pay 102 % interest XXXX dollars for XXXX total redicluos and should be against the law I can't afford that kind of money how many other people are they XXXX  over

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Andrews & Cox, P.C.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX left a message on my managers voicemail on XX/XX/XXXX stating that he had received my complaint and either me or my legal counsel need to contact him. File # XXXX. I received a call on XX/XX/XXXX starting that if they didnt hear from me they would be turning it over to XXXX County to collect. I had until the end of the day or XXXX XXXX  the next day to reply.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-11-01
Company: Nelnet, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MyXXXX XXXX was transferred on XX/XX/XXXX to Nelnet in the amount of {$8000.00}. On XX/XX/XXXX I paid Nelnet {$4000.00} and the remaining balance of {$4000.00} on XXXX. To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. 

I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once Nelnet reports that the balance will fall off my report. However, I last spoke to Nelnet on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. As of XXXX when I last spoke to Nelnet they state that they have reported to all credit agencies. The report is not reflected on my XXXX report. The Nelnet XXXX  XXXX  advised that there was nothing they can do to further assist me. 

I have also disputed this balance 4 times and everytime the credit agency sends back that the balance is correct. The XXXX stated that there is nothing they can do even though I have provided all the proof. Nelnet states there is nothing they can do because they have reported the XXXX balance. I am stuck between these 2 companies and need help resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I went to the Wells Fargo branch at XXXX XXXX XXXX XXXX in XXXX XXXX to make an atm deposit. I inserted {$240.00} into the machine. The machine started spitting bills back and ultimately could not complete the deposit. I requested that the machine give me my money back. It proceeded to provide me with {$140.00} and ate a {$100.00} bill. I opened a claim with Wells Fargo within XXXX minutes. I followed up with them about XXXX weeks later and they told me the claim had been erroneously closed. I opened another claim. I just spoke with them today and they informed me that the XXXX claim was closed because they counted the money at the teller and it showed I only deposited {$140.00}. The money was eaten by an ATM so it would not be at the teller, which I have explained to them multiple times. I have even offered to provide them with both the bank and the atm numbers so that that they could further look into it and I was told that they did not need that information. I have gone ahead and closed my account with Wells Fargo due to their horrible customer service and their lack of investigation

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