BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018, XXXX XXXX XXXX received certified letter requesting proof of original application, contract, any an all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), XXXX XXXX is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition XXXX XXXX received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since XXXX XXXX has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: DISCOVER BANK
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to Discover for a personal loan.. 
( They do that now ) I was surprised that I was denied I press the button for info on why I why denied. It stated an issue with a Discover card in XXXX In XXXX I was close to death And my criminal brother illegally used my credit cards. When I started to recover I Made a police report and every credit card company reversed or dismissed the charges. Discover card dragged me through court even tho I could barely walk And LOST. Now they are denying me a loan and possibly negatively effecting my over XXXX XXXX XXXX with a loan denial Because of a case that they LOST 13 years ago??? Even if Lost NYS statues of limitations is 6 years. My main concern is damage to my credit rating because of a case 13 years ago that they LOST in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was locked and then closed by Citibank. I received an account closing notification letter from Citibank fraud department on XX/XX/XXXX saying that Pursuant to a recent review, it has been determined that we can no longer service your account ending - xxxx and your other related Citibank accounts. I still have about {$24000.00} in my account at the time they locked my account. The letter also mentions that Citibank will issue me an official check after the closure. They closed my account 3 months later on XX/XX/XXXX. I called Citibank multiple times and to check the status of my money like when can I get my money back. They kept telling me they will issue the money back. However, today XXXX XX/XX/XXXX XXXX, when I called the Citibank again and they told me the XXXX {$24000.00} on my account doesnt belong to me and they will not send the money back. I asked the reason why but they cant provide a legit reason and told me thats the decision of the review. I cant believe that they will hold my money and not giving me back. Every single transaction in my account is legit and then I lost XXXX {$24000.00} for no reason? I need help from CFPB to get my money back.

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 2020-12-15
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federal protected consumer. CarMax, is attempting to collect alleged debt and I have responded to the with my Affidavit of Truth. Since it's been 30 days have gone by with no response from CarMax. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
A few months ago, I had filed a complaint against AES for Deceptive and Unfair practices per a private educational loan for $ XXXX I had secured back in XXXX. See Complaint ID : XXXX AES had this student listed as someone who made an initial repayment on the loan and then suddenly stopped making further payments. This resulted in being Blacklisted as Defaulted Loan Presently 90 or More Days Delinquent. Indeed, AES had the following notation in my Credit Report ( CR ) : AES 120 - 149 Days Late. After initially complaining to CFPB about this deception, AES appeared to have fixed the report by updating the CR to reflect : Your account is current! However, to my dismay, I recently on XX/XX/XXXX, applied for a Grad Plus loan but was denied based on what AES was now claiming, that being, " Defaulted Loan Which Has Been Claim Paid. '' There is no doubt this labeling creates an adverse circumstance that resulted in this student being denied a regular XXXX XXXX loan. See attached copy of Letter of XXXX from Federal Student Aid.

At this juncture, it is important to note that " Any Title IV debt that is currently in default '' serves as a legitimate barrier for consideration for a student loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX is reporting two public records ( bankruptcy ) on my report which i have even sent in a letter to them saying that the court house does not disclose or release information to these companies,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CITIBANK, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want to complain about Citi mortgage service. 
I applied for refinance back on XX/XX/XXXX. However, it still hasnt been closed now ( Today is XX/XX/XXXX ). so Its been 6 months without closing. The due date and rate lock due date shows on their website is a joke!!! The date was postponed 3 times until now. I was asked to submit some documentation on XXXX XXXX but after that I havent heard anything back from them. I tried to directly email, call the loan officer, associate, assistant that used to have communication with me. but I got nothing. no email reply. thousands of voice mail, but no picking up. Finally the loan officer gave us a call on someday XXXX, XXXX, but the conversation didnt help at all, just let us keep waiting. 
I am also a XXXX customer, and the customer service also doesnt help at at all. They just redirected me to the mortgage department. and speaking of mortgage department, its the worst customer experience I have ever seen. Not only because I was treated rudely, also not helpful at all. I called them for any solutions. Guess what they proposed. They told me to cancel the mortgage. Excuse me, if I want to cancel the mortgage, why would I waste time calling you? 
Today I got an email form them to provide some updated docs, but the mortgage is still pending underwrite. I emailed back and ask for them to give me a call back. but again. I was ignored. 
I do appreciate the competitive rate they provide, but Im actually losing money if I keep waiting for close. 
I really want to type the name of the loan officer and associate here, but it will be against the rule.

Im really exhausted working with Citi at any point. I just wish the mortgage can be closed soon. If they postpone the due date again, Ill definitely consider canceling it. So disappointed.

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 2021-06-29
Company: Mr. Cooper Group Inc.
State: MD
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:
Have continually requested information concerning Nationstar. Mr Cooper regarding ssues with payment processing, unauthorized withdrawals in the amount of XXXX dollars and most importantly agreements to terms of loan as we never intiated, signed, or even aware of how loan ended up in the hands of this XXXX awful mortgage company, as we were initially doing business with XXXX XXXX. When You notify NationStar of their fraudulent behavior they make threats and negatively and fraudulenty report to creditors, causing great consumer harm. It is amazing that this company has been sued by multiple people as of recent and still allowed to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX XX/XX/XXXX I submitted an online payment to Hyundai Motor Finance ( HMF ) in the amount of {$14000.00} to pay off the final lease payments and purchase a XXXX XXXX XXXX. 

I requested that the title be sent via XXXX, but nothing ever arrived. After about a month, I contacted HMF and was informed that they had sent the title by XXXX and instructed to wait for it to arrive, but they would also send a letter of no interest. 

On XXXX XX/XX/XXXX, I called HMF again to inquire about the status of the title and letter of no interest. An agent named XXXX told me that the title had been returned by XXXX to HMF on XXXX XX/XX/XXXX. I was transferred to a special agent named XXXX who told me that he did not have a record of the title being returned to HMF. He said they sent the letter of no interest on XXXX XX/XX/XXXX, but that never arrived either. XXXX instructed me to send a letter requesting a duplicate title plus a check for {$15.00} made out to the Virginia DMV. That letter was sent by certified mail on XXXX XX/XX/XXXX and it was signed for at the HMF Titles Department on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX I called back to find out why the DMV check had not been cashed. I again spoke to XXXX who told me that they have no record of receiving the letter/check. I gave him the tracking number on the certified letter, and he said he would forward it by email to the titles department and to call back in 5 business days for an update. 

On XXXX XX/XX/XXXX I called back and again spoke to XXXX. He said there has been no update. He said he would send another letter of no interest via XXXX and he said he would again escalate the issue by email to the titles department. 

It has been nearly four months since I paid off the vehicle. I am unable to sell it because I don't have the title, and HMF has not given me any indication that they have processes in place to remedy this issue. The {$14000.00} that I spent on this car represented the bulk of my emergency savings. My intent was to sell the car and recoup that money. The value of the car is decreasing the longer I wait to sell it, and I am also continuing to pay for auto insurance on a car that I am not using.

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 2023-11-03
Company: Alorica Inc.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was informed on XX/XX/2023 that the Louisiana Servicemember Civil Relief Act can be applied to any creditor over a 6 % interest rate while i was on XXXX XXXX XXXX XXXX stationed in LA. I tried to get them to apply this state law ( specifically section 29:312 ) to my accounts and receive a refund of anything in interest I've paid over including closed accounts and have my current one dropped to 6 % and was denied with no real explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On 05/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. handle this XXXX asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has obtained my information unlawfully, Equifax and sharing my information without my written instructions to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: NAVY FEDERAL CREDIT UNION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

NAVY FEDERAL CR UN XXXX Balance {$10000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/, my husband who is also an account holder on this checking/saving account tried to use his debit card to pay for a work related purchase near where we live His card declined, so he checked the balance on our Wells Fargo app and noticed several charges in XXXX, XXXX XXXX  , XXXX XXXX  XXXX , and on other websites. He called me as he was needing XXXX XXXX  for work and could not stay on a long call with the bank at that exact moment. I called Wells Fargo to report the fraud and cancel my husband 's card. There were 22 charges, totaling that drained our account. A claim was opened and my husband was also able to call in to validate some information with the bank that was requested. This was all done and the card cancelled within just a couple of hours of the charges occurring. 

I called to check today, XX/XX/XXXX on the progress and was told that {$530.00} and some change of those charges were not fraud as the pin was used and we must have given it to someone. The bank would not tell me how they concluded this as the charges were out of state and during the same timeframe. They offered only to send a letter explaining and told me to file a police report but that Wells Fargo was done with the matter. 

I would like my {$530.00} back as these charges are fraudulent and were unauthorized and my bank did a poor job or stopping any of this activity or notifying me of anything occuring. I do not believe this is an appropriate solution. I will be filing a local police report as well.

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 2019-12-06
Company: ERC
State: CA
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I received a letter stating : We are in receipt of your request for validation. The account has been updated and placed on hold in an investigatory status. We will request documentation from out client.

and On XX/XX/19 I received another letter stating : Unfortunately, we are unable to provide the requested documentation within a reasonable time frame and as such ERC has ceased all collection activity. Further, we have requested the account be deleted from any consumer credit reporting agency files to which we may have submitted information. Consumer reporting agencies may take 30 days or longer to update consumer reports. 

XXXX XXXX it was still on my credit reports and I disputed with XX/XX/XXXX and on XX/XX/XXXX I received the following message on behalf of : The company that reported the information has certified to XX/XX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 

I have not received any other mail from ERC in reference to the account or its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: CA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation