BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Date : XX/XX/XXXX Total of {$2700.00} Things purchased : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these things were purchased on the dates of XX/XX/XXXX, and XXXX of the year XXXX, the first 2 purchases were made at the same location of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The last purchase was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted Best Buys customer service on XX/XX/XXXX and they told me that they will close out the old credit card first used for the first purchases and provide me with a new credit card number. On XX/XX/XXXX the last purchase was made with the new credit card number provided by Best Buy. I am just wondering how these credit card fraudsters managed to get my new credit card number when I dont even have the credit card yet. My credit balance is also a max of {$3000.00} and now there is a total of about {$3900.00} that I owe to that credit card.

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 2023-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and information listed on an id theft report. The items in question are as follows : XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021. I can assure the Credit Bureaus that I did not open these items or authorize anyone else to do so on my behalf. This is a clear a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER 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 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 Balance  : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$700.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance  : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-12-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I wrote a check to a business in the amount of {$250.00} for shower repairs. The check was written using a checkbook supplied to me by my financial institution, USAA. On XX/XX/2021, I was contacted by the business regarding the check. The check returned unpaid by USAA. Due to the check being returned, the I had to pay a {$25.00} returned check fee to the business in addition to the {$250.00} charge for services rendered. The account had ample funds to cover the check and there was no reason for USAA to not honor the check. 

I contacted USAA by phone on XX/XX/2021 to obtain information as to why the check was not honored and to request reimbursement of the {$25.00} returned check fee that I had to pay due to USAA not honoring the check. I called multiple times, spoke with multiple parties, and ended up on the phone with them for hours. 

I repeatedly offered to send them a copy of the check to research. In addition to not providing any information about the check, including not providing any information as to why it was not honored, they refused to reimburse me the {$25.00}. According to USAA, they will NOT reimburse any returned check fees that are not USAA initiated. I repeatedly explained that I had to pay a returned check fee because they failed to honor a check that should have been honored. They again stated they are not responsible for any returned check fees EVEN IF the returned check fee is due to their failure to honor a check that should be honored. 

I have no answer as to why they refused to honor the check and I had to pay {$25.00} due to their failure to honor the check. Despite this, they refuse to reimburse me for the charge. I confirmed that the information ( routing/account number ) on the check is accurate so I am at a loss. 

I am from a military family and I have always praised USAA. I have also worked with them for several years in a professional capacity. I am truly saddened by how poor their customer service has become and that they refuse to reimburse clients who are out funds due to their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: TX
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 sent a letter on XX/XX/XXXX 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 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 the listed items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XXXX XXXX XXXX. Ive already included this in my previous Complaint # & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX Also address and my name is wrong!

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 2017-04-05
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has denied that it knows who I am in response to the last complaint, when my name and my address ( of the home which has the mortgage they own ) is clearly stated on the complaint. Characteristically, it demands the account number just to be difficult. For the company 's information ( it does NOT need me to tell it this ), the account number is : XXXX. 
Not only is it charging me late fees of {$120.00} regardless of the fact that I paid on the due date ( and late fees are not stated to be {$120.00} ), but I paid up the account in full to include all of their fraudulent charges last month, and this statement has not deducted ANY of that, and STILL shows me as owing the same amount as before. I believe that there is a serious problem with their systems and this is suspicious. They need to be audited by people who are very familiar with technology and can examine their code. If you need someone, I can go with the inspectors. I develop software for a living. 
I 'd like to remind the person reviewing this complaint that immediately before changing its name, Ditech used to be named Greentree. Greentree was fined by the government for a total of {$63.00} XXXX for unlawful / fraudulent charges and failing to maintain programs. It seems that Ditech has continued its business practices, attempting to use the name change to deflect suspicion. This will not work long term.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2017-02-18
Company: Rent Recover, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2017 i checked my credit report only to find an account in collection, i had no knowledge of this debt and proceeded to buy a XXXX bureau credit report ( {$50.00} value ) to be able to find out who to contact about this debt. The company Rent Recover reported to XXXX and XXXX that i had an unpaid debt of {$140.00} to an apartment complex called XXXX XXXX from which we rented an apartment for a year and a half, the lease ended with no problems and we gave the management our new address were they could reach us. When the lease application was submitted we included all our XXXX cell phone numbers and email addresses, I even have several emails from the management communicating with us, which leads me to my question of why they send that debt to collections ruining our credit ( my credit score dropped about XXXX points ) without even contacting us, I asked the management why they id not contact us to notify us about this issue and their answer was that they are to busy to be calling customers. This is totally unacceptable, i believe that reasonable attempts to contact the debtor should be made before ruining someones credit score. 
Note that the debt was paid in full that same day to the collector.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-31
Company: EQUIFAX, INC.
State: OH
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:
Sent several letters out to XXXX, Equifax and XXXX about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, Equifax and XXXX asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-03-01
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a pre-approval with XXXX, Branch Manager ( NMLS # XXXX ) with New American Funding Mortgage Company. I explained to him up front XXXX ( my father ) and XXXX ( my boyfriend ) would be applying for the mortgage. I XXXX and XXXX ( my boyfriend ) would be living in the property my father would not. My father was willing to help us out in getting the loan. We provided XXXX with all the items he requested to get us pre-approved. 
On XX/XX/2017, he provided us with a pre-approval letter for {$140000.00} with 3.5 % down going FHA. We presented the pre-approval letter to our realtor and we went out to find a property. We liked XXXX in XXXX as we felt it was suited for us. We wrote a contract, ran the numbers over the phone with the lender, before we presented the contract to the seller. Seller reviewed and accepted the contract so we proceeded in retaining an Attorney, hired a home inspector and radon inspector. To date we have spent {$500.00} out of pocket for the inspections, provided {$1500.00} in earnest money, and not sure how much out of pocket we 'll be with the Attorney. 
After the inspection, we find out from XXXX the company he works for ca n't move forward with the loan. None of this make sense to us as he knew upfront what we were doing as we were upfront and honest. He came back and told us we could not purchase with 3.5 % down as my father and my boyfriend are not blood related and underwriting would not allow him. If we did want to purchase he said we 'd have to put down a hefty down payment. One which we do not have. If we would have known this upfront we would n't have spent the money to go hire a home inspector and release earnest money. We feel we were misled by XXXX, Branch Manager ( NMLS # XXXX ) with New American Funding. 
I would like for New American Funding to return the costs associated with the home and radon inspection of {$500.00}. I am currently working with my Attorney to get my earnest money returned. I called the corporate offices of New American to file a complaint and requested to speak with XXXX Manager but never received a phone call from him. After waiting for several days, I called the corporate offices again and am disappointed on how this is being handled as if it 's like no one cares. I 'm still waiting for a call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Charged separately per overdraft even money was made available wouldnt reverse and now they dont charge 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 explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXXXXXX 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 XXXXXX/XX/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 XXXXXX/XX/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 2020-07-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was eligible for the PSLF program. I was misinformed multiple times regarding this program by Navient. They told me I was on track with my payments and was eligible for the PSLF but that I didn't need to apply until 2017 for the PSLF program. When I applied in 2017, the PSLF program told me I qualified for the PSLF but that none of my payments I had been making from XXXX qualified because I didn't refinance my student loan through XXXX XXXX. I was never told this by Navient. I spent 7 years paying on student loans that I was led to believe on multiple occasions went torwards the PSLF forgiveness program. I was told multiple times when I called Navient that my loans were on track for the PSLF program. I was never told at anytime by Navient that I needed to refinance through XXXX XXXX in order to have qualifying payments. I am now stuck with the remainder of my student loan that was supposed to be forgiven because I took a lower paying public service job in order to qualify. It will take me many years to try and pay this off.

Company response to consumer: Closed with explanation