BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting frequent harassing phone calls from a company called NAVIENT., I do not know this company nor ever did business with them, nor do they have any reason to contact me for any other reason. I keep getting harassing phone calls from them to call them back, and that I was an alternate contact for them about an outstanding student loan that is delinquent. I did some research and there a federal Student Loan Management company for the US Department of Education and companies and Debt collectors for  delinquent student loans and other financial services. 

NAVIENT Address : XXXX XXXX XXXX, XXXX XXXX XXXX, DE  XXXX XXXXXXXX XXXX   XXXX XXXX They keep calling me and harrassing me, to call them back and leaving messages about a delinquent student loan. I never had a student loan nor did I ever cosign for one. I never been to college and no collage can say that I owe them any money or any other education company or any other company for a matter of fact. They are a very shady company buying debt loans and adding Thousands on top of the outstanding balance and then harassing people to pay them for money that they just added on top of another dept. Their website says that their not associated with any other USA company. So why are they in operations in the USA? based in XXXX XXXX XXXX XXXX USA. Another shady foreign owned company allowed to operate in the USA under protection of other sub companies like their shareholder company : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY, XXXX XXXX I never took a student loan from any company private or Government runned, I do not owe anyone any money at all for anything. This should make an interesting infestation that dept companies are allowed to add unpayable dept on top of another outstanding dept, that the borrower can not even pay off, and then sending them 100 's  of collection mailings and harassing phone calls, and contacting people who do not even know about the outstanding loan or dept that there trying to collect on. Targeting innocent unaware people for money by harassment and threats about repossessing their property when they have nothing to do with the dept, loan outstanding or their company in any way. Or Just because one family member with the same name or different name took out a loan and the other did not know nor ever co signed for it, and do not even live together, or have anything to do with their business they go after family members for the collection of the outstand dept that the person owes. 

Sounds like a mob operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX  XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX  XXXX Balance {$4100.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX - ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$800.00} ; XXXX XXXX ( Original creditor : XXXX ) XXXX Balance - ; XXXX XXXX  XXXX XXXX Balance {$3300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$3600.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2023-04-07
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:
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 explanation
Consumer complaint received 2015-09-04
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I understand that I have a debt with Discover but they have been repeatedly sharing my sister 's phone number with other agencies when I never supplied that phone number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used to have XXXX.. I wanted to switch to XXXX due to them having better service and them being able to buy me out of my contract ( XXXX ) .. Everything was paid and NOTHING was owed WHATSOEVER! I get a letter in 2017 from a company called " XXXX '' asking me for 73 dollars and some cents ; I don't remember the exact amount, but they were shaking me down for money from XXXX, I called XXXX customer service and asked them what was going on and asked them if i had owed anything and if I was on ANY bad terms with them ; they replied no and that everything looked green on there end.. I have disputed this XXXX " debt '' for a long time asking for validation and proof, and I AM getting no where with my letters I have been sending to XXXX/XXXX/XXXX! Please help! I refuse to pay something I don't owe, and if i were to owe something, how come I cant get SOLID PROOF?

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 2023-11-09
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Our mortgage was transferred over to XXXX XXXX, and that is the beginning Of this issues. The mortgage company failed to apply the tax exemption by XXXX XXXX and overcharged us almost {$1000.00} a month for over a year. XXXX XXXX has reached out to the mortgage company, we have reached out every month to please stop over charging us. They have since reported it on my credit bureau and refused to talk to me on the phone and advise me to get an attorney in order to request notes from my account for further review of my mortgage and actually hung up on me.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is 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 Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened XX/XX/18 Balance {$3000.00}

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 2021-12-13
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Contacted US Bank on XX/XX/XXXX regarding a letter I received informing me of terms of agreement for a US bank Go Visa signature card - a card I had never applied for. When I finally contacted someone named XXXX from US banks supposed fraud department, they confirmed a credit card application had been submitted in my name. They refused to give me any information regarding the application and repeatedly asked for my personal information, ie SSN, etc. I filed a fraud report. The told me the case # XXXX would be submitted and that I would receive a copy of the card application witching 7-14 days. Subsequently, I did receive a credit card from US bank in the mail on XX/XX/XXXX. On XX/XX/XXXX - I received a notice from US Bank from someone first name only given XXXX indicating the account had been closed, but included was a form requiring me to send a notarized letter including my personal information : SSR, and drivers license # - to US Bank - In order to receive a copy of the application and signature on this false credit card application. This is an example of a credit card company opening an account illegally in my name and interfering with my attempts to protect my identity.

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 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX  Account : Capital one acct # XXXX Capital One acct # XXXX Capital one acct # XXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Im trying to make a mobile deposit, but the app is not allowing. When I take the photo doesnt allow to continue, also doesnt allow to writte de amount. 
I tried to fix the issue with customer service, they said I need to reinstall the app. I did it but the issue still there. 
I need to have this fixed asap. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I applied for an auto loan and the dealership provided the required Request for Payment form to USAA. As requested, the dealer provided the Routing Number and Account number. USAA informed me ( the borrower ) that they did not receive the routing number and account number. When pressed ( over 2-3 days of repeated calls ), USAA admitted that they received the numbers but required a different set of numbers to complete an ACH transfer to fund the loan. The dealer immediately provided the requested information via email. Unexplainedly, on XX/XX/2022, USAA sent a bank check to the dealership via XXXX which was received on XX/XX/XXXX. USAA made the check out to the parent company and not to the automobile dealership, as directed. When I called USAA on XX/XX/XXXX to demand that they fund electronically, they refused and offered to put a stop payment on the check and re-issue the check. When I asked whether they would amend the " funding day '' to the day when the check was actually received by the dealership ( expected to be XX/XX/XXXX ), they refused. When I informed the representative that I thought such practices violated Federal consumer protection laws by charging consumers interest on loans they had not yet received, they were still unwilling to correct the funding date. 

Although the difference in the interest amount paid is negligible, if a wide-spread practice, the amounts wrongfully charged consumers may be substantial. If not an actual violation, clearly the conduct constitutes an unfair, deceptive, and abusive act/practice ( UDAAP ). 

Providing full disclosure, I was a CFPB XXXX XXXX XXXX for XXXX XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/22 at XXXXXXXX XXXX  I received a text alert from Transunion stating that a company asked for my credit report and they instructed me to long on to see if it was authorized by me. I logged on and the company was XXXX XXXX XXXX, which Ive never heard of, dont have an account with them, never applied or gave permission for them to check my credit. Transunion was closed so I had to wait until Monday, XX/XX/22 to contact them. I called the number shown on my report for XXXX XXXX XXXX on XX/XX/22 but they were closed. 
XX/XX/22 I contacted XXXX XXXX XXXX, spoke to XXXX. He checked and verified that I had not have any affiliation with their company. He then put me on very long holds several times to check why there was an inquiry. After being asked to hold a 3rd or 4th time I asked for a callback. XXXX called later that afternoon and told me that it was XXXX XXXX who provided them with my information and to contact XXXX XXXX. I contacted XXXX XXXX and was told they cant take it off. Contact the credit bureau or XXXX XXXX XXXX. I have contacted Transunion 3 times about this and all of the companies involved but everyone keeps passing the Buck. 
XX/XX/22 called Transunion again, they told me to get a deletion letter from XXXX XXXX XXXX. I again advised them that I have contacted XXXX XXXX  XXXX, they verified that I have no affiliation with them current, past or present and that they could not remove the hard inquiry. 
They referred me back to XXXX XXXX  and Credit Bureau. I have spent the better of 5 days trying to track down, investigate and resolve this matter that has impacted my credit without a resolution. How are these companies allowed to do this? I understand that companies do soft inquiries, most of which I dont recognize or authorize, for marketing purposes. The soft inquiries dont impact my credit but the hard inquiries that I dont authorize do. 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 explanation
Consumer complaint received 2023-03-06
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$14000.00} to my Barclays Credit card via cashier 's check. Barclays cashed the check but did not credit my account for the payment. I contacted Barclays regarding the issue. They stated it takes 24 to 48 hours for the payment to post to my account. After waiting 3 days, I contacted Barclays again regarding the issue. I was then informed that it takes 7 days instead of 48 hours for the payment to clear. Today is day 8, and still, no payment posted to the account. Again I contacted Barclays to request an email where I can submit a copy of the canceled check, and after being on the phone for an hour+ I was told that it might take 2 billing cycles for them to finish the investigation I started on XX/XX/XXXX. I requested an email or a supervisor above the person whom I spoke to she apologized and said there is no one above her and put me on hold, after a couple of minutes the called was dropped.

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 monetary relief
Consumer complaint received 2022-11-02
Company: CITIBANK, N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I deposited a certified bank check from XXXX XXXX bank into our joint checking account at Citibank. The teller was unsure about how long it would take or even the process involved. I became concerned when, after nearly two months, the check was not deposited. I called Citibank and the first representative with whom I spoke could find no reference to my check. I was then transferred to the Investigative Department who also could not locate the check within their system and I was instructed to go to the branch where I had deposited the check, which I did. 

The manger with whom I spoke also failed to locate the check and kept insisting that it could not be found was that it was in " collections ''. She also informed me that the standard turnaround time for an international check was two to six months. She also said that I should have had it wired into my account because there was a {$35.00} fee (! ) for checking services. I can assure you, if I had known that there was going to be a two to six months wait on a certified bank check and, that I was going to be charged {$35.00} for the luxury of this service, I would have never deposited it into my account. 

As of this writing, my check has still not been cashed and deposited nor can it be located within their system. Ever since the pandemic, my wife and I have been living paycheck to paycheck and were depending on this money to help pay bills. Because of Citibank 's incompetence we have accrued late fees, had the electricity turned off once, amongst other things.

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 2018-08-14
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX sold my old account to a collection service. I hired XXXX XXXX in XX/XX/2017 and disputed the collection account. It was removed in XX/XX/XXXX/XX/XX/2017 from all credit reporting services. Most recently the account was sold to another agency XXXX XXXX XXXX in the amount of XXXX. They are attempting to collect a debt that was already disputed and found in favor of me the consumer and dropped from my reports. It has now been added once again under a new firm. I called and explained this to them and they acknowledged the dropped dispute but then proceeded to try and tell me this was for a second line. They provided no proof and i was never notified of such an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
XXXX XXXX opened an account to a name and address different than mine. This was fraud. I filled out everything that they needed and the account was eventually removed off my credit. XXXX then send the account to another debt collector a year later. XXXX did not remove the fraudulent account from their system, as they should have. I disputed the collection with Experian and XXXX. XXXX removed the account in 3 days. Experian said the " Verified and Validated '' that the debt was mine. Which is of course impossible, since it's not. They said they asked the debt collector if the debt was mine, they said it was, so that is good enough for them. That defies any logic and is not the definition of Verified or Validation. A sad excuse for an investigation. They have my SS number, so verifying my address history would not be hard. Despicable that a company in charge of your Credit score could be so negligent. They also hung up on me when I spoke to them and voiced my disappointment with their process.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to repair the following items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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