BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original creditor : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/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
Consumer complaint received 2019-01-31
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, an online payment of {$2900.00} was made into my Citi MasterCard account from a XXXX Bank account ( this credited amount was shown in my statement for the period from XX/XX/XXXX through XX/XX/XXXX ). This was an authorized transfer and, as noted, was duly credited to my MasterCard account. Sometime on or about XX/XX/XXXX, this payment was removed from my Citi Cards account without my approval or knowledge.This action was shown in my Citi Cards statement for XX/XX/XXXX through XX/XX/XXXX, and was described in a letter I received from Citi Cards dated XX/XX/XXXX. To find out what happened, and to get my money put back into my account, I called Citi Cards on XX/XX/XXXX and XXXX ( on the XXXX, I was told that the matter had been turned over to a supervisor and there was no need for me to send any background documents at that time ). Then I received a letter ( dated XX/XX/XXXX ) from Citi Cards saying that the situation was being investigated in their " security department ''. I heard nothing further from Citi Cards, so I called them again on XX/XX/XXXX ; and then on XX/XX/XXXX and XXXX, XXXX. During each call, they seemed to be confused about this case ( as if they had no record of the letters they had sent to me or my previous calls, and they kept transferring me between Customer Service and Security, etc. ) and no progress was ever made. That is why I am contacting the CFPB ; it seems Citi Cards can use some help in getting this matter resolved.

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 2023-12-16
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX XXXX  all of a sudden, a company, Navient reported eight student loans ( 8 ) on my XXXX credit report that does not belong to me and totaling over {$40000.00}. I have never had an account with Navient. I have student loans, but never had loans with Navient, ever. I requested copies of documentation bearing my signature and my social security number. And Navient never validated this information belong to me. I recall in XXXX  these loans were ( 4 ) loans brought up in court case and was dropped. And was told by lawyer the information was insufficient. This would be " double jeopardy ''. I am requesting that this information be deleted from my credit file with XXXX. And collection attempts with Navient be stopped immediately. I dispute the accuracy, compliance and reportability of this information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
In 2018 I had an account with Exeter finance and then totaled the car that I had with them my insurance paid most of it but the XXXX XXXX  paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice letter on XX/XX/XXXX dated from XX/XX/XXXX. XXXX saying If i don't respond to it by XXXX XXXX XXXX that they'll assume the debt is real. This is from XXXX XXXX XXXX claiming I owe {$420.00} to PayPal , Inc . This is not my debt I've never made any such charges and I always pay Paypal instantly. This is a scam charge and fraudulent. They are hoping someone isn't paying attention and just pays the debt without investigating. I don't have such account with PayPal and I never made a charge in that amount. This is a scam and/or identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a new American Express account in late XXXX I requested a balance transfer and got a letter dated XX/XX/XXXX that the transfer was approved for {$5000.00} to XXXX XXXX. I do not have a gulf oil account. 
I asked for the transfer to a different account that did not happen Ive called weekly since then and matter is still not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: ERC
State: VA
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:
On XX/XX/2020 I wrote to Enhanced Recovery Company and XXXX XXXX to tell them that this was ID fraud this was not my account. They sent me print out with no signature or verification that I stated in my letter they had to verify by law. Which they say I owe the amount of {$830.00}. I sent them documents explaining that someone was using my SSN to obtains loans, jobs and cell phones. 
I wrote Enhanced Recovery Company they refused to take this off my credit report which they are collection company not the original creditor they say it was XXXX. 
So, I wrote them again XX/XX/XXXX and XX/XX/XXXX know verification that this was my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: BARCLAYS BANK DELAWARE
State: MA
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:
Dear Credit Reporting Agency : I am an XXXX XXXX XXXX. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXXBARCLAYS BANK DELAWARE DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position

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 2019-01-31
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I am writing because I am trying to figure out exactly why NFCU is allowed to break the law and charge me for fraudulent debits and I have completed everything neccessary to have them blocked under FCRA 605b.

I have fully complied with the requirements of FCRA 605B ( a ), which sets forth the items required to block identity theft info from your credit report, and them imposing an investigation requirement that is clearly not part of the block procedure is clearly a violation of my rights.

The two individuals who " investigated '' were XXXX XXXX ( who I have never ever heard from and never contacted me ) and Senior Investigator XXXX XXXX ( who basically just treated me like I was the criminal and his " investigation '' was based on his opinion, which is completely unfair.

Someone has seriously done damage to my future and has made it extremely difficult for my everyday life, and to ME that is serious, even if noone else seems to care or be bothered to actually follow the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-07-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I purchased a merchandise online and paid through XXXX which the bank decided my dispute was not on my favor as it was authorized. It is true that it was authorized because in my belief the transaction that I had with the merchant was not fraudulent. I emailed the bank XXXX XXXX to reconsider my case on the basis of Non -delivery of goods as there were no goods delivered to me but they did not reply to any of my emails.I paid {$6800.00} USD in total. 
{$2000.00} XX/XX/23 {$1200.00} XX/XX/23 {$2000.00} XX/XX/23 {$1500.00} XX/XX/23 I had reported the case to FBI and XXXX police as I am a XXXX citizen working in XXXX, NY. 
Please help me recover my funds as I don't know what else to do. 
I can provide you the pertinent information and documentation if you need them. 
Thank you so much.

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 2018-05-24
Company: Unifirst Mortgage Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to contact XXXX XXXX and XXXX for 1 month but neither one of them have returned mine or my fiancs, XXXX XXXX, phone calls. 
We have worked with XXXX XXXX since about XX/XX/XXXX with intentions to use your mortgage company. We met with XXXX once and he stated about this {$290.00} to help with XXXX credit. He never said it was non-refundable nor did it even help at all with his XXXX credit. XXXX then emailed us a contract for us to electronically sign. Like the gullible, nave people we are, we trusted XXXX and your company and signed it. Somewhere In that very tiny print it stated that this {$290.00} was non-refundable. We received this paperwork in the mail for us actually to sign, which we never did!!! Things went very quickly and we found a house, we gave XXXX the numbers for this house and like everyone else in this world we shopped with other mortgage companies. We went to 2 other companies and neither of them took any money from us! We found one that XXXX  credit was better and so were the numbers for everything else making our monthly mortgage payment cheaper so we went with that company. We then asked for our {$290.00} back. XXXX then informed us it was non-refundable. And then at that point did I look through the packet and find the actual paper that says it. But that paper did not have our signatures. 
XXXX then stated that he wanted another chance to match the numbers of this other mortgage company and if he couldnt match it he would return our {$290.00}. So, we gave XXXX the opportunity and sent him this other mortgage companies numbers but then XXXX did not fulfill his deal and never gave us UniFirsts Numbers. Therefore, another reason our {$290.00} should be returned to us. 
I come to you as a hardworking, honest, trustworthy person who works very hard for our money and values every XXXX. XXXX and I are getting married in 2 months and have XXXX children we are blending. {$290.00} is huge to us!!! If I was told from XXXX in our one and only meeting that this was non-refundable then I would have NEVER given it to him! I am asking you to please return our {$290.00}. 
We have been trying to reach this owners of this company for a while now and would like at least acknowledgement that you have received my phone messages as well as this email. If not, I will be contacting the better business bureau as well as the consumer financial protection bureau. I would also hate to let all of our family and friends as well as social media know the bad experience we have had with UniFirst Mortgage. 

Thank you XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: PA
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 have sent numerous letters the credit bureaus and XXXX XXXX directly with no proper response. I am I authorized user on a unknown XXXX XXXX credit card & the utilization is hurting me.

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 2023-04-14
Company: EQUIFAX, INC.
State: AL
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:
Collection account from XXXX XXXX XXXX ( XXXX ) for {$220.00} has been settle and paid. Credit Bureau will not move from credit report. 

Company information : XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CORELOGIC INC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.

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 2023-07-17
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I sent a RFI Letter to Loan Care and one to XXXX XXXX as of XX/XX/XXXX I have gotten no response I do believe that these servicing companies are predators who make their money by setting up people to loose their homes banks should not be allowed to sell your mortgage to these companies

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 2023-04-14
Company: EQUIFAX, 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:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
During XX/XX/2019, I had my XXXX XXXX XXXX sent to the repair shop, it had common engine cooling issue. I stated this to my bank, ( Santander Consumer USA ), they agreed to lower my payment and work with me, Later on I also got laid off from my previous job, I do have a new job now as of XX/XX/2019. I did not receive any notice to cure or warning. Without my knowledge my car was repossessed XX/XX/2019, early morning, took my personal items, without a courteous warning. They agreed to work with me, if I make a XXXX payment which I did, then completely deny that. I told them it is still having mechanical issues and I also have invoices from the dealer part store and my repair shop. 

Santander Consumer USA XXXX XXXX, Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-09-05
Company: Upgrade, Inc.
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
A year and a half ago, I took a {$10000.00} personal loan and when I received the loan funds, they only deposited {$9300.00}!! The paperwork never mentioned a {$700.00} fee. After a year and a half of perfect payment history, I paid off the loan in full. They gave me a larger payoff than necessary and promised to refund the difference immediately. I have been trying to get the {$72.00} refund they owe me since XXXX when I paid the loan in full. 
The last two times i called them, they claim they sent the money to an old bank account of mine on XX/XX/2023. I contacted the bank and they have absolutely no record of any payment being attempted by Upgrade for that amount on or around that date!! 
I have repeatedly asked to have someone in management contact me and they skillfully keep those people from talking to me.!! 
I want the {$72.00} they owe me and now want the {$700.00} they fraudulently stole from me at the beginning of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Rocket Mortgage, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a call from rocket mortgage asking if I was intrested in a XXXX mortgage/line of credit. She had my information and my wifes, i do have a mortgage with them. I told the girl I was not intrested and was all set. She wouldn't shut up about it so I hung up on her. 
The next day, my wife calls me asked if I took out a 30 year mortgage with rocket mortgage. We only have 5- 6 years left. I did not, now I'm getting nervous thinking I scammed. I go on my rocket mortgage app and there it is, a 30 year mortgage with a loan number. I call up and they are telling me it not a actual loan yet and the call I got was real too. I tell them this XXXX XXXX and I want to escalate to a manager. XXXX XXXX XXXX XXXX I told them about the call, I want it off my my rocket mortgage app and not to call me. I'm glad I took a screenshot, it was gone after I hung up. It's deceptive and my heart dropped thinking I somehow got scammed.

Company response to consumer: Closed with explanation