BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 To Whom It May Concern : This letter is regarding Account Number : XXXX, which you claim I owe {$1100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX   ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: ALLIANT CREDIT UNION
State: AZ
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:
On XX/XX/26 Alliant Credit Union reposed my vehicle. However, my was and still is in good standing. They were in breach of contract. They have not offered to remediate their breach of contract. They did have my vehicle returned. I dont feel this is enough. They are trying to sweep this under the rug.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i havent recieved any investigation results.

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 2017-08-10
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
In XX/XX/XXXX, I paid for the remaining lease payments on my XXXX XXXX XXXX. In XX/XX/XXXX, I traded in this vehicle to XXXX XXXX. At that time, XXXX XXXX sent a check to Chrysler Capital buying the vehicle. On XX/XX/XXXX, I went into a XXXX dealership to purchase a new vehicle. Upon doing a credit application, I was denied. After going to a different dealership, the sales manager called Chrysler Capital. At that time, it was discovered that the vehicle in question account was closed with an OUTSTANDING balance of {$20000.00}. This is the amount of the check that was sent over 2 years ago from the dealer who purchased the vehicle. Chrysler Capital credit department never updated the file to " paid in full ''. After making nearly 20 calls to find out what was going on with my account, I was finally able to reach a representative in the Office of the President who did THOROUGH research who had the file updated and reconciled with a " {$0.00} '' balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Last week I went to Costco and when I was going to pay with my debit card, I couldn't do it because my card was blocked, I called to my bank and they told me that they are going to send me a new debit card because my account was working very good. On XX/XX/XXXX my partner who shares the account with me told me that she received a letter saying that the account is going to be closed, so we called the bank and they told us to go there and speak to a representative, but yesterday XX/XX/XXXX we went and when we arrived they told us that the accounts were canceled and that a note appeared in our account that said : do not open a new account, because the bank does not want a relationship with us, we were shocked, because we are very good customers, so they returned us our money in checks, we feel super discriminated, because I am XXXX, we are both two XXXX women, we have our jobs, we have bought houses because we are good clients of this bank and we did not expect that treatment from Citi Bank in these such difficult times of the coronavirus.

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 2020-05-22
Company: EQUIFAX, 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THIS IS FRAUD AT ITS FINEST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo doesn't want to service 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 2021-01-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed escrow on XXXX and the Loan with Lakeview XXXX was paid in full. I contacted them on XXXX ( I was able to get through ) regarding the payment they drafted on XXXX ( which was now and overpayment ). They assured me I'd get my payoff notice, reconveyence and my overpayment within 2 wks. We got the reconveyence but no . When trying to call they do not have a LIVE person options stating busier than ever and you immediately get routed to their Automated System which only tells me my loan is paid in FULL! My issue is 1. They do NOT have any option currently to get through to a LIVE person and 2. It's well over 2 wks and still NO . If only they would answer the phone we might could resolve this because then they could tell me that my ck was in the mail, etc. Their letter says refunds/overpayments sent 10 business days after close. The letter indicates XXXX today is XXXX and NO $

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 2020-07-15
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: Account information incorrect

Complaint:
Showing inaccurate pay history .... 


XXXX XXXX  ACCT : XXXX Paid on time/ never late

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 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Please see narrative in previous complaint XXXX-XXXX. While this complaint is related to the same issue, it is not duplicative : the bank provided a response to the complaint and did not perform the actions they stated. I have attached the banks response to that complaint. The account in question is still open as of XX/XX/XXXX. The bank has failed to close this account for three months, and for two months after they formally stated they would close the account in their response to my initial complaint. If the account is not closed in a reasonable period of time, I will seek legal action. Capital One recently suffered a breach, and I do not want an open deposit account with this bank. They have refused to do what they have stated they will on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company keeps calling me repeadly. I have spoken to them on the phone and ask them to stop calling. they are calling me during my work hours and from then on. They get you on the phone and say imprper and unprofessional things. I dont owe this company anything. and i have asked them to stop calling both of my cell phone numbers. I feel like my rights of a consumer that owes them nothing is being violated. I have considered changing my cell numbers however they are both tied into my jobs. The company calls back to back to back and it's desturbing. Someone should do something about this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient alleged that a loan was originated in 2007 in my name. They are alleging that a check in excess of {$25000.00} was cashed at a liquor store. 

I have communicated to Navient on numerous occasions that I never received these funds. I have not cashed a check. 

The promissory note and agreement has an electronic signature on it that Navient refuses to provide validation of. 

Although the loan may have been applied for along with other loans for anticipation of school expenses, I was subsequently approved for sufficient Federal Student Loans. Therefore I would not have needed the funds from the private loans. 

These private loans were never actually funded and the funds were never negotiated by me. 

I have also requested information regarding the custody of this loan. Specifically, these loans are alleged to have been originated with Sallie Mae. Records indicate that Navient and Sallie Mae are NOT the same company. It was not simply a name change. Therefore, Navient has to show proof that the loans were properly transferred to them from Sallie Mae. 

These loans are also reporting negatively to my Credit Report. Navient should block reporting until this issue is resolved based on Federal Law.

I do not owe a debt for funds I never received. I can not fill out a Identity theft affidavit that says someone stole my information in this regard. That would be a lie and perjury.

The overall picture is that although the loan may have been applied for, I never signed the agreement or received any funding. The loan was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus XXXX, XXXX, and Experian. I disputed 5 accounts a late payment from XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. XXXX, Experian, and XXXX  are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus XXXX, Transunion, and XXXX. I disputed 5 accounts a late payment from XXXX from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. XXXX, XXXX, and Transunion are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.

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 2018-02-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Others frauded my documents and to pull naming scams using XXXX herds of IDs and XXXX business permits and XXXX internet off my credit file and birth certificate Other pulled like frauding scams my credit files for XXXX plurized fraud scams fraud scams frauding my documents Others frauded my documents as mailing address Others frauded my documents as politican Others frauded my documents as police and sherrifs in many states Others frauded my documents as XXXX XXXX   XXXX Other frauded my documents as bedroom products

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 2021-10-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I've disputed these credit inquiries on XX/XX/XXXX. I haven't got any response it's been past 60 days. I did not authorize these credit inquiries and Equifax is giving me a hard time removing them. They haven't sent any original consumer contract with my signature on it. 
I want these hard inquiries off my credit report according to the FCRA Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify. 

XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been having problems with my XXXX, been seeing a doctor in XXXX as a result I have XXXX  XXXX XXXX and XXXX, I have health insurance but still have to pay 20 % each time I go which is twice a month if not more. 
I filled out a loss Mitigation forms with loancare but the denial my claim. 
I just can't seem to get back on track with my payment. My mortgage payment is about to be 3 months behind, I've been sending them money as I have it but they aren't putting it on my mortgage payment. They just keep adding late fees.

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 2016-02-12
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX, XXXX & XXXX, XXXX, NATIONSTAR, XXXX AND NOW XXXX IS TRYING TO COLLECT A DEBT NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: FL
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:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2018-09-19
Company: Wakpamni Lake Community Corporation
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: Reporting company used your report improperly

Complaint:
Confirmed with company that they are garnishing wages without a court order Confirmed they have received payments for the full amount owed - XX/XX/2018. 

Calling me after hours of XXXX and before 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 2020-05-22
Company: Experian Information Solutions Inc.
State: AR
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:
Experian has falsely accused me of using a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on well over 30 days ago by mail in dispute of fraudulent items on my credit report. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX XXXX # XXXX is the account that has been removed from both XXXX  and Experian but for Some reason Experian continues to violate my rights. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice I am requesting that Experian continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your response thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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