BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company, now acting as Pioneer Credit Recovery , Inc, but still the same Navient we have REPEATEDLY filed complaints against just called AGAIN this morning looking for someone who DOES NOT LIVE HERE to collect some debt. We do NOT owe these criminals anything. We have told them REPEATEDLY to stop calling. We have filed complaints with the XXXX and AG 's office, and were told the calls would stop, yet they continue. I don't know what the heck it's going to take for this company to finally, ONCE AND FOR ALL, be put OUT of ours and the rest of the public 's misery. They are CRIMINALS. They are a FRAUD and a SCAM. They serve ZERO legitimate purpose other than to annoy and harass people. DO SOMETHING 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 2022-01-06
Company: EQUIFAX, 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:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 World Finance received my dispute to an alleged debt. They have 30 days to validate this alleged debt. As a federally protected consumer World Finance is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit with all 3 credit bureaus and this debt is not mines. I have never lived at the address that the company is trying to collect on me. This debt is very damaging to my credit and I have no knowledge of this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Fidelity National Financial, Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have money form my property that was sent to the state of Illinois as unclaimed and Chicago Title sent the money to the state and placed mistakenly placed another company on the check. I have tried for two months to get this resolved and Chicago Title will not sign the documents releasing the funds with out me having a form notarized which does not require a Notary, therefore no notary will sign the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: NC
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/2022, I received a notification from XXXX XXXX XXXX  on a credit inquiry request. 
See below New Inquiry detected on your credit file XXXX, the following change to your credit file has been detected. 

Change : New Inquiry Company : XXXX XXXX Reported by : Equifax I had never made such a request from the company, XXXX XXXX. I called XXXX XXXX XXXX number in their credit request phone number. I gave my name and current address. Nothing came up. The representative listed sister companies where I may have applied for credit. From my knowledge, I have not applied to any. They asked for my social security number. Owing to the fact that I had never heard of the company, I elected to not give my social security number and hung up. 
I called XXXX XXXX  on the following Monday to report the incident. I talked to a representative on Tuesday who provided the information to inform which relevant parties to inform. 
No other steps have been taken from my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every single day in the last 2 months Halsted Financial Services, LLC calls my number ( XXXX ) XXXX saying they are recording the call, wanting to confirm the last 4 digits of my social security number, and telling me they are calling on behalf of XXXX XXXX for a XXXX debt of {$3000.00} some odd dollars that I have not paid in 3 years. I have spoken to 3 different men at Halsted. I have told them I do owe the debt, I can not pay the debt, I lost my job on XX/XX/XXXX, I work in a very low paying field when I do work, and I will never be able to pay the debt. I own nothing, I have nothing, I live from hand to mouth. I have told them this 3 times already. They continue to call. My XXXX year old mother has this telephone near her. She is answering only to be hung up on. They ask for no one, they just hang up on her. If I could afford to pay my debt I would, but I can not and suffice it to say, they are trying to get something from nothing. Now that I have explained the situation to them and they have " wished me well '', why do they continue to call that number and harass my XXXX year old mother? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
America First Credit Union is reporting a late on my credit file for the year of 2020. Due to Covid and the unforseen events surrounding the entire pandemic I suffered financially. In the beginning when it first started my job ended up cutting business hours and that ultimately affected me. The entire year was just an absolute mess regarding my finances but I did my very best to make sure I was paying my dues. I do realize that I was late but I am asking America First Credit Union to please make a one time goodwill adjustment for the 2020 late notations. It was a very difficult time and I wish it could have been avoided. This would be of great help to me as I am not getting back on my feet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received the following email from American express on XX/XX/XXXX. 

" We want to let you know that after a recent review of your American Express account ( s ), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I called multiple times to find out what exactly I did only to be told I would receive a detailed letter in the mail but I never did receive any letter. 

I had about 5 credit cards with American express ( business and personal ) and I always paid in full and on time with no issues since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Northwood Asset Management Group
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2019, I received a VM from the number XXXX, which is the Superior Court of California-XXXX XXXX. The man ( XXXX XXXX ) identified himself as a process server to deliver the court summons to me because of some unpaid debt ( {$2700.00} and some change? ). I searched on the court website to see if there was any case under my name at the court, but there was none. I confirmed it with the court over the phone as well. So I called the number the process server told me to call in the VM. I was told to speak with an attorney ( XXXX XXXX? ). The number was XXXX, and it was XXXX XXXX. Instead, I spoke with a man ( XXXX XXXX ), and he was inconsistent with what he was saying. He once said there was a criminal case filed against me, and then said the court didn't know anything about my case yet. Next day I called again, and he said there was a civil case. So I kept asking if there was really a case filed against me. I even asked if the guy or the company was impersonating the authority by spoofing the court 's phone number and committing fraud by providing false, threatening information. The guy got frustrated and upset and started talking nonsense that I could not understand at all. Later I found out that they are a subcontractor (? ) or an outsourcing company hired by a company name Northwood Asset Management ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-15
Company: OKCoin USA Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
For the last 2 months Since XX/XX/2021, I've been trying to get my coins Out of the exchange OKCOIN, and they told me that I could withdraw the Dollars but not the coins out of the exchange. I made an attempt to withdraw roughly {$3700.00} but it never worked. I told them I have bills to pay, but they're simply making my life hard. There's currently XXXX BTC and {$3600.00} in my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was compromised while serving overseas. The following accounts were fraudulently opened in my name. I demand that the items be removed immediately. 

XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$46000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SANTANDER XXXX This account should no longer be reporting on my credit file as it was part of a lawsuit. The $ 550M Santander Car Loan Settlement was reached in 2021. Delete this account from my credit file right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My problem concerns closure of my credit card in the month of XX/XX/2019 with Capital One through no fault of my own. 
The problem occurs because the company refuses to give me my accumulated cash back in the amount of {$490.00} that has been accrued over the last several years. 
The company has indicated to me that that once an account has been closed they can not go back and issue money from that account to satisfy my claim for my money that was accrued in my account, This is tantamount to stealing my money that has been accrued by me over time. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/2006 student loans that were paid off by XXXX XXXX, when they transferred to XXXX my account was obviously not properly updated in XXXX XXXX records. I have paid my loans off and get calls daily, letters that they will garnish my checks. Took my refund from taxes That I have paid OFF previous to the transfer of XXXX  My credit score is getting major impacted on these collections to ECMC. I KEEP DISPUTING THESE CLAIMS AND STILL ON MY TEPORT. I WANT THEM CLOSED AND OFF MY CREDIT REPORT. IT IS UNFAIR TO MAKE FALSE STATEMENTS WHEN THEY HAVE BEEN PAID OFF. THANK YOU

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 2019-05-03
Company: CITIBANK, N.A.
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:
CBNA obtained a copy of my credit report without my permission on XX/XX/2018. I did not authorize use of my credit report.

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 2019-05-03
Company: Santander Consumer USA Holdings 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:
Santander Consumer USA obtained a copy of my credit report  on two occasions without my permission on XX/XX/2018 and XX/XX/2018. I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i am a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX XXXX XXXX XXXX  {$260.00}

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 explanation
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  {$2200.00}

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 explanation
Consumer complaint received 2020-09-11
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi my name is XXXX XXXX. I seen there was French bulldogs for sale. And I wanted to buy one. I contacted the seller. They told me to send {$900.00} and I did. When they started asking for more money. I said I want a refund. They have my full address name and phone number. I told them I wanted a refund and they blocked me. Please help me out. The app I used to send the money was cash app. I was photos and proof I sent it and I asked for a refund. Please I just want my money back. Thank you. My phone number is XXXX and my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello, I have been reporting unverified information on all 3 credit buraus, It has been several months and i have no heard anything or have gotten any response via email or address included in all 3 letters per bureau. I have significantly been affected by these unverified accounts and a violation of section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) has been breached. I had asked that all information be verified with proofs. I also Adked that addresses that do not belong to me be removed within 30 days. they are still on my credit and are affecting me significantly during this Epidemic, causing me to lose my home being i could not find get financial assistance due to poor credit history. I have mailed all 3 letters and kept track of dates and letters via a laptop in which i will attatch to this report.

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 2017-07-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I constantly monitor my credit with   XXXX   XXXX  .   XXXX   XXXX    always shows you cards you have a good chance of being approved for and offers you to get pre qualified for loans, I just looked at companies I could get pre qualified for and that was it. I never agreed for my credit to be pulled. One Main Financial pulled my credit to approve me for a loan that I did n't want. I NEVER agreed for them to pull my credit and I never accepted a loan from them! I called them and explained this so they would take the inquiry off my credit. The people I spoke to were very rude and did n't care and basically said it was my fault and they were n't going to take it off. I filed a complaint with the BBB and they tried to contact them 3 times to resolve it but they never replied to the BBB. This loan company is sketchy and they are being too pushy with consumers for loans. I want this inquiry off my credit from One Main Financial that took my credit score down  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I view and pay my bill online. The online system always showed my correct payment amount and that 's what I would pay. I decided to review my recent statement online when I noticed the total due was {$50.00} more than what was showing due online. I call to get a better understanding of what was going on. I was informed that when I first purchased the vehicle my 1st monthly payment would be deferred. Well apparently Hyundai Finance charged a NSF Fee of {$25.00}. I paid that at the time not realizing what the fee was for. Well now it 's happened again for the tune of {$50.00}. I call back and explain the only time I make a payment is online and it 's a one time payment. Not once has a payment been returned. I guess this is normal business practice for the mob. When buying the vehicle I had other lenders to choose from but figured that since Hyundai manufactures the vehicle they would be more streamlined in the financing of them. If you 're buying a new Hyundai and wonder how they get the MSRP down well now you know. It 's coming from the mob style tactics they use on the financing end of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This unknown caller calls several times a day, and harasses me on the phone, and ask very personal questions. I need these calls to stop. The company is Midland Funding LLC account # XXXX for a credit card for XXXX. There contact phone # is XXXX.

Company response to consumer: Closed with non-monetary relief