BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: FISERV INC.
State: ME
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
My work payroll card is through money network and I had fraudulent activity with my card of {$3600.00} I had tried calling to get back my money due to not being the one who spent it. They had me make an appeal and I did but for some reason it was denied saying there wasn't enough evidence and I was told to do a despute, so I went to the police station and reported it and made my dispute, I wrote up all the fraudulent activity and called some of the places that had made transaction with whoever took my money, they said they were from Texas, so I wrote this all in my dispute and let them know I don't even have the stuff they charged around me for instance an user eats. I faxed them all the information they asked for. This was all in XXXX and they told me it could be up to three months before I heard anything about it, well I tried calling today to see what was going on with my money and they told me I was denied again!! I don't understand why it would be denied in the first place and asked them why and they said they have no more information to give me. So what am I supposed to do? I work very hard for my money and it gets stolen and they can't or aren't willing to do anything thing to help me. This was all right before Christmas so I had no money to buy gifts and felt bad enough about that. Now they are telling me I'm not getting my money back at all, I've done everything they have asked and reported it to the police and just want my hard earned money back. Please help me out with this matter so I don't lose all faith in humanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX amount {$380.00}. 

XXXX XXXX Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address inXX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX at the number above and filed the dispute with XXXX on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX. Public records and my credit report demonstrates this. XXXX said the XXXX Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My original loan ( Account # XXXX ( XXXX XXXX ) ) was scheduled to be paid off XX/XX/XXXX. When I logged into their website, it was advertised that I could " Skip a Payment ''. Which I elected to do, XX/XX/XXXX. As it was near XXXX, I thought this would be beneficial for my family. It turns out that skipping a payment meant refinancing. Which was an option I've declined several times. Since then a new line of credit was opened for {$480.00} and now I'm stuck in this same rabbit hole, with a payoff date in XX/XX/XXXX. This company is extremely unethical and misleading when providing payment options to it's customers. I did speak with XXXX with the resolutions department, and she was of no help to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened a dispute due to three fraudulent charges on ( XX/XX/18 ) in three separate amounts of ( {$28.00} ), ( {$1000.00} ) and ( {$850.00} ). I was charge by PayPal for three different amounts in the same day. This is not a normal pattern. My account was not flagged to alert me about these charges, so when I saw them on my statement I filed a charge back and was denied. I do not use PayPal nor do I have one that I set up. I have mailed and email the executives for XXXX  and following up with PayPal now. 

This charge was fraudulent and not authorized by me. There are a ton of complaints about the same issue and paypal fraud online. 

Thanks Charges below on XX/XX/18 to paypal. 
{$1000.00} {$850.00} {$28.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX   XX/XX/XXXX {$0.00} Closed Paid

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 2017-12-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX/XXXX/XXXX I ENROLLED AT XXXX CAREER CENTER IN XXXX XXXX FLA. 

MY GOAL WAS TO PICK UP A TRADE AND PICK UP A GOOD PAYING JOB TO SUPPORT MY BABIES, BECAUSE I HAVE XXXX KIDS. 

I ENROLLED INTO TWO PROGRAM AT THE SCHOOL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I COMPLETED THE PROGRAM AND WAS BEING PREPARED TO HEAD OUT IN THE FIELD TO COMPLETE MY XXXX AND OUT OF NO WHERE THE SCHOOL CLOSED ( WHAT HAPPENED NEXT ) 1. MY CREDITS FROM XXXX ARE WORTH NOTHING AND NO COLLEGE WANTS TO TRANFER AND ACCECPT THE CREDIT BECAUSE THE SCHOOL IS CLOSED 2. THE SCHOOL CLOSED WHILE I WAS ENROLLED AND DIDNT GET TO COMPLETE THE END OF MY PROGRAMS 3. XXXX DID NOT INFORM ME THAT MY ARREST/CHARGE WOULD OF STOP ME FROM WORKING IN MY FIELD. 

THE CAREER FIELD I CHOSE NEEDS AND REQUIRES LICENSE AND MUST TAKE A STATE REQUIRED TEST WHICH IS 10 QUESTION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: The CMI Group, Inc.
State: TX
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:
Credit management reported XX/XX/2019 this is in dispute I received your alleged statment onXX/XX/XXXX by us mail. where I disputed this on the same day I received it You then reported to the CRA 's on the XX/XX/2019 before that I NEVER received any documents from you. enclosed is a affidavit of fact I request that you respond to the Questions. you are in violation of FDCPA, And FCRA regulations. Olease not section 73 American Jurisprudence { Am Jur } 2nd <sect 93 States You have no right to report to credit reporting companies and no right to claim I owe you any alleged money on a alleged account that my name nor your exist on .I do not give you the right to report to CRA 's this is considered Fraud on your behalf. I take threat 's very serious so stop the threats

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  XXXX, XXXX has treated debt validation letters from me with out resolving the problem. They may have acted unprofessionally and have used misleading promises about deleting an account from my credit report. I disputed a XXXX XXXX account XXXX for an amount of {$630.00} several times. On XX/XX/XXXX, I did received a letter from them saying " XXXX, XXXX filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete XXXX, XXXX 's trade line for this account on you credit reports. '' However, the account & number for XXXX XXXX they agreed to delete ( XXXX ), this account showed a {$0.00} balance and has already been deleted in XX/XX/XXXX. I disputed this with XXXX, XXXX again and on XX/XX/XXXX received what appears to be another false and misleading promise to delete a XXXX XXXX account with a {$0.00} balance with account number XXXX. Again, this account has already been deleted in XX/XX/XXXX. 

Please investigate this practice of XXXX XXXX XXXXXXXX, XXXX and have them delete XXXX XXXX account # XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This morning around XXXX on XX/XX/XXXX, I was called by a debt collector from 'Unifin Inc. ' attempting to collect over {$900.00} in medical debt from XXXX for a XXXX I received in XXXX. I have received several calls from this phone number over the last two months, but every time I would answer the caller would hang up. This is the first time there has been a person on the other end. 

The woman on the phone told me how much I owed, and sent an email with the website XXXX in the signature on my request. When I told her I was pretty sure I had already paid the debt, she gave an insufficient explanation of the source of the debt. I told her I had checked my credit report a year earlier and had zero items in collection, but she had no sufficient answer for that either. 

I asked for her to send official documents in the mail, and she said she had sent them. She then told me I could make a deal to settle today for {$650.00}. I informed her I would need to double check with a credit agency to make sure the collection item was legitimate, and I could call back another time. She preceded to adopt a harshly critical tone, informing me that the debt may not be with them any longer after today, and they would pursue any means available to collect the money, and promptly hung up on me. 

When I checked my XXXX  credit report this afternoon, there are still zero items in collection on my account. I am fairly certain this is a paid debt. Unifin 's tactics, obtuseness, and opaque process are all very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Signature Bank (NY)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint refers to a prior submission XXXX regarding the improper actions taken by Signature Bank in reference to two loans that we have with the bank secured by two cooperative apartments at XXXX XXXX  and XXXX at XXXX XXXX XXXX, XXXX XXXX, NY. I have submitted feedback on this complaint however I am not able to provide attachments on the feedback submission so I have formed this complaint to provide the attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't know how this stuff got on my credit. I didnt sign up for none of these acounts. I never benefited from any of this stuff. My concern is also these inquiries, I want this stuff taken off my credit immediately. They have no right reporting things on my credit that I never had. REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
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:
On XX/XX/XXXX I reached out to Navient to make a payment on my student loans and was told that I was not current. I thought I was under deferment for a year, Navient claimed they had tried to reach me but the number that I have has been the same since XX/XX/XXXX. I then was forced to accept a forbearance, which later I found out because of my current situation I should have been granted a deferment, and made a post dated payment of XXXX.I have a number of issues with this company. On XX/XX/XXXX, I reached out to the CEO of Navient to correct inaccurate late payments that they were reporting to my credit report. In reference to Section 623 of the FCRA that he fix the inaccurate late payments that was horribly affecting my credit and my ability to obtain employment. I have been turned down 3 jobs so that is what made me look more into my credit report. I gave him a receipt of 15 days and still no reply. On XX/XX/XXXX I reached out to Naveint again, and was defiantly told that I should have been offered and granted a deferment and that XXXX XXXX, CEO would be contacting me within 48 hours to discuss this matter, I received no call for him. I then was told that I was in forbearance but on my credit report it was reporting as deferred for 3/4 of my loans. I have tried to be patient with this matter but this is not getting me anywhere. I cant even obtain a descent job in the field because of the inaccurate late payments they are reporting to my report and it is taking a toll of my finances and also my personal life. All I want them to do is update my late payments and give me a reasonable amount to pay back until I get on my feet which I do not mind

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Blackhawk Network Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I sold my gift cards to XXXX  who has left it in " in review '' status for 2 weeks. Emails, XXXX posts and XXXX posts have all gone unanswered. Offer number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01
Company: R.A.Rogers, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This morning I received a phone call about a debt I have with the XXXX XXXX XXXX. I acknowledge that I have a debt but never received paperwork from the company collecting. I have been in contact with XXXX XXXX XXXX to take care of this. The gentleman 's tactics were not only rude but he didnt do much of explaining. Also, he called my husband in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: OR
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:
The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
LVNV Funding calls repeatedly before XXXX regarding a XXXX XXXX account. They call from various numbers with XXXX  area codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted PMAB LLC today on XX/XX/2018 to dispute debt. Debt does not belong to me, nor did I ever receive notification in writing due to an address mismatch in a mistaken identity situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
About 30 days ago I submitted a dispute to Equifax regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. Equifax confirmed the debt, without validation as this is NOT my debt, I have never had business with XXXX and XXXX XXXX. The debt that was deleted was XXXX XXXX XXXX. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like XXXX and XXXX purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company claimed to own ( XXXX XXXX XXXX ) two years ago, Equifax validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: NY
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:
there are accounts showing on my credit report that I did not open, I am a victim of identity theft

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 2020-06-24
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Hello, I was a college student with a wonderful credit. I went to a car dealership ( XXXX XXXX ) to look at used cars and I didn't find any cars. One of the dealership employees showed me a car that he had outside of the dealership. That he was selling to me personally.I agreed to accepting that car and he continued to run my credit for Navy Federal Credit Union at the dealership on their computer. I was approved for about XXXX dollars. I was able to pick up the check from XXXX XXXX, pay the employee and accept the car. XX/XX/XXXX.  Months later I received a notification stating that I wasn't a member of the credit union and that I needed to provide more information to the bank. I went into the bank, provided multiple proofs of resident information, ID, and more documents. They accepted it, made copies etc. 


Weeks later they're still asking me for information to verify that I am a member. They then told me that I couldn't refinance my car because I wasn't a member. They denied access to my entire profile. I was away at school in New York and couldn't even make payments online so I fell behind payments. I was only allowed to make payments physically. I spoke with a representative over the phone about the situation and they told me to write a letter. I wrote a letter and sent it to them. ( Dated : I stopped paying this institution because I feel like I was manipulated at a young age and it seems like it was an internal scam. Applying for the loan at the dealership, picking up a check days later, weeks later stating that I wasn't a member ) How was I not a member if I was approved for a loan? 

Please help me. I am now in my mid twenties and this is affecting my credit score very badly. I spoke with another representative today XX/XX/XXXX ( XXXX ) in the recovery department. He said I am a member and still need to provide identification? I do not want to be a member anymore. I would like for this loan to be deleted completely and sent to all of my credit bureaus for internal fraud. 


XXXX XXXX ( The car dealership ) XXXX XXXX XXXX XXXX XXXX   XXXX, Virginia XXXX Get Directions Highlights info row image ( XXXX ) XXXX Navy Federal Credit Union XXXX Vehicle ending in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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:
After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: ERC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They call starting at XXXX XXXX and call about 6 to 7 times until sometimes as late as XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation