BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
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:
Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,XXXX XXXX XXXX XXXX XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX fl 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 2018-09-11
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan servicer is Navient but I get multiple calls a day from XXXX XXXX XXXX leaving voice mails about my student loans. I used to answer and the person I spoke to said they have no affiliation with XXXX XXXX XXXX, they even checked with a supervisor. My guess is that Navient is disguising their phone number and using a XXXX XXXX XXXX number? I'm sure I am not the only person they are trying to deceive. Or is this a scammer phone number trying to get money out of me? I told them I do not have any business with XXXX XXXX XXXX and I will not discuss any of my details with them, yet they call multiple times a day and have filled up my voice mail box on my cell phone. I am at work and my cell phone is constantly ringing from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: NY
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 demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it from 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 2018-09-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient tried to increase the amount of my monthly payment 3 months ago, claiming they redisclosed new terms of my loan and that my loan would not be paid off within the 360 months I had originally signed. This increase was made after 14 years of the same monthIy payment. Navient had bought my loan from Sallie Mae, who had bought my loan from XXXX. I spoke to 3 levels of supervisors who then agreed to change the amount back to the original monthly payment I had been making. 3 months later, Navient again tried to increase the monthly payment, claiming again that my current payment would not fit into 360 months. I argued that any monthyl loan payment should stay the same from beginning to end unless terms were renegotiated. They repeated that they had to abide by federal guidelines and " redisclose '' new terms. 

This is false and predatory action. Repayment of any fixed rate loan should never change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home loan originated with XXXX XXXX XXXX in XXXX  of XXXX. I set up an auto draft payment for the XXXX of every month and never missed a payment or had a late payment. In XX/XX/XXXX my mortgage was sold to Citizens One without any communication to me or my husband that this had taken place. Being that our mortgage payment was drafted from a separate account and we hadn't received any communication via mail, email, phone call, etc. we believed our mortgage had been getting paid. It wasn't until XX/XX/XXXX that I was made aware that not only was my house at risk of being foreclosed but my mortgage lender had changed and they hadn't received any payments since the change. I paid any passed due payments right then to get my account current and informed them that I was not made aware of the change of lenders. Their response was basically an implication that it was not their problem. Moving forward I had no issues with paying on time until XX/XX/XXXX I changed the bank account my ACH payment was drafted from. Despite changing the account within the time frame stated by the company and receiving a confirmation email that the account was successfully changed Citizens One still drafted from the old account, which had been closed, and charged me a NSF fee. I spoke with a representative on the phone, whose tone was extremely rude, and she stated that it was my error for changing my banking information through their app, that they pushed on me to utilize, and that I had to wait another 24 hours to update the information via their website. Well 24 hours later I update the information and get another confirmation email that my banking information has changed. On the XX/XX/XXXX I checked my account online to ensure that my ACH payment drafted correctly. My account showed past due and that there was no payment made, so I quickly make the payment as to avoid any late fees. The next morning when I check my account online they have now drafted 2 payments of {$1300.00} back to back, 1 being the ACH that was scheduled for XX/XX/XXXX & 1 being my manual payment. My bank account did not have enough funds to cover two mortgage payments at once so instead of reversing one payment, both payments were reversed but none of the funds that were drafted have been added back into my bank account. I can not get anyone on the phone, and the messaging center representative is apparently not understanding what my issues are. I have no idea what to pay, when to pay, how to pay, and to top it all off they have reported to the credit bureau the late payments from when the lenders changed so my credit score has dropped significantly. I am very concerned that they will continue to be detractors on my credit report, my bank account, and my quality of life if there is no certainty that when I am making payments towards my mortgage the funds are being applied accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
A title loan was taken out in my name in the amount of XXXX I did not open this account. The loan number is XXXX. Monthly payments have been made on this account but I did not open this. My vehicle was broken into my identifying information was stolen and some one reopened a loan. I need this resolved and I need my title back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CITIBANK, N.A.
State: IN
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, a series of fraudulent charges were made to my account. All but one of them was cleared from my account. The fraud charges resulted in me getting a new credit card. The charge that was not eliminated was for {$400.00} to " XXXX ''. I notified them via calls and messages and formally filled a dispute. When the dispute was finished, they said an error was made and the {$400.00} was put back on my account. Only this time it was three separate charges of {$400.00} each totally {$1200.00}. I called to notify them, was hung up on, and called back again. This time they told me they have to close my account again and issue me another new card. Complete waste of time to go through this all, have to switch over my auto pay bills all again, and still not have a resolution to 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 non-monetary relief
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: IA
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:
Experian is reporting a lease under the name XXXX and says I'm behind and the total balance is XXXX I've done business once with XXXX  and I paid it off and that is showing on my report I have no idea what this other account is it's not mine I've disputed this account and asked for proof I have not gotten any results back but it says on my report that it's verified as accurate.

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 2018-09-11
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have two debates on my credit from United Revenue services for medical bills. I never recieved any emails, calls or mail in regards to either of these debates. I've tried disputing this fact but they came back saying debate is mine, which I AM NOT DISPUTING. I am disputing the fact that these are on my credit as collections account when I was never made aware of these bills never made aware they were going to collections. I cant pay monthly on something I am not aware of!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/2018 I tried submitting a dispute online with XXXX. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my equifax credit report that do not have the correct balances. My XXXX XXXX  card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.

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 2021-07-13
Company: Santander Consumer USA Holdings Inc.
State: PA
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 company has a hard inquiry on my XXXX XXXX  and XXXX Credit Reports but was unauthorized. I have no knowledge of the inquiry that reported on XX/XX/2020. The company has been contacted but has not resolved the issue. Below is the company details : Santander Consumer USA XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried to fix my credit due to fraud and keep having issues with someone trying to use my identity to apply for credit cards. 

I have new inquiries that were not made by me. 

Transunion- XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. 

XXXX  - XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2018-06-22
Company: EQUIFAX, INC.
State: WA
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:
My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with XXXX and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with XXXX and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.

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 2021-06-09
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
After reviewing your response to my dispute letter of account : Creditor : Account : Reason : Experian didnt do a proper information I have received additional relevant information for you to fix this inaccurate account here. So how is it that you already verified the accuracy of the account when the lender told me that I made my payments on time? I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting. 

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 

Im carefully tracking all correspondence with your company. 

I think 30 days should be long enough for your company to complete this investigation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My issue is with TransUnion and their credit freeze service. I initially added a credit freeze to my report but at a later date decided to remove the freeze. I logged into their site and initiated the removal of the freeze from my account. My PIN was accepted and the freeze was supposed to have been removed. With the next application for credit, I was informed that my TransUnion information could not be pulled as there was a freeze on the account.

I attempted to perform the removal steps over the phone but my attempt was rejected as my social was identified as not have a freeze in place. Again, I asked the financial institution to try and again they reported the freeze was in place.

I have now contacted TransUnion by phone twice to try and have the issue resolved. Each time a story of a synchronization issue was created and I was told that they would request a " resync '' of the account to correct the problem. Each time the result was that the account still appears as frozen with no real path forward.

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 2019-03-29
Company: MoneyLion Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I took out a money lion {$500.00} loan in which they force you to be a money lion plus member which takes XXXX out of each pay check and puts that into an investment account. Once you have paid the loan off you are able to cancel the money lion plus account and decide what you want to do with your investment account. I paid the money lion loan off in XXXX, canceled my plus account, liquidated my investment account and they were going to deposit the proceeds from it in my XXXX XXXX account. The sum of $ XXXX. The issue is I have now called them 3 times to figure out where my funds have went. They claim to have sent the payment via ACH on XX/XX/XXXX and say it should be deposited. I have verified the bank account number they sent it to as well as the routing number the last 2 times I called which includes today. They state they don't know where they money is now. They need to deposit my money immediately.

Company response to consumer: Closed with explanation