BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a car loan for several years and the interest they charged had me owing almost the same amount getting no where paying {$400.00} a month several years. I was in an XXXX marriage and he forced me to give the car back so I did. I returned the car about 6 years ago. They called harassing me for one year and then decided to take me to court. I was unable to get to court and lost. They tried to garnish my wages and I showed the judge I was very poor so he denied them that.

My problem is on my credit report they show it just happened 2 years ago. I have been trying to fix my credit after losing everything but I can't even buy a car because it looks like it recently happened.

I have court papers from when they finally took me to court saying that was XX/XX/2014 but I don't have anything to prove its been 6 years. Either way they are out to hurt me anyway by reporting it the way they do. I called once and the person laughed and said next time you will think twice before not paying your debt. 
I never would have not paid had I been able to pay the loan however I never got anywhere after 3 years. 
Is there anything I can do or a way to at least have them report it correctly? If not I am not sure how I can ever fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good morning, By XX/XX/2021, my computer was infect and compromised with a malware hack program. It create a local user XXXX. With that user, the person that commit the fraud was able to get access remotely to my computer and my accounts logins credentials. He did several transactions on different platform including my Navy Federal Checking Account.

Navy Federal : They login into my Navy Federal account, open the XXXX application using my Navy Federal checking account and send over a {$650.00} payment to someone I do not know. Nobody from my family or I did not made or approve this transaction. Navy Federal give me a partial refund but it was reject on the investigation process and charged back. I require a dispute action but Navy Federal also reject credit back the fraudulent charge. They said that the system show that it was made from my computer. 

I explain everything to Navy Federal including screenshots of the others account that were compromise and solved from others creditors. Also Navy Federal know that my account was compromised because they change my checking, saving and credit cards twice on that week. What Navy Federal say is the same information I provide as the fraudulent method used. I did not made or authorize the money transfer. It this not supposed to be covered by the FDIC insurance? 

Others compromised accounts and actions was : 1. XXXX : They did three trade-inn items, XXXX provide a gift card balance and they use that balance to buy XXXX codes. They quickly exchange the XXXX codes. XXXX flags those transactions and have I dispute thru my credit card company. When the credit card company review the case with XXXX, they acknowledge that was a fraudulent transaction and revert the charge from my credit card. 

2. XXXX : They login into my XXXX bank account and made a transfer to XXXX stock application for {$900.00}. I was able to get it canceled by XXXX and refunded the money. 

3. XXXX : They login on my XXXX account, buy games and extras codes. I contact XXXX support and they refund the money to my credit card that was on file. They see there was 6 fraudulent charge transaction. I did not buy from XXXX online store and the items that was buy did not show up as being use or on my XXXX device/account. 

4. XXXX : They did a XXXX loan. I see it on my credit report. I have contact XXXX and started an investigation that still in progress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX cred for {$260.00}.
It was open on XXXX XXXX 2016.
Do n't know what that is. Have no recollection of what that could be. Would like to dispute it. It 's an collection inquiry on my credit on transuinon.

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 2021-02-27
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XX/XX/XXXX XXXX Reported Identity Theft ) 13. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: JPMORGAN CHASE & CO.
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently ( See attached Police Report ). I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: MS
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/2021 and XX/XX/2021 I mailed a letter concerning unknown and inaccurate information on my credit report to this day over 30 days the bureaus have not responded to my request. My life feel crippled and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. 
I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
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:
The credit card companies such as XXXX XXXX and XXXX XXXX are reporting accounts to XXXX illegally. These are fraudulent accounts and needs to be blocked by the bureau permanently as I fight to get these off my report. I am a victim of identity theft and the credit card companies are being very hard to deal with. I am the victim here and I am being made to feel as if I do not matter and they can do what they want. I am retaining an attorney to sue them separately. 

In the meantime my credit should not have to suffer as the Credit reporting agencies have the power to delete and block them. I request they do so. Attached is a copy of the police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: LD Holdings Group, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I locked in an interest rate on a mortgage refinance with Loandepot. 

On XX/XX/XXXX, I received an email from Loandepot stating that my loan had been approved and asking for recent statements. I provided the requested statements the next day ( XX/XX/XXXX ). 

On XX/XX/XXXX, an appraisal report was delivered to Loandepot. 

On XX/XX/XXXX, additional bank statements were requested. I provided the statements to Loandepot the same day. 

On XX/XX/XXXX, Loandepot informed me that my loan was sent in for final approval and that a response would take 2 - 3 days. 

On XX/XX/XXXX, Loandepot informed me that my closing disclosure was ready. I reviewed the disclosure and found it to be inaccurate. I requested a corrected closing disclosure. After numerous requests for a corrected closing disclosure Loandepot has yet to provide one ( today 's date is XX/XX/XXXX ). 

On XX/XX/XXXX, Loandepot scheduled the closing signing for Friday, XX/XX/XXXX, at XXXX XXXX, at my home address. 

On XX/XX/XXXX, prior to XXXX XXXX, I was contacted by the mobile notary contracted by Loandepot and informed that she had not received the closing documents. I contacted Loandepot and was not offered an explanation. Loandepot did not provide the closing documents to the mobile notary. 

On XX/XX/XXXX, Loandepot contacted me to schedule the signing of the closing documents a second time. We discussed scheduling the signing for XX/XX/XXXX, at XXXX XXXX., at an address in Arizona ( due to travel plans, Loandepot agreed to schedule the signing at the Arizona location ). Loandepot never followed-up and never scheduled the signing. 

After numerous phone calls to Loandepot between XX/XX/XXXX and XX/XX/XXXX, and with several promises by Loandepot customer service to have someone contact me to schedule a document closing, I finally spoke with XXXX XXXX, Sr. Account Manager with Loandepot XXXX XXXX XXXX assured me that she would provide me with a corrected closing disclosure by close of business Friday, XX/XX/XXXX, and agreed to schedule the closing for Tuesday, XX/XX/XXXX. 

As of today, XX/XX/XXXX, I have not received a corrected closing disclosure or a confirmation of the closing schedule. 

Additional information : as early as XX/XX/XXXX, my current mortgage holder indicated that Loandepot had, via business to business transaction, assumed management of my mortgage. This, despite the fact that I have not signed any closing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Re-finance loan application with Wells Fargo stuck in limbo. 

Overall ask : Where do I go to issue a formal complaint against Wells Fargo? Refinance loan process over 120 days now, and no end in sight. This is for a 2nd Rental house. Primary residence and 1st rental property mortgages serviced by Wells Fargo as well. Thought it would be easy to get all mortgages under 1 roof. Wish I had thought differently. 



Started the process in XXXX. Application formally submitted XX/XX/XXXX, ~ {$700.00} paid for Appraisal / Processing fees All key requested documents Tax, Bank, Retirement, Insurance, Pay Stubs submitted XXXX conditional approval received, XXXX closing date promised, additional docs requested all key documents submitted XX/XX/XXXX additional documents requested and submitted. XX/XX/XXXX closing date set. Title company reached out for details. 
XX/XX/XXXX informed that due to COVID, underwriters are busy and I should re-submit bank statements. No closing date promised. 
XX/XX/XXXX informed me that my rate lock period has expired. Theyll wave the fees if I agree to stay patient thro the process. No clarity on closing date. 
Last few communications the bank keeps asking if I want to cancel the application. Unsure why. The {$700.00} is non-refundable. 

Ive been stuck with these guys for 4+ months. Can not look for other investments Isnt there a time threshold to either process or decline a Loan application. Seems like they are asking me to withdraw the application. Why?

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 2020-01-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Old Navy XX/XX/2019 payment was received of {$120.00} that was amount that was paid and owed. Not sure why {$83.00} is being ask for since they closed the accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See attached letter. My mortgage company is illegally charging late fees ( {$100.00} ) - taking money away from an extra principal payment and enriching itself at my expense. The attached letter to Caliber Home Loans explains it all and how Caliber illegally stole my money by wrongfully assessing a late fee in XX/XX/2021. No credit was received on the XX/XX/2021 statement which is attached. This happens several times each year, especially on federal holidays. 

I am requesting the CPFB to get these XXXXs out of the mortgage business OR fine them and get them to adopt proper practices of not stealing their customers money. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX  XXXX {$36.00} XXXX XXXX XXXX  XXXX {$35.00} XXXX {$110.00} XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my identity was stolen and as a result their has been several accounts opened in my name as well as attempts to apply for credit. The accounts noticed thus far are the following : XXXX XXXX cards with account numbers ending in XXXX and XXXX as well as an inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I have been in touch with the companies to let them know of the identity theft. I have also filed a police report in my county. I am simply asking that all accounts be closed and permanently removed from my credit files.

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 2018-07-23
Company: EQUIFAX, 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:
I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX   {$800.00} XX/XX/XXXX XXXX  {$590.00}XX/XX/XXXX XXXX XXXX XXXX {$530.00}XX/XX/XXXXXXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX{$0.00} balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 an incident occurred with another individual that required car repair to the other vehicle. The damage was a result of the other individual, represented by XXXX XXXX, parking illegally and obstructing my driveway. 

The other person involved that had damage to his vehicle had it repaired by XXXX XXXX prior to relaying the damages and falsely reported I was responsible for the accident when I wasn't even the driver. 

XXXX XXXX referred this to XXXX which has mailed me two letters regarding this and with an outstanding amount providing an email where I can respond to disputes. On both occasions I did email XXXX   and advised them this was a false claim and any further communication with me should cease and the matter would need to be settled through court. 

I received no response or acknowledgement from XXXX of my email and then was contacted by an organization named Recovery Partners. This is not an outstanding debt since the other party involved has  committed fraud in reporting the incident as entirely not his fault. 

I have requested on three separate and distinct occasions to cease contacting me and directed them to legal proceedings since I do not owe anything when a car was illegal parked and I was not the driver. They need to stop harassing me and follow the legal process and not intimidate me and threaten to damage my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Lockhart, Morris & Montgomery 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:
There is an account reporting on my account showing a balance owed from a company that was involved in a lawsuit where the company ended up sending me a check as a part of the class action lawsuit settlement. The account on my credit report is showing up under Lockhart, Morris and Montgomery. The original company/creditor is XXXX XXXX. XXXX XXXX was sued and ended up having to pay {>= $1,000,000}. I do not owe this company any money. The company sent me a check from the lawsuit. See the attachment to this complaint. I do not know why this company has this collection company reporting that I owe any money to them on my credit report. This is wrong. See the lawsuit notice/summary from the court that is attached. The lawyer 's contact information is listed on the notice from the court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Revenue Corp at XXXX XXXX XXXX XXXX XXXX Tx XXXX has been sending me collections notices Im the amount of {$6300.00} the collection has been reported as past due.I do not know this company.I have never done any business with this company.This company does not have a contract with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
XXXX XXXX is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b Trans Union is in violation of 15 USC 1681b XXXX is in violation of 15 USC 1681b

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