BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Good afternoon- I am writing because I honestly think this company has been scamming customers- The caller ID identifies them as " scam likely '' I got a payday loan in XXXX of 2017, XXXX- I have had this company take out the wrong amount-they claimed that they " neglected '' to activate the notification that would allow me to have a reminder before they casually took my car payment, when I was only expecting a XXXX payment- I know I have since repaid this loan yet they continue to say the interest rate is charged for every day this loan goes unpaid? How do I ever get this repaid if they charge me daily for some revolving interest-sounds highly suspect to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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:
MY IDENTITY WAS USE WITHOUT MY CONSENT I AM XXXX XXXX SOMEONE USE MY INFORMATION TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS USING MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.

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 2021-07-10
Company: ID Analytics, 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: Their investigation did not fix an error on your report

Complaint:
I recently notified XXXX that I am a victim of identity theft. XXXX responded that they verified fraudulent information. I would like an explanation as to how FRAUDULENT information can be verified as accurate. Once again I state that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I began with two loans of XXXX and divorced was persuaded by the company to take forbearance which ballooned interest to XXXX, even though I pay my loan it continues to increase dramatically.I have to reapply every year and they increase my payment while interest increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2019-01-11
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to get all credit bureau to get those collections agencies to verify that I owe the debt multiple times, by having those collection agencies mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from those agencies showing proof. 

Those collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

What is their authorization of law for their collection of information? 

What is their authorization of law for of their collection of this alleged debt? 

Please evidence their authorization to do business or operate in the state of New York. 

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Until these validation is shown and complete, I will be seeking proof of such debts from collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Mr. Cooper Group Inc.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX with Mr. Cooper Home Loans advised me that my FHA loan conditions were all cleared except the appraisal and that as long as our value came back okay, we would be closing our loan within 2 weeks. I paid an appraiser {$490.00} to do the appraisal, which came in higher than needed. Two weeks later I was told that due to a land lease the underwriter had changed their mind after doing a 2nd review and our lease terms were not exceptable. We weee told our only option was to change our loan terms from 30 years to 15 years or to renew our lease for 40 years, which would cost us {$1500.00} out of pocket and {$3000.00} more per year in lease payments. I asked them why they didnt figure that out before I paid for the appraisal and XXXX XXXX said it was just one of those things and he was sorry. I asked if they would refund my money for the appraisal and they said no that we sign disclosures saying we would pay wheater it closed or not. I said but you lied to me. Does that disclosure cover lies? His reply was that this out out of his control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions 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:
This account does not have LAST DATE OF ACTIVITY. Please delete ASAP. 

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 2020-11-05
Company: GOLDMAN SACHS BANK USA
State: NJ
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/2020, I purchased a XXXX XXXX XXXX XXXX carpet cleaner from XXXX XXXX XXXX for {$190.00}. Payment was made via XXXX with my Goldman Sachs Mastercard as the funding source. 

On XX/XX/XXXX, when I did not receive a shipping confirmation from the vendor, I replied to the order confirmation email inquiring if the carpet cleaner had shipped. 

After waiting 3 weeks for a response, I filed a claim with XXXX on XX/XX/XXXX. The claim was denied on XX/XX/XXXX because, they said, the seller had provided shipping confirmation. 

My XXXX statement shows the charge was made to my account on XX/XX/XXXX, the day the order was placed. However, payment was NOT made to the company, it was made to an entity named XXXX with a seller name of XXXX XXXX XXXX and an email address of XXXX. 

The shipping information indicates it was shipped on XX/XX/2020 via XXXX which, coincidentally is the same date XXXX denied my claim. The XXXX tracking number provided by the seller is XXXX. I went to the XXXX  site and entered this number and it shows the item was NEVER DELIVERED. It also showed the weight of the package at 13.6 lbs. The unit weighs 26.3 lbs per the manufacturer. Per the XXXX website, it seems to have gotten lost somewhere in XXXX, PA It has been more than 120 days, so this information is not readily available on the XXXX website, but I do have a screenshot that I can provide ( see attached ). 

In addition to the suspicious name change and offensive email address, when you try to go to their website now, it seems it has been taken down. My virus protection software cautioned me not to proceed beyond the warning window. 

I have made 1 failed attempt with XXXX and 3 attempts to resolve this issue with Goldman Sachs and provided proof of all statements made above. They continue to refer it to their " disputes team '' who have rejected it twice based on the same doctored pdf document provided by the vendor showing that XXXX delivered the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CITIBANK, N.A.
State: TX
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:
RAN CREDIT WITHOUT MY PERMISSION VICITIM OF IDENTY 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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2018-11-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank charged me an overdraft fee for an item posted on XX/XX/XXXX. 
My ending posted balance on XX/XX/XXXX was + XXXX. 
On XX/XX/XXXX the bank charged me XXXX overdraft fee for a posted transaction on XX/XX/XXXX for XXXX. 

My issue is that if I have ending positive balance on XX/XX/XXXX why would I be charged an overdraft fee. 

Ive been with Wells Fargo since XXXX and they have never in the past acted this way and when I asked if something change, they have not. 
I find it very hard to believe that in 28 years that I have gotten away with not getting charged overdraft fee. 
Attached is email after I made a deposit on XX/XX/XXXX at XXXX PT. 

Thanks 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 monetary relief
Consumer complaint received 2021-07-10
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
RAN CREDIT WITHOUT PERMISSION

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 2017-07-31
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Several years ago, I opened a business bank account with Chase bank at my local branch. At that time a " relationship manager '' suggested that I select a " platinum '' account which had many features. I informed him that I did not want to pay any fees for my business banking account and just needed something simple. He assured me there would NOT be any fees, at that time or in the future. Foolishly, I took his work for it. And indeed, for many years after I opened the account there were no fees.
However, I discovered today when looking back at this account that Chase began charging me {$95.00} per month for this account starting in  XXXX  2016. This has resulted in {$1600.00} in unauthorized fees taken from my account. I would have noticed this sooner were it not for the fact that I was transferred overseas for work. I have complained to Chase that this is not authorized and they have not disputed that my relationship manager told me there 'd be no fees. However, they refuse to reimburse me. I would like to be compensated for these illegal and unauthorized charges as this is a clear case of " bait and switch. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion has refused to remove fraudulent inquiries on my credit report. Ive submitted multiple letters to transunion to have them remove the inquiries that I did not apply for. All other reporting agencies have recognized that the inquiries are not mine yet transunion is unwilling to remove these inquiries. 

Inquiries Below : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-10
Company: Experian Information Solutions Inc.
State: NJ
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 am a victim of identity theft .There are inquires showing on my credit report that I did not authorize. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/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 explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2021-07-10
Company: Experian Information Solutions 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:
My car was broken into and the thief took all of my wallet with all my identification information. Now trying to open accounts in my name. I did not request anything from these companies.

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 2020-08-20
Company: ASSOCIATED BANC-CORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. On XX/XX/2020 SBA deposit {$4000.00} to my business account for covid19 relief. OnXX/XX/2020 me myself made a cash deposit inside branch for {$4000.00}. I XXXX XXXX the XXXX of XXXX XXXX XXXX XXXX never received a debit card from Associated bank for XXXX XXXX XXXX XXXX until XX/XX/2020 so yes u see numerous of XXXX coming from this business account sending to the same people who are XXXX XXXX XXXX employees. SBA approve XXXX XXXX XXXX deposit that was made on XX/XX/2020 into company account ending in # XXXX. SBA are also very aware of when XXXXXXXX XXXX XXXX XXXX were established so Im confused to why Associated bank will make false accusations stating that in order to get an SBA business loan your company have to been establish a certain period of time XXXX XXXX XXXX XXXX are active with the state of Illinois, and IRS. Associated bank stated they sent SBA deposit back SBA stated over the phone that the deposit made on XX/XX/2020 for XXXX XXXX XXXX XXXX  can not be reverse. XXXX XXXX XXXX XXXX business account with Associated bank still frozen as of today XX/XX/2020with available balance of {$5300.00}. I have phone records, emails that Associated bank received XXXX XXXX XXXX business documentation in a timely manner. Ive made numerous visit to the branch with an email from banker saying she tried reaching out to XXXX, also she forward all documentation. Associated bank have made numerous of false accusations toward me and my company that make me the XXXX  believe an employee of Associated bank trying to steal. Below are evidence of the accurate deposit that was made from SBA to XXXX XXXX XXXX XXXX with 2 recent bank statement from Associated Bank to justify that our company money are still available and not sent back. SBA stated they can not accept deposit back because it have been approve for XXXX XXXX XXXX XXXX. I have disclosed a copy of my personal bank account statement showing that I use my personal account for business purpose and do not have to use SBA loan for personal use. My company already gross {$8000.00} in XXXX and {$14000.00} In XXXX that I have circle on my personal account statement so please stop making false accusations against me and my business. Associated bank trying to make it seem like XX/XX/XXXX are a criminal this not right and should be against the law. If Associated Bank would have did their proper investigation by giving me the XXXX a call instead of judging of how it look my account will not be frozen as of today XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: MO
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:
The information from National Credit Adjusters on my account is incorrect. They show an opening date of XX/XX/2020. I HAVE NEVER OPENED AN ACCOUNT WITH NATIONAL CREDIT ADJUSTERS, not opened one in 2020. Experian failed to do a through investigation and update the false information on my account.

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 2021-07-10
Company: BOK FINANCIAL CORP
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS MORTGAGE COMPANY STOPPED MY AUTOMATIC PAYMENTS. NOW IM SHOWING AS DELIQUENT AND MY CREDIT SCORED DROPPED XXXX POINTS. WHAT THE XXXX

Company response to consumer: Closed with explanation