BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On the date of XX/XX/2021, I entered a consumer credit transaction with navy federal in the amount of {$74000.00}. I'm exercising my right as a consumer to dispute an alleged debt under federal law. Pursuant to 15 U.S.C 1692g ( b ) As the consumer, I requested the name and address of the original creditor. Navy Federal shall cease collection of the alleged debt, or any disputed portion thereof until Navy Federal : obtains verification of the alleged debt, verification of the name and address of the original creditor, and a copy of such verification name and address of the original creditor, is mailed to me by Navy Federal.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section by federal law. If any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character. Also, if any of my accounts are frozen or closed for exercising my rights as a consumer, I will not hesitate in bring legal action against you and/or your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/18 I applied for a new mortgage to refinance my home with Quicken loans. They charged me {$500.00} as an application fee. 

On XX/XX/18 Quicken arranged for an appraiser, XXXX XXXX to appraise my home. 

That appraiser, supplied a report to Quicken that was full of flaws resulting in an appraised value of at least {$300000.00} lower than the fair market value of my home. 

I complained to Quicken and they refuse to refund the money I paid them. They say a third party arranged the appraisal and they paid {$610.00} and there is no money to refund.

Either Quicken or me will be out the {$500.00}. It shouldn't be me. It's not my fault their appraiser didn't measure the square footage correctly or consider recent sales comparables that would have resulted in an appraisal of over {>= $1,000,000} instead of {$870000.00} as supplied by XXXX XXXX. 

Now, as of a half hour ago, Quicken has obviously sold my information to another mortgage broker, XXXX XXXX, XXXX XXXX  XXXX ( XXXX ) XXXX. He called telling me that he got my name as someone that applied for a loan at XXXX and it didn't work out. Asking if he could work with me on a loan. 

I have heard from XXXX XXXX, Lead Resolution Advocate at Quicken Loans several times, stating they're sorry I'm not happy with the appraised value and they won't refund my {$500.00} fee. She can be reached at XXXX QuickenLoans.com

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Williams & Fudge, Inc
State: NE
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. 
I attended XXXX back in 2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. 

However Williams Fudge had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called Williams Fudge and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. 

So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX XXXX. However Now it is showing on XXXX twice for $ XXXX each.. 

I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Finance of America Mortgage LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I received a supposed line of credit from finance of america and the changed the terms from XXXX % to XXXX   %, the origination fee was to be prorated as money was pulled, they changed it to a hard loan with paying interest on the full loan amount, not money being used. The agent I was dealing with is XXXX XXXX XXXX. I did not close at a title company so they explained the documents. they sent out a notary who had a hurried next appointment who just had me sign sections, so I had no time to read the contract. 
pure fraud changing terms without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions 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 am filing this report because I discovered two accounts on my credit report that aren't mine. I applied for a credit card today XX/XX/19 and I did not qualify due to those accounts reflecting badly on my credit. After looking into this more, I came to the conclusion that these accounts were opened on my behalf fraudulently and without my permission. I don't know who did this or why anyone would want to ruin my good credit reputation but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I do not have any type of written/verbal contract or agreement with either of those 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 2021-09-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Amazon Store Card I have not been using this card since XX/XX/XXXX so I have not been checking my account because I know I don't use. Then I get an alert on my billpay XXXX  that I have been flagged as delinquent. I have NEVER been deliquent on any bills IN MY ENTIRE LIFE and this was the first. 

Their user interface is horrible and the most I have been able to go back is to this date on my card. I can not see past the 90 day period to find out when these charge have started. This XXXX  fraudulent charge has happened to me before and I was able to dispute it. But this time they are taking their time. When I found out that I had multiple delinquencies, I disputed it, around XX/XX/XXXX or XXXX XXXX. I was told to follow up after a month which is today XX/XX/XXXX. Now this guy XXXX XXXX from amazon store card XXXX XXXX tells me it takes about XXXX billing cycles to resolve the dispute. I ask him when I should follow up and he does not give me a clear answer. He says " I will raise a dispute from my end once again '', " we will work as best as we can and as fast as we can.. we will send letter once resolved '' .Also their user interface to log into the amazon store card is so difficult to find, It usually leads you to the amazon store first and . very disappointed with this company. I find out this week that they have closed my account before the dispute is even settled. Good thing they are still letting me log into my account but I do not know for how long. 

Fraduluent Charge XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$2.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$40.00} XX/XX/XXXX XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$40.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WA XXXX Premium Plus SHIPPING AND TAX {$16.00} XX/XX/XXXX XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$11.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: NJ
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 3 accounts reporting on my Equifax report that do not belong to me. 
The accounts keep coming back as verified when Equifax submits disputes for these accounts. Verification is confirming who the original creditor is, which is myself, XXXX XXXX. I submitted an FTC report to equifax and it was received by them on XX/XX/2021. 
The accounts are as follows : XXXX, XXXX, XXXX XXXX XXXX. Please block and delete these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have called and disputed these things on my credit report and I have let them know that this information is incorrect. my social security number is showing incorrectly and I have sent necessary id to have this info corrected. these things 1.  XXXX XXXX XXXX XX/XX/XXXX, 2. XXXX XXXX XXXX XX/XX/XXXX, 3. XXXX XXXX   XXXX, 4. XXXX  XXXX XXXX. There are also unauthorized inquires XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX-XXXX. I have attached a copy of the identity theft report I sent TransUnion and the request to block this fraudulent information. I keep getting the same response & they are hurting my actual credit reporting false information.

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 2017-11-20
Company: FORD MOTOR CREDIT CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payments on the following dates : *XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have received my credit report listing the following items I disputed. I have requested for several months Transunion to provide me proof of their verifying this accounts belong to me? If they can not provide me a Method of Verification then to DELETE these three accounts. 
This is my last request for them to delete these accounts from my credit report as it is hindering me from obtaining a home loan or any type of credit. Transunion has not denied me the ability to dispute these accounts online and by postal mail. I am requesting that they DELETE These accounts from my credit report as i have no knowledge of them and have never done business with these account holders.

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 2017-11-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have received my credit report listing the following items I disputed. I have requested for several months Experian to provide me proof of their verifying this accounts belong to me? If they can not provide me a Method of Verification then to DELETE these three accounts. 
This is my last request for them to delete these accounts from my credit report as it is hindering me from obtaining a home loan or any type of credit. Experian has not denied me the ability to dispute these accounts online and by postal mail. I am requesting that they DELETE These accounts from my credit report as i have no knowledge of them and have never done business with these account holders.

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX of this year, I contacted Transunion to update my credit report to include my student loan with XXXX. The account is listed on my XXXX report. Transunion said the company was not reporting to them, but that was not true and I confirmed that with the loan holder. Transunion consistently reports my information late and will not make updates, especially on my revolving credit accounts. I am purchasing a home right now and their lack of accuracy in reporting is affecting my credit at a very impactful time. Please assist me with getting this information accurately updated with Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On the afternoon of XX/XX/19, I attempted to transfer {$300.00} through the XXXX XXXX XXXX XXXX. The funds were to be sent were to be withdrawn from First Midwest Bank. When attempting to submit the transfer to a third party recipient, I received an error message from XXXX that transaction failed and that I could try again to submit the transaction. In the past, I had received this same error message and was able to complete the transfer. Due to my past experience with this type of failed transaction, I attempted 3 additional times within a span of 2 hours. 

I never received a notification from XXXX that any of the transaction ( s ) were successful. The next morning when I went into my online bank account application there were 4 transaction of {$300.00} each that had been deducted from my bank account. I then checked with the 3rd party intended recipient and they had not received any of the funds or had received a notification from XXXX that there was a pending deposit ready for them. 

I attempted to Contact XXXX on XX/XX/19 and was only given computer automated responses. However, after many attempts over several days I was informed that the XXXX company was only a transfer service and that the transaction is actually bank to bank transfers. On one of the calls to XXXX, XXXX verified that all 4 transactions failed. XXXX said that if money was not accepted it would be returned to the sending bank after 14 calendar days. 

During the same timeframe I had been attempting to contact XXXX, I was in contact with an associate, XXXX from XXXX XXXX XXXX XXXX XXXX to see what could be done from their side. Assuming the worst and worrying that there was some sort of fraudulent activity being done through XXXX, the bank destroyed the debit card and provided me with a new debit card. I was instructed to fill out a formal dispute to determine the error and the disputed POS transactions. It was determined that there was no error on their part and since I admittedly authorized the transaction with XXXX. However, when authorizing the transactions with XXXX, I was under the assumption that no money was being removed from my account when the transactions had failed each time. 

It seems that neither party wants to assume any responsibility for this issue as they are both pointing fingers at each other. In the meantime I am wondering where this {$1200.00} is and why it has not been returned to me.

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 2019-10-02
Company: World Acceptance Corporation
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
World Finance Corporation WILL NOT validate a debt they keep putting on my credit report. I am completely fed up with it and reaching out to CFPB for help. 

They keep submitting false information to the credit bureaus and the bureaus wont remove them from my file. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CITIBANK, N.A.
State: WV
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:
Recently applied for credit at Citibank. A letter of decline dated XXXX XXXX, 2019 was received. Application ID XXXX. Letter states reason for decline was based in part or whole based on XXXX  credit report. Contacted XXXX  and was informed that the information Citibank used in the letter was not obtained from them. Contacted Citibank and informed them of XXXX XXXX   response, and was told they had no credit representatives to speak to.

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 2017-11-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ever since late XX/XX/XXXX, USAA has been letting me transfer money from my XXXX XXXX XXXX XXXX account to put money in my USAA checking accounts. But starting about 2-3 weeks ago, XXXX start reshuffling the way they process transactions, and I called them out on it, because it was obvious they were doing it to charge customers overdraft fees. They quietly fixed things and refunded the fees they charged me. However, when XXXX was doing this, it kept causing Returned Items on legitimate money transfers with funds fully available, but then XXXX would recall the money. This set off alarms with USAA, and I was able to fix the problems with both banks ... well, I fixed it with XXXX. USAA restricted my accounts to the point where I ca n't perform transfers, or even use my debit cards. I 've called and faxed USAA and I 've even included the XXXX XXXX XXXX XXXX statement apologizing to me AND USAA for the " honest mistake that should have no reflection on [ my name ]. '' But USAA wo n't do anything for me, and after asking a banking rep how long it takes to return to normal, they replied " weeks to months. '' I have deposits coming into both my accounts from my small business and from family providing money to me, and I ca n't access it. I can look at it on USAA 's website, but they wo n't let me access my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Date XX/XX/2018 Substitute Check First Check on Business Account, Account Now Negative with Overdraft Fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 I was notified that I had an account in collections. When I looked at it. It said through XXXX XXXX for XXXX XXXX. I do not have any policy through this company and I have spoken with XXXX  and XXXX XXXX who told me that the policy was not even under my name it is under my father XXXX XXXX. This is not the first time Equifax has allowed information for this man to be placed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation