BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: United PanAm Financial Corp.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A loan has been taken out in my name by United Auto Credit Co. I didn't approve this loan, I did not give them any details and I did not sign any paperwork. I don't know what this is for and how I have a loan for {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello USBank, When I applied for the US Bank XXXX card a year ago, the promotional and features as part of the card was to get {$30.00} dollars back when completing 11 months of a merchant entertainment category purchase. I have used XXXX to complete 12 consecutive monthly payments, and when called and asked where the credit is, the supervisor refused to file a claim and told me to wait. 

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 2023-03-20
Company: Global Lending Services LLC
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:
I have a loan for a vehicle that i have never had along with an address that i have never resided in.The amount for the vehicle was around {$18000.00} and the amount that it says is delinquent is around {$9800.00} The lender is Global lending

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient keep charging me late fee 's in the amount of & XXXX for a loan that is in " In School Deferment '' Ive called the Navient customer service line several times and every rep tells me they do not know why Im getting charged late fee 's and will transfer the report to their back office. Its been several months from my initial call and nothing has changed. In the meantime nothing is happening and I keep getting charged late fee 's

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: CA
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:
Around XX/XX/2019, I contacted Experian credit agency as well as XXXX  to remove the old accounts that XXXX XXXX, XXXX, and XXXX XXXX XXXX is claiming that my info is still valid. All these accounts were opened more than 7-10 years ago and they should have been removed from the time they were first opened. Experian, XXXX, and XXXX  must remove old accounts that have run their legal statute of limitations and they can not keep this derogatory information on my credit report forever and damage my credit score! I can not move forward with my life and get new credit because of their false and detrimental reporting. Please help me in removing these old accounts, please.

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 2020-09-19
Company: DISCOVER BANK
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I have recurring charges on my account from a removed authorized user, XXXX XXXX. I destroyed his physical card, requested a new card for myself, and set a freeze on the account. I have also tried contacting the merchant to stop charging them, but I was unsuccessful because I am not the owner of the account. 

Particularly, I want to prevent transactions from XXXX and XXXX XXXX XXXX from occurring on the account. 

I am unable to contact the authorized user.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: AMERICAN INTERNET MORTGAGE
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I submitted an application to refinance my personal home mortgage. Wanted to take advantage of the lower rates and refinance for 15 year term instead of the curent 30 year term. I have excellent credit, a good job, plenty of cash in a savings account, and more funds in a XXXX I have very little personal debt. No credit card debt and one car loan for approx. $ XXXX. 

After submitting all of the documentation, I was told my loan was approved and just waiting to schedule closing. I sent several emails inquiring about the closing date. I travel frequently for my job and wanted to schedule closing so it did not conflict with my work travel plans. 

XXXX has so many loans to close, they basically didn't have time to get my loan closed. Now they claim the rate lock has expired and I need to lock my rate again, of course it will be higher. It's not my fault the rate expired, they caused the delay. I feel that they should honor the original rate and I should not be forced to accept a higher rate due to their delay. 

I don't even know if they would have told me. I just kept emailing them and asking about when the loan could close, magically the rate needed to be locked again. 

I can provide any documentation that you need. I have all the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, I dispute your claim and request your validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA.

Send me proof that you are licensed to collect debt in my state.

Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have asked to be granted the acceptance ( Escrow Waiver Form,, ) every year the bank chooses my homeowner and flood insurance coverage and policy limits. I pay, and should be able to chose which option FEMA sends me, not the bank just raise every year. Flagstad is a bank remote answers, however I should not be charged a additional high fee to pay my own bills, $ XXXX! This fee is exorbitant, unfair and am asking for leniancy so I can pay my obligation.many people have lost all no need to gouge or get all they can force people to pay, please help me achieve a small amount of leniancy to escrow waiver, for {$25.00} not {$350.00}.

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 explanation
Consumer complaint received 2020-07-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We received a letter from Wakefield & Associates stating that we needed to contact them to avoid litigation. My husband contacted them on XX/XX/2020 and offered to settle the debt for {$1300.00} with a debit card over the phone. The company refused stating that they would not accept anything other than the balance in full even though their insinuated that we could call for other arrangements. We would very much like to settle this debt but the agency and hospital are refusing to settle the debt. Further, we did not receive a breakdown of any of the supposed charges, just a letter threatening litigation. I am XXXX  and my husband 's job has been impacted by Covid. We are also XXXX XXXX XXXX in XXXX which will come with additional bills. We can pay {$1300.00} today to resolve this debt that we supposedly owe, but have not received proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: OH
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:
In Accordance with the fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX  opened on XX/XX/XXXX for {$19000.00} XXXX XXXX opened on XX/XX/XXXX for {$25.00XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for $ 794 XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX Dept of Education/XXXX opened on XX/XX/XXXX for {$8200.00} Dept of Education/XXXX  opened on XX/XX/XXXX for {$5100.00} XXXX XXXX opened on XX/XX/XXXX for {$73.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$510.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$230.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1100.00} US Dept of EDXXXX opened on XX/XX/XXXX for {$13000.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$680.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$1300.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX for {$120.00} XXXX XXXX opened on XX/XX/XXXX for {$150.00} XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$1400.00} has violated my rights XXXX 
15 U.S.C. 1681 Section 602 A. states i have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions in fair resolution.

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 2020-09-15
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the mortgage refinance process with Rocket Mortgage on XX/XX/XXXX. I gave them all required documents in one day and the loan was approved. On XX/XX/XXXX the appraisal was completed and sent to me within 2 days. I did not require any additional documents and still do not according to the mortgage dashboard. I spoke to someone Friday XX/XX/XXXX and she stated they are only waiting to do the employment verification and order the payoff. At this time my rate expires on XX/XX/XXXX and I explained to the lady on the phone I needed to close before this. I text chatted with a rep at the company yesterday XX/XX/XXXX and they stated there was an addendum from the appraisal company needed but I know they have everything they need because I received the final appraisal. I asked her to have her supervisor call me and I have yet to hear from them. At this point since customer service is so inadequate I would like my {$500.00} back for the appraisal and cancel my refinance. My new rate was going to be 1.99 % with a 1.5 % buy down. Its very suspicious that they could not get all documents prepared and closed by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Continental Services Group, Inc. d/b/a ConServe
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: Old information reappears or never goes away

Complaint:
I have a closed account on my credit report that I have fully paid off. I tried to contact the company in which controlled the account to get it off my credit report because it is paid in full. They said it was against policy to take if off of the credit report, so here I am now trying to contact you guys if you can help get a closed paid off account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX PHH is refusing to acknowledge a Death certificate that has been sent MULTIPLE TIMES since XX/XX/2019. 

PHH refuses to send us to the United States when we reach an overseas rep This is a VIOLATION OF FEDERAL LAW!!!!!!! 

PHH refuses to call us back we have been promised a call-back no less than a dozen times and NEVER RECEIVED A CALL BACK!!! 

PHH IS REFUSING TO SEND DOCUMENTATION TO US THAT THE HOMEOWNER CAN SIGN TO REMOVE LIABILITY FOR PHH TO REMOVE SOMEONE THAT IS DEAD EVEN AFTER BEING PROMISED SEVERAL TIMES NOT ONLY FOR IT TO BE SENT, BUT FOR A CALL-BACK BECAUSE IT HAD NEVER BEEN SENT TO US.

PHH is purposefully LYING and THEREFORE COMMITTING FRAUD against this widowed homeowner. WHY ARE THEY LYING?? -- -- - WHAT ARE THEY TRYING TO HIDE??? -- -- PHH does not care about its clients. PHH does not care about Federal or State Law.

***********THIS NEEDS TO STOP!!!!!!!!!!!!

Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to  deal with us honestly, and not take advantage of his grief by refusing to acknowledge the passing of his wife. I want the DEAD wife removed as a borrower from the Conditional Approval. I want this short sale moved forward immediately, and worked as I was told it would be on XX/XX/XXXX. I wasnt an updated Conditional Approval immediately. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they  clearly have no interest in complying with federal and state law. They dont care about their widowed borrowers, and they dont care about military personnel. 


I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, ( MOST RECENTLY FOR FORECLOSING ON XXXX XXXX SERVICE MEMBERS ) they clearly have no interest in complying with federal and state law. 

**Please see attachment : Authorization Letter and Death Certificate **Please see attachment : Conditional Approval showing a dead borrowers name on it. 
**Please see attachment : " PHH to pay $ XXXX over military service member foreclosures ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been a victim of a payment of {$600.00} to an unknown individual names XXXX XXXX via Venmo on XXXX XX/XX/2019. 

After opening a trouble ticket with Venmo to reverse this transaction, they claim this was not an illegitimate technical issue with the payment system and that I should use the platform to reach out to the individual with whom the transaction be made and/or file a police report. I have not heard any response from the individual named XXXX XXXX ( @ XXXX ) via the Venmo app.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/XXXX i received a notification from XXXX XXXX that my credit score changed I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization.. 
Now again in XX/XX/XXXX I received another notification that my credit score changed. And once again I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization or knowledge again. .. 
Please investagate this breach and missy of the credit bureau ... and I want to file chargers against XXXX XXXX XXXX XXXX.. 
I will be will to start a class action lawsuit against XXXX. I know this is more likely normal bad buisness practice for them I see a pattern of abuse ...

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 2023-05-28
Company: Experian Information Solutions Inc.
State: GA
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:
Two issues with Experian : first one is theyre still letting XXXX XXXX XXXX report negative item on my credit report which they are not authorized to collect in the state of Georgia . They also will not let me dispute the item anymore online or over the phone. 
Issue number two : theyre also letting XXXX  XXXX XXXX report a negative item on my report without providing or sending me verification of the debt, after I disputed it many times.

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 2021-09-29
Company: Experian Information Solutions Inc.
State: AL
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:
Fraudulent inquiries

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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not 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 2019-11-05
Company: Mercedes Benz Financial Services
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: Account information incorrect

Complaint:
Made to payment in full to Mercedes Benz Financial Services ( MBFS ) on XX/XX/19 before XXXX ; however, MBFS posted the payment at a later time and date falsely reporting my account as a late payment to the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
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 XXXX XXXX am federal protected under the FDRA and FDCPA. Credit Acceptance violated me and are damaging my consumer report of a balance of {$15000.00}. 15 usc 1681b, 15 usc 1666b, 15 USC 1692D ( 4 ) and harassment 15 usc 1692D ( 5 ). I have kept careful Records of this situation. This account reporting on my report without my written or oral consent.

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 2023-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
USAA made XXXX+ worth of high interest withdrawals from my credit card account without my authorization or consent. 

The charges were made due to my car loan being incorrectly linked to my defunct savings account. I did not authorize the advances nor would they have been necessary if my loan had been correctly set up to draw from checking. 

The advances came with high interest and convenience fees. I disputed the original charges on XX/XX/XXXX and had them removed only for them to be withdrawn again with additional fees on XX/XX/XXXX.

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