BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: CULLEN/FROST BANKERS, INC.
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:
In XXXX of XXXX I was notified by Frost Bank that an account under my name was overdrawn. I have never had an account with Frost Bank, I called and they suggested to go into the nearest branch. I drove to the nearest branch, showed my ID and the lady confirmed that the ID used to open the recent accounts was definitely not me. She asked me to fill out the fraud paperwork online. I filled out everything asked for online and sent to Frost Bank, they open a fraud case, I even put a fraud alert on my credit bureaus. Shortly after putting the alert, I received a call from a dealership in XXXX, XXXX asking if I was at the dealership buying a car. I haven't been to XXXX in years, said my identity was stolen, to call the police, arrest the person at the dealership and that I wanted to press charges. Which they apparently never did and just let him walk out the door. 

I continue to receive collections notices from Frost in XXXX, I called on multiple occasions in XXXX to make sure that the case was being worked. Frost representatives confirmed it was, said to disregard the collections letters, that " it takes time for all the departments to get notified '' and that nothing is hitting my credit report. 

I few weeks ago, in XX/XX/XXXX, I received a collection letter from a third party debt collector for the amount owed to Frost Bank. Frost Bank has now sold the fraudulent debt to a third party. 

There is clearly an internal process within Frost Bank that is broken, a company of that size should have Fraud processes in place to freeze collection practices on fraud accounts and when the fraud is confirmed, the credit bureaus are cleared of the inquiries, collections, and past due amounts. 

-Over the past year, I have received multiple collection letters from Frost ( months after they were first notified of the fraud ). These letters should not have happened if Frost had a competent Fraud department. Is Frost just trying to get the victims to pay the debt so the victim can protect their credit history? 
-Frost open bank accounts in the wrong persons name, Frost should have better due diligence on account openings. 
XXXXFrost sold the illegal debt to a third party. Why would Frost sell debt with a Fraud alert?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 went get a car loan and the company applied to several companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-07-17
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2021 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

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 2022-07-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: ProCollect, Inc.
State: IN
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:
On XX/XX/XXXX I paid {$1800.00} to Procollect Inc to settle an unpaid debt. On XX/XX/XXXX they still reported to the credit bureaus that this balance was unpaid. Which is FALSE AND INACCURATE I FORMATION that should NOT be reported because it was PAID IN FULL XX/XX/XXXX! They sent me a paid in full letter XX/XX/XXXX and told me they would update my file to the credit bureaus which was a LIE!

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 2022-02-18
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off the mortgage (XXXX) on XXXX  and it was transferred to a new servicer (XXXX XXXX XXXX XXXX, loan # XXXX) on XXXX. The paid off fund still not being forwarded to the new servicer as of today (XXXX  so the new servicer refused to close the loan even though I paid it off to the previous servicer (XXXX XXXX XXXX) and sending a "event of default" letters.
I filed a complaint # XXXX to XXXX XXXX XXXX, and their response today is it is Better who has to forward the fund, since XXXX XXXX XXXX already forwarded the pay off fund to Better on XXXX. Please refer the following response for XXXX. 

Better Mortgage originated the loan on XXXX XXXX XXXX. The loan transferred to XXXX  for interim servicing on XXXX XXXX XXXX, with the loan scheduled to transfer to XXXX XXXX XXXX Inc. (XXXX) on XXXX XXXX XXXX. On XXXX XXXX XXXX, the Borrower paid the loan in full. XXXX  subsequently completed the release of lien on the loan and has previously provided the Borrower with a copy. The loan transferred to XXXX on XXXX XXXX XXXX as scheduled, with a zero balance, due to the payoff. Because the loan is owned by Better Mortgage and was serviced for an interim period by XXXX, XXXX remitted the payoff funds to Better, for Better to then forward the funds to the new servicer. XXXX sent the payoff funds as part of a bulk wire transfer to Better on XXXX XXXX XXXX, using Fed Reference XXXX. Any additional questions regarding receipt of the funds from Better must be addressed by the new servicer, XXXX, rather than XXXX, as XXXX no longer services this loan and has forwarded all funds and information appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: NV
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  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, has violated my rights.

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 a account without my written instructions.

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 2017-09-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan transferred from XXXX to Navient in XXXX. Upon the transfer, I looked at the Navient website to make sure the details were accurate. The loan amount and the projected last payment date were incorrect. I contacted Navient to have them conduct a review of my account. They sent a document that would not be discernible to anyone. It did not answer my question. 

I called Navient on X/X/17 to gain an understanding of what was happening on the account. The Representative advised me that the date was correct. I asked for proof of the date being correct. She informed me that no one was going to send me a spreadsheet of the payment schedule. By Navient 's calculations, I currently owe approximately {$17000.00}. By their payment calculation date, I would be paying back {$63000.00} on a loan of $ XXXX - that is {$44000.00} in interest!! I was told a different payoff date from XXXX. They communicated that I would be completed my student loan in XXXX. 

Navient refused to help me. They insisted that their calculations were correct. They would not conduct a review of the account. Even when I explained that $ XXXX  in interest is outrageous and makes no sense from a mathematical perspective, I still received the answer no one is going to assist me. 

Please help me with making this company acquiesce to a reasonable request, and review my account mathematically - not just because their system says so. Technology and Systems can be wrong and have bugs. I believe they are overcharging me and they refuse to help explain it. 

Thanks, XXXX Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I can't take this anymore! I can't get a new car to get to work and take care of my kids because of this misleading information on my credit report. I am STRESSED! I have sent letters and called many times and still nothing has been done! I am a single mother and I need this to be fixed I want my kids to have a better life Please help. I sent letters on XX/XX/21 and XX/XX/21 and no update or anything something must be done!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: CA
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:
im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. these corporations are taking a disadvantage of me. I refuse to wait another 30 days please help me resolve this matter.

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 2022-07-17
Company: Chime Financial Inc
State: NJ
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:
On XX/XX/XXXX I went to an ATM to withdraw {$500.00}, the ATM only had a pet transaction limit of {$400.00} so I withdrew {$400.00} and then {$100.00} the next day on XX/XX/XXXX at XXXX am I received notifications of the same transaction done at a different completely unknown location.The XXXX went through but due to insufficient funds the XXXX was not duplicated and was declined. Immediately I called to make the case and changed my card. The request was denied because it was an ATM transaction. I called again the next day and was told that the bank in question which is Chime had system issues that caused the trouble. Upon talking to them I was told that the case is more than likely going to get denied because I made the claim before the company knew of the issue and since the original one was denied chances are the rest will be denied too. It was a known system issue and now the bank still has the {$400.00}. Not only that but until I get the new card Im completely locked out of using my account. This is a huge issue to me personally as I was keeping those funds to help pay off a debt and when the money was to be withdrew it was not available and now Im at risk of losing a settlement. The worst thing is the bank shows no willingness to fix an issue which cause them to steal {$400.00} from a customers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CITIBANK, N.A.
State: AZ
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:
I am re-opening/resubmitting my recent complaint on this issue as it remains unresolved and has actually gotten worse due to Citibank Shell MasterCard company's actions.

My original complaint read:
I disputed two charges on my Shell Mastercard with this company in XXXX 2021. One charge was for XXXX and the other for XXXX. The one for XXXX  was supposedly resolved in my favor per the letter I was sent by CITI. However, its still showing up in my balance on the account. T

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 2022-03-14
Company: Lockhart, Morris & Montgomery Inc.
State: FL
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:
Last month I contacted Lockhart, Morris & Montgomery. I was confused about an account on my credit report and needed more information. I spoke with a representative who claimed she was in charge of this account. I asked her if she could give me details of the ho the creditor is and the dates. She told me she could not give me that information. She said that it was against XXXX and all she could tell me that it was XXXX XXXXXXXX. That statement was a red flag, If this was my I formation used why can I not know the information about the account. I went in to tell her that I never been to that hospital and there is no way I went to that hospital during the year of XXXX. I mentioned that I lived in another state and this account could not be mine. She told me there is nothing they can do for me. She became rude and upset me when I continued to tell her. If I went to that hospital I would have signed up for assistance but I didnt even live in the area mentioned during that time. 

Now I am stuck with this in my credit and no way to resolve my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was invited by a friend to join an investment fund promoted by XXXX XXXX XXXX via XXXX XXXX I made four deposits to Coinbase.com via Wire Transfer : 1 ) {$6400.00} on XX/XX/2022 XXXX ) {$1000.00} on XX/XX/2022 XXXX ) {$8000.00} on XX/XX/2022. 
XXXX ) {$5000.00} on XX/XX/2022. 

The money was converted to XXXX XXXX then sent from my Coinbase Account to my Coinbase Wallet  : XXXX The following link shows my transaction history with my seed code above : XXXX XXXX XXXX? XXXX XXXX XXXX is a Ponzi Scam that begin early XXXX, XXXX. 

As of XX/XX/XXXX, the funds are now missing, gone from the wallet. It wasn't transferred out and my account wasn't hacked. 

I received a message by XXXX  from XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX '' demanding I pay 10 % of my earnings to a third party USD Tether Address or transfer 20 % of the earning to my Coinbase wallet, otherwise my funds would be frozen. 

XXXXXXXX  is not partnered with Coinbase, XXXX, XXXX or XXXX XXXX as they claim. 

To my knowledge there are 1000 's of investors like myself who have lost a lot of money in this crypto currency ponzi scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Experian Information Solutions 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:
I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my XXXX  - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

1

5 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to the Santander web site to make my XX/XX/XXXX payment, as I always do, when the previous month 's Social Security Benefit payment goes into my checking account on the third Wednesday, which in this case is XX/XX/XXXX. 

Using Santander 's XXXX XXXX Speed Pay tool, I made my normal monthly payment, of {$220.00} plus the XXXX XXXX money transfer fee of {$2.00} for a total payment of {$220.00}. 

The payment showed as pending just after I submitted it, which is normal. ( see attached document ). But by Wednesday evening, it had not cleared, and it usually does within about 3 hours. 

I just checked the account online and there is no payment showing as " pending '' and it still shows my XX/XX/XXXX payment as being due. ( See attached document ). There is no record of the pending XXXX XXXX payment. It has disappeared -- and it has never done that. 

Santander is known for this kind of activity and they put the burden on the consumer to keep the account current. You can imagine my distress knowing I just paid them the only money I have to make that car payment -- and they have no record of it. 

But I do! I always save screen shots of receipts when I make payments to them. They are as crooked as Light is Day. 

I have all the files showing the balance due, the payment history showing the payment as pending, the XXXX XXXX payment receipts and the screen shot of my checking account showing Santander deducted the money from my account using my debit card. ( See attached documents ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX for the total price per contract of {$38000.00}. My contract was for a period of 72 months. My contract is set to end XX/XX/XXXX. Over the years I have paid a total of {$41000.00}, this amount has included every payments made through out the years. A couple of months I noticed my payoff was increasing from one day to another. With all the extra payments made this vehicle should have been paid off, instead Hyundai Finance has continued to bill me and I have not received my title. I have been contacting the for several months and still the matter has not been resolved. I would gladly submit any proof of all payments if requested.

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 2022-07-17
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Description of Complaint : PayPal. 
I have been using PayPal to receive payment for my online business, on the XX/XX/2022 I received a payment of XXXX $ Merchant ID : XXXX  for a service I rendered and the payment was put on hold for 24hrs, but after 9 hours I got a notified from PayPal that my account has been permanently limited i immediately contacted executive officer and I was told I broke PayPal disagreement which I didnt do anything bad and my account didnt violated any of their rules, and I feel this wasnt fair on my part as I cant have control over how other people use their PayPal account, I just really want my account back.

Company response to consumer: Closed with explanation