BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: Williams & Fudge, Inc
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I continue to receive correspondence surrounding this account and my attorney has advised me to submit a request for this to be reflected accurately within the credit agencies. This was discharged with a bankruptcy in XXXX 2014. I have attempted to contact this collector and have sent copies of the documentation presented here ; however, there has been no response. Therefore, I am seeking assistance with resolving this matter with the hopes that a formal complaint will initiate this correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This account XXXX has shown up on my credit report after no response to my request for more information on the validity of this debt amount, date of original delinquency, or any information indicating that this is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have been receiving constant emails from XXXX first saying I was approved for a loan and now saying I owe them money and in collections. I have never applied for a loan with them. I have emailed and called. When I call they ask for my SSN to " help '' me which I refuse to give. This is not showing up on my credit report so I don't think anyone took the loan out in my name, however, I need assistance in getting them to stop contacting me. 

I have attached examples of emails I have received. I have many more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND NOTICED COLLECTION ACCOUNTS REPORTED ON MY REPORT THAT ARE A RESULT OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When I opened an account with Robinhood there was no requirement for two factor authorization. After few months I tried to access my account there is a requirement for the XXXX. In the meanwhile I have changed my phone number. I have sent an email to Robinhood but they are asking for a photo holding the ID with ton of other requirements. 
I wear a veil and will not be able to sen them a picture. There is no customer service phone number to resolve the issue and there is no location to go. It is frustrating, I would like them to close the account and send me any balance to my residential address on file. Not sure why is it so difficult. 

Ticket # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
ENHANCED RECOVERY COMPANY is saying that I owe XXXX XXXX XXXX. 
I know when I cancelled my phone bill and internet I paid my bill. This company is fraud and I have been reading all about it. I ca n't even get these people on the phone. All I have been reading about is how they are fraud. 

I ca n't find documents. I know this is wrong. Even if I pay them then it still wo n't go away from my credit report. Can you help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime blocked my account 5 days ago. Asked me to email all my verification and that in 24 hours I would have access. Its been 5 days. They are withholding ALL of my money. Im having to borrow money to get back and forth to work while they hold my thousands of dollars!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: ERC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a phone call in early XXXX, 2016, from an unknown number. The woman on the line made a very brief statement about me needing to provide her with payment information in order to resolve a balance with " ERC. '' She made no official statement to identify herself, or her employer as a collector attempting to settle a debt. I asked her again who she was calling on behalf of, and she again said " ERC. '' I responded, saying that I had no idea who ERC was, or why I would have any outstanding balance with a company I had never heard of, and had no intention of making payments on a balance that I do n't own. She then terminated the call, without having made any attempt to clarify the name of her employer, or that she was making a legal attempt to collect a debt. No further attempts of contact were made. One week later, on XX/XX/2016, a collection was filed on my credit report under the name Enhanced Recovery Corp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a forbearance plan with my Mortgage company. They stated there was no penalties for the plan. Now that I am contacting them to restart payments, they have done a loan modification, however the modification includes interest on the mortgage during forbearance resulting in my total owed for the house going from {$300000.00} to {$320000.00}. Nothing i completed stated that there was interest acruing during this period.

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 2021-10-27
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
This account is Fraud, I never give anyone permission to pull my report.

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 2021-10-26
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:
I contacted XXXX XXXX  and experian and XXXX regarding some charge offs and Bankruptcy on my credit report on XXXX. XXXX, and to this date XX/XX/XXXX, i have NOT RECEIVED ANY REPORTS OR ANSWERS TO MY DISPUTES. The 2 bureaus have not responded at all. this is a violation of the FCRA. XXXX is the only one who removed the inaccurate information. the reporting of this is also untrue. 
the date of last activity, date of last payment and payment is all wrong Bankruptcy 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 non-monetary relief
Consumer complaint received 2021-10-27
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has 3 different amounts I owe. Ive explained to them that I no knowledge of these amounts and I needed proof. They told me, they are not required to show me proof. I told the woman on the phone. Why couldnt I have proof of something Im required to pay. I was told the only thing they can do is send me an itemized bill. Which is still not proof. And I still havent received that information yet. I never received the bills in the mail before it went to collections. Ive disputed this multiple times. They havent put any of my response on file. I want these removed from account. Please help me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had about {$5.00} remaining in an old bank account I was not using. Another company extracted an {$8.00} payment from that account because they had the account information from 2 years ago and I did not realized that the credit card I had been using for auto pay for an $ 8 monthly payment had just expired. Low and behold, my + {$5.00} turned into {$160.00} of Citizen 's Bank charges. They charged me XXXX {$35.00} charges in overdraft fees and another XXXX {$7.00} charges over the course of the next 20 days. When I finally received my hard copy of the charges in the mail, I contacted XXXX and they said they 'd refund me {$35.00} but thats all they could do. Crooks!!! Stole {$120.00} from me because their policy allowed and INSTRUCTS them to do it! Never again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: Radius Global Solutions LLC
State: MN
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

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 2021-10-27
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 my cryptocurrency got transferred to an external wallet without my consent. {$700.00} out of my account was cleared completely. 

I had XXXX SHIBA INU Coins and XXXX DOGE coins. 

I have 3 layers of security on my account so I do not understand how this could happen. 

I told them as soon as I saw the emails and they had me prove my identity only for 6 days later to tell me that there is nothing they could do about it and that I will not get my money back.

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 2015-07-01
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am the co-signer on XXXX of my daughter 's school loans. Navient is now the holder of these loans. There was confusion about a payment ; Navient said they had n't recieved it - my daughter knowing she paid it. During the interim, Navient called my cell phone every XXXX minutes or so from rotating numbers all day long for two or three days until she finally got everything sorted out. I sent a certified letter telling them not to contact my via my phone any more but rather only by the US mail, noting that their rotating call system was harassment rather than debt collecting. They sent me a response telling me they could call me anytime they wished ; that if I spoke with them, the calls would stop for that day only ; and that they are not subject to the Fair Debt Collections Practices Act. This was signed by the Private Credit Ombudsman 's Office. In other words, they will continue the next time there is an issue to harass me unless I answer their calls and even then there is no guarantee that the calls will stop. Further, they are saying they are exempt from the FDCPA and I have no recourse but to be harassed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EXECUTIVE FINANCIAL GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
we are processing escrow for our client and client has XXXXXXXX XXXX XXXXXXXX as his lender. the Loan originator ( executive financial group ) insisted on charging {$350.00} for notary fee when our estimate and CD disclosed notary fee to be {$250.00}. per their lender instruction, us as settlement agent have all the right to handle loan documents. we accommodated them when they insisted on using notary that loan originator assigned to get notary fee. When we sent our master settlement statement, the loan originator emailed telling the funder to not fund until the notary fee is in the estimate as {$350.00}. we had to change the fee as we did not want to slow down funding process over this ridiculous violation of on their part. We have email thread with them as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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:
My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, Al XXXX for over 10 years. Never have I lived in XXXX XXXX. I believe this is fraud from a family member. Please see idenity theft report. Enclosed and my Alabama drivers license. Please remove XXXX / XXXX XXXX This is not my Debt!

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 2017-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
[ RE : Capital One Account ending in # XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. A Police Report was filled with The XXXX Police Department on XX/XX/2017 with Officer XXXX, Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have tried to obtain my CREDIT FILE from all 3 credit reporting agencies & have only recieved credit reports. I'm being denied my right to know what all is on 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 2021-11-02
Company: Phoenix Financial Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX  : {$2800.00} Total Phx Financial Services : {$4500.00} XXXX  XXXX  XXXX  : {$710.00} My medical information was shared with a collection agency, XXXX XXXX XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  I am being charged I've attempted on XXXX  occasions sending letters to XXXX  XXXX XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  for debt validation in XX/XX/XXXX and XX/XX/XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for Account Resolution Services, Phenoix Financial Services & XXXX XXXX  XXXX  to have authorization to collect a debt. Instead XXXX  XXXX  XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies in XXXX XXXX and XXXX XXXX explaining that XXXX XXXX  XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My household is continuing to receive calls from this company via an automated dialer. We answer the call, but no one is there. 

After the second call failure, my husband, XXXX XXXX, called back the number on the caller ID. XXXX - Operator ID XXXX was very confrontational and rude. He had no desire to try and help with this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was told there were no alternative options for repayment of my loans when i first graduated with my XXXX degree by several representatives at Navient. I felt like continuing my education was the only option to avoid default. I have now recieved my XXXX degree and asked for manageable payments only to be told, they have to have at leaset 10 % of my discretionary pay.. this is insanely injust considering my personal situation. I have been told by the company several times they put me in forebarance and am given the standard repayment terms but they do not work for me. If i pay per the terms they are offering i will lose my house and transportation. Please help me get someone to assist me with arranging manageable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Citi mortgage viciouslly pull my credit report without my approval, I did approved once not twice. I want them to stop this, also misspelling my name and incorrect address on important forms. Not responding to my calls. I send emails and they have no idea way this happensXXXXXXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX this is his contact informationPlease I need them to stop this unfair practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: JPMORGAN CHASE & CO.
State: NH
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation