BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-19
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Sometime XX/XX/XXXX, my wife and I lost our backpack with both our wallets with State Driver Licenses while on a trip with a group of people when it was accidentally left somewhere during a walk, which was near XXXX XXXX CA. In XXXX of XXXX we learned for the first time of a fraudulent debt collection on our XXXX and XXXX credit reports from Fidelity Creditors on behalf of XXXX XXXX, which appears to be an apartment complex but we have no knowledge of this business or ever resided there. It appeared from the credit report that this collection was initiated sometime in XXXX but we were never aware of it until XXXX XXXX and never received any letters or calls from anyone about the fraudulent debt. Fidelity Creditors says they have a signed lease with copies of our IDs, which appears to have unmet terms by someone who fraudulently used our driver license identifications with XXXX XXXX and fraudulently signed a lease with them, which is not notarized and is not ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: MI
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:
Experian, XXXX, and XXXX is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.

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 2022-10-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient is reporting the below, XXXX ( XXXX ) late payments to the XXXX XXXX XXXX : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX I sent the below communication to Navient requesting to have the XXXX ( XXXX ) late payments forgiving or removed from my credit report. 
XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX The student loan has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit on XX/XX/22 of {$1200.00} from XXXX XXXX XXXX to Citibank. Citibank put an 8 day hold on the deposit claiming they had information of a fraudulent deposit. No one at the bank or the phone number listed on the Notice of the Hold could explain or give me a reason. They had no evidence of any fraud. Because of their action, my rent check bounced and I was charged {$35.00} in late fees, etc.

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 2016-02-23
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
One of my student loan providers is Discover. I 've attempted to call them and ask them for a lower monthly payment plan but they advised they do not have any plans like that. They only offered to provide a forbearance in which I 'm not interested in because I do n't want to have my interest increase. I mailed them a request in writing to list all the options they have to help me pay them but they responded stating to give them a call. I am a graduate out of XXXX XXXX University and live pay check to pay check to get by. I feel the loan providers should be more flexible especially because this is a very known issue that happens to XXXX and maybe XXXX of graduates. Something must be done, this is simply unfair. I feel XXXX XXXX University is a scam and they promise a lot of things that they do n't keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Coastal Credit, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have already filed a complaint XXXX time and I 'm about to do it again. First off I have filed bankruptcy so no one should be trying to take payments out of my account since I put a stop to all Auto Drafts just looked and a payment had try to be taken from my account on the XXXX of XXXX and the XXXX. As I stated I would have it paid in full and caught up by the end of the month. Then when I filed the first complaint they just decided nor to respond to it which they are required too do so. I already know I have NSF charges on my account but I can clear all that up. It 's not right how these companies feel they can do what they want to when they want to. Do n't want to be bothered or harassed I will make sure all is done that needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-10-12
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was a storage unit that was abandoned, the contents of the unit were sold at auction and therefore the debt was paid by the money collected for the items sold. I was never provided with information on the sale of the contents, i.e. how much the items sold for. 
No one from the Aargon agency could provide me with the details on this, I requested a written accounting of the {$150.00} they claim is still owed and never received it.

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 2015-10-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
CitiCards is not Protecting Consumers from FraudAfter exhausting all avenues with Citi and spending a ridiculous amount of my time, I am turning to CFPB to file a formal complaint against Citi for failing to protect their consumers from fraudulent and unauthorized charges to consumer credit cards. 

First, I have maintained a long-term FICO credit rating above XXXX, so I am well respected among the credit and banking industries and this is not a claim without merit. 

Secondly, I have had a CitiCard fraud-proof credit card for more than 15 years in good standing. By fraud-proof, I mean this card is supposed to be guaranteed against fraudulent and unauthorized charges. It has no magnetic strip on the back, no raised account number or letters on the front of the card, and I only use it for internet type purchases. 

History : The XXXX Report or ( XXXX XXXX or other names they go by ) fraudulently and without authorization charged my credit card number they had on file since last year for {$490.00} on XXXX/XXXX/15. 
CitiCards sent me an alert email on XXXX letting me know a large charge had just been placed. 
I contacted XXXX the very same day, XXXX/XXXX/15, asking them to remove the unauthorized charge. 
On XXXX/XXXX/15, XXXX sent an email refusing to remove the charge. 
Since then, XXXX has refused to answer phone numbers or respond to numerous email requests. 

Complaint:1. CitiCards handled this claim as a dispute vs. and unauthorized or fraudulent charge. 
2. CitiCards did not honor my request to remove the unauthorized charge and the Citi investigator incorrectly claimed there were conflicting statements, which means they either did not spend the time to read the responses in their entirety, did not feel it was worth their time, or they just misinterpreted them. 
3. There is no way to counter the Citi investigator 's response as Citi 's first level call center personnel can not acknowledge the investigator made a mistake or did not perform due-diligence in resolving this matter. They claimed it was an irreversible decision. 
4. CitiCards did not protect me from the either fraudulent or unauthorized chare on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I would like to file a unfair business practice complaint against XXXX XXXX Ford, XXXX, XXXX, NY XXXX and Ford Motor Credit.They were so desperate to make a auto sale that they allowed my husband to sign a loan agreement, which included me on the loan. My husband never does any of our financial documents, as he is XXXX as to what he signs. I never stepped foot into that dealership, so therefore I never signed any loan document. I spoke to the owner and he was not helpful at all. I advised him that I wanted my name taken off the loan. I also informed Ford Motor Credit and they were of no help either. I would like to file a complaint against the dealership who allowed a person to sign a legal document in another persons name knowing that the other person was not there at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To dispute any credit cards or bank accounts that are not mine to clear and prepare credit

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 2016-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been the victim of on going ID theft and have several fraud accounts and info reporting on my Transunion credit report. I please ask that this info be removed and are blocked ASAP. Thank you 1.XXXX XXXX XXXX, XXXX 2.XXXX XXXX XXXX, XXXX 3.XXXX XXXX XXXX, XXXX 4. XXXX XXXX 5.XXXX XXXX XXXX, XXXX 6.XXXX XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX, XXXX 8.XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX, XXXX 10.XXXX XXXX 11. XXXX XXXX XXXX, XXXX 12.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 2016-05-02
Company: Glass Mountain Capital, LLC
State: SD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeated calls that started on XXXX XXXX. They call twice a day and refuse to tell me who they are and why they are calling. If it is a debt collector they have not sent any written validation notice within in the required 5 day from first contact. They continue to harass and annoy me and refuse to tell me who they are or why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/XXXX I have made multiple calls to Loancare trying to get a Loan modification after coming out of forbearance. Loancare reported my loan as delinquent for the months that I was in forbearance. This resulted in an over 100 points drop in my credit rating. This prevented me from obtaining a refinance from any other entity. We had an modification agreement in XX/XX/XXXX. I had the documents notarized and sent back to Loancare XX/XX/XXXX in the XXXX envelope that they provided. Loancare did not process the documents. They informed me that they did not receive the documents until XX/XX/XXXX. I find that impossible to believe. Then Loancare sent me another modification agreement with a higher interest rate, a higher mortgage payment of close to {$2700.00}. 
Their calculations included the amount of the delinquent payments while in forbearance. 
I have made countless calls to Loancare from XXXX XXXX XXXX, spoke with countless agents, been told conflicting information an the situation remains unresolved. The website will not accept payments from debit nor credit cards which prevents making the payments. I have asked for options to pay without response. The agents have admitted that the post office returned documents to them that did not reach me but decided to move forward with the foreclosure. The XXXX tracking dates do not match the date on the notices that Loancare states that they sent documents. When I did receive documents, I was past the response date because Loancare did not send them out to me timely. Loancare is impossible to deal with and should not in my opinion be allowed to service mortgage loans. Their incompetence is glaring.

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2020 I wrote dispute letters to XXXX, XXXX and TransUnion disputing the inaccurate information reporting to my Credit Report. I was a Victim of Identity Theft and sent in the police report along with my dispute letters expressing my concerns and asking for the information to be removed. It has now been 30 days and these negative items are still being reporting to 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 2022-10-12
Company: Byrider Franchising, LLC
State: OH
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:
I paid off my vehicle in 2019 and still have not received the title with the lien released. They sent me a letter, however in Ohio you can not use the letter as the Lender holds the title. I want the title to my car that I have paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XX/XX/2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am an authorized user on a credit card, but that card does not appear on my Transunion report, even thought it does appear on XXXX and XXXX. Transunion says nothing can be done, and my credit card company says the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A XXXX XXXX XXXX  was added to my name without my knowledge I have called the company to dispute this and they said to have canceled the card I now have on my credit report the amount of {$380.00} The account was opened on XX/XX/2021 with out my knowledge. 
I have since closed the account twice. Last time was by disputing the account on XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient keeps reporting to the credit bureaus that I 'm 120 days late which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Their investigation did not fix an error on your report

Complaint:
-I spent time comparing and contrasting across credit bureaus and under several different programs.

-I spent time identifying inaccuracies -I spent time checking the misuse and/or timeframes.

-I spent time purchasing searching XXXX and XXXX on what to do etc. 
- I spent numerous hours with customer service representatives making provisions -I have spent time placing security freezes -I have spent time sending debt validation letters and inquiring how my information has been misused -I have spent time defending my name and trying to protect myself because of incorrect information. 
-I have spent time speaking and consulting with credit specialist -I have been denied goods & services causing me to take a deeper look into my credit -I received bills from things I did not authorize -I have spent time investigating providing documentation and reports.

-I have spent time reading the general summary of rights under FCRA -I have taken time to place Fraud alerts for the misuse of my personal information. 
-I spent time investigation my local & state consumer protection rights.

-Reserarching forms from the IRS -Having the form 14039 Identity Theft Form submitted to the IRS -Police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX, Transunion, and XXXX is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.

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 2022-10-19
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 I submitted my loss mitigation packet to Freedom Mortgage, yet they keep asking for the same information I have submitted. Customer service verifies the documents are there & ask loss mitigation to do a 2nd review, at which point they will ask for something else. During this they sent me paperwork, that they verified went to another address, & they put a foreclosure sale date on our home during the time frame I had to ( re ) submit the same paperwork they already had. Im told Im responsible for the lawyer & foreclosure fees that are now on my account due to this, that I have 0 control of. I found out today they are reporting my mortgage foreclosure to the credit bureaus, telling me it will stay there indefinitely, when I was told as long as I was working on the loss mitigation it wouldnt go onto my credit. Due to them dragging this out & requesting I resubmit the same items my packet is now outdated. Essentially I have to start everything all over & resubmit all new information. This should not be happening & has created a lot of unnecessary stress & more financial hardship due to the impact this has made to my credit.

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 2016-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I pulled my credit report from XXXX, XXXX and Trans Union and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account. Trans Union did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED 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