BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
" XXXX '' employee XXXX of Sears ( my phone however indicated that the call was from " Citi '' ) called one business day after another such caller called probing in the same way about a non existent debtor in my home. Both were told that they did not have the debtor they sought. XXXX asked if I denied a relationship with the debtor despite my comment that on my belief and information the debtor lived in XXXX, not XXXX. I also informed her that I was born XX/XX/XXXX. She promised, as did the caller the week before ( Friday ) not to call again. The phone number XXXX dialed from read out 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 2016-09-13
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please refer to your compliant number XXXX concerning, among other offenses, harassing robocalls asking for the card holder to establish an automatic charge to our bank account. All facts described in that complaint remain the same. CITI has developed some method for circumventing the call lock on their number. The credit card account was never activated therefore and the balance consists of disputed transactions and accrued interest which were reported to CITI on XXXX/XXXX/16 as soon as the transaction were discovered. The balance is not a legal debt and the account was never accepted or established by the named card holder. Therefore, there exists no legal basis for the debt and thus no basis for the harassing calls. In addition, circumventing our call blocking system demonstrates a pattern of harassment. PLEASE CORRECT THE LAST XXXX OF THE SSN ON THE ORIGINAL COMPLIANT. IT SHOULD BE XXXX INSTEAD OF 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 monetary relief
Consumer complaint received 2021-12-30
Company: FISERV INC.
State: UT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Back in XXXX I was supposed to receive my XXXX card as part of the stimulus package for 2021. Someone in my household intercepted the letter that contained my card, and told me it never showed up. I put off calling on it until this XX/XX/2021. Mostly because I figured if anything I'd claim it on my taxes next year if they never sent it to me. But something told me to check by calling the company to see if a replacement or something could be sent out. I then asked if there was even still a balance left on the card and they said that no, there wasn't. So I didn't become aware of the fact that the card had been stolen and used until 8 months down the road. To activate these cards, someone needs the last six numbers of your social security number. Easy enough for a housemate of mine to access considering my tax documents are present in many of my files in various accessible places in our home. I went ahead and asked the representative to give me the information on which merchants had been visited and my funds had been spent at. I recorded the information down so I could begin the dispute process and file a police report. I submitted my written claim in the alotted time, with the copy of the police report and waited. Today I received a denial of my claim in the mail, citing " inconsistent information '' as their reasoning for denying my fraud claim. I am beyond frustrated. I have no clue how to remedy this but most of all I don't understand where in the world the information was inconsistent considering the police report I filed corroborated the information they gave me about the charges on the card, and all the info on the dispute form matched the police report and the bank statements. I just don't understand why they wouldn't honor a claim that gave all the necessary information. I didn't even know my card was stolen until I called to see if I could just get a replacement since I was under the impression the first one just got lost in the mail. MoneyNetwork, the company that handles distribution of the XXXX cards for stimulus check funds, is the company in question here. They have been less than helpful and if anything negligent in handling this efficiently in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: ARVEST BANK GROUP, INC.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just refinanced my mortgage to a 15 yr fixed. I sent in my payment with an extra payment. I noticed the loan company is not reducing my interest charge based on the principle amount owed. I called the loan company and was told that my interest payment is never reduced from the amortization schedule, that I will always owe the stated monthly interest no matter what the principle is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Perfection Collection
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Perfection Collection in  XXXX  Utah has put a collection notice in  XXXX  of the  XXXX  credit agencies against me, but I 've never received a written notice of debt from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan with  Wells Fargo  on  XXXX   XXXX ,   XXXX  . I was approved for the full loan amount and the loan officer stated she had to wait on a second approval from her supervisor. On  XXXX   XXXX ,   XXXX   I received a email stating I was denied because of my debt to credit ratio and I would need a cosigner. On  XXXX   XXXX ,   XXXX   I added my husband as a cosigner and once again I received an email stating we were denied, without a explanation, phone call or a follow up procedure. I have tried to contact the loan officer on several occasions, leaving voice mails but yet we have not received a valid response. This is the first time I have been involved in a situation of this magnitude with no transparency on a corporate business level.

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 2022-04-16
Company: Experian Information Solutions Inc.
State: FL
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 non-monetary relief
Consumer complaint received 2015-09-03
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being sued by a debt collector ( LVNV Funding , LLC ). LVNV Funding claims to have purchased a credit card debt in my name from XXXX Bank, who is listed as the " original creditor ''. Two months after my request for discovery, I received documents with my name and address indicating that I had a XXXX Bank XXXX credit card used from XXXX to XXXX, and that I had applied for this card " on or about '' XXXX XXXX, XXXX. The problem ; I have never had a XXXX XXXX credit card, or any other XXXX credit card. I then asked the attorney for the plaintiff to provide the application. The response was that sometimes there is no application because requests are done online. I can not believe that XXXX Bank would discard the information I would have needed to provide in order to obtain credit from them, even if done online without an actual signature ( unlikely in my case ). It should be a simple matter for the plaintiff 's attorney to provide the original application. What is the CFPB stance on something like this? How can I prove the debt is not mine when the plaintiff has documents that indicate otherwise?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: ALLY FINANCIAL INC.
State: AZ
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 have over  XXXX  hard inquiries that I did n't authorize anyone to do on my credit, and they wo n't remove them from my credit report, different dates and companies and many are the same with different dates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a prime example of the worst-case scenario regarding predatory loan disbursement ( on behalf of  XXXX  University  ),  and predatory forbearance/deferment tactics ( on behalf of  XXXX   XXXX  / Navient ).      XXXX  : When I was signing up for my student loans with  XXXX , the financial consultants there did a poor job of helping me get the lowest interest rate loans, and the fewest loans. Furthermore, they did n't do a good job communicating what I was actually being signed up for. By the time I graduated in   XXXX  , I have ~ $  XXXX  student loans ; $  XXXX  of which was at 6 % APR ( DoE loans ), and $  XXXX  of which was  ~10  % ( VBR, private loans ). Many of which are unsubsidized.      XXXX   XXXX   / Navient :  Since   XXXX  , I have encountered financial hardship a couple times. In those times, my  calls to Navient usually r esulted in a forbearance or a deferment. They made it seem like those were the best options for me, despite that fact that it was far from the case. Even though I have payed my loans every month for 5 of the 7 years since   XXXX    ( ~2 years were forbearance/deferment ), the current bala nce EXCEEDS the original principle. I have made no progress in 7 years of repayment.     Conclusion : I feel  XXXX  an d Navient  have employed predatory tactics to ensure that  1 ) I finish school, regardless of the cost of my loans, and 2 ) t o reap the most amount of interest from me after graduation. This is a massive burden that I have had to carry, and will continue to carry, for decades to come. My only hope is that some of it will be forgiven under the pretense that I am the victim of unfair tactics at the hands of a system designed to exploit students.     As a side note, I will soon be filing for bankruptcy as a result of an even worse circumstance where I have ~ $  XXXX  medical debt as a result of an emergency   XXXX    XXXX  I needed to have to survive. Combine these  XXXX  debts, and I 'm   XXXX  . I am filing for bankruptcy soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Millennium Credit Consultants Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office,

Company response to consumer: Untimely response
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX, I called XXXX to pay all balances in full through phone, and the XXXX representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : Experian, XXXX, and XXXX, I have found that my credit reports showed my closed XXXX account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to XXXX and requested an investigation to resolve the issue. In the letter, I provided XXXX with full name and account number. 

On XX/XX/XXXX, XXXX wrote me a letter to request me to send XXXX the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to XXXX to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested XXXX to investigate. 

On XX/XX/XXXX, XXXX responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how XXXX came to that conclusion. 

I do not agree XXXX conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with XXXX tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since XXXX is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request XXXX to notify the XXXX credit reporting agencies : Experian, XXXX, and XXXX to remove or delete the negative item on my credit 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 2017-05-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently obtained a copy of my credit file and there is wrong information in my report.     XXXX   XXXX   XXXX   XXXX   XXXX  * : Unverified account   XXXX   XXXX   XXXX   XXXX   XXXX   Unverified account   XXXX   XXXX   XXXX   XXXX   XXXX   I have never paid late this account Beside that, my personal information is reported incorrect, please fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently obtained a copy of my credit file and there is wrong information in my report.    XXXX   XXXX    XXXX   -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : I have never paid late this account Beside that, my personal information is reported incorrect, please fix 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 non-monetary relief
Consumer complaint received 2017-05-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX   XXXX   XXXX  acknowledged that I opened the account on  XXXX  and closed my account   XXXX  . I had an account where I paid monthly and the service would be cut off if I did not pay my monthly {$45.00}. I did not sign any 2 year contract and I did not buy a phone from  XXXX   XXXX . When I canceled the account, at  XXXX   XXXX  's approval, they did not inform me that I owed them anything. They say I owed them {$730.00}, but when I contacted  XXXX   XXXX  's headquarters on   XXXX   XXXX   XXXX    , they would not provide me with any proof that I ever owed them anything before the date I closed the account on   XXXX  .     According to the Credit Report,  XXXX   XXXX  indicated I opened the account on  XXXX  - I DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday, XX/XX/2023, I was attempting to transfer {$1400.00} from my checking account at USAA into my savings account. I accidentally transferred it to an account owned by XXXX XXXXXXXX XXXX which had not been used in 10 years. I called USAA as soon as the mistake was made and they opened a dispute. I received a letter stating that they attempted to contact XXXX XXXX and retrieve the funds and had been unable to do so. I explained that I currently lived in Alabama and no services had been rendered so I needed the money, which was my XXXX XXXX disbursement to be returned. USAA said there was nothing they could do at this time. The letter states to contact the person and request a refund but I have no updated contact information and have been unable to contact her on social media.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent a validation letter to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. (  15 USC 1692g Sec. 809 ( b ) ) I do hereby request that yo ur office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.     Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency. TransUnion keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and thes e two acco unts need to removed immediately for they was never validated so clearly they are not verified.

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 2016-02-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have asked experian and XXXX going on 2 years now to update my credit and fail to do so. I have also indicated to them my report needs to match XXXX. I do not have any deb t and filed bankruptcy and it was discharged and its still not updated as of today and its going on two years. i can e reached at 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