BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: PA
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 send several letter pertaining to this matter already, along with copies of the police report. 
XXXX XXXX Account # XXXX Balance {$500.00} Opened- XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint number continuation XXXX The owner of XXXX XXXX is XXXX and XXXX XXXX my dear the same people you have been harassing for money we don't owe but you owe us

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2018-09-20
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Amongst other things Santander Consumer U.S.A. incorrectly reported my credit information to the credit bureau damaging my credit and delaying my home purchase in Colorado due to the destruction of my credit rating. Once the problem was identified Santander Consumer U.S.A. failed to submit the correct information to the credit bureau and refused to provide a simple email to mitigate my losses due to the inability to relocate. Santander Consumer U.S.A. routinely forwarded any over payments above the required payment amount to the next month reducing the next payment enabling them to continue to charge daily interest against principal monies I had already paid. Santander Consumer U.S.A. performed collection actions against me using auto-dialers that would call me up to five times a day beginning sometimes before my payments were even due on the XXXX of each month. Santander Consumer U.S.A identifies itself as a collection agency. and charged me " speed-pay '' charges in the amount of {$10.00} for each and every telephone payment I made in a cooperative arrangement with XXXX XXXX for a period of no less than 7 years. By charging these collection fees Santander received violation of the Fair Credit Collections Practices Act and the Telephone Consumer Protections Act. When I complained to both the CFPB and disputed the information provided by Santander to the credit reporting agencies, Santander provided misleading financial summaries and made disparaging statements about me to discredit my claims of illegal and deceptive business practices. Please refer to my first complaint # XXXX. Please review the attached documents, and letter explaining in the detail the damages caused to me by this corporation. I have also forwarded a copy of my earlier complaint to the CFPB and copies of the letter attached in an simultaneous consumer complaint to the Ohio State Attorney General XXXX XXXX for his assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-11
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After graduating college in 1994, I started repaying the student loans but then became unemployed and the loans were put into deferment. However, each year as I have tried to the get payments lowered to an amount that I can afford, Navient continues to say that deferment or forbearance is the only way to manage them. Now I am XXXX and have $ 150K+ loan balance that will never be paid off. When the loans first started they were through a bank and then went to XXXX XXXX and eventually Navient. This company has set out to make it hard for any one who struggles to make any payments. They have change guidelines and rules each time I try to renew the income sensitive repayment plan and end up placing me back on forbearance. There are many like me who would have paid on these loans had they been a manageable payment, but because they were usually 50 % higher than what I could afford, I know have this huge debt hanging over my head that will follow me to my grave. The consolidation they gave was a joke and did nothing to stop the interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Navient Solutions, LLC.
State: TX
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 several months of negative reporting for Acct # XXXX from XX/XX/XXXX, which is showing " pays as agreed '' however, it's showing delinquent for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During these time my loan was actually in Deferment/Forbearance status. So this credit reporting is inaccurate and should not be negative on my credit report. I DO NOT want my loans to be removed because of the age of the account, which I need on my credit report for history. 

This same complaint was made in XX/XX/XXXX. Complaint ID # XXXX. Navient responded with, the late/delinquencies were removed for XX/XX/XXXX and XX/XX/XXXX. Also, I spoke with a Navient advocate in XX/XX/XXXX and she also removed the delinquency from XX/XX/XXXX. Now as of XX/XX/XXXX, the delinquency from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is now back on my current Equifax report which caused my score to drop. So very frustrating!!!! 

I called XXXX XXXX customer service number twice and they saw that it was corrected last year. The Navient customer service dept stated, they will have someone call me. I am still waiting. Also, why do I have to keep going through this same thing again. Stressful and depressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my credit in XXXX XXXX discovered someone used my information to credit and get medical care. Ive sent letters request validation to XXXX XXXX & Experian. All 3 Credit Bureau ignored my request. With is a Violation of the FCRA!! I also asked for an update credit report via us mail and nothing was ever sent to me, with is another violation of the fcra!! Will attach ftc report and 605b letter dated XX/XX/21!! THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX {$1700.00} / $ XXXX {$500.00} Ive never done business with this company or entered into a signed contract! Focus financial also add this items to my Transunion file after they had been deleted without giving proper 5 days notice. This account is fraudulent and needs to be blocked!! Per fcra 605b.

2.XXXX XXXX XXXX {$350.00} Ive never done business with this company or entered into a signed contract with this company. 
All accounts are fraudulent accounts and needs to be blocked from my credit file. Per Fcra

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 2021-08-25
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing has placed a debt on my credit reports on behalf of XXXX. I have never signed an agreement with Convergent Outsourcing stating that I would paid a debt to them on behalf of XXXX. I have not agreed to pay XXXX for any of their services or opening an account in my name. For I do not recall coming into agreement with Convergent Outsourcing or XXXX for any account or services. 

It appears the amount owed for this debt that does not belong to me is {$750.00} with a partial account number XXXX reporting on the credit bureaus. 

At this time it is my legal request to have both Convergent Outsourcing and XXXX to dismiss and close out this debt and remove it from all 3 credit bureaus and their database.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/19. Pending paycheck was there the day before and today its not being deposited. They said on the phone sometime soon. Thats unacceptable. My funds were pending. This is the second time in 64 days. Navy Federal CU isnt holding up their end of the deal and releasing pending funds. In my case its from my private sector paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Movement Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A mortgage payment check was never received. My first contact about this missing payment was from the mouth of the customer service rep was that I was being placed into collections. I started a research process with Movement Mortgage. I provided a copy of the carbon copy of the check that I mailed in on XX/XX/2021 for a XX/XX/2021 payment. I was finally forced to place a stop payment on the check. I attempted to place a payment on-line but was forced to contact Movement Mortgage customer service for assistance as the web page was not allowing me to pay the payment on-line. I was told that since my account was delinquent I could not pay the payment on-line. I was told by the first rep that the only was to resolve this issue to pay on-line now the second rep told me I couldn't on-line. Now I want to pay but I'm caught in a Movement Mortgage loop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), including Transworld Systems Inc. ( XXXX ), I set up payment arrangements with XXXX and XXXX ( the same entity ) and met my payment obligations. The debt was initially for USD XXXX, and I made payments totaling over USD XXXX ; additionally, my Federal Income Tax Refund for XXXX was garnished at USD XXXX. 

XXXX alleges I still owe USD XXXX and has reported their error to all three credit reporting companies of XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had XXXX until yesterday and made several purchases thursday to sunday which showed in my account and were deducted and account was positive in good standing balance XXXX. Monday i made some checks to some people on which funds were deposited to the other persons account on Tuesday. Today ( tueday ) I checked my business account and is showing an overdraft fee of {$720.00} i also had other deposits coming. The overdraft fees were comimg from transactions that were done on the weekend which at the time the account was POSITIVE and still is ( the account has not been on negative, or they were not showing it ) Today its showing an excessive fee and the way the bank put the transactions were as they were done after the  checks were paid so they could charge me an excessive amount of fees. Is not the first time they have done this to my account. Regions

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 2017-08-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called numerous times today XXXX/XXXX/2017 to request to speak to a supervisor, but I guess you all do n't properly train your employees on the FDCPA Law because they answer the line with out ID themselves and then hang up debtors who calling in to pay on their accounts. After finally speaking to supervisor by the name of XXXX XXXX? I explain to him what I am calling to resolve my account and ask what can he offer as a settlement offer, then he ask me what can I offer, then I ask him again what can he offer, then he went out to explain how I was argumentative with the pervious representative, but I inform him if someone ask you a question, it rude to turn around as ask them the same questions that 's how conversation become argumentative but I guess since I 'm the debtor I am not smart and cant comprehend. You all do n't owed the debt which means that when some gives and offer you all suppose to take it and pass on to your client but XXXX told me to send it in written and its okay to send it through the BBB.org. I and offering to pay nothing since you all accuse me of being argumentative when I called and ask a question and all the rep did was ask me the same question I ask and then accuse me of being argumentative. you all are in violation of the FDCPA and I am requesting for you all to pay the bill for me and I need to speak with the CEO of XXXX and or President and laugh if you want to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Weber & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the dues billing received from XXXX XXXX XXXX in XX/XX/XXXX. 

In XX/XX/XXXX I received a bill for dues from Weber & Associates. 

XXXX I asked Weber for a breakdown / details as to what they claimed I owed and Weber could not provide such information. 
Weber just resent me WEBERs created vague bill. 

XX/XX/XXXX I called Weber - Weber had no record of my XX/XX/XXXX payment, so I contacted XXXX XXXX and asked XXXX XXXX to check its records. 

XX/XX/XXXX - I spoke with XXXX ( accounting ) at XXXX XXXX said it received my payment in XXXXand confirmed no further payment was needed as I paid my dues in full ( the amount billed to me by XXXX XXXX ). 

XXXX - accounting for XXXX XXXX -said she would inform Weber that my dues had been paid in FULL in XX/XX/XXXX ... 

Fast forward ... and in XX/XX/XXXX, I receive another bill from Weber & Associates- stating that although dues had been paid - Weber NOW wanted more fees and interest charges- based on what? After XXXX XXXX already confirmed that in XX/XX/XXXX all dues / amounts charged by XXXX XXXX had been paid / check cashed etc. 

Weber is AGAIN asking for collections ... this time asking for fees and interest ( with no breakdown, no details as to basis or calculation or rates or time period etc ) - based on what basis or calculation - when XXXX XXXX accounting confirmed previously that the dues were paid / check cashed XX/XX/XXXX ... 

and in XX/XX/XXXX XXXX of XXXX XXXX accounting confirmed no further dues or amounts were owed??!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had placed a mobile deposit of my payroll check with my cell phone. Wells Fargo had sent me an email saying that my deposit would be delayed. Because it was a mobile deposit I did not think much about it and checked my bank the next day. Funds were not available and the deposit was showing as being held. I called Wells Fargo customer service to inquire and they told me that they had reported my mobile deposit as potential fraudulent activity and that my own funds from my paycheck would not be available for 7 to 10 days. There was nothing that would have indicated the check was fraudulent. The check was made out to me and Dorst by me and was from my work. Now I will have no paycheck for 3 weeks since I am paid bi-weekly. How am I supposed to live and pay my bills? Nobody at Wells Fargo could help me or cancel the deposit and it seems unscrupulous than I am being held hostage by a financial institution. I have no recourse and nothing that I can do.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
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:
According to 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. 

I DID NOT GIVE CONSENT OR INSTRUCTIONS, for XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX or consumer reporting agencys to put late payments on my consumer report, without my knowledge or instruction. 


DELETE or REMOVE, or update the account to never late/ paid on time! Immediately!

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 2018-02-13
Company: CITIBANK, N.A.
State: TX
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 paid a company XXXX XXXX XXXX XXXX on XX/XX/17 XXXX.When i contacted my credit card to dispute the charge they initionally gave me a provisional credit.I disputed it as services not rendered but they did not look at it that way and put the money back on my card.That was a mistake on their part.It should have been looked at as services not rendered. It also happened to me with Renevate to rent who charged me XXXX and rendered me no service.I would think these should be looked into properly.Master card made the mistake and i am paying for it.Thank you  in advance.

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 2018-02-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a XXXX student ( XXXX ) and XXXX XXXX XXXX ( XXXX ) from XXXX university in XX/XX/XXXX which were both sent to collection agency conserve in XX/XX/XXXX. I fully paid both of these loans through conserve XX/XX/XXXX at the amount of {$8900.00} total and have attached the documents to this email stating I have fully paid both loans and have a balance of {$0.00}. A few months ago, the XXXX student loan that was already paid off was again taken to a different collection agency, XXXX XXXX XXXX. The portal XXXX XXXX showed that the entire payment was put towards the XXXX XXXX XXXX and {$0.00} to the XXXX student loan making it look as if I overpaid one loan and didn't pay at all for the other. I contacted them and XXXX university, as well as conserve who all have said I have a {$0.00} balance and owe {$0.00} and was told this would be taken care of. I logged on to XXXX again and now instead of showing the XXXX student loan is in collections ( it should show " paid in full '', it shows that I owe {$990.00} with a payment of {$40.00} due on XX/XX/XXXX. I called XXXX again and they told me they were contacted by a XXXX university staff member, XXXX XXXX, stating that I still owe this much money toward the XXXX student loan. I again contacted XXXX university 's XXXX 's office and financial aid office and they have said I do not owe any money and my account balance is {$0.00}. i was told to email the documents as well as a description of the issues to the XXXX University treasury to get this straightened out and for XXXX to be contacted to correct this error and show that both loans ( XXXX XXXX and XXXX student have been paid in full, which I did on XX/XX/XXXX, however I have no recieved any response or confirmation that this issue is being taken care of. My credit report now shows a delinquency of a {$990.00} payment that does not exist and I have contacted these three companies numerous times since XX/XX/XXXX and nobody seems to be helping to solve this problem. I have attached the documents of proof from conserve collection agency that both of these loans are paid in full. 

**THE PASSWORD FOR THE DOCUMENT IS : XXXX Thank you, XXXX XXXX Student ID @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions 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:
I am a victim of identity theft. The following credit inquiry is fraudulent, unauthorized and dont belong to me : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX. I never applied for a XXXX XXXX  credit card.

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