BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: R & B Corporation of Virginia
State: VA
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:
I have contacted collection company a few times telling them the debt for XXXX XXXX was paid prior to it appearing on my credit report. 

They have been dismissive even though I have proof debt was paid

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I keep getting fraudalent transactions on my account and when I try to dispute the transaction I'm getting put on hold for hours then the call will drop out of no where having to start the whole process over again.i really spent from XXXX to XXXX XXXX  yesterday and never talked to anyone on the phone to help me with my dispute

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 2021-02-23
Company: FC HoldCo LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote Hardship letter to Flagship and it was accepted in Good faith presumably? They answer in good faith I guess? So I agreed to there terms then I was blessed with additional funds and I paid the complete balance and some. I enclosed a rider subject to them cashing the balance of check and did not receive a reply nor conformation. They cashed the check and took over 60 days to credit the account. Then they added extra fees and then after 90 days corrected them. I am request correction on the part of Flagship. They receive funds upon agreement but never correct the funds to the account. At first credit bureaus showed account in collection. Wrong amounts of balance and payments they refuse to correct. The account is paid in full but they show three collection on account and still show charge off? how can account be both? So I paid the to get a worst credit score then before. I request deletion of account asap.

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 2021-11-04
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following company has continued to report the following account to my credit report. The company has failed to provide me with violation of debt. I am bringing this information forth to a judge in my area if this account is not removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX Basically, the issue here is that Navient/XXXX XXXX has consistently reported inaccuracies on my student loan account. One source of the inaccurate data has been from XXXX XXXX failure to record my full home address even though it was directly reported. That failure to record accurately resulted in a three months delay in my receiving income based payment annual application in a timely fashion. 
This situation caused my account to lapse and collect past due fees for which I should not have been penalized. 

Second, XXXX XXXX/Navient has also caused further harm by submitting the wrong information regarding my eligibility for deferment/forbearance plan. By supplying misleading information regarding my eligibility for deferment/forbearance, XXXX XXXX has manipulated my account and this process has given the XXXX XXXX the ability to wrongly charge my account with late payment status. 

For clarity/specifics, on XX/XX/XXXX, I contacted XXXX XXXX by phone to report my change of address. The XXXX XXXX agent who handled my call informed me that she would update my account data. However, XXXX XXXX claimed that I simply failed to properly report a change of address. On the contrary, I have found my certified letter to XXXX XXXX dated in XX/XX/XXXX of that transaction request. 
( copy attached ) It took XXXX XXXX three full months before the application form was actually delivered to my correct home address. ( There has been late fees added to my account as a result of that late transaction by XXXX XXXX. ) Those late fees were added in XX/XX/XXXX when the Navient system reported my account as being ninety days past due on my credit report. 

The other major problem is that I have been on the Income Based Payment Plan since XX/XX/XXXX. My loan was consolidated with XXXX XXXX in XX/XX/XXXX. 
However, when I lost a full time job in XX/XX/XXXX, a XXXX XXXX agent informed me that I was eligible for a deferment plan. However, she was wrong, and as a result of that wrong information, when the deferment time expired on that plan, a payment was necessary to keep my account updated. Yet, my income was too low to pay it. 
In other words, I should have simply remained on the income based payment plan. 
There was no real need to change plans in the first place. 
Meanwhile, the " ninety days past due '' has been reported by XXXX XXXX/Navient on my credit report. This has limited my credit score and impacted my ability to obtain credit. 
I have supporting documents to support my above claim. There are two separate attachments which clearly identified the negative situation on my account with Navient. 

Consequently, I make the request that Navient remove the late fees from my current credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: SYNCHRONY FINANCIAL
State: OH
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:
PPC just responded MY PREVIOUS CFPB COMPLAINT and said due to my XXXX  impact they would remove all negate reporting and late fees and my best payment would be due XX/XX/11. Well, my reporting for XXXX just reported out 90 days late while XXXX reported current!!! My husband died from this XXXX  and I can not get a loan to pay for his fureral because of my credit!! Also - they 100 % failed to acknowledge the fact I am one person who no job because of COVID with XXXX kids. I do not have {$190.00} by XX/XX/11. I can not not even do XXXX for my kids. I asked for PPC to settle this account with me at a reasonable amount! Most of what I owe is interest anyways! I am waiting on unemployment which who knows when that comes in and that is going to hardly cover my bills let alone leave extra to take care of my family. I hope to be able to afford {$50.00} per month which is what I was paying before loss of job and COVID. XXXX is the only company that has worked out this sort of arrangement with me! They took my interest to ZERO and settled my account! THE CFPB needs to take action and make these companies help was people are have no control over what happened! These companies only care their income and not about the people!

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
AGAIN I FILED A COMPLAINT AND ADVISED XXXX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY XXXX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE SEVER XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''

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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 pulled my credit report and seen the negative items reflecting on my report for some reason and I dont think or believe it should even be up there because its false and its hurting me from doing what I need to do for my family and it need to be removed. I wrote up a dispute letter on XX/XX/2021 and sent it out certified so I can keep track of my letters because the credit bureaus are quick to say they didnt receive anything. Im also going to attach my the letter here with my proof of address and return receipts for when I sent out my letters. Please help me with this matter I would greatly appreciate 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 2023-05-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-10-04
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are many XXXX XXXX XXXX, However I have not lived anywhere out of XXXX XXXX County. As a child I lived with my father in XXXX XXXX XXXX until XXXX years of age when I start living at the XXXX address until present. Couple years ago I went to Vote and they told me I voted already which I did not so I had to vote by paper. Someone must have stolen my identity and because of this I am having a XXXX on my background when it should have been adjudication withheld and not a XXXX. 
I will be filing and identity theft report because someone is using my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: WELLS FARGO & COMPANY
State: NJ
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:
-My Wells Fargo ( " WF '' ) auto loan detail on my XXXX  credit report has not been updated since XX/XX/2020 ( see " Exhibit A '' ). For example, the date of last payment shows as " XX/XX/2020 ''. 
- I have had to file multiple disputes ( see " Exhibit B '' ) with XXXX   over the past few months in-order to get the details to correctly be reflected on said 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 non-monetary relief
Consumer complaint received 2020-11-22
Company: SinglePoint GI
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debit valadation letter to General Revenue they continue to try to collect on a debt that is not mine and are ruining my credit on a fraudulent debt. They have yet to validate the debt is accurate and send me proof this is mine. They sent out the notification of debt after they submitted it to the credit bureaus without validating or letting me know I have a debt which is in Violation of my rights as I have submitted proof from the credit bureaus they did exactly that and a dated letter from them after they submitted it to the credit bureaus. I have also attached proof I have no current balance with XXXX XXXX XXXX Nevada ( XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To Whom It May Concern, I am sending this letter to you in response to a collection notice I received from you on XXXX/XXXX/2020. Be advised, this is not a refusal to pay, but validation is requested. 
I XXXX XXXX dispute this fraudulent account representing a balance of XXXX. 
I do not owe XXXX XXXX  XXXX Nevada as I am in good standing and proper financial aid in place. This is not a valid account under XXXX XXXX. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Please produce all documents relating to the chain of custody authorized by XXXX XXXX XXXX Nevada to collect on the mentioned account. 
If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX  or XXXX  ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A reverse mortgage lender assessed against the reverse mortgage loan {$15000.00} in fees for " removal of a lien '' on the property. However, there never was a lien on the property, according to the county recorder 's record. When the reverse mortgage lender was contacted in writing on several occasions and asked to provide a written explanation, they did not want to discuss the matter and kept insisting that they had no knowledge. The original borrower of the loan has died and the lender is calling the loan ; for which, they have started a foreclosure process. I reminded the lender in writing that their foreclosure action is based on false information and incorrect final balance, however, my warning again went unheeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XX/XX/2019, I applied for and received an American express preferred credit card. The promotional benefits advertised and was confirmed when I contacted Amex. Amex was supposed to have been given to me once I met the criteria, which are as follows : 1. No interest for the first 12 months of all purchases 2. {$250.00} cash back after spending {$1000.00} or more within the first three months, which I did. However, I have not received these two promised introductory offers. I inquired on XX/XX/2019. I was told by XXXX  in the Florida conflict resolution office, that American Express corporate office made a decision not to give me the introductory promotional package. No Explanation was given other than after looking at my credit history, The corporate office decided not to give me the promotion. I asked that the matter be further look into as I was not informed either by email or telephone call or a letter sent to my home. On XX/XX/2019, I received an email reading that somebody from corporate office would get back to me within 5 to 10 business days. Those 10 business days were up XX/XX/2019. Today is XX/XX/2019 and I still have not heard from them. 
Oddly, Amex is honoring 6 % cashback on groceries and streaming. Had I been informed when I applied for this card, I would not have opened the card and I certainly would not opt to Open a card that has a XXXX $ annual fee. I am a low income senior and feel I was taken advantage of. This feels like bate and switch and false and misleading advertisement. If my credit history was good enough to grant the card then I should be able to have the benefits offered through that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
It happened a second time in a row ... just filed another complaint yesterday. Today 's case makes a total of FOUR instances in as many months. The sum of {$1100.00} was deducted from my US account on XXXX XXXX. On XXXX XXXX I received the below notice that transfer was in progress. Today I noticed the entire transaction completely disappeared from my MoneyGram account. I initiated chat to complain and was told my receiving bank, XXXX XXXX, rejected both this transaction and the one I complained about yesterday. I then called XXXX XXXX and was told no such transaction was rejected, and each MoneyGram transfer I have made since XX/XX/XXXX occurred without incident until now. One of the most concerning things is that these transactions completely disappeared from view until I complained. After complaining, a screen refresh returned both to my view. Just how long were these funds going to stay in cyber balance until I was contacted? In both cases, the transactions were not marked " cancelled '' and confirmation emails sent until I insisted on having cancellation reference numbers. /// XXXX XXXX confirmation message follows : Transaction Receipt : Your money transfer has been sent successfully and will be deposited to your receiver 's account or wallet as designated. 
MONEYGRAM PAYMENT SYSTEMS, INC.

XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CDT Sender Information Name : XXXX XXXX Phone : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, US-VA XXXX , United States Receiver Information Name : XXXX XXXX Expected Destination : XXXX XXXX Receive Option : Account Deposit Receiver Account # : XXXX Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX USD Transfer Fees : XXXX USD   Transfer Taxes : XXXX USD  Total Cost : XXXX USD  Debit From Bank : XXXX XXXX Exchange Rate : XXXX USD  = XXXX XXXX   Receive Amount : XXXX GBP  Other Fees : XXXX GBP Other Taxes : XXXX GBP Total Receive Amount : XXXX GBP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, 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:
I am upset to have to complain about accounts I did not consent to and have been a victim with identity theft and fraudulent activities. I cant understand why I am being held accountable for accounts that weren't done by me! I have made countless attempts to remove these accounts and still they remain which is very wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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