BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
Company: Stellar Recovery, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has placed a collection item on my credit report with the credit bureaus. That collection item showed up suddenly and does not belong to me. The name on the debt is not my name, yet was the debt was still attributed to me and placed on my credit report. This is deeply problematic as it prevents me from getting a home loan. 

On Wednesday, XXXX XXXX, 2018, I contacted XXXX XXXX ( through XXXX XXXX ) and informed them that the collections placed on my credit report with the credit bureaus represent a debt that does not belong to me. I informed them that the name on the account is not my name and I have never gone by that name, in fact, the surname is not my surname. 

XXXX XXXX refuses to remove the item from my credit report. I need the assistance of the CFPB with getting this wrongful collections item removed so that I can move forward and be able to secure a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've reached out to Experian numerous times by mail with return receipt to have these unauthorized inquiries removed : XXXX. XXXX - XX/XX/XXXX -- XXXX Verify XX/XX/XXXX -- I've also tried to have them remove these CLOSED ACCOUNTS -- XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX -- XXXX {$2300.00} XX/XX/XXXX -- XXXX {$1400.00} XX/XX/XXXX -- XXXX {$6400.00} XX/XX/XXXX -- XXXX {$9300.00} XX/XX/XXXX. One late payment showing XXXX XXXX XXXX XXXXXX/XX/XXXX -- I also attached federal laws 15 USC 1681A ( 3 ) -- - 15 USC 1681A ( 4 ) and they STILL haven't removed said items!

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 2017-11-16
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has already been paid, I have talk to the main company and the system has been updated. They keep calling trying to scare me telling me that they are coming to my house and my work to try to collect the debt. I have explained to them many times that the debt has been clear, they call me from different numbers but always using language to try to scare me. 
They call themselves XXXX and one time was XXXX XXXX is the number that they use last, I try to tell the guy to stop calling me and he hang up and call me again. 
Please help me with this matter. 
Thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I initiated an online MoneyGram transaction. I was sending {$1500.00} to my brother-in-law in XXXX ( XXXX ), TN. He is a police officer and needed some cash to make his rent payment and avoid an impending eviction. He was going to pick up the cash at a nearby XXXX  location. I entered my XXXX credit card information online to process the transaction. I got a confirmation back that my transaction had been accepted. A few minutes later in a phone call with MoneyGram, I was informed the transaction did not meet their anti-fraud security requirements and that the transaction was being cancelled by MoneyGram. 

On XX/XX/XXXX, I checked my credit card statement online and discovered, MoneyGram never refunded the {$1500.00}. I have also incurred additional fees from my credit card company for a cash advance. 

I called MoneyGram on XX/XX/XXXX. I was told the transaction was cancelled on XX/XX/XXXX despite having been told on XX/XX/XXXX that MoneyGram was cancelling the transaction for the above stated reason. I was informed it could take 3 to 10 business days from the XX/XX/XXXX date for the refund to be posted back to my credit card. If MoneyGram has the ability to instantly charge my credit card account, then they also have the ability to immediately process a refund or transaction cancellation. 

At no point prior to the transaction being completed by me online did MoneyGram clearly disclose their refund policy if the transaction was cancelled by MoneyGram. Had MoneyGram made this disclosure, I would not have completed the transaction. 

Now, my credit card issuer is expecting me to pay {$1500.00} plus the associated fees by the XX/XX/XXXX payment date, thereby creating an UNDUE FINANCIAL HARDSHIP. 

MoneyGram 's business practices are DECEPTIVE AND UNFAIR and do not protect the consumer against their unfair and possibly fraudulent business transactions. 

Despite similar complaints previously filed with your agency, MoneyGram persists in deceiving and defrauding consumers.Please refer to the following complaint numbers with your agency to see a LONG HISTORY OF DECEPTIVE AND UNFAIR TRADE PRACTICES : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

I have now spent hours of my time trying to get back money I was rightfully due on XX/XX/XXXX. It is time for CFPB and the Attorney General to prosecute MoneyGram.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up to the response from Wells Fargo to my complaint XXXX. Unfortunately, their explanation is not based in reality. I did not apply for a VA loan. I did state emphatically to the loan officer, XXXX XXXX XXXX that I wished to look into purchasing a property in Florida that would include rental income ( such as a XXXX XXXX and close on this before selling my NJ home. I told her I anticipated a period of at least several months when I would be holding both properties. The only mention of VA financing on my part was the ability to refinance the Florida property after I permantly relocated. I never filled out any application and most my contact with her was by phone. She did call at least twice saying the underwriters had questions about taxes and rental income. Soon after this she sent me a XXXX XXXX mortgage preapproval. I acted on this in good faith and contracted for a property selling for more than {$50000.00} less than the preapproval amount. The contract was sent to Wells Fargo and from that point XXXX XXXX stopped answering her phone and did not return messages. When she finally responded she told me I could not get a VA loan but could do a conventional one. Then, several days later she told me I had to sell the NJ home first. This was at total odds with what we discussed at the outset as well as throughout the process. As for the denial letter they could put any date they wanted but the fact is I did not get it until after the closing date allowing the seller to claim my deposit of {$5000.00}.

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 2019-04-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
IhavespokenwithNavientcustomerservicetoaskaboutautomaticpaymentsthatarescheduledtocomeoutofmyaccount.ThereptoldmetheydidntseeanyextrapaymentssoIsetupautopay.NowIhavedoublepaymentscomingfrommyaccounteachmonth.IjustcalledFridayXX/XX/XXXXandthereptriedtotransfermetothedepartmentthatsetupthepaymentandthecalldropped.ShedidntmentionanythingaboutapaymentbeingscheduledforXXXXbutnowafullpaymentjustcameoutofmyaccount.IcantaffordtopayNavientdoublepaymentseachmonth.Ialsoaskedherifthedoublepaymentshadbeenappliedtothebalanceandshecouldnttellme.WhereismymoneygoingandIwantthatXX/XX/2019paymentreversedASAP.IwanttheupcomingpaymentscancelledforonlineandtheonesthatweresetupbytherepresentativeandIwantsomeonetoexplainwheretheextrapaymentsImadewereapplied.Whatismybalance,whenwillthisloanbepaidoff?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: FC HoldCo LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly tried to contact XXXX XXXX XXXX to no avail. They have placed unknown negative accounts on my XXXX, XXXX and XXXX  credit reports. This negative account is hurting my ability to apply for new 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 2018-11-14
Company: Experian Information Solutions Inc.
State: NV
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 recently started a Credit Monitoring Service because my wife noticed a large amount of mail coming to the house which we usually just dismissed as wrong address or wrong person. We travel extensively overseas and never use credit much at all to keep from accumulating debt. We have been overwhelmed as we look at her credit file and my own to find erroneous accounts that have accumulated over the years un-noticed by us. We are going to have to check all our personal accounts both here an abroad as well as our personal information immediately for fraudulent activity. We are filing this affidavit as a first step to protecting our personal information from this day further. We hope that this will assure us of protecting our good names in the future.

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 2022-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX, XXXX an amount of {$60000.00} was taken from my account illegally by the XXXX  Of XXXX for a debt that had been paid for in XXXX to the XXXX of XXXX. SXXXX XXXX XXXX Returned the funds within XXXX. I discussed this numerous times with Wells Fargo XXXX and they advised me that since the funds were returned it would be flagged as a fraudulent XXXX and could not happen again. In XXXX of XXXX, The XXXX XXXX XXXX or an entity within the Government filed a bogus XXXX again, and this time took {$100000.00} from my account. It caused me great emotional stress and immediate destitute. Release of XXXX for XXXX Of XXXX reference to Account/Case Number for the bogus claim The State Of Texas, XXXX provided and Wells Fargo XXXX failed to protect my funds. I talked to XXXX XXXX and XXXX XXXX and they were rude and not compassionate to the situation at all.

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 2022-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with BANK OF AMERICA XXXX My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since 1933. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. BANK OF AMERICA became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes.

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 2021-09-10
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account. Please delete this negative account off my credit report asap. I've never got anything in the mail or anything verifying this is XXXX percent my debt. according to the FCRA you must delete this debt asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX I received a call from td bank asking if I need any help with my business account I said no didnt no YALL made calls then hung up so about XXXX XXXX  that same day I received a text message asking if I had tried to purchase something in the amount of {$540.00} I texted back no and awaited for my response for them to say they are gon na cut my card off but they didnt I then received a phone call at XXXX and the person on the other end stated that they were calling me from td banks fraud department and that I had some unusual activity on my account that they needed to stop I was on the phone for 40 not realizing that the person was in my account sending fraudulent XXXX payments 28 to be exact so being that my card was compromised I went to get money from my business account and saw that they had moved {$5000.00} to my personal and I couldnt even log in so I called td bank back on the number that called me they stopped {$1500.00} in payments but did not stop {$3500.00} and I still do not have money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( 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. 
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete. 
XXXXXXXX XXXX  XXXX # XXXX : This account is listed wrong and error please delete. 
XXXX. XXXXXXXX XXXX XXXX  # XXXX : THis account is not listed properly error please delete. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX : This account was discharged and listed improperly please delete.

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 2019-04-07
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is the second complaint about Navient from me. 
Why was the balance of the loan that has been transferred from the previous owners of it so high? Why is the interest still on the full amount of the loan that was taken out in XXXX? that was {$13000.00}. 
I paid over {$8800.00} in XXXX the {$2300.00} in XXXX and {$1700.00} in XXXX. 
not counting what I paid from XXXX to XXXX.it has changed hands four times. 
AND this is my sons loan.. Not mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: CA
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:
It came to my attention that my file has been merged with my fathers file which is clearly erroneous. 
I took the liberty of writing to this company on XX/XX/XXXX, with  clear instruction differentiating my fathers data with mine. 
our personal info detail differs from one another. 
My fathers name : XXXX XXXX XXXX, My fathers Social security number : XXXX XXXX XXXX, My fathers date of Birth : XX/XX/XXXX. 
This is my information : My names are : XXXX XXXX XXXX XXXX, My social Security number : XXXX, My Date of Birth : XX/XX/XXXX. 
Unfortunately, with all my detailed differences, this company still went ahead and kept reporting both our data merged until now. Yet again the following accounts are not mine and I need removed asap : XXXX XXXX XXXX, CA XXXX This is not my address, please delete XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Not mine, please delete XXXX XXXX XXXX XXXX XXXX , CA XXXX Not mine, please delete XXXX   XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize what this is, please delete asap XXXX XXXX XXXX # XXXX I have no knowledge of this account please delete I am looking at taking legal action if my data is not separated from my data. 
Attached here with is the first dispute I sent to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: EQUIFAX, 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:
My XXXX XXXX XXXX account has not been corrected to reflect. Paid in full, never Late, Not part of a chapter 13 or payment plan. Or wage earner plan. I have contacted XXXX XXXX again and was given a XX/XX/2018 XXXX # XXXX. This error was suppose to be fixed and never was. Can someone do their job correctly and fix this mistake once and for all. their should not be any negative marks on this account Pretty please with sugar on top. Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief