BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
There really wasn't any correct answers I could choose. I opened my account XX/XX/XXXX. At that time, I paid for my card and added credit protection. In XX/XX/XXXX we had a major Ice storm and I had asked to not have to pay my bill due to this and then the same in XXXX to get caught up. They said I could. then in XX/XX/XXXX I realized that I had a lot of late charges added. When I called them, they said that they never agreed to this. So I cancelled my card. On XX/XX/XXXX, they were still charging me credit protection, and I had to cancel that then. Now they have my payments so high that I can't make them. They are still charging me interest and late fee 's. I called and told them that I was filing a complaint and I would not be paying until I got a anwer.

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 2018-01-28
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making on time payments on my student loans to Navient and have been paying even more than the requested amount each month. I went to make a payment today online automatically drafted from my bank account, they are calling my payment past due even though Im paying on the the date it is due. I tried looking all over the website and their is no information to contact anymore their to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Experian Information Solutions Inc.
State: AR
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 disputed several fraudulent inquires with Experian and the companies attached on the letter that I sent out on XX/XX/2017. As of today Experian is still reporting these fraudulent inquiries. I would like these inquiries removed as I am entitled to a fair and accurate credit report. The inquiries are listed below. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX ( listed on my credit report several time ) 4. XXXX XXXX XXXX XXXX 5. XXXX   6. 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-11-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This account is 7 years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX Balance XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming 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 2018-01-28
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The online login/encryption process for XXXX XXXX does not allow ( or blocks ) external applications from accessing my financial information contained on the XXXX XXXX website. As a result, XXXX ( external application/website ) can not access on my behalf to manage these finances. Furthermore, XXXX was unable to offer a solution to this access issue.

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 2018-01-28
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: Personal information incorrect

Complaint:
Transunion is reporting two addresses on my credit report that I have never lived at or been associated with. I disputed these addresses on XX/XX/2017 with Transunion and have not received a response from this company. The addresses are listed below. I have never lived outside of Arkansas so this California address should not be reporting on my credit report. Please investigate these addresses and remove them from my credit report. 

1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX, AR 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 2018-01-26
Company: Atlanticus Services Corporation
State: NY
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 did not make a hard inquiry with this company. This was fraud. I never authorized inquiry on XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 requested the following companies to validate their claim that I owe them and they have failed. I am not aware of any agreement that exists between myself and these companies. Please remove these accounts from my credit reports XXXX {$790.00} act XXXX XXXX  XXXX  {$470.00} act 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 2020-02-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a payment via Moneygram on XX/XX/2019 at the XXXX XXXX, GA location inside of Walmart to go to XXXX XXXX XXXX XXXX for the total amount of XXXX. The amount that was supposed to be paid to XXXX XXXX XXXX XXXX was XXXX. The payment was returned by Moneygram and we don't understand why. The amount was debited from our Debit card and I will attach proof of that showing it. XXXX XXXX stated that it was returned. I decided that before I dispute the transaction that I would file a complaint. I am not pleased with this issue and I want it resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX reached out to XXXX and XXXX XXXX regarding a refinance and lower IR. They paid them {$3700.00}. Five payments of {$750.00}. The military said it sounded like it was fishy and it sounds like a scam. The company does not have good reviews and others have said it was a scam. They have been working with a financial advisor through the military. They are looking further into 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 2021-11-10
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management Is consistently sending me letters after I have already let them know that I have no knowledge of the debt they are claiming to be mine.I asked them not to contact me and to not report this to my credit report. This is invalid. They also did not respond within a five day period with any validation. I contacted Midland Credit Management on XXXX XXXX for validation. I also contacted them again on XX/XX/2021. Still no documentation. 
According to 15 USC 1692g Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Midland Credit Management sent a letter dated XX/XX/2021 stating that they do not know what I am disputing. Neither do I and this is well over 5 days after initial contact. 

In pursuant to 15 US Code 1692 I have disputed this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21, I discovered a {$5000.00} unauthorized cash advance was made on my Wells Fargo credit card ending in XXXX. At approximately XXXX XXXX. on XX/XX/21, there were no other cash advances listed or pending, and after reporting it to Wells Fargo, this card was closed. A new credit card was issued. 
On XX/XX/21, I went to a Wells Fargo branch office, and discovered that my savings account ending in XXXX had received the {$5000.00} from the credit card, and then unauthorized XXXX transfers of this amount going to an individual unknown to me had been made. This savings account was closed. 
On XX/XX/21, I went to the same branch, and reported that an additional unauthorized cash advance of {$5000.00} was taken from my closed credit card ending in XXXX. This money was deposited into my new savings account ending in XXXX, and then {$5000.00} was transferred with XXXX to the same unknown individual. 
On XX/XX/21, the Wells Fargo online fraud unit concluded that I, or someone I authorized, committed the above mentioned felonies. I did not. 
On XX/XX/21, XXXX XXXX from the Wells Fargo XXXX unit, stated that I had been a victim of online fraud, and that there were various attempts from XXXX, XXXX, and XXXX to access my account. She had gone over my history, and determined I had never taken a cash advance or used the XXXX system. 
My complaint is that Wells Fargo did not properly monitor my accounts, and allowed subsequent fraudulent transactions to be made after I made my initial complaint to them. 
I would like this to be resolved because my credit card is still showing that I owe {$10000.00}, which includes the two withdrawals, fees and interest. 
I have had a checking account with this bank for 26 years, and find this treatment outrageous.

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 2018-01-28
Company: NCC Business Services, 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: Account information incorrect

Complaint:
I was a resident of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX Fl XXXX from XX/XX/XXXX to XX/XX/XXXX - - Upon moving suddenly due to a job loss, I was told I owed an egregious amount ( XXXX ) that I am not acknowledging or accepting without proper documentation on behalf of XXXX XXXX. On XX/XX/XXXX I sent my first email to the property asking for clarity on the charges and documentation on how this incorrect number was put together, I did not get a response.. I submitted a letter to XXXX XXXX XXXX on XX/XX/XXXX ( I have receipts etc ) - after reaching out for weeks and months via phone and email to no avail- In this letter I submitted photographic evidence of the state of the apartment before and after my occupancy and requested a delay in credit reporting due to what I'm sure was mistake in accounting. A few days later I received notification via a delivery receipt that XXXX XXXX had indeed received my letter, I also received a credit alert stating I now had an open account in collections in the amount of XXXX. Very Very shortly after on XX/XX/XXXX, I finally receive an email from the property manager -XXXX XXXX- now informing me that they had made a mistake and that the correct balance is actually XXXX. Which is a very far cry from XXXX - I did receive a breakdown to how that number was formulated but after this circus I am not sure of these charges either. Naturally, I am very apprehensive about if this number is correct, especially since if I would have been told the " correct '' number I very easily could have paid, but I was unwilling to send 1700+ at the wim of simply being told that is what i owed, when I knew the contrary. I feel XXXX XXXX is practicing shady business ethics and I am requesting receipts for the " Tile/Grout cleaning, Broken Blind replacement, carpet replacement, and drip pans '' - I am also requesting this be removed completely off of my credit report, largely in part to me being given incorrect information after repeatedly calling to get the correct information to avoid this hoopla. I am needing to find a home for myself and my son, and this extreme hindrance is not only very inconvenient, I'm pretty sure it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax is reporting two addresses on my credit report that I have never lived at or been associated with. I disputed these addresses on XX/XX/2017 with Equifax and have not received a response from this company. The addresses are listed below. I have never lived outside of Arkansas so this California address should not be reporting on my credit report. Please investigate these addresses and remove them from my credit report. 

XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not Authorize sears to give Inquiries on the following dates XX/XX/XXXX and XX/XX/. These Inquiries are fraud I did not authorize them.

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 2018-01-28
Company: Experian Information Solutions 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 have been disputing for a whole year and two months every month to get these fraudulent accounts removed I sent in my FTC identity theft repot and my affidavit most of the accounts was removed from XXXX  and XXXX but Im having such a hard time with experian then they sent me a letter stating they we no longer reinvestigate these accounts which are reporting negatively on my 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 2021-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent equifax a letter to investigate some inaccurate inquiries that were on my credit report. It took them well over 30 days to respond and I mean well over. 
They responded and said it was correct pretty much and I sent another letter on XX/XX/XXXX requesting them to prove it as I don't agree with their response. I feel as if they just did not check and responded because they were already late and I made a complaint. This has not been fair and now we are again over 30 days no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had multiple accounts with Citibank for almost 10 years and my accounts have always been in good standing!!! They just raised my credit line to {$31000.00} on my gold card which I use for everything!!! They closed my account at an executive level, all my accounts with no notice or no reasoning why!!!! I am completely confused and can get no answers from Citibank. I am completely blown away by their actions. I have excellent credit and this is mind-boggling to me. I would like to know why they did this to me!! Citibank 's customer service is of no help!!!!!

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 2018-01-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview loan Servicing llc has added XXXX to my Mortgage that was sold to them by XXXX XXXX XXXX who did foreclose on me in XX/XX/XXXX.I filed for modifaction in XX/XX/XXXX and was denied stating I failed to return documents 4 times I needed that modafication my spouse XXXX XXXX do to injury 's from XXXX.I did the modifaction with Bayview with the interest rate the same 7.25 % for 45 years I had already paid for 16 years my balance was XXXX.I Have paid them for 2 years always ahead not behind. I provided a lot of evidence to the credit Company 's as of XX/XX/XXXX the credit Company 's have deleted Bayview Loan Servicing llc from my credit file.I 'm paid up till XX/XX/XXXX.Also they sent me 2 XXXX tax forms one under my info and another one under my name along with my XXXX Spouse under XXXX XXXX XXXX   XX/XX/XXXX.If you could please help me I have no funds since Irma.Much respect.I DO NOT OWE XXXX .XXXX SHOWS ON CREDIT REPORT PAID 100 % OF  MORTGAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
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:
First Advantage located at PO Box XXXX, XXXX, IN XXXX has performed a background check for a job I am onboarding to. There is erroneous information relating to a previous address I never lived at. 

This needs to be investigated. I fear fraud might be in play.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone used my social and birth date to open a XXXX XXXX XXXX XXXX, however i am not or never have been a member of the united states XXXX or XXXX, which i later found out to be a requirement to even be approved for a XXXX card.i contacted the company several times via us mail letting them know tis was a fraud account. police reports were sent to the company along with an id affidaviat. i also requested a signed document bearing my signiture to prove i didnt open the account, XXXX XXXX  failed to send any documentation with my signiture within the 30 day limit required by fcra. this account is also showing up twice on my XXXX  credit report lowering my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation