BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
SageStream has ignored/refused to provide me copies of reports and scores associated to my identity. 

I have made requests via their website, via the usps and sent faxed and certified mail requests to SageStream multiple times and included any and all documentation the company requests for identity/address verification purposes. 

All requests have gone unanswered. 

No one answers the phone at SageStream either.

I am requesting a copy of my SageStream consumer report, also referred to as a credit report, a consumer file, or a disclosure report and my SageStream credit score.

Requests for my SageStream consumer report and my SageStream credit score were submitted to SageStream ( in multiple formats ) on or about the following dates : -    XX/XX/2019 - XX/XX/2019 - XX/XX/2019 - XX/XX/2019 All proof of identity documentation they request was included with all of the prior requests submitted to their company to confirm my identity ( per their instructions ), but they have not acknowledged any of my requests. 

I am aware of other family and friends experiencing the same type of poor customer service from SageStream as well.

If SageStream wants the ability to be able to profit from collecting consumer / private information and also profit off of this consumer information -- then SageStream should also be required to follow the law which they have failed to do multiple times. 

SageStream is blatantly ignoring their duties and they should not be permitted to violate federal law and or their requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: MoneyLion Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I received a loan from MoneyLion in XXXX. I paid off the loan XX/XX/XXXX. The company is constantly reporting late payments on my credit report even though the loan has been paid off. You can't get through the line to get to customer service I've sent in several emails and it takes two weeks for a response. I've sent in the receipt numerous of times and I'm still not getting a response from this company. I would like this account removed from my credit report because it's affecting me with purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX I called to see if I could get a lower interest rate due to hard times with the virus. Customer ser rep said no lower rate was possible. Then she said that I could do a balance transfer for a 5 % fee and pay 0 % Int til XXXX. We went over the plan and I accepted the offer and we did the balance transfer. The transfer got paid on the other card and it showed on my Citibank account. Transaction was completed. 
On XX/XX/XXXX a citibank oper remediation rep called and she had listened to the prior call and said that the rep was wrong to offer the balance transfer. I told her I had a lower rate with the prior card and would never to make sense to pay 5 % fee and then pay Citibank a higher rate. I called customer ser on XX/XX/XXXXwhen I got a statement with Int being charged on the balance transfer. She gave me no solutions and said she could not do anything about it and suggested me having the balance trans delclined from the credit card comp. I want the deal I was offered and that Citibank completed. If i would have gotten a call from citibank before the transaction was completed I might have said ok. I did nothing wrong and oked the info the rep gave me XX/XX/XXXX. The transaction is completed and citibank should stand behind their reps or train them better. The rep said it was a offer she could offer 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 monetary relief
Consumer complaint received 2017-11-20
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the XXXX Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my XXXX statement balance XX/XX/2018, in the amount of {$4700.00}. My payment due date was XX/XX/XXXX. Terms state in part, " If you pay your account in full ... no interest is charged. '' Chase has conjured up something called, " residual interest, '' an attempt to justify this violation. It is not fair to the consumer and leaves open abuse of fair practice. Immediately, after I received my bill with the interest charge of {$35.00}, I called Chase customer service and was told they would not remove the interest charge despite the fact I paid my entire balance before the due date. Subsequently, I emailed Chase through my secure account in protest of the unfair charge and received the following reply : " You paid yourXX/XX/XXXX statement balance in full. However, the XXXX statement balance was not paid in full by the statement due date. To avoid interest charges, the statement balance needs to be paid in full by the due date. When the XXXX balance was not paid in full, the remaining account balance was carried over into the next billing cycle. This is referred to as residual interest charges. Residual interest charges are assessed on the purchase balance between the date the statement closed, and the date the payment in full was received. As a result, the residual interest charge of {$35.00} was assessed on the purchase balance on your account. Going forward, as long as you pay off your statement balance in full by the due date each month, you will not accrue any additional interest. I am unable to credit the interest charge. Thank you, XXXX XXXX Payment Research Specialist XXXX '' The aforementioned gobbly-gook is unfair to the consumer and results in a double interest charge. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX  XXXX Account Info Hover over labels for more details Account XXXX Account statusOpen Date openedXX/XX/XXXXAccount typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} XXXX  XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} TRANS UNION XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX TRANSUNION XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX   XXXX Inquiry date : XX/XX/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 2018-10-19
Company: Northwestern Mediation Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debit is not mine. The message left stated they would take legal action and inform my employer and I better contact them within 24 hours.

They called my mothers home and told her to have me call them back. She was given a case number and phone number. The man told her I needed to verify the spelling to my name as its shows on my social security card.

I do not owe this debit and never gave them or anyone premission to call my mother.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-07
Company: Nelnet, Inc.
State: MA
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 can't believe what I saw on my credit report.. It says late 120 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history. 

DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Independent Dealers' Advantage, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed a few weeks ago. I called them and told them to please come get the vehicle. It was a financial hardship on me and I could no longer afford the vehicle. They never come to get it till a few weeks ago. I had filed a complaint on my credit report and shortly after that they did send a recovery tow service to take the vehicle. The problem now is they are still reporting the vehicle as not paid and late on my credit report. The vehicle was a voluntary repossession due to financial hardship. My last known payment to IDA finance company on the vehicle was in XX/XX/2019. I need this to be resolved. When I call the company they are very rude and unprofessional to me and I feel I do not have to listen to people talk to me this way. The vehicle shows I owe over 10,000 and this vehicle XXXXXXXX XXXX XXXX value is only around 6,000. I had only paid a little over 2,000 towards the vehicle when it was repossessed due to the way the principal and financing of the vehicle. I would have never paid this vehicle off! Please help me resolve this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern. 

I had my Credit Report pulled for my review and I noticed both XXXX XXXX XXXX accounts are reporting incorrect. These account numbers are XXXX ... XXXX & XXXX ... XXXX. Now these have been paid off since 2017 but are still showing that they are in a collection status. The status on my report states paid but the history still shows collection and that is incorrect. It wasn't a collection but a garnishment of my military retirement check.If XXXX would look into my payment history, they would see this. I am sure its an oversight but the information is wrong and by law the account must be removed due to incorrect info.

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 2019-10-01
Company: Navient Solutions, LLC.
State: OH
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:
Recently in various news outlets such as XXXX XXXX and many others it was brought to my attention that Navient my current provider was engaging in illegal or deceptive practices which involves pushing students deeper into debt by making them forbearance on there loans causing the interest to swell up and make it impossible for the borrow to pay back the loans. With this new information the company should be shut down forever by the government for there illegal and deceptive practices and the money I paid the service provider should be repaid to me in full plus the remainder balance of my student loans along with other should be wiped clean. This is illegal and they should not be allowed to do this or have an operating company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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:
Dear XXXX, Consumer Financial Protection Bureau, CFPB, AND 3 Credit Bureaus ( XXXX, XXXX, and Equifax ) : I HAVE CONTACTED XXXX XXXX SEVERAL TIMES OVER THE PHONE TO NO AVAIL, AND THE 3 CREDIT BUREAUS. MAKE THE CORRECTIONS OR YOU WILL NOT RECEIVE XX/XX/2019 NOR XX/XX/2019 Payment. I have included WOES for you to execute. Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I used this company cash app to send money, {$2200.00} in fact, to someone online to purchase items from this website called XXXX. It's like a XXXX. Well after I sent the money the person never sent the good, he blocked my phone number and blocked me from exchanging money on cash app. I emailed cash app every day for help and to ask for a refund for almost a week. They said there is nothing they can do ask him for a refund. I informed them that he blocked me after I sent the money and obviously this was fraud. They informed that if they feel there is a reason to look into it then they will. Which they dont. I strongly feel this company is encouraging scammers to use this. I understand I am probably just out of my money but I don't want this to happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a summons from Midland Funding LLC saying that I had defaulted on a XXXX XXXX that was issued to someone living in XXXX, MI. The statements attached to the summons show that the credit card was defaulted on back in XXXX. When checking my credit report I see that Midland Funding added themselves as a creditor and the XXXX, MI address to the credit report back in XX/XX/XXXX. 
This is fraud. 
My only address is in XXXX XXXX at the house I have owned for over 30 years. I have had only one credit card for many years and it was not issued by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: MarkOne Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Markone/XXXX  is maliciously and intentionally reporting inaccurate information on my credit report. I have disputed this account numerous times and it has been illegally verified as accurate. Every month they have update my credit report with a balance that in no way shape of form matches the information that they have sent me. Every time that I dispute the account, XXXX  comes back as verified as accurate while XXXX  and XXXX   have both deleted this account in 2017. I had provided the same documentation to all three credit bureaus however, XXXX  will not remove the account for inaccurate reporting. I have also sent XXXX additional documentation that I have received from the creditor stating the balance, however they informed me that it doesnt matter what I send them, they go with what the creditor tells them. I want this inaccurate, injurious, erroneous information removed immediately from my credit report. I have attached the backup for my claim and I would greatly appreciate it if you would help me get this remove immediately.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-01
Company: AES/PHEAA
State: WA
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:
I have been paying my loans for now 26 years on a my 25 yr loan only to be told I owe XXXX still. Fedloan is a predatory lender by definition offering loans to unemployed students with no credit based on future or potential earnings. My loan was NEVER with them. I have repeatedly asked for official copies with my official signature which they will not provide. They then send an email ( which I provided ) saying its in my online acct. I have never signed up for nor signed into an online acct. Now during suspension by the govt I get mailed copy saying i OWE {$1400.00} to cover the interest for the quarter ( my original monthly pymt was {$130.00} ). This is ridiculous. I paid my debt with my original servicer and am now being harassed by a company stock piling interest with no real option to working out a contractual deal if there is even a need for one. I am also part of a lawsuit against XXXX XXXX XXXX who took my loan on a forgiveness program.. again I have never had a loan with Fedloan Servicing and am tired of being treated like a piece of garbage by this unethical company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX and XXXX XXXX have sent Carrington Mortgage multiple different mortgage modification packets. They continue to claim they don't receive the right information. XXXX has kept thorough records of everything that has been sent numerous times. 

The latest letter is dated XX/XX/19 and is asking for more documentation to be sent by XX/XX/19. This is humanly impossible. 

The sherriff 's sales is set for XX/XX/19 and they can not trust that Carrington Mortgage is going to try to work with them due to the multiple times of sending informaiton, not having a single point of contact, and no options. 

XXXX and XXXX 's original mortgage was with XXXX XXXX XXXX which was later sold to Carrington Mortgage. 

XXXX and XXXX can now afford the mortgage payment if Carrington will agree to a special modification of putting the past due on the back of the loan and setting up a new payment arrangement. 

The approx. value of the house is {$160000.00} and they owe approx. {$120000.00} due to the very large down payment they made originally. It is a FHA loan. 

Please help us to get Carrington Mortgage to provide a fair and equitable service. 

Thank you in advance for helping us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed it numerous times because it is not my debt and after careful review of the documents that were provided, the amount that is allegedly owed is incorrect. According to the documents provided by National Credit Systems, there is a balance of {$300.00} due. The breakout of this balance is Online Admin Fee of {$150.00}, Online Appl Fee of {$50.00} and 2 {$50.00} NSF Fees. Per the documents provided, there was only one payment made on this account. How are there 2 NSF Fees? I have disputed this debt with all 3 credit bureaus. Both XXXX  and XXXX have removed this account because the company was not able to validate the balance per the FCBA. The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. I have also contacted the apartment complex and they have no record of me applying for an apartment or living there. I'm not sure how National Credit Systems is getting their information because the person that they claim to have validated the information with is not an employee of the apartment complex or company that this alleged debt is being collected for. I would appreciate it your assistance in this matter. This account has caused me to be billed double security deposits and I want it removed.

Company response to consumer: Closed with explanation