BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-05
Company: Experian Information Solutions Inc.
State: IN
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 was notified in XXXX that I was a co-signer on a student loan and that the loan was not being paid. I advised them that I had never co-signed for a loan and asked them to send me the documents. I made a police report for fraud and with the continued phone calls to get me to pay, I contacted an attorney. After 5 or 6 years of my attorney calling XXXX and a lot of money, We were able to get 2 civil judgments in court against XXXX advising them that the loan was product of fraud and unenforceable against me. Mt attorney sent XXXX a letter informing them of this along with the copy of the 2 court orders/judgements. XXXX disregarded the courts judgement and continued to pursue me for collection. I was notified by 6 different collection agencies and each time I advised them to contact my attorney that we had judgements from the court. The calls would stop from one agency and started with another until they finally stopped after a year or so. They still report this on my credit reports. It says I am years and years behind ( Late ) and late to the sum of over {$20000.00}. I filed a dispute with all 3 credit reporting agencies several times, including a copy of the court judgements.. I was told they contacted XXXX, they advise its good debt, and it stays on my credit report. XXXX has completely ignored the judge and his findings. The credit reporting agencies follow what XXXX says and not the court. This has been going on since XXXX. I do not know who else to turn to. I have tried Lawyers and credit repair places trying to get this removed and have spent a great deal of money over the years to no avail. This has prevented me from obtaining credit at most places and purchasing items. I have a clear credit report with the exception of this. I pay my bills and my own student loans. Please find attached the letter from my former attorney that was sent to XXXX and the 2 court orders/judgements. ** Please note Step 4 would not let me add XXXX. 
Thank you. 
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 non-monetary relief
Consumer complaint received 2022-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has started charging multiple fees for ATM transactions. I check my balance and withdrew some money and got charged 3 fees. I called the bank and got 2 of them reversed. However, this practice is abusive and their policy has changed without any warning.

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 2020-07-05
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr XXXX from AmeriSave Mortgage has mislead me. The website said there was not application fee. I told them I was retired and on limited income. This was not a problem when they took my {$500.00}. Now they say they need employment verification. I have sent them the stuff and they keep asking for it over. XXXX XXXX in the XXXX office never responded to my emails. The original mortgage rate has changed and I am still waiting. It appears that because I am retired this is now an issue. I have been employed part time. Their story keeps changing. I feel like they took advantage of me when I asked why it said no application fee on the web site and I was being charged an application fee Oh you will get that money back then it was you will get it back when the mortgage is finalized. This has been going on since XX/XX/2020 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very serious about filing a lawsuit if this is not removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax is reporting inaccurately the amount of time the account has been 30 days, 60 days and 90 days past due as compared to XXXX and XXXX. The firm in question is XXXX XXXX XXXXXXXX. This firm is also currently under litigation by the attorney generals of several states for illegal and unfair practices towards consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a reoccurring charge of {$75.00} per month paid to a medical doctor for monthly visits. I saw my provider last on XX/XX/2017 and the monthly charge occurred on XX/XX/2017. In XXXX of 2017 when I tried to schedule my next monthly visit, my medical doctor 's former shared office receptionist said the provider was no longer practicing and suddenly closed her practice due to a medical condition. I realized the provider never stopped the automatic payments. I contacted my credit card company to dispute the next month 's charge which ultimately was successful. However, unknown to me the monthly charges continued in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on the XXXX of the month. I contacted the credit card company again to dispute the new charges, the processor accidentally logged the disputed amount for {$23.00} versus {$75.00} per month for each of the 3 months. I tried to resolve the error that the credit card customer service rep made when logging my call but the credit card company has refused to correct their error and will not take my revised complaint for the balance of the disputed amount. They state I must contact the merchant directly but I am not able to make contact with the doctor because she has retired due to a medical condition. At no time did I specify a lower amount than the entire {$75.00} per month I was disputing. The error is from the credit card company 's intake staff and not on faulty information I provided. The intake was recorded and could be verified. I feel the dispute process failed me and is making me pay for services I have not received. As a final means to ensure I would not continue to receive future charges from this provider, I closed the card number and received a new card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-09-01
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX  XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hello, I received a letter in the mail letting me know that there was a recent security incident at NCB Management Services , Inc. I don't know who this company is, nor have I ever opened an account with them. 
There was breach of my personal information with the company named above. I don't even know if they are legit, nor have I given any permission for such company to have any of my personal information. 
I don't know if NCB is a legit company in the first place. 

Please help our society to look into this business and do some ressearch so that no other persons/businesses will be abused. 
Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Fidelity National Financial, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Mr. XXXX XXXX at National Link was hired by XXXX to disburse payments from the proceeds of a home loan used to purchase one half of an inherited home. Mr. XXXX at National Link did not call to verify the payoff amounts on the loans in a timely manner and as a result some accounts were overpaid and XXXX was underpaid ( by {$1.00} ) causing XXXX to return the check to National Link. National Link nor Mr. XXXX let us know the check was returned ( had to find that out from the credit bureau that the payment was marked as late ) and I had to call him to have the check re-issued and sent overnight. National Link ( Mr. XXXX XXXX stopped payment on the first check and re-issued a second check, but again did not check the payoff amount and the check was sent short and was returned again. None of this was made know to us over a 2 month period, even though I had repeatedly called and asked what was happening with the account. Mr. XXXX seems to believe that he has no responsibility to us or the creditor he was to have paid to ensure correct funds were disbursed. Now XXXX has turned the account over to collections and damaged our credit scores and refuses to correct the action as they say it was National Links responsibility to let us know and National Link ( MrXXXX XXXX XXXX XXXX refuses to correct the actions as they say it was XXXX 's job to let us know. I was able to get National Link to send me the check made out to XXXX and have gone today and paid off the loan plus the additional penalties and have submitted a dispute with the credit bureau in hopes to reduce some of the damage these two institutions have done to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Consumer Financial Services
State: IL
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:
This company keeps running a credit inquiry on my report for no apparent reason. They call and harass me saying they will XXXX me. Its becoming very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
WesternUnion is using the incorrect exchange rate which is unfair to my family overseas who is already dealing with financial hardship and Covid making it difficult to work.

The actual rate is $ XXXX- {$200.00} and WesternUnion is only giving $ XXXX- {$190.00}, in essence robing my family of {$11.00} for each dollar I send.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, INC.
State: AL
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'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the XXXX and to my local police department. I am doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX  XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
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 have someone using my name to take out Auto Loan and credit cards that I have never used. There are addresses on my credit report that I never lived at, I have filed a police report with the XXXX Police Debt. and a complaint with the CFPB. The following accounts are fraudulent : 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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

XXXX. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my 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 explanation
Consumer complaint received 2019-08-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had transferred XXXX over to a XXXX account given to me by a seller which was supposed to sell me an XXXX XXXX plus I haven't received XXXX XXXX plus I haven't got an email that is going to be delivering and I have been scammed and I know XXXX which is the payment are used when not refund me back my money and if I contact the bank I know that they will not be willing to give me back my money the only way I can reach out to them for them to give me a courtesy refund is for me to contact the Consumer Finance which I'm doing right now

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 2020-07-10
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I want to link my bank account with XXXX XXXX  to buy stock. However, following the app, PNC has made a change that prevents me from being able to link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On XX/XX/2020, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX add a hard inquiry on my credit report per 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 2021-11-27
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yes I had An account with stride bank aka chime for roughly about a year give or take. I noticed an unauthorized transaction one day and I reported it promptly and followed the steps. Even though it was unauthorized they denied my claim and followed by insufficient evidence that didn't prove it was or wasent unauthorized. Then I noticed another small one here and there and tried in vain to notify chime and tell them my info he had to be compromised because there was more and more money that would just vanish out of my account. I received a deposit in XXXX for roughly XXXX from social security. Within XXXX days my balance was at XXXX and there just wasent any warning no call from bank, they shut my account down. I realized in horror there is XXXX plus gone from my account. The same transaction s had been coming out for months. Almost duplicate. I was in another town and money was taken XXXX miles away. I later discovered there is a second card you can use. A credit builder and there is a virtual card in the app. All the dispute s, all my money stolen and not one representative mentioned this too me cause obviously I could not figure out how it was bring done. Then all these transfers using pay friend app which I told them yes I authorize maybe XXXX the whole time which if you look at my statement clearly the culprit is in black and white and was still denied my dispute because my so called friend lived within XXXX miles even though XXXX ip addresses accessed my app there was no proof of unauthorized or fraudulent activity. I feel my bank failed me by not protecting my account and listening to me as a consumer. I have asked them to basically audit my checking and get to the bottom of this and dispute which transaction I know for sure I didn't do which as you will see it's very confusing.. O have even turned them in to the attorney general cause I feel they are doing nothing .I haven't heard anything on my disputed and I strongly believe chime the company itself has something to do with my missing funds just do to the fact that they denied almost every dispute but yet there was proof I didn't do it. If I'm FDIC insured who got that money. I believe chime is keeping it and denying consumer dispute. If not why haven't they done anything about my family 's funds?????

Company response to consumer: Closed with explanation