BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: Garcadia Financial LLC
State: CA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried on line to freeze my credit with Experian and also tried calling them. The other 2 credit bureaus allow freezing my credit on line which Experian is not presently allowing and when Experian was called the phone system said they were experiencing difficulty and hung up.

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 2020-05-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX the loan company Lakeview Loan Servicing , LLC paid taxes incorrectly in the amount of {$8400.00} when the taxes were actually approximately {$1800.00}. Based on this mistake by the company, they recalculated and raised the payment by {$600.00} per month which we do not owe and can not afford. They started robo calling and calling and sending letters every day. We called and e-mailed but they keep saying that {$1600.00} is owed every month when the payment was only {$1000.00} and it is their mistake. They have not redone their escrow analysis based on their mistake. We did have a check written on a closed checking account by accident and wrote a new one when we became aware of the mistake.The original check written on the wrong account was in XXXX and paid with the XX/XX/XXXX payment. XXXX for payment and {$500.00} for the check written on the wrong account. Lake View has been applying the payments of {$1000.00} to the previous payments with the extra escrow amount. So, we have paid all that should be due and Lake View is not working with us to correct the issue that they created. Five months later, we have received another letter threatening our credit and now saying they will not accept anything but the full amount. Please assist us with this problem. I XXXX XXXX XXXX over the road and this has created an enormous amount of stress for me and my family on top of the Coronavirus stress and XXXX  of my youngest child in XXXX during this.

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 2017-12-21
Company: Stearns Ventures, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have been unsuccessful in getting accurate information from the loan servicer/mortgage company on the cancellation of MIP/PMI. From what I read there is an annual requirement that they inform us of our rights and a phone number for information. We have never been given that, but in fact have been given false information.

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 2019-02-23
Company: Nationwide Debt Reduction Services, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In file number XXXX the company agreed not to contact me with offers in the future. I received another letter from them for the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: MoneyLion Inc.
State: NC
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 opened a money lion credit builder account last year to help build my credit. MoneyLion as a company promised to help with a loan which you pay back to build credit of {$500.00}. you actually get a loan which is $ XXXX {$170.00}. i updated my payment option choice to there app and when it was time for the first payment to be withdrawn it never came out. i called customer service they said they would waive the fee and they updated the card and the one payment was forgiven the next month i added for an insta-loan, one of there other programs i told them to take both payments from the same card. Money lion choice to take from a moneylion card to make my payment arrangements instead of the one i requested an they had Technical difficulties for 2 months on my payment dates. they told me my account was delinquent but i could pay to have it in good standing. i was frustrated and agreed and paid i called customer and asked why is this reporting to my credit as late an collection they said that the system has already placed me in collections before my payment took process. there are numerous reviews on Trusted websites about moneylion messing up peoples reporting i think there a company just collecting data an no real purpose of helping rebuild credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, Government Official My name is XXXX XXXX. My contact information : XXXX - prefer this communication after all phone number scams. 
Or physical address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I'm a victim of a scam which cost me {$1900.00}. 

The scammer called via phone that represents government agency, provided a lot of sensitive data, using government spoof phone numbers for example : XXXX XXXX XXXX pretend to be police department, XXXX XXXX XXXX pretend to be ICE ( Immigration and Customs Enforcement ). Demanded money transfer as a bill/ticket for some bureaucracy issue saying if not I will be detained by police department. The number XXXX XXXX XXXX googled as police department so I trust it, I didn't now that its possible that caller number is faked. Also provided this phone number : XXXX XXXX XXXX. 


They pressure via phone calls and asked to send money {$1900.00} via XXXX transfer to XXXX. As per Bank of America, it's XXXX XXXX account. Please help to persecute these scammers. Any email in XXXX linked to some account, so if there would be an investigation hopefully you can digging into this issue. 

Called Bank of America service immediately however not receive any response on time, file filed just on the next day when I informed that it's not filed the previous day. As per Bank of America, they can not do anything to help me to get my money back. Not hear anything back from Bank of America. 

Additionally to this need to complain about XXXX app practice - they not tracking and revert any activities. It's a very open system for criminals. There is no way to revert this type of transaction. XXXX should say by big word statement in the application that they do not revert money transfer if there is a scam. I read a lot on the internet about issues with XXXX since its beginning and still, there is no customer protection. XXXX is just a loophole for criminals. 



Also why a customer of phone service XXXX XXXX ) can receive fake calls with government numbers. It's extremely high risk due to this. It's almost XXXX. Somebody spoof the government agency 's phone number and people became very sensitive. 


Kind regards, 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 2020-05-17
Company: JPMORGAN CHASE & CO.
State: IL
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:
Today, I noticed a couple of charges on my credit card that I did not make. I immediately went online to check my credit card charges and noticed one from the previous day that I did not make as well. I called the number on the back of my credit card, and the pre-recorded message noted that their offices are closed and to use the website or app to report fraudulent activity. I tried to do both, but neither the website nor the app allow for the customer to report fraud. All I was able to do was lock my card to stop any further unauthorized charges. The company 's website and app all instruct us to call a number provided. However, upon calling all the numbers I came across, all had the same message that their offices are closed, despite online touting that they have 24/7 fraud services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
My credit monitoring service alerted me to an account that was just added to my credit file. My XXXX  monitoring service told me that Navy Federal Credit Union added a credit card account to my credit profile. I do not have any accounts with Navy Federal Credit Union, nor have I ever. A new address was added to my credit profile XXXX XXXX XXXX XXXX, Texas XXXX I have never lived at this address, nor have I ever. I do not know anyone who lives at this address. I called the management office of this apartment complex to inform them that my credit profile reflects this address but that I did not authorize that and confirmed that nobody with my name has a lease there or has ever had a lease there. 

I am a victim of identity theft. Since the last round of identity theft I have filed a police report with the XXXX Police Department. The report number is : XXXX Please make a note that I will never open any accounts with Navy Federal Credit Union - and if I ever were to do business with them I would do it in person. Anything opened online and or over the phone or by mail or by other means not personally physically inside of an office is NOT me. Please block my social security number from your system! 

I have attached a copy of my photo ID and my social security card. 

Please communicate with me in writing only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Key 2 Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 I received a letter from Key Recovery stating that I owed {$6500.00} to XXXX XXXX. I emailed Key Recovery on XX/XX/2019 to find out more information and never had a response. I contacted XXXX XXXX who stated and provided proof that my balance is only {$4400.00} with them. Key Recovery is charging me {$2100.00} in fee 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. I called experian on XX/XX/XXXX to get answers as to why my scores not updated and errors not removed and the agent said it takes 6 months for them to make changes on my report so i just need to wait. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please Thanks

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 2019-02-23
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX stated and made a negative derogatory claim on my credit report of {$560.00} owed to XXXX XXXX XXXX phone company. I have paid my balance that I owed XXXX XXXX XXXX on XX/XX/XXXX and confirmed it with XXXX XXXX XXXX, they also sent me an email confirming I owe nothing on that account. I have talk to enhanced recovery back in XX/XX/XXXX and was suppose to have all this situated and resolved. As of XX/XX/XXXX when me and my wife talked to enhanced recovery collections they said that we still owe the {$560.00} according to their records and that we only called one time in XX/XX/XXXX. This is false and will release all my phone logs to prove differently. When we spoke to XXXX XXXX XXXX in XX/XX/XXXX they sent out to the XXXX XXXX  that our debt was paid in full and XXXX XXXX   seems to ignore this. You can not talk to them because all they do is repeate the sentence over and over regardless of the validity of information you have. This issue has killed my credit score, and  prevented me to make it better over the past year. Something needs done I can not keep having this stress in my life when I do not owe Anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This loan has been officially paid off as of XX/XX/XXXX. I was making payments every 2 weeks and it was been paid off. while looking at my report it hasn't shown any update to me making payments on this bill. Also when obtaining this loan I was given loan documents that I signed for payments to start later on in the year of XX/XX/XXXX. then I was sent an email stating those papers that I initialed were wrong but I never signed the updated versions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage management company ( Rushmore Loan Management Services ( XXXX ) XXXX ) continues to charge us flood insurance coverage for our Condo, despite providing them evidence and letters from the master insurance carrier that covers for the entire unit. Several attempts were made to resolve this issue with the company, and despite providing them with more than enough proof that the building 's master insurance covers for their flood requirements, they continue to charge us. Our loan number with the company ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: DISCOVER BANK
State: GA
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:
On XX/XX/2021 I telephoned Discover Card regarding online purchase after I did not receive confirmation number of delivery of item from Company on email. Discover card said they could not stop because of pending and I would have to wait until charge was posted to file dispute. I went thru dispute process sending them all the information I had regarding online purchase to no resolve. Discover keep sending me from Representative to representative and refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
The Initial dispute was sent on XX/XX/2020 while the 30 Day demand to comply was sent on XX/XX/2020.

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 2019-08-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This company is reporting a credit line item that was included in a Chapter XXXX bankruptcy and its showing up suddenly as of XX/XX/2019. 

Also, I have two disputed items that were deleted and XXXX XXXX keeps reporting them and dropping my score drastically!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
# XXXX I have a Neiman Marcus credit card not able to make the high payment and capital one will not work with me due to unemployment because of COVID 19. I can't afford to pay the minimum first payment was XXXX and I gave XXXX. Now I owe a payment on XX/XX/XXXX I have to pay XXXX. I can't afford that amount. I spoke with a customer service rep ( XXXX ) who worked with Capital one bank. She told me the account was closed and there wasn't anything they would be able to do. She said because Neiman Marcus has strict guidelines it wasn't much can be done. She stated since the account is closed I can make any payment I can. She stated I will be still given a late fee and reported to the three credit agencies as of late payment. I need help and be willing to make a payment I can't afford XXXX a month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Lending Club Corp
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I refinanced my car through lending club and lending club used XXXX XXXX XXXX   as the lean holder. I signed all paperwork and they sent a pay off check to XXXX the original lender. With the refinance I was promised lower interest and payment. I received notification from lending club to stop paying my previous lender. About a moth later on XX/XX/2019. I went outside and my car was gone. After dealing with local authorities because I had no cue the car was up for repo come to find out. XXXX had the car repoed because the payment where behind. I had never been late on a payment until lending club told me to stop paying them. I called XXXX to find out exactly had happed and lending club send the pay off check {$700.00} short so XXXX did not cash it they held it. I then figured lending club would correct this issue and recover the car. No thats not at all what happened. After working my way up the chain of command what they chose to do was cancel the loan as if it was never issued and let me cover the repo cost. Well I can not afford the amount of money that XXXX wants for me to recover the car. I dont understand why no one sent a letter explaining the shortage of the payoff check and I could have paid the difference before it got to the point it is now. XXXX claims they sent a notice of repo but I never seen anything. They both claimed to have called but no voice mails left and I receive 50 calls a day for telemarketers so I cant possibly answer the phone every time I dont recognize the number. I feel that lending club should have paid off the difference and just modified the condition of the loan to include the new amount. Now my car is going to be sold off in some auction. Please help me before that happens I am also seeking legal counsel and hopefully can also repair the damage they have done to my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Well I've been checking my credit score often. And it just keeps dropping. I've contacted my insurance to see why these bills keep being posted to my credit but they said they're was nothing they could tell me about it, that I would have to contact the companies. So I called them and they basically told me that I had to pay them even if u had insurance at the time because it's been over three months. But I never got a bill and no elone ever told me a time frame that I needed to get this fixed until now.

Company response to consumer: Closed with explanation