BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I opened a XXXX XXXX XXXX card by recommendation from credit building program called XXXX XXXX in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CitiBank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-02-04
Company: Navient Solutions, LLC.
State: ID
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 obtained a loan from XXXX to move my loans from Navient to XXXX as I have had horrible customer service with Navient and they have been very shady. I calculated the interest on 10 days ( the amount of time it would take XXXX to pay off the loan ) and gave that value to XXXX. I have a screenshot showing where XXXX paid all of my loans in full. Navient is saying that the third loan which was for {$5000.00} in 2014 is unpaid and is trying to solicit payments from me. They are trying to get {$10000.00} for a {$5000.00} loan. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: MD
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:
" Wells Fargo Bank Is Violating 15 U.S. Code 1681 ( a ) ( 2 ) ( a ) ( i ) My Furnishing Fraudulent Data about Late Payments On my Credit Report Which is In Direct Violation of 15 U.S. Code 1681 under Exclusions of Transactions and Experiences Between Two Parties ''

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 2019-09-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I did a domestic transfer from XXXX to New York via Money gram online for a total of XXXX I am sending XXXX there was a XXXX dollar fee. I did this transfer debit card to debit card, money gram never sent the money to the reciever in fact they keep telling me they already sent it to the receivers bank but they did not. The reciever has contacted their bank several times and they have told him they see all transactions in REAL TIME and if anything was pending or sent from moneygram they would see it. It was never sent. To top it off they told me they have to send this issue to a specifi department which will contact me in 24 hours I haven't heard a peep from moneygram since XX/XX/XXXX if I dont call they won't call me. I have called them over 20 times about this issues and to be told now it's still processing but they have no clue why or how to get it to the reciever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX has said that they have informed all credit report agencies to delete account and negative remarks, this account is still showing as open.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Just look g for a refund on multiple overdraft fee charges.

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 2019-03-15
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Date : XX/XX/XXXX To : CFPB From : XXXX XXXX XXXX NMLS MLO # XXXX To Whom it may concern, On XX/XX/XXXX, I was invited to an eight-hour continuing education class for NMLS Federal Laws and Regulations, Ethics, non-traditional mortgage training, and mortgage origination which was to include two hours of CA continuing education, as well. This class was orchestrated and facilitated by loanDepot, Branch Manager, XXXX XXXX XXXX XXXX NMLS # XXXX, ( XXXX ) XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX. The class was held at loanDepots UTC facility at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Approximately 43 loanDepot Mortgage Loan Originators attended and to my knowledge were all credited for the class. The scheduled 8-hour continuing education class commenced approximately at XXXX XXXX and concluded at approximately XXXX XXXX with snacks, some light humor from the moderator with mention of how much better the class was than having to do the actual CE. 

Plain and simple it was NMLS CE fraud. Pursuant to the course I was requested to pay for the course. I refused to pay for the course and went on to complete the courses in the XXXX XXXX   environment which was about 20 hours of material and study. I did receive several communications from the XXXX XXXX XXXX, XXXX XXXX and his assistant XXXX XXXX, of a harassing nature, demanding that I pay for the class. Of course, I did not pay for the course as it did not meet NMLS requirements and refused to expose my NMLS licenses to the loanDepot / XXXX XXXX, XXXX Fraud scheme. 

I bring this to your attention because this rouge and fraudulent behavior by a large mortgage company like loanDepot betrays the public trust we have fought so hard to regain since the mortgage crisis. Lastly, I personally brought this to the attention of loanDepots CEO, XXXX XXXX, The COO, XXXX XXXX, and Human Resources on XX/XX/XXXX. To my knowledge, the 43 MLOs, XXXX XXXX are still working under their ill-gotten license renewals. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
The original borrower is deceased and the company is not releasing any information to the heirs to finalize the process. 
The heirs completed are interested in keeping the property but the services on the account XXXX would not release any information regarding the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX XXXX XXXX / {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: Fay Servicing, LLC
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:
On XX/XX/XXXX Fay Servicing reported account # XXXX as 120 days late. 

The last payment made on the account was XXXX, XXXX. No payments have been made since that date. To now show the account 120 days late is purposely hurt my credit score. 

I am enclosing the before and after reports as well as the account posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2019-08-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I ordered my free annual credit reports from Equifax, XXXX, and XXXX on the same day. The reports from XXXX and XXXX  arrived within 15 days, showing the date ordered ( XX/XX/XXXX ). The Equifax report arrived about a month later, showing the date sent ( XX/XX/XXXX ). When I called asking them to correct that mistake they said they couldn't and I would have to wait until after XX/XX/XXXX to order my report next year. This is unacceptable since it is the first time that all 3 reports didn't have the same date in them. The federal Fair and Accurate Credit Transactions Act provided for these free annual reports and they didn't call it the " annual, plus 25 days '' report. I always order my credit reports on the same day and don't want to delay two reports that come on an annual basis to allow for more than a year for delivery of the third report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On several occasions I made online debit transaction s where you must pay for your product before it's received. Unfortunately, I am paying for such service s with money being debit Ed to my account and the companies are telling me the product was never paid for. Besides, having someone always standing around watching, I then have to repurchase my product ( making a duplicate transaction ) by entering into my savings. When the bank is contacted all they can do is re submit another card. So far this was a total of an estimate {$250.00}. I am being asked did I figure out what's happening? Or they're telling me they never got the money. Too often there's a shortage on my account.

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 2020-05-09
Company: Commercial Acceptance Company
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2018 {$3300.00} The account was added to my account but I have not knowledge of the original creditor. I also never agreed to pay for a debt to a collections agency. I have disputed the collections account through each of the credit bureaus. I also mailed a letter to the actual collections company requesting varification showing where I had agreed to any accounts with them where I would make payments. The Company has not responded to any of my disputes or the letters I mailed out. This account is reflecting negatively on my credit report and making my debt level higher that it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I had TWO bankruptcies filed in my name. One in XX/XX/XXXX the other XX/XX/XXXX. Ive been fighting to remove them for years. After hiring credit repairs companies and getting nowhere I spoke with an attorney in XXXX. He advised me to contact the BK court directly. Upon doing so and providing them with my SSN I was told there was no BK filed in their system. I told them there has to be some mistake because I have two on my credit report with case numbers from that specific BK court. The clerk asked me to provide my full name and thats when the BKs were found. She advised that I come to the court and get the files because although the name matched there was a different SSN of the BKs. I went down the very next day, got the documents showing my SSN was not on the BKs, submitted those documents to each of the three credit bureaus and within a week XXXX and XXXX removed them. Today is XX/XX/XXXX and once again Experian just sent me a dispute update stating the BKs remain because the reporting verified them to be accurate. Ive even taken these documents to my local police department and filed a report which Experian also has, yet they still refuse to remove the BKs. Im beyond frustrated and dont know what to do besides file a complaint against Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Arena Investors, LP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notification of a resolution opportunity from NSA or North Shore Agency that was dated XX/XX/2021. They state in the letter that they represent " XXXX  '' as the Creditor with NSA ID # XXXX & Creditor Account # XXXX in the amount of {$350.00}. I do not have an account with XXXX  COLLECTOR and believe that this collection agency is attempting to fraudulently collect from me money that I do not owe. 

I tried to contact them at the phone number on the letter and when I enter my zip code and the account # listed on the letter, the automated voice states that the information entered doesn't match their records. I also tried to contact the company through other phone # 's available online but can not reach anyone. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Advance America, Cash Advance Centers, Inc.
State: LA
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:
Dear Advance America, I contacted your office on XX/XX/XXXX after receiving a charge from your company for {$400.00} which I did not make. 

Since then I have filed a report with my bank ( XXXX ) for a Fraud charge because someone within your system must have likely used my information to obtain a fraudulent loan. 

I live XXXX XXXX, La. The person I talked to at Advance America said that the money went through the XXXX, La. branch ; I have never been there. 

If necessary, I will go to the XXXX XXXX Police Department and open up a felony investigation. 

The last dealings that I had with Advance America were in XX/XX/XXXX and everything was paid in full. 

Your threats to report me for credit collection are way out of line when more than likely it was your employees who did not check out credentials properly to avoid the theft by deception. 

Advance America has sent me threatening emails saying that if I don't pay the money that my bank has disputed that they would report me to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: AMERICAN EXPRESS COMPANY
State: WA
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 rewards from credit card

Complaint:
I have had this card for almost 1 year now ( well beyond the 8 - 12 weeks timeframe past the initial 3 months bonus timeframe ), so any promotional bonus spending reviews should have been done and finished. 

But my membership account is still frozen and under review, as I can not transfer the points as advertised. 

Please make it so I can use my membership rewards points immidiately - at almost the one year mark of my having the card, the review for any promotional bonus offers should be done and complete.

Company response to consumer: Closed with explanation