BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: ENOVA INTERNATIONAL, INC.
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:
Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : CashNetUSA. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and XXXX XXXX started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: American Coradius International LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Friday, XX/XX/2022, I received a letter from American Coradius International LLC ( Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX ) stating that they are a debt collector seeking payment on behalf of XXXX for an amount of {$590.00}. I have a XXXX account but have not had recent purchases that large. I reviewed my transaction history on XXXX and saw not charge that large or any outstanding balances. I then called XXXX and they confirmed that I owed no debt. If you XXXX the company, there are several hundred XXXX Reviews on this company sending out these fake letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've attempted to eliminate my PMI. I've paid my balance down to 71.64 % of my original balance. I've never been late on a payment and have made payments for over 180 months. Ocwen Loan Servicing is trying to force me to pay {$450.00} for an appraisal in order to eliminate the monthly PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: NAVY FEDERAL CREDIT UNION
State: NC
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 have filed a dispute in regards to the incorrect items on my credit report. Information on credit report is still showing inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: WELLS FARGO & COMPANY
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX/XXXX/16, I called Wells Fargo and made a payment over the phone as I did not have time to set up auto pay at my bank. They took my Debit card info and I have confirmation # XXXX. The I set up auto pay for the payment to come out the XXXX of each month to make it to Wells Fargo by the XXXX Due Date. Mid XXXX I got calls morning, noon and night. I answered at home, and was told by this gentleman that my payment was due, I told him I had auto pay, he said well no payment has been received, and I got on my computer and to find out, for some reason the payment for XXXX did not go out, my bank did not know why either. So I tried to pay it, he refused to take my debit card! He said he would only take my bank routing # and account information from my checking account. I told him I do not have checks! I do n't use them and do n't have this information. Well he was not very helpful, and the calls continued. I have to work, and as I nurse, I work hard, and I called to complain, and I got someone and told them what happened and then the bank payment went through on the XXXX. So XXXX I was late by what, 11 days. Then moving forward, all my payments were EARLY! Then I kept getting charged late fees, then they charged some sort on Interest On Purcharses of which there are none! This was a roofing contract for a specific sum, for a 36 month, No Interest loan! They then cancelled the first card, initiated another one and I still kept up and paid early! I finally had enough, called again, tried speaking to multiple people to stop this insanity. Finally recently a person named XXXX, reversed several late fees, but they still added one right back right after this, I paid on XXXX XXXX and on XXXX XXXX, they charged me a Late Fee!! AND, still charging interest on something called " Interest on Purchases '', but there are none!!! What kind of insanity is this? This is so wrong, immoral, unprincipled, worst customer service ever, then ... .THEN, I get a notice that they had reported a Negative Report on my and my spouse 's Credit Report on all 3 Bureaus '!!! For being 2 months late!!! We are not late!!! We are not missing any payments!!! They will not listen, they will not reverse this, this is not acceptable. So today, I went to my bank, got a cash adavance and paid {$3200.00} on the {$3200.00} balance, and I am done! I do not and will not do any business with them every again!! This is the worst case of fraud, should be illegal activity and worst treatment of customers ever.

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 2022-02-05
Company: Experian Information Solutions 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 status incorrect

Complaint:
I filed bankruptcy back in XXXX of XXXX and Experian took most of my accounts that were in good standing and marked them as potentially latemeaning the account had missed payments which they never did. Also they put accounts that wasnt included in my bankruptcy incorrectly on my credit report. I reached out to Experian and the representative told me I had 19 accounts with missed payments and that its showing potentially negative or missed payments which is also incorrect. Theyve also are refusing to remove the potentially negative remarks off my accounts stating that because it was put into a bankruptcy, they have to report it that way which is falsely reporting information when someone runs my credit and they also took all my accounts and put them over the credit limit which at the time before I filed my bankruptcy none of my accounts was over the the credit limit. They need to fix my credit report the way it was before I filed my bankruptcy and stop putting potentially negative on accounts that was never late because Im trying to get approved for a mortgage in XXXX of 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 2017-07-26
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 submitted a dispute letter to Equifax advising that the debt reported for {$200.00} by XXXX XXXX XXXX was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to Equifax and also to XXXX XXXX and have also completed an identity theft affidavit along with my driver license and notarized statement. However Equifax continues to report this derogatory information on my credit file.
I spoke with XXXX at Equifax fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from Equifax in which they have not provided.
Please see attachments that were submitted to Equifax and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made an international bank transfer from my XXXX bank ( XXXX XXXX ) to Coinbase Inc ( XXXX company ) for the sum of XXXX Euros on Sunday XXXX XXXX XXXX. My bank released the funds on XXXX XXXX ( due to the holidays ) and Coinbase should have credited my account within 24-48 hours. I have still not received this transfer and I contacted Coinbase support team ( online ) on Thursday XXXX XXXX XXXX and on XXXX XXXX XXXX to raise this issue but they have not responded at all to my requests. Their telephone support system was also not accessible. They did however gave me a case reference number # XXXX. 
If you can help to sort this matter out I would be very grateful. 
Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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: Information belongs to someone else

Complaint:
This is not mine. its identity theft from someone else. i never had XXXX car. please remove this on my credit report. 


1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$20000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
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:
Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.

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 2019-06-13
Company: CITIBANK, N.A.
State: TX
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:
A fraudulent charge appeared on my Citi Mastercard from XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/2018. My daughter made a MUCH smaller valid charge, and then someone at the salon ran a second, unauthorized charge on the card for {$23000.00}. Despite the ridiculous amount of the charge, Citibank never Calle to verify that this was a valid charge ( although I have previously received calls of that nature for smaller transactions ). Despite my maintaining from the outset that the charge was fraudulent, Citi has never treated it as a fraud matter, but rather as a merchant dispute. When the valid charge was made, they brought my daughter a tablet to sign for the charge, but did not return her card to her for some length of time. During this time is clearly when they ran the ridiculous, unauthorized charge. The e-signature for this second charge does not match my daughters signature, but looks like a poor attempt at forgery. Citi has done nothing to protect me as a cardholder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
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:
I have unauthorized inquiries from : -XXXX/XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. 











Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Carter-Young, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
An apt . my daughter rented while going to college, she switched schools and had to move, the company rented the unit 1 month later and now is trying to double dip and collect from her as well as me and also collected from other parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.

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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent letters of dispute on XXXX XXXX and XXXX XXXX of this year to Trans Union regarding their failure to remove my account from their reporting and showing a derogatory that is more than 8 years old which by law must be removed after 7 years from the first " late '' payment. This was a XXXX XXXX credit card account that was closed some years ago.. XXXX XXXX  replied to T.U. that they would not remove the account/derogatory at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX and I have been a Bank of America XXXX member for over 10 years. 
I am submitting a request to rescind partial payment in the quantity of {$1100.00} for a transaction placed on XXXX XXXX, 2016. Bank of America has refused to pursue this dispute. I have submitted complaints and refund requests twice to Bank of America. None of my notes were included in my complaints or requests. I was not able to upload information to my dispute file that could have helped transaction agents decide upon this issue. 

This transaction was for XXXX XXXX treatment with XXXX XXXX XXXX, an online XXXX practice headquartered in XXXX, TN. The company takes your XXXX molds and creates XXXX aligner trays to  straighten teeth. Like braces, XXXX treatments are slow and take several months as teeth are slow to move. 

XXXX XXXX XXXX did not inform me that my case was outside of XXXX 's treatment specifications at any point prior to the end of my treatment. I was not informed during my pre-enrollment, my case approval, initial treatment, or any of the refinements that my case could be outside the scope of their treatment. I was informed after 1 year of treatment- leaving me without any recourse of monetary recovery or dispute coverage from my bank. 
Because of XXXX XXXX XXXX treatment plan, I went to a local XXXX for a diagnosis. My XXXX reported that XXXXs plan has caused XXXX damage, pain, and XXXX  erosion which needs to be treated. None of these complaints have been acknowledged or pursued by the company. 

I am not the only patient that has experienced issues and asked for refunds from this company. Several complaints have been issued by the Better Business Bureau ( BBB ).  There are complaints about communication and quality of service all over XXXX and their homepage on social media. 


I would like Bank of America to pursue the transaction dispute against this company. I feel taken advantage of by both Bank of America AND XXXX XXXX XXXX. I would have hoped that Bank of America would protect us customers. Sadly, I feel that this bank has not done so.

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 2019-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from XXXX, Equifax, and XXXX, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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/XXXX I PURCHASED SOME CLOTHING AND A COUPLE OF XXXX WATCHES ONLINE ON THE MACY 'S WEBSITE ON XX/XX/2019 TOTAL WAS {$1400.00} ... ORDER NUMBER XXXX .. 

THEY CLAIM THE PACKAGE WAS DELIVERED, BUT I WAS NOT HOME NOR ANYONE WAS HOME ON THE DAY OF DELIVERY. I TOLD THEM I DID NOT RECIEVE THE PACKAGE SO THEY TOLD ME THEY WOULD INVESTIGATE. AFTER THYRE SO CALLED INVESTIGATION THEY SAY THAT IM TOTALY FINANCIALLY RESPONSIBLE FOR THE PACKAGE IN QUESTION. ISPOKE TO THEM AND ASKED THEM HOW THEY EXPECT ME TO PAY FOR SOMETHING THAT I DID NOT RECEIVE AND THEY'RE CLAIM WAS THAT TO MANY PEOPLE HAVE FILLED CLAIME 'S FOR THE SAME TYPE OF ITEM THAT I'M CLAIMING. 
I TOLD THEM THAT I DONT SEE MYSELF PAYING THIS SINCE I DID NOT RECEIVE THE ITEMS. 

THANK YOU

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 2019-05-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of this credit inquiry XXXX XX/XX/2018. Please investigate to ensure there is no fraudulent activity.

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 2020-05-28
Company: EQUIFAX, INC.
State: NV
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:
1 head u been calling and sending mail to XXXX XXXX they repeatedly ignore me even under the FTC the 609 disputed letter I sent 2 times and other mail 3 times and XXXX XXXX refuse to talk with me and and provided me with any proff of my signed contract or any other documents they are breaking the law under the 609 law

Company response to consumer: Closed with explanation