BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: MoneyLion Inc.
State: TX
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:
Previously approved for charges and sent a notice of denial and requested to re open on XXXXXXXX XXXX XXXX XXXXXX/XX/2002 yet no response yet

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 2019-11-12
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason. and they hold my money for 180 days even my costumers got all the items the ordered and they happy with it. and paypal try to stole my money for 180 days after they got all the fees. my paypal email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential record and certainly not the alleged XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possibleXXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$6300.00}

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 2021-10-27
Company: EQUIFAX, INC.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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: Personal information incorrect

Complaint:
TransUnion did not have my written permission to report personal information on my consumer credit report. I have asked the information to be removed.

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 2020-04-02
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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 belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential record and certainly not the alleged XXXX XXXX  showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Describe what happened so we can understand the issue ... 
Naval Federal Credit union fail to pay bill as though their bill pay as agreed resorting in my credit going bad they told me they was going to depute the to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They said they sent you a letter to give to me. Never got it They are now retaliating against me by not paying my bills as set up in the system and scheduling payment early so they can charge me a fee. They claim they ca n't see my records lie lie its in their system. They agreed to send a letter to the reporting agency 's and was sending me a copy by mail, when asked they sent it to you to give to me still do n't have it. Their current action is retaliation for filing prior complaints. They have and to continue to mess-up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I opened a mortgage through XXXX Mortgage XXXX as part of my home purchase in XX/XX/2016. I submitted XXXX months of payments to XXXX Mortgage and was notified that my loan had been sold to Wells Fargo. Both payments were sent via certified mail and XXXX confirmed via e-mail that they had received and forwarded the payments to Wells Fargo. 

The XXXX payments were for bills due on XX/XX/2016 and XX/XX/2016. The XXXX payment included XXXX checks ( XXXX personal, XXXX from my credit card company rewards department ) within the same envelope and was credited correctly. The XXXX XXXX payment included XXXX checks within the same envelope and was not credited correctly. The first XX/XX/XXXX payment check was in the amount of {$2200.00} from my personal account ; the second XX/XX/XXXX payment check was in the amount of {$200.00} from my credit card company rewards department. The XX/XX/XXXX payment only credited {$2200.00}, not the full payment amount. 

I have been working with Wells Fargo since XX/XX/2016 to resolve the XX/XX/XXXX payment issue. I have received some assistance from XXXX XXXX XXXX XXXX x XXXX ) at Wells Fargo. XXXX and I contacted my credit card company to request a copy of the rewards checks and we agreed to cancel the missing {$200.00} check if it had not been deposited. XXXX found that the missing {$200.00} had not been deposited and cancelled the check. On XX/XX/XXXX, after the {$200.00} check had been cancelled, a {$200.00} credit was applied to my Wells Fargo account. 

On XX/XX/2016 ( for XX/XX/XXXX ), I went to the Wells Fargo branch to pay my XX/XX/XXXX payment. I used XXXX checks again ( XXXX from my credit card company rewards department, and XXXX personal ). Wells Fargo accepted the checks and provided a receipt for the payment. Initially, the payment credited properly ; however, Wells Fargo reversed the {$200.00} payment for the cancelled check AND reversed my XX/XX/2016 ( for XX/XX/XXXX ) payment as well. 

I have never made a late payment on any loan, credit card, or anything on my credit -- ever. I am now trying to refinance the mortgage from Wells Fargo due to the poor service, but I fear that I will be blocked due to this accounting issue at Wells Fargo. I confirmed that third-party checks were accepted by Wells Fargo and XXXX. With a previous Wells Fargo mortgage I used the credit card rewards payment checks without issues. I am unsure what to do at this time, but I would like my payments to be properly credited.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern I have recently been informed that there is a negative information reported by United States Bankruptcy Court, in the file they maintain under my social security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX  XXXX & XXXX XXXX Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. they all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to the United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The Bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies '' I am just a little confused why the credit reporting agencies lied for

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 2016-04-06
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Despite several attempts and communications to Equifax by certified mail, they are still reporting a negative Public Record on my credit file. XXXX and XXXX have both deleted all Public Records that were filed in error from my files. XXXX refuses to do so. The record in question is a State Tax Lien from the State of California. It was filed in error and needs to be deleted. 

Kind Regards, XXXX XXXX XXXX XXXX. 
Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status -- Amount {$7900.00} Classification --

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: SYNCHRONY FINANCIAL
State: FL
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 received an alert from XXXX stating a credit inquiry was added to my credit report on XXXX. XXXX 2020 by " Syncb/Paypal. '' I do not recall or have any knowledge about is. 

Before I jump to fraud I wanted to find out more about this inquiry.

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 2016-11-20
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NFCU Mortgage and XXXX Insurance Section sent XXXX threatening letters regarding Master Flood and Master Hazard insurance on the condominium we own. The letters inferred that we ( the XXXX ) did not have insurance and I / we ( the owners of unit XXXX ) did not provide proof, NFCU would buy the insurance at an additional cost to us ( the owners ). Upon investigating this allegation, we contacted the XXXX insurance company and quickly resolved the situation. The NFCU Mortgage and XXXX Insurance Section could have performed this task just as easily,,, but was either too lazy or incompetent to execute the task. The letters as written are not customer friendly, ,in fact they are downright insulting to any long term member ( 20 years ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX Collections Account # XXXX is reporting on my Equifax credit file as a duplicate account. The same debt with the same open date, account number, and balance is reporting twice on Equifax and I 've disputed this account on several different occasions only to be told it 's reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I tried changing my due date over a week ago ( 7 days roughly ) prior to my due date. I have automatic withdrawal scheduled on my due date. The CSR told me I have to cancel my automatic payment online only and change my due date online only. She did not tell me it had to be at least XXXX business days before the due date. Today, 3 days before the due date, I 'm told by a floor supervisor ( XXXX branch # XXXX ) 3 business days may not even be enough. Sometimes they will still auto withdraw the payment from the account, there is no guarantee it wo n't. Also, they can not manually cancel the transaction, even if they contact their " payment processing '' department they can not do it. I struggle with this considering the size of the organization, that they can not manually put a stop to a transaction when the payment is not even pending. Also, the terms and conditions do not mention that " potentially '' it may or may not hit your account. The terms and conditions are only available via a small link you have to click and read, the web page itself does not present or require you to read them before you accept the automatic withdrawal. You can easily, accidentally skip over the link and continue the setup of your automatic withdrawal payment. Needless to say this entire payment process is unfair and deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/2016, I checked my Equifax credit report. I noticed an old medical bill that my insurance had supposedly taken care of. The bill was from XXXX. Upon attempting to dispute the bill with them, I found that they were completely unresponsive, and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts that exist in my report that I never opened & never know about such as capital one XXXX XXXX  I want to clean my name & raise my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have a previous complaint on file about the servicing errors and about Nationstar Mortgage dba Mr Cooper, refusing payments, retuning automatic payments as refused, then charging us late fees and starting foreclosure process, as a predatory lending practice. When brought to their attention to get them to fix it. We were told to fix it we had to apply for modification, most of there errors were caused by botched modification from late 2018. So we paid hope mortgage fees, HUD second mortgage fees twice, and lastly on a botched modification, and was ultimately made to sell our home, that was valued at XXXX, for $ XXXX- as you lender said we couldnt get the modification because we already had one. Also we couldnt open our account to make payments even though we hadnt missed any payment, until they stated refusing payment. We have sold the home to protect our investment, however with them threatening to still proceed with foreclosure, we had no choice but to sell fast,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Windham Professionals, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I signed up with XXXX University on line. Told my student advisor I was XXXX and suffered XXXX. Was not sure if i could handle the pace. XXXX XXXX, Advisor, told me verbatim, " No worries, if you find you ca n't handle the program you may quit any time and only owe for the time in the program ''. I was on line 3 weeks and emailed her it was too much. She replied, " Okay, i will put you in for a resubmit for next semester '' I told her, " NO! i do not want to continue '', she resigned me any way and now they have been trying to collect for 2 full semesters. I am on XXXX and barely paying my living expenses, I can not repay this loan, and I feel I owe then nothing, period!!

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