BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: WELLS FARGO & COMPANY
State: MI
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:
Upon pulling my consumer report, I noticed several inquiries that I have no knowledge of. I have not applied for employment nor credit with these institutions and would like these inquiries immediately 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 2016-12-14
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Freedom Mortgage is notorious for not posting mailed payments in a timely manner and I have called them in the past about this very issue. My XXXX 2016 payment was mailed XXXX/XXXX/16 and has not been posted as of XXXX/XXXX/16. I call and let them know on XXXX/XXXX/16 that if the check is truly NOT there I can make this payment today but if it comes through after that it will overdraft my account. The rep ( XXXX ) stated well you need to stop payment on the check.I refuse to spend money on that because I believe the check is there and I requested them to look for it. I was told no they do n't do that. I requested a manager and was told no manager is available and was transferrd to escallations. The rep there continuously interrupted me as I was requesting them to look for this check. He told me they will not look for the check. Both reps refused to assist me. This company has no respect or consideration for it 's customers and it clearly shows. All I 'm trying to do is make sure this payment gets posted on time. If the payment truly did n't make it to their location it will be the only time this has ever happened. I have been mailing my mortgage payments for 17 years and NEVER had a payment not show up or ever show up LATE. My credit history and score is well above average because I pay my bills on time EVERY MONTH. This better not show up on my credit report due to this companies negligence in handling payments. I have mailed in payments to this company regularly between the XXXX and XXXX of each month and it is verifiable that they do NOT POST until the XXXX, XXXX, or XXXX. This company simply refuses to assist me on an issue I did not create nor do I have any control over. This is truly a shame and I want a company officer to call me immediately. Do not report any negative activity on my credit report and have a company officer contact me immediately.

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 2022-02-21
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Binance has locked my account and given NO way to reverse this unlawful action. They have NO physical address, no mailing address, no email address, no contact portal, no customer service department, and no phone number. They locked it because I took too long to transfer my money out. I took too long because NONE of the processes on their website allowed me to transfer my money. And now, NONE of the processes they offer on their website to correct this situation leads to any resolution, proving they are participating in an illegal act of stonewalling and deception. Every link leads to an endless loop of links and logins that circle back to the beginning. I have spent XXXX weeks attempting every possible solution with XXXX success. They suggest you open an account at their sister company, Binance.us in order to transfer your funds over, but that entity also participates in this illegal activity by holding your account status until your Binance account gets locked. I opened an account at Binance.us, at the suggestion of Binance, to transfer my money, but the " verification process '' has taken so long, that my Binance account was frozen. As of today, some XXXX weeks later, my Binance.us account is still not verified. I doubt it will ever be. This is XXXX, plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to get to my Experian credit report online.

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 2015-09-21
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Several months ago my wife and I researched refinancing our home in XXXX XXXX, we chose Freedom Mortgage. After several months, and to date ( XXXX XXXX 2015 ) we have not had the closing, but received a letter in the mail from XXXX XXXX on XXXX XXXX 2015 that : " The servicing of your mortgage loan has been transferred from XXXX XXXX XXXX XXXX to Freedom Mortgage Corporation effective XXXX XXXX, 2015 '', etc. 
The letter gives the address to submit payments : Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX with the first payment due on XXXX XXXX 2015. 
I made the payment to Freedom Mortgage account number XXXX, and now Freedom Mortgage is sending us another Good Faith Estimate with a completely different interest rate, mortgage payment, etc ... 
I was contacted by a XXXX XXXX, Mortgage Processor On behalf of Freedom Mortgage. XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXOffice : XXXX ext. XXXX Fax : XXXXEmail : XXXXXXXXXXXX. 
by telephone and e-mail. I replied to XXXX XXXX about the situation and my concerns about the original mortgage loan and informed XXXX that I have already started payments on the mortgage XXXX XXXX 2015. 
Today, XXXX XXXX 2015, XXXX replied back for me to provide her the loan number so she can look into this. 
I am afraid that this may be a scam or a fraudulent transaction, as that XXXX can not locate my mortgage loan number by my name, and that Freedom Mortgage has sent another Good Faith Estimate with different interest rates, etc., trying to fraud me and my family out of my hard earn military retirement / XXXX veteran XXXX XXXX. 

Which part of the mortgage process is your issue related to? ( 1 ) No closing occurred with official signatures, ( 2 ) per Freedom Mortgage letter dated XXXX XXXX 2015 to start payments on XXXX XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, Navient put a delinquency on my credit report even though I paid on-time. The adverse record, caused serious problems with my other creditors, as my limits were taken away because they saw the delinquency. The removal of my limits, has dropped my credit score. On two occasions, they have gone on my credit report in error. Although one has been removed, it still continues to adversely effect my other creditors, because when they ran the credit report that month, it was listed on my credit. I was not late, I paid my payment, they lied and said that I was late. It is difficult to figure out exactly when my payment is due, and how much was due, so I called and was instructed by a representative on XX/XX/XXXX that as long as I pay my payment by XX/XX/XXXX, that I would be kept from being reported. He suggested that I pay sooner than that date, to avoid late processing, so I set up an automatic withdrawal set to post on XX/XX/XXXX. The money was removed from my account, but they still reported me to the credit bureau. Navient calls me day and night, and sends me letter after letter, even though I told them that I have been recovering from XXXX XXXX XXXX and can not even afford to pay for my prescriptions. I struggled to get the money together to pay them, and even when I did pay them, they still report to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have made several request to Equifax to remove a fraudulent account that I do not owe them. I sent a identity theft affidavit as well as a picture of the persoon who di on and who was arrested for the crime. He has the same name as me and they st ill left the account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I can not dispute online

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 2022-02-21
Company: LEXISNEXIS
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:
I sent XXXX certified letters XXXX on XX/XX/2018 & XX/XX/2018 advising that I am not responsible for this insurance debt. I was never in an accident. l requested documentation a police report, etc. From the originator who sent me a letter back in XXXX. This information is being reported incorrectly on all of my credit reports as if it is a bankruptcy and checking XXXX XXXX Account ( XXXX ) because it can't be added as a collection debt. This is an illegal business practice on the part of the originator of the debt and LexisNexis. This debt was in dispute prior to it being placed on my credit report. This is not my debt, and it needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX I was charged by XXXX nearly {$700.00} for services I did not use. Thru multiple telephone conversations XXXX finally admitted that the bill might have been improperly charged. Being that no debt appeared on my credit report I assumed the matter was cleared. Now I find nine years later an attorney in XXXX, Stillman Law Office, has garnished my State income tax return. The most incredible part is this situation is the " debt '' is outside the statute of limitations. Even if it were legitimate The Michigan Judicature Act of XX/XX/XXXX clearly states that this is an attempt to collect a bill that was charged to me nine years ago. Would you please help me with this?

Company response to consumer: Closed
Consumer complaint received 2016-06-01
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Consumer has made a previous complaint to CFPB about Diversified Consultants in which they responded with lies. Consumer e-mailed Diversified Consultants to inquire as to its reason for placing a statute of limitations-barred, bogus wireless bill on both my XXXX and XXXX credit reports. The rep responded that the account could not be located and requested I send my name and address to verify the account. Of course, I refused. The rep first asked for the last XXXX digits of my SS # -that I provided. DCI was quick to place this bogus item on my credit reports but can not find the account in their records and quick to respond with lies to the first CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Navient Solutions, LLC.
State: CA
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:
Navient notified me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my payments would be increasing. The emails directed me : " How to apply now Apply online : Visit StudentAid.gov to get started-it 's the easiest and fastest way to apply. 

Apply by fax or mail : Visit Navient.com and download an Income-Driven Repayment ( IDR ) application, or give us a call at XXXX and our automated voice response system can send XXXX to you. Then, return the completed form and supporting documentation to us by fax or mail. 

Fax : XXXX Mail : Navient, XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX Visiting the studentaid website on XX/XX/XXXX and even today XX/XX/XXXX I receive the message " Our records indicate that you are not due to recertify your income until XX/XX/XXXX. 

If this date has not hit yet, and you select this option, your servicer will not re-calculate your payment based on your updated information until XX/XX/XXXX. If you want your payment to be immediately recalculated, select the third option to have your payment recalculated immediately for the income-driven plan you are currently enrolled in. '' After a phone conversation with Navient, I was informed that they do not take any responsibility for the information present on studentaid, despite the fact that they directed me there as an option to recertify. The communications from Navient did not notify me that there may be an issue with recertification via studenaid. 

I am frustrated that Navient continues its pattern of directing me into forbearance. In order to recertify with Navient, I needed to put my now " past due '' accounts in forbearance while they process the recertification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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:
I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

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 2019-11-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid my target credit card bill in full on XX/XX/2019. The payment posted to my account and funds were extracted on XXXX XXXX from my checking account. I tried using the card and was told I dont have available credit. I called target and was told I need to do a conference call with my bank to verify the payment was made from my checking account. I explained to the consumer servicer rep I have made many payments prior and never had this issue. They are failing to address the issue when the funds have been extracted from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
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 am not able to use my Amex Membership Reward points ( earned over the last two years ) because my account has  been in " review '' for three months now. I contacted them few times and they never told why it was in review or when the review will be done. It's already been almost 3 months and the only answer they give is that my account is still in review with no reason or timeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18
Company: Avant Credit Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My complaint comes from the fact that Avant a personal loan company based out of XXXX, was having trouble with my payments. I was attempting to make my payments, however they were securing the funds from the wrong account. ( AN ACCOUNT THAT WAS NOT MINE )!!!!! I noticed this immediately, and called them to let THEM KNOW that they were not collecting correctly, and I was trying to make my payment. ( i Have never had so much trouble trying to convince someone to take my money ) After I called and let them know that they were making a mistake, they charged me for the interest for the " late payment ' This payment was never late, and could not have been addressed any sooner than after my scheduled date to make a payment. As soon as it was able to be fixed, I again reached out to let them know the mistake they were making. They said they would call me back. 

What they have done, is nothing, and have over charged me for a payment that was never late, and should have never been late. And to this date, there has been no issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I received a letter from Southwest Credit Systems , L.P. stating that I owed {$840.00} to XXXX. The letter stated : " Our information shows : You had a account from XXXX with account number XXXX. '' This is false information. This is not a XXXX account number, but it is my reference number with SWC. 

Because of the false information SWC provided, when I called XXXX later that day, they stated that my balance was up-to-date and this was probably a fraudulent attempt at collections, so I reported it. Importantly, because my alleged XXXX " account number '' per SWC 's letter only had 8 digits and XXXX 's actual account numbers have 16, the XXXX representative assured me this wasn't a real collections letter. 

On XX/XX/2022, the collections account hit my credit report, and on XX/XX/2022, XXXX confirmed it was a result of identity theft. 

On XX/XX/2022, I emailed an image of the collections letter to a Customer Security Assurance representative at XXXX. On XX/XX/2022, that representative stated that XXXXXXXX XXXX system never would have located the account because of the false information SWC provided.

Later, a representative from SWC 's compliance department confirmed the error and that they should've used the creditor account number, not SWC 's account number. 

In sum, SWC told me that they were collecting for " a account from XXXX with account number XXXX. '' This is false. If SWC had not erred and had accurately provided the creditor 's 16-digit account number, my credit score wouldn't have been impacted, and I would've been alerted to my identity theft 2 months earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Experian Information Solutions Inc.
State: SC
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 previously opened a XXXX XXXX credit Card Account with XXXX  in 2012, I paid off my XXXX XXXX credit card account ending in XXXX, XXXX  Bill my account {$650.00} in fraudulent late fees. 

Furthermore XXXX  used unfair and deceptive business practices. I have disputed the billing issues numerous times on Experian and XXXX  responses to Experian were The information is correct : default

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