BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is being sent to you in response to the above reference account that Wakefield & Associates has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Wakefield & Associates is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: MoneyLion Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In late XXXX, there were three charges to my bank account for almost {$400.00} each. All three charges were the same exact amount. The charges said, " XXXX '' which I XXXX  and found to be a company called MoneyLion. XXXX refunded the fees and sent me a new debit card, so I thought that was the end of it. On XX/XX/XXXX, I received a credit card with my name on it from MoneyLion. I contacted them to say that I had not applied for a credit card with them and that this must be related to the charges to my bank account. They assured me that I just needed to cut up the card and I would be all set. They also asked me to speak to their fraud department, which I did. When the fraud department asked for the phone number associated with my account, I gave them my phone number and they said that was not the correct number. Of course it wasn't - because I did not open the account. They would not give me the phone number that had been used. Anyway, I filed a report with their fraud department that day. On XX/XX/XXXX, I received a letter from them letting me know that they determined that I HAD opened the account with them and that they were closing their investigation. They included a copy of my " application '' which simply contained an electronic signature with my name. I have been contacting them almost weekly since receiving this e-mail and they keep saying the same thing : I'm sorry, there's nothing we can do. Well, today, I received an alert that there was a change to my credit report. There is a delinquency from MoneyLion. I am in the process of buying a house - or I WAS. Now I am in the process of trying to get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
There was XXXX {$5.00} charges on XXXX XXXX, 2015, then on that day I transferred funds to my other bank account removing {$120.00} instead of {$20.00}. I expect that my mistake would cost {$35.00} for the one problem however at close of day although the XXXX {$5.00} XXXX purchases were a small amount and there where plenty of funds to cover both, the {$120.00} was processed first to ensure XXXX chargers of {$35.00}. That is over {$100.00} fees for one mistake. The bank, knowing I have had issues in the past feel they can not make an exception. I do not feel this is a fair way to do business,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Account from XXXX filed as bankruptcy on XX/XX/XXXX. Account paid in full XX/XX/XXXX never subject to chapter. Account legal paper work included and the auto title was received in 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 2016-09-30
Company: United Student Aid (USA) Funds
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX is a debt collector for USAFunds. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint. 


USAFunds is using XXXX as their debt collector. I sent XXXX several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.

Company response to consumer: Closed
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
Experian Fraud Dept Phone : XXXX XXXX XXXX XXXX XXXX XXXX Fraud Dept Phone XXXX ( XXXX ) XXXX XXXX and XXXX Fraud Dept Phone : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) 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 non-monetary relief
Consumer complaint received 2021-08-30
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to paypal credit card ( issued by Synchrony bank ) over {$1600.00} on XX/XX/2021. To this day they refuse to credit my payment. I have send them proof of payment from my bank and multiple times over fax, priority mail and email.

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 2016-01-18
Company: Exeter Finance Corp.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The company that I have my vehicle financed with will call my house, my work & my cell every 30-45 mins & when the answering machine picks up or voice mail starts, they hang up without leaving a message or call back number or anything. This is very annoying, harassing & downright unprofessional to say the least. All of our payments are made online & on time. I do n't know what their problem is but it needs to stop. They 're XXXX companies that I have this problem out of. They are Exeter Finance & XXXX XXXX. I will not recommend these companies to family or friends due to the fact this harrassment is constant, daily & lots of times late into the night whenever they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a fire in my home on XXXX XXXX, 2013 and boy this has been a nightmare for me. The insurance company ( XXXX XXXX ). It appears that these XXXX companies XXXX XXXX and Wells Fargo ) where working together without informing me with everything that was going on. I should have been informed by both companies on exactly what they were doing but I was n't informed until after the fact. XXXX XXXX sent a check to Wells Fargo without informing me of the amount of the check and XXXX XXXX did n't inform me that they had settled on amount in XXXX before sending it out a check in XXXX on the claim. The claim amount was paid with figures on a pay-off quote of what it would be on XXXX XXXX, 2013. This disturbs me because no discussion of the amount was ever discuss. Wells Fargo should have informed us they received this instead of us figuring this out almost four months later. Wells Fargo now is holding the check and also wants to foreclose on my house. These mega banks have to much power to where the little man has no way of surviving in this world. I hope I do n't become homeless because of how these two companies cheat the consumer out of the American Dream. They need to be stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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:
How can these accounts show the payment status of 120 days past due for the months of XXXX and XX/XX/2019 when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! These accounts were transferred to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID or UPDATE '' all late from reporting on these accounts immediately. Below are the accounts that are still reporting on my account : NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CITIBANK, N.A.
State: CA
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:
Im filing a complaint against a CitibankCredit Card because they are trying to collect money for charges not authorized by me. I closed the credit card account on XX/XX/XXXX. There was some credits in my favor for approximately 50 dollars that they never returned. Contrary they are charging me again for a charge I disputed on XX/XX/XXXX. I have tried to discuss this matter with them but they just leave me waiting on the phone or just hung up on me. They never return my calls either. Now they are not only denying refunding me my credit but they are also trying to collect more money from me. Please help. Thank yo

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 2016-10-26
Company: BANCO POPULAR DE PUERTO RICO
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My late mother passed away a year ago. She left a creditcard with Banco Popular of Puerto in her name with a high balance. The credit card division has filed a lawsuit demanding payment. My Attorney XXXX XXXX XXXX has approached the credit card division of the bank and negotiated an agreement to pay off the outstanding balance from {$38000.00} to {$24000.00}. My surving father has two CD 's which add up to more than {$100000.00}. My Attorney suggested to the bank that one of the Cd 's be cash and the monies be applied towards the outstanding balance. The people at the consumer division of the Banco Popular refuse to do this. Neither I nor my XXXX sister have that kind of money. Could you folks please help me with this problem? I have dealt before with the bank 's Attorney XXXX XXXX XXXX XXXX at the banks legal division at XXXX ext. XXXX. I think the solution suggested makes common sense. Thank you for all previous help and may XXXX bless all of you! 
XXXX XXXX XXXX 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 2016-10-10
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/XXXX my wife and I opened a checking account, an IRA and a line of credit with XXXX XXXX in XXXX, XXXX We set up XXXX automatic withdrawals ( an internet monthly service and a bank associated insurance product to cover the line of credit ). We continued to use this bank until XX/XX/XXXX when we moved to XXXX, XXXX. to a rental home. We gave them a change of address for the move to XXXX. XX/XX/XXXX, we purchased a home and opened a bank account in XXXX XXXX. XXXX XXXX was purchased by Td Bank in XX/XX/XXXX. We had left the account in XXXX open. Over the ensuing 10 years XXXX XXXX and then Td Bank continued to withdrawal from the account the monthly recurring charges for the internet service and bank associated insurance product and then once the account was empty, they would then go to the line of credit and withdrawal the amount to cover the XXXX monthly charges plus a transfer fee plus an overdraft fee plus a monthly maintenance fee. The accrued charges are now {$8600.00} worth of debt to the line of credit. Td Bank states that they sent overdraft notices but they sent them to the wrong address for 10 years. My concern, although we did not provide a new address on the second move, is how could the bank not notice an account has been dormant for 10 years and then has reoccurring late fees, continued maintenance fees associated to a XXXX balance account and continued overdraft fees with no action. How could they not notice a return to sender on every overdraft notice they received for 10 years. Furthermore, they never sent any noticed for payment until I recently attempted to apply for a home mortgage and my current bank questioned the line of credit amount. When I contacted Td Bank and asked about the fees and charges, their response was it was not their problem or fault for the fees and they requested immediate payment. Had they asked for payment years ago, the current situation would have been easily rectified and not occurred. The accounts could have all been closed and the reoccurring charges transferred to my new bank. Today, when I requested documents and statements they charged my account a fee which will now require a transfer fee from the line of credit and an overdraft fee, thereby increasing the debt on the line of credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30
Company: Mandarich Law Group, LLP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX XXXX I received a claims notice and summons for a debt that is not mine. It was from XXXX XXXX. It said a loan was opened on XXXX XXXX in the amount of {$5800.00} with XXXX  XXXX. This debt is not mine. The last name was misspelled and I pulled my credit reports and the debt of course doesn't show because it isn't mine. I was recently hired with a financial investment company who did a very extensive criminal and credit background check. I just started this job on XX/XX/. I have filed a dispute with the county and have a court date of XXXX XXXX XXXX. This is very upsetting and I don't know what to do. Please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: PA
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 went to some car dealerships and my credit was ran more times than I authorized. I would like to have them removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: MI
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, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account which is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Home equity loan service company SLS took over from another home equity loan service company XXXX in XXXX. Since SLS has begun servicing nothing has been correct on my account since, including payments made. Below is a description of the problem. 

In good faith I have attempted to get resolution with you, ( SLS ), regarding errors to my account to no avail. My account has always been in good standing with you, XXXX I provided proof of all payments for 2015 ) since you took over servicing from XXXX, however my current monthly statement does not reflect so. Each month, proactively, I have called SLS speaking with a number of individuals in executive services and have received acknowledgement my account is n't correct in some way or other and from several individuals been told that you had a number of errors from XXXX accounts that came to you from XXXX including mine. I was also told by XXXX that my monthly payment is n't enough to payoff the entire loan balance under the terms of the modification I completed with XXXX last year and someone needed to complete an audit. 

From XXXX last month, a review of my account is warranted, monthly payments were n't applied properly and that I would receive a call back from someone within 5 days after a review. Nothing by SLS to audit or correct my account has been completed. 

Therefore, since you have been negligent in completing a through review of my account and correcting errors, including payments, I am filing a complaint against SLS with the Consumer Financial Protection Bureau an affiliate of the XXXX Treasury that oversees improprieties against consumers. I also have reason to believe that due to my account errors with you my credit rating has been denigrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: PR
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts ; US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} ), US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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