BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is about the final bill from XXXX XXXX. XXXX did not provide the service that I was charged for and the claim should be removed from my credit report.

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 2019-10-06
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
I have never paid this account late. 

ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN 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 2023-06-05
Company: NCB Management Services Inc.
State: AL
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 and this creditor Santander ( NCB MANAGEMENT SERVICES ) is reporting inaccurate information on my credit report and refuse to remove this account off of my report. I have sent in all of the documentation such as the ftc report and police report to solidity the information they needed the amount was XXXX but now they are still reporting almost XXXX Dates are XXXX they claim till now XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Select Portfolio Servicing, XXXX  XXXX XXXX XXXX XXXX is committing Mortgage, Deed, Assignment of Mortgage, Bank And Securities Mortgage Foreclosure Fraud by obtaining a Default Foreclosure Judgement on XX/XX/XXXX. XXXX in XXXX Court of Common Pleas instead of providing Consumer Relief per sanction given on XX/XX/XXXX by the Department of Justice. Im currently in Pa XXXX XXXX XXXX XXXX on a Appeal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have never apply for this companies, i believe that somebody stole my personal information and applied for this companies.

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 2018-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with Experian. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.

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 2022-03-22
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted Sallie Mae directly XX/XX/2022 after I had been called daily whenever loans overdue. I have contacted XXXX and Left a message at XXXX XXXX University. It was written in one site about private student loans that to deal with Sallie Mae loans should be in default. After talking with XXXX I was transferred to the Fraud Department where I talked with XXXX. 

I explained I felt my grandson and I had been taken advantage of by XXXX  XXXX University and Sallie Mae. My grandson qualified for work study ; is a XXXX  in an under represented university and program ; is a child of a single mother, BUT never qualified for lower interest rates, federal funded loans or any financial grants. I co-signed two loans ( {$15000.00} and {$17000.00} ), but now my grandson has 4 loans totaling over {$100000.00}. 
When I talked with XXXX in the fraud department he only wanted more information from me. I dont have access to any online accounts and I wouldnt give my social security number. Of course they already have most of my information, thats how that can email and/or call me so regularly. I asked for a person to call me which has not happened. 

Please advice me on next steps. Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number ****XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number ****XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in ****XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in ****XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-11-03
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had already submitted a claim for this issue ( CFPB Claim # XXXX XXXX, wherein the company claimed to have credited my checking account on XX/XX/26 for {$75.00}. In fact no such credit was ever made to my Sofi checking account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im sending in my dispute letters to the credit bureau and Im getting a generated response from the credit bureau stating that they dont believe the letter came from me and they are not responding or investigating my report correctly and I would like a response promptly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Block, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX I placed an order with wayfair. Immediately I got an email for the XXXX order # XXXX, XXXX sends me XXXX invoices for this XXXX order, afterpay invoice # XXXX and invoice # XXXX. After seeing I was double charged I immediately contact both XXXX  and XXXX. XXXX cancels the XXXX order in hopes it will delete both charges. XXXX redunds # XXXX but continues to charge me the duplicate charge, invoice # XXXX, making me pay the {$410.00} they glitched and defrauded me. It gets worse though, because I opened a dispute with XXXX, they disputed XXXX so XXXX credited both charges, and sent me a receipt of this that I provided to XXXX. Then XXXX fraud department found they were only ever sent XXXX payment by XXXX, but since they refunded XXXX, now they show the order outstanding and that I need to pay for it! So XXXX  not only double charged me, they got the refund from XXXX too that XXXX responsible for on that end, Ive sent Afterpay proof of my now outstanding balance with XXXX since XXXX  defrauded us both! Afterpay doesnt have a number and only gives automated responses that their waiting on the merchant refund which makes no sense in this case. Upon researching it, turns out XXXX  glitches and double and triple charges, never sending the money to the merchant, therefore the merchant having no record of it habitually. Then they give they just give automated responses. This company has been allowed to get away with blatant theft. It takes just a quick search to see how common of a practice this is for XXXX. I want my money credited, XXXX sick of XXXX playing XXXX like they dont know what XXXX saying even though Ive XXXX them proof of everything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a purchase online in XXXX and paid for that purchase with my PayPal account which I have had for over 15 years. I did not receive the merchandise and requested a refund from the seller. This refund was made in a series of payments to my PayPal account and PayPal froze my account for 21 days holding those funds. It has now been more than 30 days and PayPal refuses to let me transfer those funds to my bank. They will not release my funds. I spent over twenty minutes on the phone with a representative who refused to close my PayPal and credit card account with them and send me my funds, which they are illegally holding. I have had this account with them for over 15 years and never had a problem, but their actions over this incident have caused me to lose confidence in PayPal and their system and I simply want my funds transferred to my bank and the account closed. They refuse to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: AK
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:
Equifax has falsely verified several accounts in question. They claim that XXXX XXXX is my accounts. How??? The so called charged off accounts of the that XXXX claims is the Origional creditor is nowhere on any credit file .... Not Equifax, Not XXXX, not XXXX. Tell me, how can a company collect on a non exsistant account??? Equifax not only falsely verified these accounts, but refused to disclose how and any documentation that was used to verify these accounts. XXXX sent me a 4 year old statement dating back to 2015. How is this validation???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is complaint follow up with existing Complaint Number of my Existing Complaint XXXX XXXXhase Executive Office provide me with the following information : - They credit to my account a total of {$100.00} as a courtesy - Because I am a VALUE CUSTOMER they credited to me an additional {$33.00} in fees and interest But still my last bill for the XXXX shows me that I still owe him a late fee and interest in the amount of XXXX dollars They still collect from me rest of late fee and interest for all this month what they didn't WONT to give me my money back Why should I pay for someone else 's incompetence - over the past 8 months, bank employees have not been able to solve an elementary problem with all supporting documents on my part Please refer to all my credit card statement attached -m let them calculate everything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violation 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 2023-08-15
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: Their investigation did not fix an error on your report

Complaint:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-11-22
Company: Experian Information Solutions Inc.
State: KS
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:
I sent Experian a letter on XX/XX/XXXX, asking them to correct five mistakes on my credit report. They have not responded yet. They are supposed to respond within 30 days.

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 2022-02-12
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a COVID-19 JOB LOSS forbearance program with US Bank , that began in XX/XX/2021. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX or XXXX. Over the XXXX ( XXXX ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( XXXX ) month so US Bank could determine my options. In late XX/XX/2021 I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/2051 First monthly mortgage payment due : XX/XX/2021 XXXX payment was made : {$860.00}, with {$130.00} additional principal = {$1000.00}. Note : There is no XXXX on the property at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation given, other than, I would have to reapply. Numerous attempts to get an explanation have been futile.

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