BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
Company: Alliant Capital Management LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is claiming to be a third party debt collection agency for a debt that I owed to a different company for an Installment loan. I have hired a law firm to settle the debt with the original creditor. I have received many phone calls from a woman claiming that she can settle my debt for a fraction of the original amount. I have told her multiple times that I am handling this through a law firm and that I do not wish to receive calls from her any more. I have researched the company she claims to represent and have found many scam reports associated with her calls. She has also called my parents home number and my brother 's cell phone in attempts to get in contact with me after I have ignored the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I closed on my loan on XX/XX/2023. With Highlands Residential Mortgage, my first payment was made in XXXX via cashier check to Highlands Mortgage, as advised by the loan XXXX, XXXX XXXX I received a letter of transfer to a new servicer in XXXX stating that the loan had been transferred to XXXXXXXX XXXX. The payment in XXXX was made to XXXX. In XXXX, I received a letter again stating that the loan had been transferred to XXXX, but in a weird format because it was from HIGHLANDS to HIGHLANDS but with a different loan number. I communicated this with XXXX, my loan XXXX, and she acknowledged that they now have my loan back. So, my XXXX payment should be paid to " XXXX ''. I set up auto-pay, but I saw that the money hadn't been taken out of my account. I couldn't make a one-time payment because it indicated that I still had a XXXX payment due. The issue has remained unresolved despite multiple calls and visits to the XXXX office. I want to know why XXXX is not accounting for the payment I made in XXXX through a cashier 's check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance Owed : {$740.00}

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 non-monetary relief
Consumer complaint received 2023-10-16
Company: Marlette Funding, LLC
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Nothing has happened a representative continues to call me to inquire about payment but can not adjust the bill, also they continues to call before XXXX a.m. eastern time until about XXXX p.m. at night. They call at least 4 times a day sometimes more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: NAVY FEDERAL CREDIT UNION
State: LA
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:
In XXXX of this year I scheduled a payment with an external account. When I realized that I may have an issue with the external account covering the payment. I called to make the payment. I was told that everything was fine. And they I did not have to pay it again. Eventually I was charged the fee that I was misinformed about. NFCU has refused my request to listen to the recorded call. I was once sent a link to dispute the charge Now I am being told that it can't be disputed after I was sent a link to do. The representative do not directly respond to my questions. As if I can not inquire about my account and money when I was misinformed. Leaving me no other alternative but to file complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-09-29
Company: DISCOVER BANK
State: CO
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'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/21, I opened a Fifth Third Momentum Checking account online ( ending in XXXX ) and was provided with the account opening disclosures. I also created my online banking account at the same time. In all of the disclosures that were provided to me at account opening and when I created my online banking, Fifth Third did not disclose to me that there was a {$3.00} web transfer fee for making a transfer from online banking to an external account. On XX/XX/21, I initiated a {$2000.00} transfer to an external account. I later learned when reviewing my statement that Fifth Third charged me a {$3.00} web transfer fee. This fee was not disclosed to me on the screen prior to making the transfer either. Fifth Third advertises this checking account as " No Hidden Fees '', but this {$3.00} web transfer fee appears to be a fee that was not disclosed prior to when it was charged and is therefore a hidden fee. This type of fee would be a fee that is required to be disclosed prior to account opening or prior to when the first EFT is completed under Regulation E. To make sure I didn't miss this fee at account opening, I reviewed the fee disclosure that is located on the Fifth Third website and again noted that this fee is not listed. I also could not locate a separate online banking fee schedule on the website or when logged into online banking. I have since closed out my account, as I did not see value in keeping the account open and was not happy with these hidden fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I WIRED XXXX XXXX A TOTAL OF XXXX ON 4 DIFFERENT OCCASIONS THRU BANK OF AMERICA XXXX TO ANOTHER BANK OF AMERICA CUSTOMER WHICH IN MY CONTRACT I WOULD BE EXPECTING XXXX ON XX/XX/2023 AND OF COURSE WHEN IT WAS GETTING CLOSER TO THE PAY OUT DATE HE STOP ANSWERING MY CALLS LAST ADDRESS I HAD FOR HIM WAS HIS PLACE OF BUSINESS WHICH IS LOCATED IN XXXX VIRGINIA. I CONNECT MY BANK WHICH THEY TOLD ME IT NOTHING THEY CAN SO I DROVE TO VIRGINIA ON XX/XX/2023 AND FILED A COMPLAINT WITH THE DISTRICT COURT WHICH WAS SCHEDULED FOR XX/XX/2023 I DROVE BACK TO XXXX FOR THE JUDGE TO TELL ME ITS NOTHING SHE CAN DO. I REACHED OUT TO THE ARMY/MILITARY BASE BECAUSE I KNOW HE IS IN THE ARMY AND HAD NO SUCCESS.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my recent credit report, I suddenly I notice that there was an inaccurate account. This was not sent in error. Now I have some false not 100 % accurate account on my credit. 

XXXX XXXX CHILD SUPPORT

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 2018-10-25
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Thank you for your time and patience in reading this letter. I am writing to you because in the beginning of 2018, I realized that I had an account showing on my credit report as closed of {$290.00} from XXXX XXXX XXXX. That really bothered me because I previously had XXXX  after they bought out XXXX, in which now I have XXXX XXXX. I'm requesting that the negative information be updated and not reported to the 3 major credit bureaus, do to the nature of trying to achieve personal goals to maintain a better life for myself. This information being reported is over 5 years old and I'm just recently seeing it.

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 2023-10-18
Company: Velocity Portfolio Group
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX and also CKS Prime Investments companies are both third party debt collector.. I have ask for both companies to send me all document with original contract or signature or account accuracies.. 
XXXX XXXX XXXX has debt for XXXX opened XXXX XXXX XXXX  CKS Prime Investments has account for {$580.00} open XXXX XXXX  I have disputed these at least 3-4 time.. I just really need help and removing these items off my 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 2017-05-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter o  X/XX/2017    to the credit Bureaus asking them to have convergent provide proof that the  XXXX  bill account is indeed mine. On  X/XX/2017    I receive a letter from Convergent stating that they investigated and the account is mine and the attached  XXXX  bill is validation. According to the FCRA this account has to be verified and submitting a bill is not verifying that this debt is mine. Where is the signed contract, with my photo id?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XXXX   2016 , I made a debt settlement with a company called  XXXX . The original debt was just over {$1800.00}. The debt was settled for {$750.00} even. I had taken out a personal loan at my local credit union to pay for this debt. My credit union mailed out the check. I called  Barclaycard  a few weeks later to confirm they received the check. They did confirm the check was received and that my account has a balance of {$0.00} and is closed out. 3 months later, I receive mail from  XXXX   XXXX   XXXX  stating they are a debt collector and that I owe them just over {$1800.00}. I called to inquire about the debt, as I had my credit union completely pay off all my credit cards and should n't have anymore debt.  XXXX   XXXX   XXXX  stated they bought the debt from Barclaycard. After dozens of phone calls, neither company can help me. Barclaycard has hung up on me many times when asking how to handle this.  XXXX   XXXX   XXXX  does n't seem to have a single employee who can speak decent English, let alone understand what I 'm explaining to them or how to handle it.

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 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Capital One says I owe for a credit card that was open to an address that I never even lived at I never took out or had a Capital One card this isn't even my address where it was taken out please have Capital One delete this from my XXXX and XXXX credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: MD
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:
My bank ( XXXX XXXX ) is not reporting my mortgage payments to any of the 3 credit bureaus. I called several times, each time i was told to get reaffirmation letter, i called several attorneys for legal advice and i was told its too old to get reaffirmation letter, i filled XXXX XXXX in 2014, bank is asking letter from that 2014 XXXX XXXX case, i only need bank to report my payments to all 3 credit bureaus. 
My loan was transfered from XXXXXXXX XXXX XXXX to XXXX XXXX more then 2 years ago. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: MA
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:
These inquiries are too old to be 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 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 2023-05-01
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 some of the information was 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 that need to be investigated and corrected from 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 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 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 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 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 2023-05-01
Company: EQUIFAX, 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 some of the information was 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 that need to be investigated and corrected from 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
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:
I sumbitted a request to validate collection accounts on my credit report. The letter stated for the credit to have the collection agency provide original documentation to prove that these accounts are mine. I was sent an email notification that my investigation was over but they have failed to tell me how they validated these debts.

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 2023-01-25
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: Information is missing that should be on the report

Complaint:
I have CLOSED accounts at XXXX XXXX XXXXXXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED accounts as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my Experian, XXXX and XXXX credit reports fail to accurately reflect that my accounts are disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX   XXXX   XXXX  hold  XXXX  accounts from  Citibank Best B uy that were from Identity Theft by a relative of my husband. I submitted in  XXXX  Fraud Report t o Citibank B est Buy ( Original Creditor ),  XXXX  is now the owner of both debts and I am currently being sued for a balance of {$3000.00} in account #  XXXX , this debts are not mine. I provided  XXXX  another Identity Theft Report and also to  XXXX   XXXX   XXXX  their Attorney representing them on  XXXX  and also on  XXXX / XXXX / XXXX , I have contacted  XXXX   XXXX   XXXX  and fail to dispute both  Citibank B est Buy accounts. They have also not done anything to stop their legal action on the lawsuit to investigate. On  XXXX / XXXX / XXXX  I sent a request about both debts and they have not provided me with any documentation other than monthly statements.   I am a victim of Identity Theft, this debts are not mine!

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