BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Harrasing family members when I told them to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; SOC SEC ADMIN OFFICE O, XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form 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 2023-11-23
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with a company called truist. I applied for a card with no annual fee or apr for 12 months. However, during the first year I got charged a lot of interest and even an annual fee. I reached our to the CFPB, and they reached out to truist and the issue was fixed, or that's what I thought. Recently I got charged another annual fee even though like I stated, the card I have has no annual fee. I called them and let them know of the issue but it's been close to a week and I still see the annual fee, and now I'm getting late payments and interest because of this annual fee

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 2022-10-20
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I am currently homeless, the original address of XXXX XXXX XXXX is a XXXX organization that requires ID to obtain mail. They sent my last card back, so I've set up my address at another organization XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Colorado. They Also require ID to pick up Mail there. I can not have ID with their address as Serve wants me to send a picture of my ID with the address. If possible I would like for XXXX to send it to the XXXX side cares address as I have recently picked up mail there. Also, if they could reset the last request, so that I may contact them directly. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
The credit report was missed, leading on one of my secure credit account. I had request several time to fixed the credit report on my secure credit card for late payment and had never fixed as of today and asked how long this late payment report will stay on my credit report can not give me and clear answer yet. It was {$80.00} was late payment on my {$500.00} secure card bock in 2019 XXXX due to this my credit report indicates late payments. During opening the account at the WF branch had never explain that clearly in this matter.

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 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
tranunion credit reporting agency continue to place invalid reports of my credit on my credit report that does not belong to me at all.

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 2023-01-23
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I attempted to purchase sporting event tickets online through my financial institutions ( BOA ) XXXX XXXX however after I sent the money the person never sent the tickets. I contacted my financial institution and XXXX within an hour of the transfer to cancel the transaction however they said that there was nothing that they can do other than open an investigation and the chances of recovering my funds were extremely slim. I believe that since I contacted them within an hour of the transaction they should of been able to do a chargeback however they claim that was not possible and the transaction was essentially final and I had no recourse.

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 2022-04-08
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked for debt validation on XX/XX/22 as I've never received anything from this company and on XX/XX/22 received a letter from XXXX fraud department. I just received notification from the credit reporting agency that a new collection was added to my report as now this company is reporting two times with two different dates. I called and ask them to verify and was told by XXXX that I could not request this over the phone and he hung up. They are in volitions of my credit rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We entered into a mortgage with Loan Depot for our home. We own 3 parcels of land. 
Our Home is on XXXX XXXX XXXX XXXX. XXXX XXXX is where our Apartment Building is and is separate from our home. Loan Depot included all three parcels on our loan description ' The apartment has a different address than our home and Loan Depot mistakenly included all three parcels on our mortgage dated XX/XX/2021. We have applied for a loan from a different institution for our apartment building and can't get a loan closed because of the mistaken description. XXXX XXXX has tried to correct this problem with Loan Depot, and they have not released parcel 1. We are in limbo, with nothing being done by Loan Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting 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 recently downloaded my credit report on XX/XX/2023 to check my credit report and recognize that I had inaccurate information of hard inquires on my credit report which are unauthorize and I sent out the letters to the credit bureaus and they have failed to their part of removing that inaccurate information on my credit report can you please check it out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been hit by XXXX hardships. I have managed to maintain my payments. I got a minor " covid relief '' payment reduction breifly in XXXX  from them. I then entered a credit payment program with XXXX XXXX XXXX for other cards I had. I tried to enroll this account as well and was denied. They stated that I couldn't enroll in another program because I had already received help from them, which had already ended. I was told I had to wait 1 year from the time that their relief program ended to enroll in another program. Over a year had passed and someone at the company told me it had been over a year and I should try again. I tried again and was denied. I also tried to have my XXXX lowered and was denied. When I spoke to a supervisor about it they told me I still couldn't enroll the account in my debt program with my XXXX XXXX XXXX program because of the very short, and limited help I received from them for " covid relief '' and that they couldn't tell me when the account would be eligible again. All I am trying to do is pay them back. I have no job and haven't worked for over 3 years. I was on unemployment and then XXXX. Now I have no income at all. I need help and they are taking advantage of me using a loophole to deny me the help I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
EXTREMELY URGENT MATTERS!!! 
LOAN # XXXX On XX/XX/2023 I have submitted all the documents requested by Wells Fargo Bank although I have submitted the same form recently. 
I work very late long hours as a XXXX XXXX. I bravely drive throughout the dangerous storms. It is exhausting but I have to just to earn income. I must care for my XXXX daughter and XXXX  daughter. Time is always never enough. I need help. 
Feels like giant Wells Fargo Bank is discriminating and retaliating against me being a minority XXXX female who filed a Federal Complaint. 
All I am simply asking from Wells Fargo Bank is to modify the monthly mortgage to be reasonably affordable to around {$2100.00}. Looking forward to your kind assistance. 
Thank you for supporting women and women 's civil rights.

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 2023-01-09
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/XXXX Company Responsed, and stated that On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( Consumer ) received services from the Provider. The total charged for the services was {$7400.00}. Prior to the services being performed, the Consumer signed a financial responsibility agreement. On XX/XX/XXXX the Provider assigned the Consumers account to Capital Resource Management , Inc. ( Company ) for non-payment of the balance due. The Provider also advised that the Consumers insurance company issued a payment directly to the Consumer for the services provided and the Consumer did not forward the payment to the Provider. On XX/XX/XXXX the Company sent a collection letter by U.S. Mail to the Consumers address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX the Company furnished the Consumers account information to XXXX XXXX. On XX/XX/XXXX the Company sent a second collection letter by U.S. Mail to the Consumers address. At no time prior to the receipt of this CFPB complaint did the Company receive any contact from the Consumer. Upon receipt of this CFPB complaint the Company contacted the Provider and verified that the debt information is accurate. A copy of the Consumers billing and financial agreement has been sent by U.S. Mail to the Consumers address. The amount owed {$7400.00} is incorrect. 

The original bill that is attached stating the amount was {$420.00}. 
Yes, the payment was mailed to me and deposited. However, a personal check was mailed directly to the office. Now assuming they never received the check by mail or it was never deposit into their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit card was stolen from XXXX  and the Citibank MC people are investigating and sent me a letter saying so. But when I call in and via emails thar are sent to me and CREDITORS who are calling me : My account is 'past due '. CITIBANK MUST freeze this account now! Why on earth am I getting late fees and my credit score is being harmed for 'over due account ' when my account was STOLEN from? I am certainly not going to pay off the thievery? What in the XXXX is wrong with Citibank? They need to correct this NOW and alert XXXX XXXX XXXX XXXX NOW!

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 2023-02-06
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was charged to me by XXXX. It was covered 100 % by my XXXX  XXXX. I turned it into my Benefits Rep at XXXX. He found that the Doctor coded the procedure wrong. I then called XXXX and they gave me the proper code that it needed to be changed to. So, I called the XXXX Doctor and told him the problem. Nothing got done on there end. I repeated this back and forth with XXXX and XXXX for about 8 months. Finally after hours of phone calls, my Benefits Rep stepped in and made the calls. He was told that it was resolved and now years later it is not again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-12-08
Company: U.S. BANCORP
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every time I try to make a large payment on my card ( {$1000.00} ) The payment never goes through. It takes about a week for me to get an email stating the payment was declined. On XX/XX/XXXX I made a payment and on XX/XX/XXXX received an email from US Bank stating that the payment was posted and then a week later received an email stating it didn't go through. Same exact situation on XX/XX/XXXX, made payment and XX/XX/XXXX was sent email stating it was posted and a payment reversal was done on XX/XX/XXXX with no notification ( this doesn't seem to be an option ) and I received an email that my payment is past due on XX/XX/XXXX. Again, happened on XXXX, posted XXXX payment was reversed on XXXX and I was notified on XXXX that my payment was past due. Happened in XXXX & XXXX after I realized I was not getting notified my payment was even due. They charge absurd amounts of money for all of these issues and this is 0 % interest until XXXX Well, so they say.

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 2021-09-22
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a first time home owner and I purchased my home in XXXX of XXXX. At my closing, I was told to put away a certain amount of money for escrow as there might be a shortage. I did as instructed and fast forward to XX/XX/XXXX, I get a tax bill that higher than expected, based on the discussion that took place at the closing table. The bill was sent to my mortgage company and they paid it. To recoup their funds, they built the amount into my house note, which increased my house note by a little over $ XXXX/mthly. I was offered a modification as a way to assisting me by reducing my mortgage and allowing me to put away the additional funds for my upcoming tax bill. The trial period for this arrangement was for four months. Once I completed it, my interest rate was to be reduced from 5.125 % to 3.25 %. I have since completed the trial with on time payments and received my paperwork for me to agree to the loan 's new XXXX XXXX XXXX XXXX XXXX During the evaluation, I start receiving letters from a few of my credit card holders that they are either reducing my limits or closing my accounts due to non-payment of real estate. This is not accurate and upon speaking with Gateway Mortgage, they tell me that they won't report my house payments until I restart the process. They want me to do a new appeal because the date of my signature and the date of the notary are two different dates. In the mean time, my credit has received adverse actions from four of my creditors. Three of them have reduced my credit limits and one has closed my account all together. This is unjust and inaccurate and I would like for this company to be investigated for their unethical practices.

Company response to consumer: Closed with monetary relief