BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX/XXXX XXXX evidently turned over an unknown account to a collection company called Convergent. I have not received any correspondence from this company or phone calls. I work for a small company as in order to purchase office supplies, etc., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for Convergent could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.

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 2019-09-02
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Cashapp account was closed, according to an email received from a rep recently, I believe on XX/XX/XXXX. The current balance is {$25.00}, there are two pending funds transfers totaling {$74.00} which should post by XX/XX/XXXX. Once posted, the balance should come to {$100.00}. I am unable to link an external account to transfer remaining funds to, I requested a check via secure message as well as email, no reply received to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, I am looking at my XXXX XXXX and it says I have a hard pull from XXXX made on XX/XX/2019. From looking through my credits i got a card with them on XX/XX/XXXX but not an additional one on XX/XX/XXXX. Unsure as to why this information is on my report. I am asking for the XX/XX/2019 hard pull be removed as I never signed anything with that bank for them to run my credit file again. It is appearing on my EQUIFAX report. I just want all, my credits to appear accurate and hopefully this can resolved I understand mistakes happen and just looking to fix my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, I arrived at a Banana Republic store to do some shopping. I hold a Banana Republic store credit card administered by Synchrony Bank. However, I realized at the check out counter that I had left this card at home. So began a series of unfortunate events. The Banana Republic representative checking me out tried to access my account by prompting me for my social security number, without success. When that didn't work, I worried the issue was that I had not yet activated the new card that had been sent in the mail some weeks prior. The Banana Republic representative thought it likely that this was the problem and offered reactivating my account as the best resolution. The reactivation process strongly resembled the process for opening a new account, so on several occasions I verified with the representative that the process would *not* open a new account. I also explicitly verified with the representative that this process would not result in a hard credit inquiry. However, the representative was wrong on both accounts. When I returned home I received an email from XXXX XXXX alerting me to a new inquiry against my credit and, upon logging into my online Synchrony Bank account, I found that a new Banana Republic credit card account had been opened. I promptly closed the new account and called Synchrony Bank to request that the inquiry be removed from my credit report. On XX/XX/2019 I received the attached letter from Synchrony Bank denying my request. 

It seems unreasonable to expect a consumer, faced with a company representative that says one thing and a company document that says another, to be responsible for discerning which source is correct. I hope that Banana Republic and Synchrony Bank will recognize their responsibility to resolve this conflict by removing the hard inquiry against my credit.

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 2018-08-28
Company: Innovis
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: Personal information incorrect

Complaint:
Innovis Credit Bureau has 5 mistakes listed on my credit report in the OTHER CONSUMER INFORMATION section of the report. 

They are as follows : 1 ) My name is spelled wrong. It is not XXXX XXXX. I have never gone by that name legally. 2 ) My current address is not listed. I have lived here for over 2 years. 3 ) The last XXXX digits of my XXXX are incorrect. They are not XXXX. 4 ) My birth date is missing. 5 ) My telephone number listed is wrong. It is not XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was on XXXX making a purchase and thought I was putting my personal debit card info in and when I hit confirm it said give us a few seconds to see if u qualify, and at that moment I thought sonething just wasnt right then I got a notification from XXXX XXXX saying I had a hard inquiry on XX/XX/2019.

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid in full my collection to XXXX XXXX for a total of {$160.00} on XXXX XXXX, 2020. It was still showing delinquent on my TransUnion credit report, so I disputed it. They said it was not removed and the balance had only changed. This account was paid in full and should be removed from my credit.

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 2019-05-23
Company: Experian Information Solutions Inc.
State: NJ
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 went to the car dealership on yesterday and they denied me. I really thought they were just hassling me around so I went to my bank to apply for a car loan and they denied me as well. I pulled a copy of my credit and there are some items on there thats not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX and 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 2019-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your help and notify multiple violations to the FCRA. My name is XXXX XXXX ; my SSN XXXX, DOB : XXXX. My rights as a consumer are not being respected. I have an account with XXXX XXXX XXXX XXXX, account XXX, opened : XX/XX/XXXX Limit : {$22000.00}. This company is committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Bank of Americas website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXX, Date opened XX/XX/XXXX Limit {$2300.00} ) is current without a single late. This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. 

They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

This is affecting me in a huge way, mentally and physically. I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from Bank of America as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Bank of Americas records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.

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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These items are not mine and are having a negative effect on my credit file and I would like them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Credit Bureau of Carbon County
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: Account status incorrect

Complaint:
Collection Cente Inc -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i am a single father of XXXX. i tried to purchase a home and was denied because of credit. when i seen my own credit there were several accounts that was not authorized by me.

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 2018-06-19
Company: EQUIFAX, INC.
State: NM
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:
on XXXX I received a promo email from XXXX XXXX so on XXXX I called XXXX to inquire about deals they had for me as a long time XXXX XXXX XXXX customer. The lady verbally stated offers that conflicted from what their website showed. I told her it sounded like a scam. she asked for my SS # to run a credit check. I told her I would not allow her to run a credit check and was only inquiring about what deals they had. She asked for my drivers license #, once again I told her I would not allow her to run a credit check and there should be no need anyway if she was indeed XXXX XXXX because I was a long time XXXX XXXX XXXX customer. I finally hung up on her. I called XXXX XXXX XXXX on XXXX to inform them of my bad experience with her telling me about deals that could not be confirmed on the website. He apologized on her behalf. on XXXX at XXXX XXXX I got an email from XXXX XXXX saying XXXX XXXX had ran a hard inquire on me. XXXX XXXX at XXXX XXXX I received a call from XXXX saying she was at XXXX XXXX call center in Texas and was scheduling an install.I explained to her the phone conversation ion Saturday as well as the hard inquiry. she said she would have the inquire removed but needed an email for me for the credit reporting agencies. She then said she could not take my email because it was too long ( XXXX ). I called XXXX XXXX XXXX XXXX and spoke to XXXX. He was not helpful and kept saying I had ordered services. I asked for a floor manager, he put XXXX on the phone XXXX who was not much help either and said I should put a freeze on my credit. he did finally agree to call me by the end of today to tell me if the two ladies I spoke with here their employees. he would and could do nothing more for me except sell me XXXX XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX I entered into a payoff agreement through XXXX XXXX XXXX to pay off my debt to USAA. Part of the agreement was to change the due date to the XXXX. USAA has not done this and is charging me late fees. They are also taking the payments from XXXX and applying them to my past due amount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The creditor and its servicer previously stated in their response to CFPB complaint # XXXX and XXXX, following the payments, I would need to contact us to agree to the terms and conditions of the forbearance, to process the forbearance. I called Navient multiple times to complete the forbearance. 

Since XX/XX/2018, I have been calling Navient to request for forbearance, Navient reads the forbearance T & C over the phone and told me that Navient no longer accept non-US credit card/debit card, for the payment of $ XXXX. 

In XXXX, I sent {$50.00} via domestic bank-to-bank transfer and called Navient. Navient read the forbearance T & C over the phone for me and still did not process the forbearance. I called again and get re-routed and re-routed to robotic assistance. After repeated attempts to complete the forbearance, I was transfered to the message inbox of Navient 's Office of Consumer Advocate. It appeared that the blockage is due to : : : : : : : " XXXX '' XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX. XXXX, x XXXX ... .... Navient 's Office of Consumer Advocate deliberately blocked my forbearance request ... .. The forbearance is supposed to be renewed every 3 months. Then I sent another payment for {$100.00} on XX/XX/2018, domestic bank-to-bank transfer ( confirmation # : XXXX ). I called again and get re-routed to robotic assitant and the message inbox of Navient 's Office of Consumer Advocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
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:
On XX/XX/2018, XXXX alerted me that ONEMAIN had requested access to my consumer credit report. I had no knowledge or did I give my consent for ONEMAIN to review my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Direct Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received a recorded message call saying " This is a confidential call for XXXX XXXX if you are not XXXX XXXX hang up ''. Well I am XXXX XXXX so I stay on the line and it tells me I owe {$650.00} with several different payment plans and a zip code. 
The only problem is I owe no one. My credit score is over 800 and I don't live in that zip code. I think this is a scam but am not sure so I am reporting it to as many departments as I can, like the no call list. I know that collectors can call debtors but since I am not he debtor that puts them in violation. This is not the first so called company to call me. I have been called a liar and several other names trying to get my phone off different list which is why I am not calling them. I have them asking me my SS number which only makes it sound more like a scam would you give your SS number out to some stranger that calls you on the phone?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Navient Solutions, LLC.
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:
I have been making monthly payments above the minimal payment due since XX/XX/2006, but my balance has barely changed in quite some time. I have recently requested a complete payment history from Navient so I might begin my own investigation, but I am almost certain that my balance should be well below what it is at this time. 
The balance was @ {$22000.00} to start and remains at @ {$19000.00} now, which seems high after 12 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
There is a block or something by Capital One 360 that is not allowing me to enter my Capital One login information or access code that I 've generated through them to verify my account through external applications and I did not request this block and want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: TN
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:
2 accounts on my credit are more than 10 years old ... .i have filed 3 disputes with equifax and they have done nothing ... .disputes were wrapped up quickly leading me to believe that they didnt even contact the credit union ... timeline is way to short for them to have investigated this ... ... accounts ( charge offs ) shouldnt be on credit after 7 years and at the most 10 years ... both of these accounts are 10 years old and i have requested 3 times that they be removed ... ... .both to XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation