BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
OnXX/XX/XXXX I attempted to use my Debit card associated with my Business Checking account under my Business account with Prosperity Bank, TX and was denied, I know there was cash in that account because online banking said it was there. I also attempted to use the card again to purchase gasoline to see if the 1st vendor 's machine had a problem but was denied again. On XX/XX/XXXX, I called my bank officer who found out that their credit card vendor said I had not used the card in 45 days and it was closed for non-use which is a lie since I used the card on XX/XX/XXXX and again on XX/XX/XXXX with no problems. She can not fix this corporate problem so I called for XXXX XXXX XXXX, XXXX of Prosperity Bank and was told he was in a Loan Committee meeting and XXXX, his secretary, would pass the message along have him return my call which he has not done to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am XXXX years old and have always paid my bills on time. They never sent me anything about what I owed and this is hurting my credit. 

I have resided at my home for years and have always paid my bills on time. 

Please take this off of my credit. Thank you!

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 2018-08-06
Company: Experian Information Solutions 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 status incorrect

Complaint:
This is the 5th time I've tried to fix the status of my Car Loan Account. Even though, credit reporting agencies asked XXXX XXXX XXXX XXXX to validate information and XXXX XXXX XXXX XXXX stated it was correct, when delinquencies weren't. 
I finally received a letter from them saying my account will be updated within 15 days from all credit reporting agencies. Please, I lost 75 points the first time the late payment occurred. I would like to get my 75 points back since my account finally had been brought back to current due to a misunderstanding. 

Attached letter from 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 2021-04-08
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I paid XX/XX/XXXX in full for a vacation XX/XX/2020, for a trip in XX/XX/2020. They closed due the pandemic and did not refund any money. I disputed it with the bank and was refused a refund.

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 2019-05-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bloomingdales signed me up for their American Express card without my consent. When I called to tell them I had never signed up for the card ( assuming it was fraud ) they informed me that they had sent me a letter informing me that I would need to opt out of being signed up and that since I hadnt replied they took it as positive confirmation I wanted the card. I never received that letter ( or maybe it just looked like junk mail ) but regardless how is it possible that I would need to opt out of signing up for a credit card? Sounds like they have ex-XXXX XXXX employees running things over there.

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 2021-06-09
Company: EQUIFAX, 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:
On XXXX 2021, my credit was affected by XXXX XXXX XXXX and Equifax. 


Equifax mixed credit files with a person similar to my name and they refuse to fix it. 

Upon further review, XXXX XXXX XXXX placed inaccurate/unverified collection for {$660.00}. 

I sent a debt validation letter and XXXX XXXX XXXX sent me a printed bill, without my social security or wet ink signature. 

Furthermore the address is unknown to me, as this is not my address. 

According to the FCRA FAIR CREDIT REPORTING ACT this bill does not constitute proper validation. 

I want XXXX XXXX XXXX to delete this inaccurate information from my credit reports XXXX XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TD BANK US HOLDING COMPANY
State: OR
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 had paid off my Nordstrom credit card. It was at a balance of {$360.00}. I'm trying to get my credit score up to get a car as soon as possible so I asked if they could update my information to " paid off '' I did that through XXXX  and they said my information is inaccurate and it stays the as it is. So I sent in documentation that showed that I did and they still refused to change and of course they sided with Nordstrom. Always quick to put negative things on your report but when it comes to positive things it's seems to be very difficult. So with that being said I didn't expect an update so quick but when I ask multiple times and they refused and said that what I'm saying is inaccurate is another thing. So Nordstrom is telling me I'm a liar and XXXX  doesn't even take the time to investigate just goes off by what they say. I don't think what I was asking for was out of line

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I believed I was purchasing 10 APC units from someone online for us to resell. I was sent an invoice with a payment link for a total of {$3300.00} through XXXX XXXX. The transaction had an issue going through. I called XXXX XXXX  and representative advised me to cancel the payment request that came from the vendor and send two payments myself from ( One for {$2500.00} and one for {$850.00} ). Upon doing that, the transaction went through. I felt confident because XXXX XXXX  seems like a secure way to pay and I was using my Chase business Visa Debit Card, so that I thought I was protected one way or another. 

After the payment was made, I stopped hearing from the seller and could not get in touch with him. Calls to both Chase and XXXX XXXX  have resulted in nothing. From what they tell me, it's like I sent cash to someone over the internet. I can't understand how this makes sense. XXXX XXXX  should have policies and procedures in which people receiving money ( at least larger sums ) should take a while to get verified to ensure scammers just aren't out to get people. XXXX has very good policies in regards to that. 

Both Chase and XXXX XXXX  have only been able to say sorry, but we can't do anything. It has been an extremely difficult hit to our small business and have been left wondering if XXXX XXXX  should even be allowed to operate in an industry with little checks and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I noticed that my student loans was not XXXX balanced on my credit report and they should be. I am going to attach the form that shows I owe nothing on my loans. I need the information corrected with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Heritage Financial Group, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We know that we have fallen behind on some payments but the company has told us if we show proof to why we are behind they can do a two for one payment or pay such amount that it will catch us up. But in reality we now owe more than the worth of the car. We got the car XX/XX/2016 for XXXX now they are saying we owe over XXXX for the car. We have provided documentation Everytime they have asked for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied to Chase for a credit card. None of their materials disclosed that they would deny credit if I had applied for XXXX or more cards within the prior XXXX months. I was denied credit which lowered my credit score. Had I known the policy I would not have applied. I complained to Chase who explained that multiple card applications presented a risk. They claimed they would not know how the other credit was used. Most of the cards ARE WITH CHASE so they know exactly how the cards were used. They also access credit reports that show how those other cards were used. So their explanation is both false and deceptive, as is is their refusal to disclose the policy in their solicitation materials. I want them to ACCURATELY disclose to all and to be sanctioned for their arrogant UDAAP practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: PNC Bank N.A.
State: IN
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:
In late spring XX/XX/XXXX I got behind on my car payments with my PNC acct # XXXX because I had taken FMLA to take care of my terminally ill mother. PNC bank put my car up for repossession. I contacted PNC and spoke with someone named " XXXX '' ( phone number XXXX ) around theXX/XX/XXXX and came to an agreement to catch up on my payments and continue my regular $ XXXX   monthly payment on the XX/XX/XXXX of each month which would be deducted from my checking account automatically. Below is a list of the transactions with amounts/dates of these automatic payments which were made directly from my checking account to PNC bank. 

Details Posting Date Description Amount Type CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID In the past couple of months I began monitoring my credit reports trying to rebuild my credit and noticed that PNC bank was reporting this auto loan as charged off to bad debt, even though I've technically made every payment, but not always on time. I contacted PNC to try to discuss this and they told me they can't speak to credit reports. On XX/XX/XXXX, I traded this vehicle in on a new vehicle and the finance manager told me PNC is falsely reporting my auto loan with them as late payments every month and has my debt written off as bad debt and if I hadn't been able to prove this was not the case, I would not have qualified for a new auto loan. I tried to call PNC again to discuss this while at the dealership and again they told me they don't discuss credit if I had an issue to go directly to the www.ftc.gov website. This car has now been traded in and the account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is not removing old addresses.

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 2017-02-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian placed back a Tax Lien which is not mine and was previously deleted as fraudulent. It 's associated with a fraudulent address in XXXX CA. This lien is 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
Consumer complaint received 2018-08-06
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Being garnised. Called and informed them that I was XXXX of household. Was told that didn't matter. Also called when I had tje funds to rectify the debt and was told that I couldn't do that. Also called to asked how much is still due. Was told that they do not have to give me that information because Loan was defaulted. Also XXXX XXXX was also used to pay tuition. Also had to pay an additional XXXX dollars extra and still don't know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 challenged an inaccurate account status on my Trans Union report, and they did not perform a fair investigation. 

On XX/XX/2018, I challenged a report that an account with XXXX XXXX ( for XXXX XXXX ) in the Amount of {$110.00} was not paid. Ten days later, on XX/XX/2018, Trans Union closed my challenge, claiming that they had verified the information with the credit company. 

I can verify that I paid the XXXX XXXX bill in XXXX, and that the reported information is inaccurate. I do not believe that Trans Union performed any investigation whatsoever.

The Trans Union file number is 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 2020-08-28
Company: STERLING JEWELERS, 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: Account information incorrect

Complaint:
Filled bankruptcy last year. Credit card should not show that it is a charge off or late payment status anymore on my credit report. It was removed off all other credit reports except for XXXX. Please update payment status or remove off credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a dispute on the grounds of Identity fraud to the address listed under this credit reporting agency 's website via mail, yet after 30 days I have received no response or resolution to a documented crime.

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 2016-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX bank, acct. # XXXX has been reporting inaccurately for over 5 years. 
For an Experian attorney, I 'm making a record here. With XXXX Experian was provided all account statements provided by XXXX XXXX records along with current law, ( FCRA, FDCPA,2009 Credit Card Act, Regulation Z TIL ) will with the following specific supported facts of my claim prove to Experian et al , that the account reporting can not be reported for one more day. 
The report is uncorrectable as the balance, status and all things reported are affected by illegal excessive fees and outright illegal fees period.I paid XXXX dollars to open a XXXX dollar credit line that could not exceed XXXX dollars.I was assessed late fees of XXXX dollars that legally could not exceed XXXX dollars.I paid an illegal internet access fee to pay the first fee payment, that is prohibited The late fees were assessed on XXXX/XXXX/11 and XXXX paid the illegal " pay-me '' internet fee on XXXX paid XXXX dollars in XXXX separate payments prior to XXXX/XXXX/11. 
Experian is reporting an account that is inaccurate for the fraudulent illegal charges of the creditor/furnisher, XXXX OF XXXX XXXX, SD. 
Now, as of this moment, Experian is KNOWINGLY and WILLFULLY reporting damaging information that is illegal for Experian to report for XXXX more day, regardless of any comment, e-oscar update, anything supplied by the furnisher.I suggest if Experian ca n't afford a lawyer they can call the CFPB AND FEDERAL RESERVE toll free at no expense and confirm what I have said.Any competent laymen employee could get this done. 
I will seek judicial redress at some point and this is a record of my attempt to mitigate my damages.

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 2015-04-20
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For 5 years Experian has refused to allow me my annual credit report by any method including online or by phone. They notify me of changes to my credit file ( for instance I recently moved ), however when I call the provided number to get an updated report they say they can not provide me with XXXX with the information I have provided. For 5 years I 've been told this ... & I can not come to resolution with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: 21ST MORTGAGE CORP.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I signed a contract with 21St Mortgage Corporation on XXXX XXXX, for a Mortgage loan of {$63000.00}, at 7.25 % of interest rate, and to be paid in XXXX monthly installments. I paid off this mortgage on XXXX/XXXX/XXXX. After checking my payments I noticed that the interest I have being paying is 8.02, a difference of 0.77 %. I called 21St Century on XXXX/XXXX/XXXX, and they told me that the interest I have being charged is OK., everything is under the contract, and not refund should be done. I know that 's not right, and that a refund must be done to my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was told today when I asked for a credit limit increase that there are XXXX payments to a car loan that I 'm a cosigner on that we 're over 30 days late and on my credit report/score as late payments. I was never notified that there were late payments on this loan through XXXX. I contacted them today about it and they were unable to explain why I was never notified of these payments being late and therefore I was never able to take care of it. This information on my credit report of late payments is false as I was never notified and therefore unable to rectify it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I never applied for credit at XXXX XXXX XXXX XXXX. I am seeing an inquiry on my credit report as well got some deny letter on XX/XX/2018. I called Immediately and spoke to XXXX XXXX from XXXX XXXX XXXX XXXX. He advised that he would have it removed. 
As of today I still see the inquiry on my credit report. I need this off asap.

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 2018-08-06
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am receiving calls from NAVIENT that are harassing and occur nearly every hour of the day. I must state that I have never had nor do I now have a student loan of any type in my entire life. That statement holds true for my wife as well. This ror-call will not allow me the option of talking to a representative to try and settle this harassment issue as they assume they have the right person merely by virtue of their call. This harassment has disrupted my family time, taken up space on my voice mail, and the number given XXXX will not allow me to proceed to a conversation with a live person. Again, I do ot possess a student loan. I have never even applied for a student loan. I want the phone calls to cease and desist immediately. I believe that this is a case of mistaken identity created by the shoddy investigative practices of a less than credible agency.

Company response to consumer: Closed with explanation