BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: BB&T CORPORATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Tried to pay off loan with a wire transfer from my bank. First time nothing happened. Received another statement so I called there Express 24 line. They said my bank number was wrong. Rechecked routing and bank account number and got another conformation number and was told it would take five to ten day. Checking my account every day and nothing so far. All this happened between XX/XX/19 and XX/XX/19. The payoff amount between these dates increased due to interest. XX/XX/19 payoff was XXXX on XX/XX/19 was 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 2019-05-17
Company: EQUIFAX, INC.
State: MS
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:
To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from XXXX XXXX. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of XXXX XXXX should reflect the true status of the account with XXXX XXXX. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with XXXX XXXX shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, XXXX XXXX and your credit reporting agency did not thoroughly investigate my dispute. Because of this both XXXX XXXX and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all XXXX XXXX accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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 belongs to someone else

Complaint:
Ive noticed that after I dispute some information the Credit Reporting Agency ( XXXX, XXXX, Experian ) like to leave comments on each account. 

I have asked them in multiple letters to remove ALL comments from each account, especially the words, Dispute Resolved - Consumer Disagrees or Consumer disputes after resolution and Comments that include the payment history??? Why is this even necessary, these comments are intentional AND detrimental to me personally, financially, and to me advancing my career. 


I have NEVER asked that these statements be made on my behalf. These statements/comments should be erased immediately.

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 2019-05-17
Company: Experian Information Solutions Inc.
State: OH
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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently XXXX XXXX please remove XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :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 2019-01-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX i called XXXX about my account ... a School loan debt forbearance. In late XX/XX/XXXX/early XX/XX/XXXX, i submitted a loan debt forbearance form ( but with the input of wrong dates ). I did get info that my request was pending on my XX/XX/XXXX request. I called on XX/XX/XXXX and the representative said the form submitted on XX/XX/XXXX was deleted because it was a duplicate request ; it was not a duplicate request. It was request with different dates and a different form. 

The representative sent an inquiry to the claims processors for adjustment and stated i would hear from them in 3-5 business days. Its been longer than 7 business days. Ive sent in 2 online inquiries since and have not received any feedback about my conflict.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
We were at the end of the loan on a XXXX XXXX when it was in an accident. The person that hit the car did not have insurance and we had purchased GAP insurance with the company. We have been still making payments on time and trying to work through the GAP insurance policy when Ally sends a letter saying that we have not made payments and the car was going to be charge off and it would go on our credit report. 
We called GAP and they said they needed payment history and a running balance with the payment history so they could make a payment to ALLY. 
Ally has only sent them the payment history and not the running balance, they claimed they don't do that. 
We have made payments on time for the length of the loan and are still making payments on the car, all while they are demanding payment in full before they send it to our credit report. 

Never in the history of banking have I heard of a bank charging off an account while still receiving payment and they know that GAP insurance is still being worked through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One Credit Card charged me an extra {$73.00} despite the fact that I paid all the balance on credit card bill in full before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: American Credit Acceptance, LLC
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: Account information incorrect

Complaint:
I have been trying to get this company to report each month to the credit agency 's our monthly payments and correct balance for almost a year now. I have been monitoring my husband and I credit report every month and to no avail American Credit Acceptance will not report every month like they should. Which is causing every month for my debt to income with my car loan not to decrease every month. I received my credit report from XXXX  today and the last time this company reported was XX/XX/19. Today is XX/XX/19, and they have not reported my XXXX payment. I was told three months ago when I spoke with a rep that they knew of the problem and would fix it, but the problem still exist on my husbands and I credit reports. My husband and I could not be the only consumers having this problem. I pay them every month, they need to report to the credit agency 's every month. If they didn't get their payment I bet they would 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 2021-11-08
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a high negative impact on my credit score from Barclays for {$120.00}. I was taken back by this because I have logged in multiple time over the last year and few months to make sure I do not have a balance as I have not been using my credit cards much in order to improve my overall credit score. Each time I log in I have a {$0.00} balance and I have not received any statement.

I called Barclays today to report this and they let me know my card number changed and I was unaware of this. I do not have the new card, never requested a new card or card number. Due to this my account with Barclays has been false since this new card number was not updated in my account. The fees I have no issue paying. I just put the payment in today now that I know. I called Barclays to hopefully make this right and take the negative report off and they are unwilling. They told me I would need to call the credit bureau to file a dispute. I did that as well today with a XXXX however I am concerned that this will not be enough and Im worried that maybe I should stop using Barclays all together since I have not received a statement in regards to this and they have not reached out to inform me of any changes and unwilling to help me over the phone.

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 2019-05-17
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found this unrecognized account CHOICE RECOVERY INC # XXXX*Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The company Checkr and the company XXXX XXXX are reporting information that is older the 7 years. Its complicating my ability to obtain work. I reach out to both companies and they wont correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi : This is XXXX XXXX, XXXX again. I got a call from EOS in California. Phone number : ( XXXX ) XXXX. They say they are collecting for a XXXX debt. As I said before XXXX told me I have no outstanding debt with them. Another company in Indiana said they same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our home loan on XX/XX/2021. We have not as of XX/XX/2021 received our escrow funds which are approximately XXXX We contacted company and they said, " check was mailed '', we never received it. We have a locked mailbox and have had not issues with receiving other mail. We started attempting to get this resolved in XXXX and have had a series of calls, maybe 4 or 5 at this point, where we have been informed they have to stop payment on check, ok... makes sense, and they need several more months to issue a new check... .really? 
Fact,1 ) Select Portfolio Servicing has sent us a letter confirming our loan, account number XXXX has been paid in full. 
Fact 2 ) SPS agrees they owe us the funds from our escrow account Fact 3 ) We have not been paid the funds Fact 4 ) .SPS is located in XXXX XXXX XXXX Utah Any assistance is greatly appreciated. 

Regards, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: OH
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 sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX # XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.

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 2019-05-17
Company: Experian Information Solutions 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've submitted several disputes to Experian regarding the inaccurate reporting of a bankruptcy to no avail. Experian states it receives it's public record information from XXXX XXXX XXXX however Experian 's bankruptcy reporting on my credit file is not consistent with XXXX. The attached XXXX XXXX Report has " No Records Found '' listed in my Bankruptcy   portion of my report. Please refer to page 11 of my XXXX 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 2017-06-13
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received fees on an account that I do n't use often. I was n't aware of the overdraft fees and as a result, I was charged an initial overdraft fee for the charges and then a {$7.00} fee everyday after that. The initial charge that caused the overdraft {$35.00}, but my balance with all the fees is {$230.00}. I have spoken to the bank and stated I would pay the initial charge as well as the overdraft fee and was told they were n't able to. I was also informed that if I did n't pay the fees, they would charge off the account and it would affect my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your  reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently SELF Employed please remove XXXXXXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX I never work for these companies. 
XXXX XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove 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 explanation
Consumer complaint received 2021-11-08
Company: CITIBANK, N.A.
State: FL
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:
Applied for a Citi DoubleCash card on XX/XX/2021. After making my application Citi made two hard credit checks using two slightly different names ( CITI CARDS CBNA and CITICARDS CBNA ). The second check occurred almost immediately after the first and was not authorized. 

After calling Citi the supervising agent said he was unable to resolve this although he confirmed the second hard check was clearly in error.

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 2019-05-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, I, XXXX XXXX XXXX contact my bank to confirm that the Treasurer of Virginia on behalf of Virginia Department of Health Professions was certified funds in the amount of {$300.00} for the reinstatement of my XXXX XXXX license and receipt of such confirms that Wells Fargo Bank, N.A. is also the the banking institution for the Virginia Department of Health Professions ; like most Commonwealth of Virginia agencies. The Commonwealth of Virginia/Department of Health Professions/Board of XXXX has been taking up action against XXXX XXXX XXXX on behalf of Wells Fargo Bank, N.A. with the most recent evidence being this check and secondary evidence being an unlawful detainment of XXXX XXXX XXXX in XXXX facilities and taking action against XXXX XXXX XXXX as it relates to the unlawful detainment and/or involuntary detentions ; dating back t XX/XX/XXXX to the present. A third of the fees utilized to pay these fees to the Virginia Department of Health Professions was from a portion of the misappropriated fees in a property inspection case by Wells Fargo. The only requirement was that the check or money order be made out to the Treasurer of Virginia.

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