BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-11
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SunTrust Bank bought my mortgage. I set up an online account and provided external payment information to have my mortgage payments made automatically each month. It has never happened in the four months since they bought my mortgage. 

I have tried on at least four separate occasions to determine why it isn't happening, without success. I can see my external payment information online and can see it is correct. I have been transferred to technical support personnel who can not tell me why this function isn't working. I haven't been offered any solutions. 

I have had to make one-time payments each month. My concern is I will forget to do this, my payment will be late, and I will be charged late fees and/or have my credit score impacted. They are 100 % unresponsive to my problem.

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 2020-11-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020- initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XX/XX/2020- Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been using PayPal for multiple years to transfer payouts from my XXXX sales into my bank account. I also use PayPal to invoice people for sneaker deals. I sell a variety of items on XXXX, from sneakers to video game consoles. Paypal has collected thousands of dollars in fees from my sales over the years, and I have been a very dedicated customer. Recently, PayPal stole {$3600.00} of my earnings without explanation. I would greatly appreciate your review of my account and prompt resolution. 

A timeline proceeds : 1. On Saturday, XX/XX/2020, Paypal notified me of an account access limitation. It stated I could no longer do business with PayPal but didn't provide a reason why. 
2. PayPal communicated they were holding my balance of {$3600.00} for 180 days. After 180 days ( which was XX/XX/2020 XXXX, Paypal would email me with directions on how to access the funds and deposit them into my bank account. 
3. I still have not received any emails or guidance on how to access my balance.

4. However, my account, as of XX/XX/XXXX, was updated to show a {$0.00} balance with a new transaction showing the money being transferred to Paypal. I didn't make this transfer.

5. My account balance of {$3600.00} seems to have been stolen by PayPal, and the memo attached below states that my balance was removed because of a " Violation of the PayPal XXXX. '' 6. I don't know what this means and I received no information on which part of the XXXX  I violated, nor how to access my money. I was also not informed that my money was taken by any form of communication. The robbery was silent. 

COVID-19 is taking a large toll on small business owners like myself, and PayPal stealing a significant portion of my revenue is not helpful. Please help me resolve this situation and return my money ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: GA
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 XXXXs sold this debt to XXXX XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX sold this debt to XXXX XXXX XXXX XXXX XXXX and one XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/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 2018-09-12
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX closed out my credit card with Walmart as I received a letter dated XX/XX/XXXX18 which I received on XX/XX/XXXX18 stating the account has been closed and the decision was based in part on a scoring system that was used to predict creditworthiness and it indicates scoring system and list, 5 characteristics where I did not score well. I have paid my credit card each month on the due date, with maybe one late payment and I also paid my account within the last 30 days to a zero balance. I have not had any contact from Walmart or XXXX XXXX   concerning this situation until now but when I paid my balance to XXXX  to show i am paying my account down and showing responsibility and also creating less debt for myself then they come up with there decision to close my credit card account. I have never experienced this before. XXXXXXXX XXXX and Walmart have very unfair practices. As a dedicated Walmart consumer i am very displeased with this practice.

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 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I spoke with someone in customer service department and they said the late payment could not be removed even if its been over 36 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection notice from Convergent trying to collect a debt of  XXXX . When I contacted them to find out what the debt was for I was told it was on a   XXXX   XXXX   for a purchase in  XXXX  at   XXXX   XXXX   XXXX  . I was told last payment was made  XX/XX/XXXX . Have never received any notices on this debt & have no idea about this charge. Ca n't believe they waited 12 years. Convergent received info from   XXXX   in  XXXX  & has just now sent out the notice to me. Have no documentation since I have no idea about this charge. I never received any notices to even dispute the charge.

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 2020-06-22
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: Account status incorrect

Complaint:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX XXXX not late XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2019-08-29
Company: BANK OF THE WEST
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was overdrawn {$5.00} and I was charged a {$35.00} fee for everyday the account remained overdrawn. It isnt outlined clearly thats fees are assessed daily and fees being charged for having fees doesnt seem right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Experian Information Solutions Inc.
State: MD
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 CANT GET A HOLD OF THEIR CUSTOMER SERVICE. THEIR WEBSITE REJECTS ME AND TELLS ME TO CALL THEIR PHONE NUMBER AND THEY DO NOT GIVE ME AN OPTION TO TALK TO AN ACTUAL HUMAN BEING. THERE ARE ONLY LIKE 4 OPTIONS AVAILABLE THROUGH THE PHONE AND IF MY PROBLEM IS NOT ONE OF THEM, THEY SAY " I'M SORRY PLEASE VISIT US ON OUR WEBSITE '' THEN I GO TO THE WEBSITE AND THEY SAY " I'M SORRY PLEASE CALL US ''. THIS IS RIDICULOUS I'VE BEEN TRYING FOR DAYS TO TRY TO TALK TO THEM FOR HAVING THE WRONG SOCIAL SECURITY NUMBER THAT'S PROHIBITING ME FROM GETTING MY STUDENT LOAN WHICH IS INTEGRAL TO 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 2021-10-08
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 sent dispute requests to remove incorrect addresses and to also dispute the negative accounts on my XXXX, Transunion, and XXXX reports on XX/XX/XXXX and XX/XX/XXXX via mail. I have not received any mail or correspondence that a dispute or investigation has taken place. I thought that when you do not hear anything from the credit bureaus in 30 days that is automatic grounds for deletion of the requested dispute accounts due to not validating within 30 days. Please look into this and process this dispute as applicable. If it is my understanding that the disputed accounts will be deleted, I expect this filed complaint to be completed in that manor.

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 2020-09-01
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CITIBANK, N.A.
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:
There are 70 pages on this attached scan : Pages 1-16 from XX/XX/XXXXI showed citbank how XXXX XXXX XXXX   illegally increased my move after beginning to load my property per 49 CFR 375.401.

Pages 17-20 XX/XX/XXXX was a reply from me to citibank with receipts they asked for.

Pages 21-24 Was me sharing 12 news stories about XXXX XXXX XXXX  onXX/XX/XXXX.

Pages 22-34 from XX/XX/XXXX Was me again explaining to citibank how XXXX XXXX XXXX   illegally increased my move after loading began.

Pages 35-69 from XX/XX/XXXX was me providing citibank with the indictment info about XXXX XXXX, who is the employee of XXXX XXXX XXXX that signed the contract ( yousee it twice in this scan ) citibank keeps showing me I was involved with from XXXX.

Page 70 was the final letter mailed to me from citibank, saying they have declined my third dispute.

On XX/XX/XXXXwhen I called after receiving the above final letter from citibank, I requested a Supervisor, and his name was XXXX. XXXX described to me per the federal guidelines a dispute is only allowed to be opened once and never opened again. XXXX could not explain to me why my charge was allowed to be disputed three times. XXXX  declined to give me any contact information for his, and said this is not allowed. He did however attempt to offer me a {$250.00} credit for citibank incorrectly advising me that I could dispute a charge three times. I declined the credit, and requested he " XXXX '' research all three disputes. He stated he does not do that as part of his job. He stated no one has a job to do this. But he did say he would call me back. On XX/XX/XXXX someone from citibank called me back and left me a voicemail, saying if I have any issue with the resolve of my last dispute to contact them back.

OnXX/XX/XXXX I tried to contact XXXX again, I specifically left a message for him again.

On today XX/XX/XXXX I tried again to contact XXXX, I specifically left a message for him.

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 2019-08-29
Company: Nelnet, Inc.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been harassed by a large number of repeated phone calls which I have not answered. After researching the phone number that kept calling, I believe it is the company Firstmark services looking for collection because I am only 12 days late on my payment. I have not answered them because I feel that due to the harassing nature of the contact attempts, I can safely assume that they are using harassing tactics in all facets of their debt collection. They have called me over 30 times since XX/XX/XXXX, only two days  ago. I will attach screenshots of the missed calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I maxed out my capital one credit card. And paid It all off the next day in full. They posted them accepted payment. Took it of my bank. Then 2 weeks later they said it was a returned payment. But never gave back my money. And closed my account and reported it on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX I opened USAA credit card that ended as CANCELLATION OF DEBT see attatched XXXX XX/XX/XXXX. This secure data was used to open accounts I did not authorize. XXXX USAA CREDIT CARD POLICIES HAVE CHANGED SINCE XXXX WITH NO NOTICE SENT TO MY HOME ADDRESS. ) Disabled Members are NOT PROVIDED POLICY CHANGES. My home address is only contact on my profile of 37 years. USAA HOLDS ME LIABLE FOR THIS DEBT ALSO DESTROYING MY CREDIT SINCE XXXX. This is the only account I opened with usaa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation