BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: EQUIFAX, 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:
Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-09-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with XXXX XXXX XXXX, with two transfers from Wells Fargo XXXX. A transfer of {$100.00} to open a checking account, and a transfer of {$500.00} to open a savings account, about Wednesday of last week. The checking account was opened, but then, Wells Fargo withdrew the deposits on Thursday. The receiving bank does not have the money, and Wells Fargo can not explain where the money is. As far as I am concerned, Wells Fargo is committing financial fraud, and has literally stolen {$600.00}. And that money was deposited in cash, not credit or anything other than real money.

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 2017-12-18
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Innovative Recovery formally know as Resident Collect has been attempting to collect an unverified debt for over 4 years. This company is n't and has never been licensed to collect debt in the State of Florida. Please have them to stop ALL debt collection effects and remove from their " account ''  from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Village Capital & Investment LLC
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
For some crazy reason when my mortgage was refinanced it duplicated. I received a new rate of XXXX XXXX and is paying the new loan with them, and still is ( loan # XXXX ). On the other side the old loan was sent to XXXX Mortgage that was a error on Village Captial end ( loan # XXXX ). It was supposed to be corrected like I was told, but its not. It is still showing up on my credit. I only have XXXX home loan. They refuse to help me over the phone and keep giving me email addresses to departments that dont go through or answer. I did this a few times and the last time I did it was on the XXXX of 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 2018-04-04
Company: EQUIFAX, INC.
State: CA
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 mailed an addition to credit report letter to Equifax to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with bank of america i filed a dispute regarding a {$100.00} payment from my debit card, I NEVER GOT THE ITEMM! I called and filed a dispute right away. 5 days later the claim has been " resolved '' and I didnt get my money back. I had contacted the merchant before all this and they declined my 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 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires CAPITAL ONE BANK USA XXXX XX/XX/XXXX CAPITAL ONE BANK USA - XXXX CAPITAL ONE BANK USA XXXX XX/XX/XXXX CAPITAL ONE BANK USA XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I'm not sure why capital one keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for XXXX, I don't even know who that is and why would anyone apply to the same consumer that close together?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made a purchase through PayPal credit on XX/XX/XXXXfor {$390.00} and then changed my mind and cancelled the order ( there is no any fee involved ). Since I did not get any confirmation from the seller about the cancellations, I disputed this transaction same day XX/XX/XXXX with

PayPal. PayPal cr
edited {$390.00} on XX/XX/XXXX, once again the seller credited {$390.00} on XX/XX/XXXX. As I have received two credits, I have reported this on XX/XX/XXXX with PayPal to debit the 2nd credit. Following my report, PayPal charged me once on XX/XX/XXXX and also again on XX/XX/XXXX which is supposed to be only one charges instead of two. I  called them on XX/XX/XXXX to report about the two charges instead of one. I have received a letter from PayPal mentioning all these charges are valid and I owe {$390.00} for nothing. 

From my account statement, it is very evident that they made dual charges on my account, Agent on the call could understand and witness my problem but not the support team. Here are my list of followup calls and my time to explain about this with representatives who picks my call 1. XX/XX/XXXX - 33 Mins XXXX. XX/XX/XXXX - 29 Mins XXXX. XX/XX/XXXX - 08 Mins XXXX. XX/XX/XXXX - 28 Mins Also, they offer EMI plans with no interests when paid back within 6 months. I ended up paying {$200.00} more ( I paid everything on time and this {$200.00} is not for the interest ). I always schedule for an auto payment to ensure close principal within 6 months. 

I have attached statements since XXXX XXXX ( 1st ever paypal credit transaction )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I wired the sum of {$73000.00} to Bank of America, NA to pay off the HELOC loan for their customers. That payoff included a figure for recording of a discharge the HELOC at the local County Registry of Deeds. By law, Bank of America had 45 days from that date to record the discharge ( that means the discharge should have been recorded by XX/XX/XXXX ). Today, XX/XX/XXXX I checked with the Registry of Deeds and the Discharge still has not been recorded. It is now 52 days since Bank of America received the payoff funds and agreed to record the discharge of the HELOC at the local County Registry of Deeds. I called the Bank of America XXXX number and after waiting nearly one-half hour, I was told by the representative that the loan had in fact been paid in full and that the account had been closed out, but they could not discuss the issue of a discharge with me without written consent from the customer to me. This is obviously just a delaying tactic ; if the account has been paid in full and closed out, then the customer is no longer their customer. When I presented this logic to the representative, she repeatedly stated that I needed the customer authorization to talk to them about recording the discharge which they are required to do by law.

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 2018-10-10
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. CMRE FINANCE  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE FINANCIAL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} COLL {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX COLLECTION XP/TU ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX COLLECTION XP/EF

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My private student loan is currently being serviced by Wells Fargo. It currently has an outstanding balance of {$50000.00} I have tried on multiple occasions to work out an agreement with Wells Fargo but have been unsuccessful. In one instance, I spoke with XXXX XXXX XXXX, who gave me the instructions on how to file a Hardship Affidavit. Based on our phone conversation, I was led to believe that my request for a hardship repayment plan would be favorably viewed. I have attached the instructions I was given to submit the Hardship Affidavit and a copy of the affidavit eventually submitted. After waiting about a week, I called Wells Fargo to get an update on my request and spoke with numerous representatives from various departments who informed that I would not qualify for any form of hardship repayment. I currently have child support that I am diligently paying off, {$100000.00} in outstanding federal student loans and simply do not have the funds to continue making the current payment for the private Wells Fargo student loans. I respectfully request that the Consumer Financial Protection Bureau helps me work an agreement with Wells Fargo that provides some monetary relief to me so that I can both pay off the debt and be able to meet my other financial obligations. I am currently working overtime on full time job and even picked up a second part time job. However, even with this part time job its simply not enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Resurgence Legal Group, PC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgence Legal Group had filed a law suit against me back in XXXX i wan na say for old credit card i had back in year XXXXOk the files a court order to collect on that old XXXX  card which was i wan na say close to XXXX. Well they did won because i because i did not go to the hearing. In year XXXX i had resign from my job so then they try to collect from my bank account which they only got XXXX dollars out of it. They been trying to collect from that credit. Well in year XXXX again sue me for XXXX and they won so i just let them collect. They been a pain in XXXX  XXXX for awhile. Ok i am almost done from paying this credit off which the credit was now a little bit over XXXX which the court costs and everything. Now i get a letter from then stating that they went to court which i thought it was paper to lift the garnishment. No now they are trying to charge me interest on the debt which is the amount of XXXX. My friends told me that can not do that and i read on this too and they are right this company can not do that on old debt. I know they just trying to get more money out of me and that is why i need to know when i can do because i did call and they were rude and told me that was interest on the debt. Can you help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Convergent was trying to reach me about a cell phone bill due and was unable to get in touch with me. Since they were unable to get in touch with me, they called my sister. An employee left a message with my sister to tell me to call them

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 2018-07-26
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:
On my credit report, it states I was 30-59 days late on a payment for XX/XX/2017. I was late about 5 days, not the 30 days they are reporting, and the reasons for those late payments were the fact the contacted me 5 days after the due date to inform I didn't have enough funds for the payment in which I immediately went to my account to resolve the issue. Again, I have not been 30 days late on a payment, but they had reported it as such. as shown in the attachments, I have made a payment every month, but not in the lateness they have reported. And I believe each late payment may have shown in the next statement, hence why I attached 3 months to make reference of. 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 2023-03-19
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, 2023 I got a Collection record from " First Credit Services '' in the amount of {$540.00} for a gym membership I never attended or signed up for. My credit report doesn't even state the original creditor 's name, nor the account number, had to investigate myself. I have reached out to the company, but was told that it was passed on to the collection agency and they " can't do anything about it ''. Filed disputes with credit reporting agencies with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: KEYCORP
State: UT
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:
Key Bank has recent late payments reporting on my credit report and I have never been late. I have attached enough information to prove they are in error. They have adjusted so many fees and " supposedly '' fixed my account so many times that I gave up using them. I paid my account off and took all my other money out and closed all my accounts with them. You can see how they kept adjusting fees but the account still continued to show past due amounts growing larger and larger which is crazy because I was never late! 
I have contacted my attorney and the next correspondence will be from him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
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:
I called XXXX in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted XXXX l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on 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 2017-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 Portfolio Recovery Associates illegally reported a debt to the credit bureaus for the second time that they had known knowledge from my prior correspondence to them that this debt was known by the original creditor XXXX XXXX to not be my debt. Portfolio Recovery Associates continues to attempt to collect this debt violating my rights under the FCRA. This company company continues to illegally practice illegal business practices and causing me undue hardship. I request that they immediate cease and desist reporting fraudulent accounts against my person and reporting such information to the credit bureaus. Furthermore, this illegal debt was purchased from a third party with fraudulent information against my person and Portfolio Recovery should immediately destroy the information that is illegally reporting against my person, and not sell the debt to another third party. In addition, I have attached a letter from the original credit regarding this debt and how it was to be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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: Account status incorrect

Complaint:
I called XXXX in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted XXXX l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.

Company response to consumer: Closed with explanation