BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: Experian Information Solutions 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 co-signed a loan for my sister with the NJ XXXX XXXX XXXX  XXXX in the amount of {$13000.00}. 

She fell behind in payments. She is working as a XXXX XXXX  and due to COVID19 she was laid off from her job last spring and could not meet the payments. 

She told me that she contacted them and that they told her that her payments were in forbearance due to the COVID. 

I got an alert this past month that this student loan has been " charged off '' and my credit score dropped significantly. 

I reached out to Experian on XX/XX/2020 to have the charge off removed from my file. They sent back Report number XXXX and told me that the debt is accurate. 

I know for a fact that Federal Student Loans are in forbearance as I have one myself and was alerted to the fact. 

I don't think XXXX did a thorough job. 

Please advise. 

Best, 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 2019-07-11
Company: Experian Information Solutions Inc.
State: VA
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 sent a dispute letter to Experian dated XX/XX/19, regarding 4 items reporting on my credit file. They received this on XX/XX/19 according to tracking confirmation. 

This letter, attached below, stated that I wanted documentation that they had on file as of XX/XX/19, that was used to verify the accuracy of these accounts since I am reporting them as inaccurate. I stated under the FCRA 15 USC 1681, I have the right to demand that they disclose these documents to me. I specially asked that they not respond with a letter stating they have been verified, but to send me documentation as mentioned above. 

I stated that if they were unable to provide me with docs to verify accuracy of these account, to delete them immediately, as required under section 611 ( a ) ( 5 ) ( A ) ( i ). 

I received a letter from Experian on XX/XX/19, with results, showing that all of the accounts will remain and/or have been updated, however, I received NO DOCUMENTATION as I requested to verify the accuracy of any of these accounts. 

I listed 4 accounts in this dispute and only received information back about 2 of the accounts. I have attached a copy of the letter I sent to Experian, and the letter they sent to me, received on XX/XX/19. 

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 non-monetary relief
Consumer complaint received 2019-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
After review of my billing I noticed I am being charge two ( 2 ) different interest rate on one balance. One for Interest charge on purchase and one for " Protected Balance '' which I was told was a balance due from last year. This is two different interest rate on the same account with one balance. How can a store credit card be allowed to charge two interest rates on one balance. I don't believe this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The first notice I recall receiving from XXXX XXXX XXXX dated XX/XX/XXXX. It notified me that Capital One retained them to collect a debt. Capital One did not notify me that my payments stopped going through. There was adequate money in the account. I had no idea until this XX/XX/XXXX letter. XXXX XXXX XXXX had me served with a summons on XX/XX/XXXX. I set up a payment arrangement with them prior to this. Capital One never called me or reached out. I would like to be able to just pay {$100.00} every two weeks and have the suit dismissed. I have been temporarily living at a different address since XX/XX/XXXX because my apartment building has communal bathrooms and is a covid risk. Letters must have been returned to sender to Capital One. They never attempted to locate my new address or call.. I had no idea I was behind on payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Convergent stating I owe XXXX {$300.00} from six years ago and that XXXX told them they satisfy the balance by 65 % to {$16.00}. This account had been closed over 6 years ago and equipment was returned to XXXX. I never received another bill. I opened an account with XXXX for internet service. My previous service was cable. I am attaching a letter sent from me to Convergent. I have my received a response. I have been receiving several telephone calls from this Company from several different cities.

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 2019-07-11
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: Information belongs to someone else

Complaint:
The following accounts belong to someone else and they were fraudulently put on my credit report : 1.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2.  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( XXXX, Experian, and XXXX ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.

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 2020-10-08
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: Information belongs to someone else

Complaint:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX  {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, 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 2020-02-10
Company: Experian Information Solutions Inc.
State: AR
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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. But my credit has been compromised because I have numerous of items that are not mine. Can you delete these items from credit report so I can purchase my first home. Thank you. 

XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$4200.00} XXXX  XXXX XXXX {$230.00} XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$98.00} US DEPT ED XXXX {$6100.00} DEPTEDXXXX XXXX {$3500.00} XXXX  {$400.00} 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 2017-12-05
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The XXXX XXXX is Diversified Consultants. This is for a XXXX XXXX bill which I do owe and I will pay. The balance is {$1600.00}. 
I get daily calls from the # 's below which I have blocked but new # 's keep calling me. They do n't leave a voice mail they just keep calling me at the # 's below. 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX There are more calls from XXXX, CO, XXXX, CO that have been blocked and some from XXXX CO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX Citizen 's drafted my XXXX XXXX checking account not only for my mortgage but for a second loan, with a different loan number and different name on the account. So they drafted my account for my correct loan amount of {$3100.00} AND they drafted my account for an additional {$290.00} for a loan belonging to Mr. & Mrs. XXXXXXXX ( not me ). 

On XX/XX/21 Citizens did the same thing, with the exception of this time Mr. & Mrs. XXXX XXXX loan was drafted for {$230.00}. 

On XX/XX/21 I contacted Citizens XXXX to explain to them what they were doing and to the get it corrected. After explaining the situation to 4 different customer services representatives, telling the last one who seemed to understand the problem, the name and account number of the incorrect loan draft, which got her to take me seriously. Prior to that everyone thought I misunderstood what was happening or that XXXX XXXX made the mistake. I was told a " Supervisor would investigate and call me back with in 24 hours ''.

72 hours later I had not heard anything from the mystery supervisor, so I called back, explained the story yet again. Gave the account number, account name dates an amount of the drafts of the incorrect loan draft yet again, and the customer service rep said I needed to provide a XXXX XXXX statement showing proof of the drafts coming out of my XXXX XXXX account. Despite questioning why Citizens could not look at the drafts in question and see where they were coming from, I obliged and send in my XXXX statement showing the requested information. Later that day XXXX received a call back from Citizen Customer Service thanking me for sending my statement over and then asking me for my XXXX account number and the XXXX ABA number. Again, Citizens already has this information as I provided them with a voided check originally to set up the auto draft payment for my mortgage. I was driving in the car when I received this call and told the CS Rep that didn't not know the XXXX XXXX ABA number off top of my head. This seemed to fluster her. I asked when I could expect a refund of the {$520.00} that Citizens has mistakenly taken from my XXXX XXXX account that was used to pay someone else 's loan. I was told they would be back in touch with me. 

XX/XX/21 Still no resolution on this problem. So I emailed Citizens XXXX XXXX  Customer Service where I had sent my account statement to previously and I got a response that I should call customer service. I don't have the patience to speak to another Citizens customer service representative. I have spent over 1 hour on the phone with there Customer Service department and given my Name, address and SS # at least a dozen times, yet not once has Citizens acknowledge, forget apologized, for their mistake, for my hassle and aggravation to fixed a problem that their internal controls/audits show have never allowed to happen in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Coinbase will not allow me to add a bank account to my Coinbase account that will allow me to wire my money to my XXXX bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Lendmark Financial Services
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/17 Lendmark Financial Services LLC approved me for a title loan in the amount of {$7100.00}. The account number is XXXX or XXXX. I gave them the actual paper title to my vehicle. They did not receive any consumer goods from me. The promissary note that was provided to me corroborates this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX has improperly reported a delinquent payment on my credit report. I contacted them about a series of late fees and XXXX XXXX admitted that it was an internal error and all late fees were removed. Nonetheless, XXXX XXXX has failed to take corrective action on my credit report, which now inaccurately reports their own internal billing error as a negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have applied for a debt consolidation loan to pay off all of my debt vice my home and two cars. The denied stating non-factual reasons. Amongst them are pay my bills late and serious delinquencies when I explained this was the fault of XXXX XXXX and not me and stating the primary reasoning having something to do with my account which is bull. Ive been a member with them 17 years, had several loans with them and never missed a payment. I think I am being biased against because I have XXXX and a 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 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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have attempted to send multiple correspondence to this company and have not received dispute results or how these items were verified and kept on my report. I am distressed and am being negatively affected by these erroneous, unverified items. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 and haven't received a response to my disputes or paperwork showing how the item was verified with signed paperwork from the original creditor. I would really appreciate some communication from the bureau or corroborating in an actual investigation with removal or erroneous and unverified 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 2022-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
USAA BANK CREDIT CARD still reports late 30 to 60 days on a card from XXXX and XXXX that is closed and will not clear from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/19 I tried to make a dispute with Equifax and it keeps saying to call and confirm identity basically. I called yesterday and did that it has been 24 hours and still can not make a dispute and its preventing me from correcting my credit report. Been trying for over 2 weeks to access this and I get same message even after calling in and successfully giving my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
On XX/XX/2020 at approximatelyXXXX XXXX I was informed by Wells Fargo records department that a delinquent late payment account that was previously in their records, no longer exist in their system however they are still reporting this inaccurate information as accurate on my credit report. 

Even though Wells Fargo, creditor, agrees that the information is incorrect and does not exist in their system and should not be on my credit report which was brought to their attention on the above date, they are refusing to initiate and take responsibility to contact the 3 major credit bureaus to remove this erroneous information off of my credit report stating that I would need to 1st dispute it with them. 

Insulting as they may sound why would I need to dispute this account with the creditor Wells Fargo when they have admitted on a recorded line on 2 separate occasions that this account does not exist in their system, by law if the creditor agrees that this information does not exist and/or is incorrect it is their responsibility to contact all 3 credit bureaus to have this information removed immediately which up to this point they have failed to do so.

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 2021-08-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
UDAAP This is the 2nd complaint I have had to make about Suntrust/Truist and their mortgage payment process. The other complaint # is XXXX. The front line associates ( initial call ) on today XX/XX/2021 cant answer basic questions in regards to mortgages that were excluded from BK. The calls continue to get transferred multiple times. Also I paid my past due amount as told to me by Suntrust Mortgage on XX/XX/2021 as {$1400.00} to bring current and I am still receiving pasture notices with late fees as of the statement dated XX/XX/2021 which I received in the mail today XXXX This is a violation of UDAAP. Additionally I made a {$480.00} on XX/XX/2021 and its still not reflected with more late fees.I was transferred to BK and XXXX ( XXXX ) advised me that she is in the BK area I was no longer in the Truist BK workstation so she cant see the account and she doesnt see any codes preventing others from being able to see account. I was transferred to client services ( 3rd ) XXXX who told me that the balance current shows as {$500.00} which is still incorrect since I made a payment almost 1week ago.

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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX has improperly reported a delinquent payment on my credit report. I contacted them about a series of late fees and XXXX XXXX admitted that it was an internal error and all late fees were removed. Nonetheless, XXXX XXXX   has failed to take corrective action on my credit report, which now inaccurately reports their own internal billing error as a negative information.

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 2021-05-09
Company: EQUIFAX, INC.
State: NC
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:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation