BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. 

I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous. 

1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XX/XX/XXXXAccount Number : XXXX Please supply information on how you have verified this item. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. This account was never 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2019-06-01
Company: Square Inc
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2019 at approximately XXXX XXXX  I received a direct deposit from ssi for the amount of {$770.00} and {$22.00} I then noticed that I couldnt take the money off my account because there were some issues with the card I then contacted XXXX XXXX XXXX customer service lady told me that my card was deactivated on my account I then asked her if she could activate the card so that I could withdraw my funds and she hung up on me I have bills to pay and children to feed I need help with this I then tried logging back into my account and it has locked me out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AZ
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 have provided documentation to credit bureaus and company to show I turned my lease on time and had made all monthly payments and paid excess mileage and damage. I was given an amount to pay within 120 days from letter received which I did. I paid {$3700.00}. Last lease payment was due in XX/XX/2018 and paid on time.

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 2020-05-21
Company: EQUIFAX, INC.
State: CO
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 settled a debt reported on Credit report with XXXX   through their third party collector. I am in the process of a mortgage. I am know being denied a mortgage because XXXX  and the credit agencies refuse to update the information. I have contracted XXXX, the credit agencies and opened disputes all have been closed. The charge off appears on my credit report lowering my score showing unpaid. The creditors refuse to update the file with correct information and are violating the FCRA and resulting in me and my children possibly not having a home to live in as our lease is set to expire. Your help is greatly appreciated. 

Payment cleared my financial institute on XX/XX/2020. XXXX  and Equifax have both denied my disputes and refused to update my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since the Cares act was initiated I called Nelnet who holds my federal student loan because they were not placing a hold on the interest payments as the cares act mandates. I initially called them XXXX to inform them I was still being charged interest and was told they would be placed in the no interest charged category. I told them I wanted to continue to make my regular payments, I was informed I could do this but I would not be charged interest. I received my XXXX statement and interest was still being charged. I called back and had the same discussion this time I was told I didn't qualify even though it is a federal student loan. They told me to call the department of education, I did and was told there was nothing they could do and to call Nelnet. I have called them every month and they still refuse to place my loan interest on hold as the cares act specifies. I have exhausted my resources and have no other options, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On my Capital One credit card, I was charged by a vendor ( XXXX ) a {$15.00} fee on XX/XX/2020. I tried several times to call the XXXX XXXX phone number to advise them that this charge was an error as the account/service with XXXX XXXX for website forwarding was closed over a year ago. I was unable to talk to anyone or leave any message - the phone system only directed you to their website. I sent the attached letter dated XX/XX/2020 to Capital One. Capital One has not communicated back to me and has not credited my account the bogus {$15.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been requesting a mortgage payoff statement for the past 3 weeks. The company does not mail me the mortage payoff statement and has not returned my calls when i've reached out to customer service. 

additionally - i have tried to make extra loan payments online - but the mortgage company ( Citizens One Home Loans  ) charges me a {$10.00} fee and {$40.00} separate fee for making extra payments online. This is predatory lending. 

They are not allowing me to pay off my mortgage and I want to pay it off in full since the interest rate is very high ( 8.125 % ). 


Customer Service Monday through Friday from 8 a.m. - 5 p.m. 

XXXX XXXX Option 1 - XXXX XXXX   Notices of Error or Requests for Information Citizens One Home Loans Attn : Customer Service XXXX XXXX  XXXX XXXX XXXX, VA XXXX Collections Department Monday through Friday 8 a.m. - 8 p.m. 

XXXX XXXX Option 1 - XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Community Loan Servicing ( FKA as Bayview Loan Servicing ) stopped allowing me to make payments in XXXX. I am the owner of the home but not the original mortgage holder. Something happened between the previous owner ( the mortgagee ) and the servicer/lender - and from that point my rights to make payments and discuss the loan and all assumption process; was stopped without explanation. 

Nearly two years later, on XX/XX/XXXX Community loan servicing filed a notice of default with NO notice to me what so ever. There was no notices of intent to accelerate, no notice of foreclosure prevention options or anything- the first thing I saw in over 20 months was a notice of default. Also the amount demanded seems very wrong. 

This is my primary residence, I am the sole legal owner ( since XX/XX/XXXX ) and I do intend to keep my home. I need help stopping the foreclosure process and I want to make payments but I still have not been allowed to do so. Please help so I do not lose my family home. The bank did NOT follow homeowner bill of rights and did not factor in COVID or any foreclosure prevention solutions and not any notices at all. PLS HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-07-06
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX are reporting incorrectly that I am an authorized user on the XXXX CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and XXXX  credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. Snchrony Bank/JC Penney was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XX/XX/XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: 2288984 Ontario Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
So I filled out loan app on internet to find a lender. These people called me ( XXXX ) XXXX XXXX saying I was approved for {$20000.00} loan. Did the whole process account number and routing. Then they said since my credit was low I'd need insurance to make accounting dept Feels better about giving me loan. I said I can't pay for that obviously I need money not have money. They said no we're not asking you to. We are going to wire it to you tonight {$920.00} and you send back in morning and then you'll be insured and we'll wire you loan. They sent it in the morning they started calling me at XXXX. Saying if you want loan just go get XXXX gift cards and take picture and send to phone number. Hurry so we can get you your loan money today. I did.. its their money I figure right. They call me back and say okay we're going to send your loan within 3 hrs the funds. Awesome. After 2 hours a " finance manager '' calls me back ( XXXX ) XXXX. He says okay we're going to send your loan but first we have to send you the money to pay the taxes. Itll be the same as this morning. Okay I say. At this point I'm just thinking about the loan money and my daughters birthday next week and how awesome I'll be able to make it for her with the loan. That night they sent wire. Next morning I see its for {$2900.00}. Damn I think but again all I'm thinking is everything went fine the morning before and how much the actually loan is going to help me out. They call me and tell me to send XXXX back and ill have my full loan by lunch. I follow the same instructions cept this time they say no pictures just read numbers over phone. Yessir I say. Around XXXX still no loan and as I'm checking for loan deposit I see my accounts negative. They pulled the XXXX back out i think. I call my bank and am raising XXXX. Saying I didn't authorize that being taken out to send back. I already sent them that in XXXX gift cards. Thats when the bank tells me it wasn't pulled out. The bank sent in back because of insufficient funds. WHAT! I say how was i even able to withdraw if the funds weren't checked. They wouldn't even give me an answer. Just told me I was scammed and I was responsible for negative balance. Next day you guessed it the XXXX was the same insufficient funds. Now my account is XXXX negative. And my paycheck is due to be direct deposited tomorrow and I won't see any of it. I asked my bank how is it that when I deposit a check even a Federal Government check i can't even have access to those funds till the check clears but for these checks the scammers sent that wasn't the case. And now my life is gon na be ruined. I'm a single father to my XXXX old son and XXXX old daughter and now we're probably going to be evicted. I can't believe this. Please help me get these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: TN
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 have ask all three credit companys to remove these accounts off my profile as it is not a clear picture of who i am i have never lived in the state of MS and i see many of these accounts listed in that state they have not removed them yet after two attempts of reaching out in the form of 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 explanation
Consumer complaint received 2021-11-03
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The aforementioned company requested that I co-sign for XXXX XXXX because he did not have enough credit. They explained that everything would be in this name and I would only be responsible if he did not make to payments. He is doing well in his position so I came to Md. to sign the papers on which I was secondary. Before I signed the paperwork he had purchased insurance and afterward had the window tinted. Once I returned home the dealership asked me to come back and sign a document requiring the vehicle to be housed in NC where I live. My son lives in Md. This was never a requirement and how would we do such a thing when he would drive the vehicle in Md. I was told Ally financial is requiring this. It made no sense to me and I declined to do so. Therefore they requested my son bring the vehicle back which he did. Since that time Ally has called my job to collect a debt. In the police department on a recorded line. Sent my son and me collection letters and demand payment of a vehicle we return within 2 weeks of attempted purchase. Ally Financial and XXXX XXXX XXXX XXXX Md. I reported no payment to the credit bureau and harassed my son and I. We have not had the vehicle since XXXX XXXX payment was due XXXX. Now 2 payments. This is not acceptable,

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 2018-09-25
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this amount was supposed to be final payment to XXXX for TV and internet. It is really nothing to do with the final bill. I paid my final bill with XXXX. I had a problem with my receiver and called the technician for help. Talked to a supervisor about the problem. I was told by her the receiver was supposed to work like that. I told her it never worked that way before but the problem just started a few weeks ago. She told me there was nothing to be done about this issue. I then canceled my subscription with XXXX and went to XXXX. They then told me I should have given them a chance to resolve the issue. I did give them a chance and they wouldn't help. So this {$71.00} dollar + change was for early termination. I don't owe an early termination penalty, because they refused to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Square Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Received robo call from XXXX stating my account had been hacked and I needed to do something about it. I got an operator on the phone and she told me the company name was Cash App. When I asked where they were located she hung up. Never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Transunion - I have sent over 4 dispute letters to Transunion all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020 - XX/XX/2020 Actions Taken by Me : Sent 4 dispute letters to All bureaus ( XXXX, XXXX  and Transunion ) by Certified Mail Return Receipt to remove inaccurate accounts.

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