BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/XXXX, a payment was made accidentally using the wrong XXXX XXXX Account - ending in XXXX in the amount of {$610.00}. This payment was subsequently returned as the account in question was the wrong account and did not have adequate funds. I was unaware of this error at the time. On XX/XX/XXXX another payment was made for the total amount of {$650.00} to include {$610.00} plus a late fee of {$35.00} within the 30 day period so it was not 30 days late using XXXX XXXX Account - ending in XXXX. On XX/XX/XXXX, another payment was made using XXXX XXXX Account - ending in XXXX, in the amount of {$600.00}. This payment should have gone through but for some reason appears to have been rejected by the bank and returned on XX/XX/XXXX. I tried to make the payment again on XX/XX/XXXX but this time split it into two separate payments in the amount of {$580.00} and {$100.00} and both payments were credited. I believe these payments should reflect not to be 30 days late as they are simply payments made from the same account - XXXX XXXX Account ending in XXXX - that ought to have processed but did not for reasons still unknown to me. On XX/XX/XXXX, I paid {$600.00} dollars and on XX/XX/XXXX, {$610.00}. I am asking that Capital One kindly remove the late payment reflected in XX/XX/XXXX as I paid it within 30 days and it was not processed for reasons unknown to me. I also was not aware of the returned payment from XX/XX/XXXX. I immediately paid the XX/XX/XXXX payment again the day after from the same account and this second time it processed correctly. When I discovered the XX/XX/XXXX payment was still outstanding, I made a catch up payment in XX/XX/XXXX in effect making the first payment on XX/XX/XXXX and the second on XX/XX/XXXX. I ask that you kindly take up this issue with Capital One as it is in the best interest of all parties and I am adhering to their rules and sincerely making all efforts to continue to be on time with my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XX/XX/XXXX. Since this time our mortgage has been sold three times ( and is apparently scheduled to be sold again at the beginning of the upcoming year ). The third time, XX/XX/XXXX, was to the current mortgage holder, The Money Source ( TMS ). We received an 'Escrow Account Disclosure Statement ' dated XX/XX/XXXX stating that we had an escrow shortage and would have to pay an additional {$6700.00}. The options for paying this deficiency was to either pay the total in full or to increase our monthly mortgage by {$640.00} each month for the next 12 months starting XX/XX/XXXX. We reviewed an 'Escrow Account History ' included in the statement but could not understand where TMS got it's information regarding the deficiency. Nevertheless, we paid the additional {$640.00} for XXXX and XXXX to avoid any discrepancies on our end until this matter could be resolved. We have called TMS an innumerous amount of times trying to gain clarity and understanding of this issue. We have spoken with at least one supervisor who promised us she could get us a re-analysis of the escrow and get the 'Loan Boarding Department ' to correct the account numbers, as they are wrong ( according to her ). We did identify to TMS that our initial balance was not itemized in the 'actual escrow running balance ' and therefore caused a false negative starting balance. We also pointed out that our monthly payments were 'lumped together ' instead of being shown as paid, on-time each month. We further discovered and pointed out that out homeowners insurance was removed twice this year ( TMS said that was an error and needed to be corrected ). They have hung the phone up/disconnected our calls and made promises about follow-up calls that have not been followed through with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2020-06-24
Company: Experian Information Solutions Inc.
State: FL
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 filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2019-04-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2019. I paid off my XXXX credit card. I had a {$1500.00} credit limit. I used {$520.00} of that credit and paid it off again on XX/XX/XXXX. On XX/XX/XXXX I checked my credit limit and noticed it was decreased to {$300.00} and I owe a balance of {$7.00}. I called the credit card company and they told me they had the right to decrease my credit limit even though I had never been late or missed any payments. To this day I have never received a letter from XXXX explaining why they decreased my credit limit. I was only told that they follow fico scores and my fico score had decreased. They used XXXX. I checked my credit report and there is nothing new or damaging. My only late payments were almost 2 years ago from my old auto loan. I have done nothing wrong but pay off my card twice in one year.

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 2018-12-06
Company: SUNRISE CREDIT SERVICES, INC
State: PA
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:
There was an account on my credit report with XXXX for a debt that has been closed, now for a second time a third party collection agency called XXXX XXXX  has reported this same balance on my credit report. I have reached out to them about the reporting and all they have on file may be a social security number but they do not have a consumer agreement with my signature, nor my address, or telephone numbering there system to validate this collection account. I have filed a dispute, XXXX  is taking whatever they have on file as valid and this collection company has not even sent me a verification letter prior to reporting. A prior collection account claiming they represent XXXX was deleted due to lack of valid debt 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 2018-04-19
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting an inaccurate late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The collections company below has reported to the credit bureau a medical debt that was already paid. 
This is a scam and it was also reported on the credit bureau of some of my family members. 
The way they get away with this scam is by claiming that an XXXX XXXX XXXX group was never paid and sent the bill to them, however after extensive research I learned that the name they are using as original creditor ( in my case is XXXX XXXX XXXX ) was bought by a different company called XXXX and they do not have any records of my as owing any debt to XXXX since it was all paid in full.When consumers try to reach out to the doctors they bump into this problem and there is no way to get a receipt of payment because XXXX XXXX  XXXX no longer exist.I have seen in different online blogs that this technique is use in other States as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been paying on time since XX/XX/XXXX. My last payment was accepted XX/XX/XXXX as XXXX was transitioning to XXXX. Now that XXXX is servicing my loan I can not log in, and the system is not recognizing my social security number. I can't access a human being on the phone line because, again, the system isn't recognizing my social. I necer received any email from Conduent after this initial email from XXXX> Here is the last correspondence I received regarding my loan : Dear Borrower, This is to notify you that as of XX/XX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ). You should have received notification from your Lending School and/or the new servicer with your new contact information for this debt. 

If you have not received notification regarding a new servicer for your account, please contact your Lending Institution directly. 

Sincerely, XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
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 information incorrect

Complaint:
There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. Equifax has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from Equifax that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that Equifax had put it back on I immediately contacted Equifax. I was not able to get anyone on the phone and disputed the error via the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX I received a copy of my consumer report and recognized some accounts that do not belong to me. I requested the bureaus investigate as well as provide me with any contract bearing my wet ink signature on it. I also filed a FTC Identity theft report. I want these items removed immediately. I did not authorize these accounts I have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX These 5 duplicate accounts need to be verified or deleted

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 2017-12-03
Company: EOS Holdings, Inc.
State: WI
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:
On XX/XX/17 my XXXX XXXX collection account balance was settled in full with EOS CCA, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and XXXX records are still reflecting a {$2500.00} balance owed. I contacted EOS to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from EOS CCA ( password XXXX ) and letters to XXXX ( local and national ) are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is reporting for XXXX XXXX a debt amount of {$1500.00} from 2016 on my current XXXX report. This is false because my explanation of benefits sent to me by XXXX XXXX XXXX XXXX XXXX XXXX in 2016 indicates XXXX billed total amount of {$3600.00} and XXXX   paid {$2000.00} and that the remaining XXXX would not be billed to me per the contract XXXX XXXX has with XXXX that states XXXX is a in network provider they agree to take the payment amount allowed and not bill the patient ( me ) for any balance owed. XXXX inaccuracy states on the invoice for the {$1500.00} my insurance company as XXXX  XXXX XXXX. XXXX told me XXXX denied the whole amount for an invalid billing code. I called my doctor and had them investigate this and all the correct codes were provided and they were paid the amount allowed and were not to bill me the remaining amount. I have sent all this proof to XXXX  and XXXX XXXX XXXX wont even give me a chance to send proof to them they say talk to XXXX. I have talked to XXXX along with my doctor and they will not call XXXX XXXX to stop this debt. They are bullying me and illegally trying to force me into paying this money to clear my credit report and name. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Experian Information Solutions Inc.
State: VT
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 recently reviewed my Experian credit report and observed that hard hit inquiries that were disputed & removed were re-inserted into my Credit Report by Experian. I have a copy of a written response from Experian advising me that they were removed as a result of my dispute. Experian NEVER advised me that these items were going to be re-inserted into my credit report ( 5 days after ) as required by Federal Law. Experian is in violation of the Fair Credit Reporting Act 15 USC 611 ( a ) ( 5 ) ( b ),

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 2019-09-18
Company: SYNCHRONY FINANCIAL
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:
on XX/XX/XXXX I received a response from synchrony bank saying that they were going to tell the credit bureaus to delete some inquiries that are being reported on my credit report. There were XXXX inquiries in total and only XXXX have been deleted. XXXX and a half months have gone by and XXXX of the inquiries are still being reported, they are SYNCB/TJX DC from XX/XX/XXXX, XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX. Please help me get this resolved fast and thank you in advanced. I have included synchrony bank response.

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 2018-04-19
Company: Paypal Holdings, Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently became aware of a fraudulent transaction with my XXXX XXXX XXXX checking/debit account executed through the XXXX XXXX XXXX, with which I do not have an account and have never transacted business. 

Nearly half the balance of my account was withdrawn fraudulently by someone in New York. I immediately contacted my bank 's fraud department as well as filling reports with the FTC 's identity theft department and my local police department. 

I also notified Venmo by email of this fraudulent transaction and received a form response instructing me to take the steps I'd already taken above. They offered no assistance whatsoever with pursuing an investigation or helping me recover my stolen funds. 

How is this company allowing such fraudulent transactions through its service, especially from accounts held by people like me who don't even have a XXXX   account or any kind of contact/verification information with them in the first place? 

They are clearly aware that this is a widespread problem because they have an entire section of their website devoted to addressing questions from consumers whose accounts have been stolen from in this fashion. 

I had never even heard of XXXX before this incident, but they seem to be a prime example of an unaccountable tech company playing fast and loose with the security of Americans ' private information while enriching themselves and leaving victims of fraud and abuse to twist in the wind.

Company response to consumer: Closed with explanation