BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from 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 2018-03-19
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 Experian received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. XXXX received the same letter/request on XX/XX/2021. XXXX received the same letter/request on XX/XX/2021. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.

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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello. I have contacted Trans Union well Over a month ago. By Law Transunion had 30 days in which too reply. That did not happen. And on several occasions. I have been very patient up to this point. Lately I've taken much notice in the very poor reporting that's being intentionally done to my personal profile. I truly do not appreciate it at all. TransUnion has done major damage to my credit profile by Intentional Fraudulent derogatory. Looking at my evidence that i will attach anyone will feel the absolute same. Its really awful it has to come too this. Please be aware that i am absolutely not pleased with the fraudulent behavior as youve made things difficult for me. And yes I have all intentions on suing you in the court of law for all the damage youve done that can not be repaired. 

At some point IMMEDIATELY there should absolutely never allow discharged bankruptcy accounts still showing on ANY credit report! After discharge! I know its not something thats normally done because my son filed a little after me and his case didnt get sabotaged by his bankruptcy attorney. All of his accounts were immediately removed! Mine were not! I knew something wasnt right with my attorney just by the way he spoke to me. however i did continue too trust him. And take a really good look at my cases. Ive been fighting for almost 12 months now to clean up this mess he's made. Attorney and Court is next. I hope this never ever happens to ANYONE! 


Also I gave TransUnion 30 days to reply to my last letter and you did not. by law you must remove the negative accounts as once. The date is given on the front of the document thats included.

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 2018-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2018 I received a letter in the mail saying that my recent application for a Wells Fargo deposit account is being denied. My application was evaluated by a company named XXXX XXXX XXXX XXXX but no where listed in the letter stated why my application was being denied or what information was used to come with this decision.

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 2020-05-03
Company: Harris & Harris, Ltd.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
last year,XXXX I got a letter from the Oklahoma tax commission , originally it was {$840.00} I believe, I went on their website and they have a place where you can set up payment plans, I did it for the first of the month, OTC wouldnt send statements til like a few months later so I can keep record, but I was paying XXXX  a month, I got it down to XXXX and then they sent me a letter saying I owed XXXX and now its XXXX, I wrote and told them I had a plan on their site and it shouldnt be any interest and they said they have no record of there being a plan, YET, when I paid on the bill you cant help from not seeing it since it was on the same page, so then they sent a tax warrant and if I pay atleast 800 it would be not interest, I feel I owed no interest as I had been doing my payments, in fact I listed payment plan 3 times on their site. so I heard no word from OTC since XX/XX/2019 and then just this XXXX I got a letter from Harris & Harris ltd collections billing me for {$440.00} for the rest of it, on the letter they say it should be taken seriously and the OTC can take your debt to a law firm, intercept the thru tax refunds, they did already take my Okla return before I got to reply, {$88.00}, I just got the letter on the XXXX of XXXX and made payment plans for the XXXX of this month and XX/XX/XXXX to pay it all off. I paid {$200.00} in addition to the {$88.00} which took the bill down to {$150.00}, checked my bank statement and these guys ( Harris & Harris ) and took the {$150.00} out. isnt there a fine for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern - I had some medical bills with XXXX XXXX that were put into collections with XXXX XXXX. I paid the balance in full and the accounts are still on my credit report. I am in the process of purchasing a home for me and my daughter and this is presenting an obstacle. I'd like these removed from my credit. 

Thank you, 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 2017-11-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XX/XX/XXXX {$220.00} was automaticly taken from my Five Star Bank account by XXXX. The due date for the credit card bill was XX/XX/XXXX as stated on my bill. On XX/XX/XXXX and XX/XX/XXXX three over draft charges for {$40.00} were applied to my five star bank account, {$120.00} total. I spoke to a representative at Barclay who credited my five star account on XX/XX/XXXX the amount of {$120.00}. on the same day the {$120.00} fee was then added to my Barclay credit card. I spoke again to a representative at Barclay and got the run around. The card is now closed and I paid off my debt on XX/XX/XXXX. The {$120.00} fee is still on my account! I have received two letters from Barclay one stating my inquiry has been resolved. date on the letter is XX/XX/XXXX. on XX/XX/XXXX I received another letter stating there is a {$120.00} balance still on my closed account. Please help with this mess. Thank youI

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.

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 2017-11-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Today I received a debt collector letter from the XXXX XXXX stated I owed to Citibank the amount of {$900.00}, I believe this type of action is fraudulent on nature between Citibank and its Debt Collector XXXX XXXX. 
I disputed the same amount {$900.00} with Citibank several years ago also I did disputed las XXXX 2016 with another Citibank 's Debt Collector XXXX XXXX XXXX. CFPB Case # XXXX. 
At This Time I would like to ask the CFPB to Ask Citibank and Its Debt Collector XXXX XXXX to cease any collection on the amount they said I owe them. 
There is the second time CITIBANK is attempting to collect something I disputed on the past, I do n't know if At this time Citibank and its debt collector are violating any rules of FDCPA, if its so I would like to be compensate it for.

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 2018-03-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I submitted information to register with a loan repayment plan as soon as my loans came due and it was clear I would not be able to make the standard payment. I filled out the forms and submitted my tax information electronically through the federal government website on XX/XX/XXXX. I was informed on XX/XX/XXXX that my information was received by Navient. I called Navient around XX/XX/XXXX to check on the status of my payment plan application and was told it was being processed that it was currently taking 3 weeks and it would be processed by XX/XX/XXXX in time for my first payment. ( It is not easy or intuitive to find ANY contact information on the Navient website ) I called again on XX/XX/XXXXbecause I could not determine if the payment plan had been processed and it is extremely difficult to make the full payment this month. I was informed that not only had they already begun to charge my account 3 days ahead of the due date and could not stop the charge but that they had also not begun to review the application. The only option I would have would be to issue a stop payment through my bank and go into forbearance and be charged all the compounding interest. They further informed me that there was a technical glitch in their system that resulted in them not being able to view or process applications from anyone who submitted one during this time and there is nothing they can do about it. I was not informed of any issue like this when calling on the XXXX   and when I was assured my application would be processed by the XXXX. I find it unacceptable that an error on their end resulted in such a substantial delay in the processing of my application and that I was never informed of this glitch in a timely manner that would allow me to make other payment arrangements.

As a result of this payment plan being delayed I expect I will be charged an extra $ 900- {$1000.00} over the course of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/XXXX I received a letter from citi bank for the shop your way card saying that they were closing the account do to delinquency of payments I have had this card for 2 years and never used it it has caused a drastic drop in my credit score because of their actions. I do believe that this is a blatant slap in the face.

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 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from client services attempting to collect on a debt that was already charged off and removed from my credit report I was also contacted by phone by the same credit service the following day. They are attempting to collect a debt of XXXX dollars it is from my understanding that in this time that no one is supposed to be collecting any money at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Total Card, Inc.
State: CA
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 numerous occasions, I have notified XXXX XXXX Card about the fraudulent charges on my XXXX XXXX card from which were charged in the months of XXXX ( 2017 ) and XXXX ( 2017 ) for  {$44.00}, {$44.00}, {$4.00} and {$5.00} by the following company and its affiliates : XXXX and XXXX. The employees of XXXX XXXX XXXX XXXX XXXX XXXX had and continue to have complete knowledge of these concerns however continue to fail to take any type of corrective action on this matter for almost 3 months. Today, I still have not seen these amounts credited to my account. After I reported the fraudulent activity, XXXX and its employee issued me a new credit card which I have not been able too use since XXXX ( 2017 ).  Today, I called customer service to speak to a Supervisor and my call was disconnected by the representative. This is the second time my call has been disconnected which make me believe it was done with intention to avoid resolving my ongoing issues. 

In addition, I continue to be charged a check return fee of {$38.00} for auto pay that I canceled months ago however XXXX continues to make attempts to debit my checking account also costing me " NSF '' fees from my bank. I contacted its employees of this and still have not disabled the " autopay '' on my account. I went online to manage the option and I keep receiving an error message. Again called about this, nothing has been done. I 've exhausted my efforts as a consumer and have not choice but to file a civil lawsuit. I will retain an attorney if this is not resolved I have threatened its employees I 've spoken to about a lawsuit and they have ignored it by not taking corrective remedies. 

In addition, I was notified by XXXX XXXX and all three credit bureaus that my account with XXXX has been closed which has caused a negative impact on my credit score. I, again, called today to discuss the status of my account and according to the employee, it was current and open. However asked for a supervisor and call was disconnected, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX XXXX XXXX advised that XXXX XXXX was willing to resolve my account in full for 75 % of the total balance due in the amount of {$630.00} as to which was paid on XX/XX/XXXX. i received confirmation from XXXX XXXX that the balance was paid in full as of XX/XX/XXXX and documented on my credit as being paid in full and removed as of XX/XX/XXXX. But, XX/XX/XXXX I received a email collections notice for the balance differences between the settlement amount of {$630.00} and the original balance amount of {$840.00}. The difference was XXXX was sent to another agency for collection called The CBE Group , Inc. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX {$XXXX} overdraft fee XX/XX/XXXX {$XXXX} overdraft fee I would like these refunded, as they charged me overdraft fees despite me having an inbound deposit for several days that they were stalling on and not properly processing. It was not the fault of my own my account was low balance. 
Navy Federal refused to properly process my paycheck deposits which resulted in them then fining me several times, and when I called in and pointed this out they only refunded a portion. They charged me a tax of over 60 % of what was overdrawn. 

On XXXX XXXX I brought my account current the same day the transaction even posted. I had a {$XXXX} transaction which they Charged me {$XXXX} in overdraft fees for ( 333.33 % interest!!! ) even though I deposited {$XXXX} that same day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit company " PNC Bank '' is reporting late payments on all 3 credit bureaus. 
dates : XXXX and XXXX year:XXXX. I did not give permission or consent for " PNC Bank '' to give a third party, which is the " Credit Bureaus " authorization to report late payments. I have never had the opportunity to Opt Out of any information being disclosed to a third party. Clearly this is a violation and this is hurting my credit score.

( Action ) The action that was taking was me send a dispute letter to the company ( PNC Bank ) and this.

pursuant to 15 usc 1681 ( 2 ) ( A ) ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report ; So that means any transaction between the consumer, which is I, XXXX XXXX and the " person '' which is the creditor, " PNC Bank ''. 

Pursuant to 15 usc 6802 ( b ) ( 1 ) ( A ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to modify my loan currently held by Specialized Loan Servicing. I  believe this loan is a predatory loan as the interest rate is 11.3 %. It is a purchase money loan which I got before the financial crisis that occurred about 10 years ago.. I did not receive any invoices for quite a long time and was told the loan had been forgiven. I'm now told by SLS that I am in default and risk foreclosure. Between having thought the loan was forgiven, the missed payments and the exceedingly high interest rate SLS is telling me I owe them 1/3 of the amount now owed on the loan. The balance is much higher than the original loan amount and I just can not afford that kind of payment They just refuse to work with me and denied my request to modify my loan. This lender is not considering that the current interest rate on my loan is completely out of line with interest rates that have been granted in the last several years.

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