BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting a collection account with XXXX XXXX XXXX as open with a balance when the account has a {$0.00} balance and has been closed. I submitted a letter from XXXX stating I have a {$0.00} balance and that my account is closed and that they will request my information updated as such with the credit reporting agencies and derogatory information would be deleted. XXXX XXXX and XXXX  have since deleted all information from XXXX XXXX from my credit report yet Experian refuses to do the same. I opened a dispute before I had that letter and Experian rejected my dispute once I received that letter I uploaded it in support of having new information to support my dispute but they still insist that account is open with a balance of {$750.00} I have a letter from that company saying the opposite they say my account is closed and I owe them {$0.00} but Experian wont accept it. It gets removed from my account next month because of how long its been on my report but it isnt fair Experian wont comply.

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 2019-03-27
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After experiencing life 's hurdles, I have since been from unemployed and struggling to trying to make ends meet and keep up with my Navient XXXX Loans. 
I have attended the XXXX XXXX of XXXX and graduated in XXXX. The school has been Sued and Closed due to pressure tactics and false information to student during enrollment. 

I have gracefully notified Navient of this change. I file a Borrower 's Defense to Repayment and have had my federal loans waivered until XXXX. Navient did not notify me of the update until I contacted them for an updated after several weeks of checking their hotline : XXXX. 

Afterwards I continued to see what my repayment options were for my XXXX XXXX Loans. For some time I have been given the option to pay {$50.00} to put my account on hold status with interest accumulating for 3 months. I have done this numerous times until my financial status changed for the worst. 

Again, I notified Navient of my status changes along the way. I continued to be directed to pay {$50.00}, even after I discussed only having {$25.00} in my bank account. 

I attempted to ask a representative in recent months about submiting my Borrower 's Defense to Repayment application via email portal online for possible review because my school has been sued. I was notified the application doesn't qualify for private loans. I re-stated my case for special circumstance on not JUST the school closing, but because they were SUED, my application should qualify for someone to look at. 

I was given specific instruction on how to send it through email online. I went to the site and after a grueling 30min of searching, there is NO email upload option for private loans. There is ONLY the option to send a message. I sent messages about how to upload my application, only to get a phone number to contact. 

I contacted the phone line and was told that I can not send it to them and to apply for a school closure form. My question to Navient was " what are the contingencies? '' The representative asked my questions about graduating recently. I informed her my details of graduating in XXXX. She stated I can try to fill out the form that is coming in the mail 7-10 business day, no online form. I asked for a contact number for payment options. I was given to Navient XXXX line where I learned I am in Default and have 2 days to pay {$400.00}. 
The representative XXXX informed me that I dont qualify for the XXXX XXXX application. I asked why would i be directed to that if I didnt? He stated : I don't know. 

My credit is ruined and I don't want to attend any court proceeding. I have gracefully paid navient on loans in the past and have been desperately trying to find other options for payment. 
I have received a constant time-sensitive run around between reps giving me other contact info and coming to a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-07-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/20, I deposited four money orders and one cashiers checks to my account totaling {$2400.00} My monthly banking statement didn't reflect this deposit. I have complained to Wells Fargo and they said they have no record of the deposits even though I've shown them a receipt of the five checks deposited. They said their ATM malfunctioned. I take that as meaning they lost the checks. So I asked them to credit my account or give me back my money orders which we know they have because I have photograph proof of the deposit. This happened in XXXX, NC. at XXXX. Transaction # 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 2022-12-05
Company: Experian Information Solutions Inc.
State: GA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2019-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
the one called is ( XXXX ) XXXX portfolio recovery is the name they use they call 4 time last week they call today at XXXX I have told them 3 time before it not the woman who there calling phone but they keep calling please make them stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hope all is well during this covid-19. Listen, i normally go to the store to pay the bill because i never receive statement, however, due to COVID-19 and the store being closed down, I was shocked when I reviewed my credit report and found late payment mark on XX/XX/2020 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been calling Shellpoint at least once a week since mid XXXX regarding a tax bill that was paid LATE by the company from my escrow account for my Town of XXXX taxes. Since it was paid late by Shellpoint, the late fee is Shellpoint 's responsibility. They used MY money from MY escrow account to pay the late fee of {$130.00}. I received a letter from Shellpoint ( attached ) admitting their error & I would be refunded this amount. I also was told over the phone multiple times by multiple agents ( on recorded lines ) that I am entitled to the refund. Every time I call I start the process over of explaining the situation. For almost 2 months, I am told it is pending, or it will be in review for 60 days, or it will be 3 to 5 business days to review & call me back, or sometimes told there was no error! Supervisors escalate the situation & say they will call me back but never follow through. Blatant lies on many occasions. I am still waiting on my refund and want my money now. I am done waiting. This is their error and the amount of time and effort I spend weekly on this is unjust.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: TN
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:
Hello, I have contacted all three credit bureau about my credit inquiries that I did not allowed or give them permission to run a credit check on me. I asked can they help me investigate the matter from XXXX, Equifax, and XXXX. I have not heard anything back from these 3 bureau 's. 

I was told that if a company run a credit check on me and within 14 days if I give another company to run another check on my report it will count as 1 hard inquiry. As noted on my credit report each inquiries was ran within that time period and it shows on my report I had 9 hard inquiries.

From my calculation it suppose to be only 4 inquiries not 9. These credit bureaus refuses to make the necessary correction to my report which is causing damaged to my repot and score. Each one of the inquires was ran around the same time period within the time frame. But it count as each individual inquiries which affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted XXXX, Equifax and XXXX   about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I purchased a subscription to XXXX XXXX and was immediately asked to respond to verify the purchase. I did and was told via text ( you're all set, and nothing more you need to do to use your card again. If your card was declined, go ahead and try again. It should work this time. ) Needless to say I was not happy. And expressed that to Capital One Employee. 
I then received another text message saying ( Don't worry ... we're blocking new purchases on your card to protect your card. Any unauthorized charges will remain on you account until you report them and order a new card. Sign into your account. ) Transaction amount {$130.00} Transaction time XXXX XX/XX/XXXX XX/XX/2018 I have text to support my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I've paid more than I borrowed initially, so this loan should considered paid in full and closed as of today. 

On XX/XX/XXXX, I borrowed {$1200.00} and as of today I've paid {$1600.00} As of today, Speedy Cash records reflectd s Loan Balance of {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: MI
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:
Here is the problem I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.I pulled my credit report from XXXX XXXX  On XXXX I mailed a certified letter to all 3 credit bureaus, XXXX, XXXX and Experian. 30 days after they received that letters they did not update or delete the accounts. On XXXX I sent another certified letter to all 3 bureaus again asking them to do another reinvestigation on the same accounts and again the accounts were not updated or deleted. 

Here is a copy of the original letter I sent out on XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian, XXXX and XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX  # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, Experian reports date XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date of Last Activity : XXXX reports XXXX, Experian reported XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date Of Last Activity : XXXX reports XXXX, Experian reports XXXX Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Sincerely yours, 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 2020-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was reviewing my credit report and saw this account that was NOT familiar to me and I contacted the listing agency portfolio recovery to inquire about this account. 
They could not verify my information to match what they have hence they were unable to establish that I was the correct person. 
However the account I disputed they in response said it belongs to me. 
I have never received any notification from this agency to dispute this fraudulent account that has been opened. 
This is hurting my credit and is against the law to place this account on my credit profile without giving me the right to dispute this account. 
They need to show what legal proof they have to ensure this account belongs to me since when I called they dont even have my correct date of birth associated with this account that they are reporting on my credit file. 
This violates my FCRA ( A creditor failing to notify you when it supplies negative credit information that has not been verified ) please understand what verified means exactly not just a form that this company has mailed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are two inquiries in my credit report that I did not authorize and both inquiries should be removed. 

1- Inquiry from CAPITAL ONE BANK USA on XX/XX/2021 2- Inquiry from XXXX - CARD SERVICE on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/20 I requested my bank ( XXXX XXXX XXXX XXXX  ) to wire transfer {$10000.00} to my XXXX XXXX account and the wire transfer was completed the same day at XXXX. The money was and still never received in my XXXX XXXX. The corespondent bank is Wells Fargo Bank which is who XXXX XXXX uses to receive wire transfers. I have exhaust all means of resolutions with my bank, Wells Fargo Bank and XXXX XXXX to no avail. Attached is the copy of the wire transfer conformation showing that Wells Fargo received the {$10000.00} wire transfer for 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 2019-08-25
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoenix Financial Services keeps calling me to pay them an added amount to the debt I have already paid to the debt originator, XXXX  of XXXX XXXX XXXX. 
XXXX has posted a XXXX balance on my debt but XXXX wants me to pay them the balance of XXXX $ to them, a different amount than the original debt. 
I sent XXXX a copy of the closed account from XXXX by email, which they requested but they still keep calling for a payment of a " new '' amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to refinance my mortgages, and Specialized Loan Services is completely failing to respond to any inquiry from either me, or my new loan provider. I have attempted to contact them repeatedly in the last few days, and my loan provider has been trying for weeks. I've tried via phone and secure message and have been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: Mr. Cooper Group Inc.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX transferred my mortgage to Mr Cooper. After the transfer there were two payments that XXXX XXXX did not send to MR Cooper. They kept the payments for three months and later sent them back to me. Mr Cooper is charging me late fees and reporting me to credit bureaus. They are being really difficult and refusing to remove the late chargers and refusing to fix the credit bureau reports. 
My loan number is XXXX

Company response to consumer: Closed with explanation