BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Nelnet, Inc.
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by a third party student loan debt department located in California so they say called XXXX XXXX. They offered to consolidate my student loan debt and take it off of my government approved loan provider. It sounded promising at first and desperate as I was to help myself with my {$15000.00} debt of student loans I signed some forms and was willing to pay a starting fee of {$150.00} for them to begin a process to put me in a repayment program. This was done yesterday. They changed my password for my fasfa and I was currently waiting approval. This morning I did a little research on the company and a majority of what appeared was about debt scams and one of the red flags people talked about was an upfront fee of {$150.00} just like they offered to me to begin. I contacted my loan provider Great Lakes this morning and they told me that the repayment plans they offer are free and it was most likely a scam. My fasfa has a lot of my personal information in the system so I changed my id and password. I contacted my bank and notified them that once the {$150.00} is charged Ill contact them again to stop payments to whatever provider is charging me. I feel like these student loan forgiveness programs have been trying to catch me since 2016. They all say their companys are located in Cali. Some offer to transfer you to a representative once they have basic info but this one handled everything by himself. Bashing any known and certified government loan provider that they will help you benefit more than others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
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:
The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Home Point Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 : Filled out the paperwork for our XX/XX/2021 first payment with homepoint financial after our refi. Requested Flex pay, meaning half the payment came out the XXXX of the month and the XXXX half the XXXX. Was told after calling several times everything was setup. 
XX/XX/2021 : XXXX full house payments where drafted from our account. I was told i couldnt get a refund on the second house payment for XXXX business days. I decided we would just pay XXXX and XXXX. I was told XXXX autopayment was setup for XX/XX/XXXX for our full house payment. 

XX/XX/2021 : A refund for the second house payment in XXXX was given with no notification to us. 

XX/XX/2021 : Received a notice our XXXX payment was late. Called and explained, and asked why I received a refund and no one let me know. They didnt have an answer. Paid XXXX and made use XXXX auto draft was setup for XX/XX/XXXX for full house payment. 

XX/XX/2021 : Nothing was drafted from our account on XX/XX/XXXX. I called and made the payment and confirmed auto pay for XX/XX/XXXX and was told this would be resolved. 

XX/XX/XXXX : No payment was drafted and issue still not resolved and XXXX didnt call me back with an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year I was contacted by a collections company for a presumed debt at a medical facility. I informed them that the debt was not me and they said they would investigate the situation. Instead of doing so the debt was sold to another collections company this year who has now reported me to my credit houses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt with XXXX XXXX was paid via insurance. However, there was an issue with billing or payment processing by XXXX, and XXXX placed the account for collection after it was paid. 
Trans World Systems Inc ( the collection agency ) received the account and reported it on my credit. 

I submitted a dispute via XXXX, XXXX, XXXX XXXX and the debt collection company in XXXX XXXX. 

I was denied credit recently because of the negative report. 

I followed up with XXXX, the validated today XXXX XXXX, XXXX, the account does not exist any longer. 

I called Trans World Systems today, XXXX XXXX around XXXX EST, the rep acknowledged my dispute was on record since XXXX, but they were unable to obtain proof from XXXX, and then said they will not remove it from my credit. 

This is a willful violation of the FCRA. 

Then, the rep attempted to collect on the debt after acknowledging it was in dispute in their systems. 

When I informed her that the debt was paid, she just violated the FDCPA by trying to collect on it, and was violating the FCRA by not updating my credit, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX time, I received a phone call from XXXX on my cell phone. The automated message indicated that they have attempted several times to contact me regarding my credit card account, and they have exhausted options in order to reach me on how XXXX XXXX can help me lower my credit card interest rate. The automated message only indicated it was from " XXXX XXXX '' and was deceptive to make me believe something was wrong with my credit card account. I hung up and called the XXXX number back, and it was from XXXX XXXX XXXX XXXX XXXX. I attempted to bypass the automated options, in order to talk to a customer service representative, as I was concerned I may have a credit card opened unknown to me. I could not bypass the automated options, and instead conducted a XXXX search on XXXX XXXX XXXX XXXX XXXX XXXX and determined this was a CITI Credit Card Product. I conducted CITI directly at XXXX at XXXX XXXX XXXX XXXX time to complain about the unsolicited and deceptive automated message with the customer representative. The customer representative took my complaint and apologized. I wanted to share my complaint, as the automated message that called me originally was very deceptive at making me feel like I had an account issue, rather than marketing it as an option for lowering your credit card rate. In addition, I do not own or have a XXXX XXXX XXXX XXXX XXXX in my possession, nor have I ever had XXXX issued to me by Citi. I feel this was an unsolicited marketing activity, that should not have been provided to me since I am on the DO NOT CALL LIST. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lexus nexus is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 received mobile alerts on my phone that said Inquiries have been added to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2022 I have not authorized anyone to pull my credit file.

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 2021-11-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
on XX/XX/2021 XXXX XXXX reported an unauthorized inquiry to experian and XXXX. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies on XX/XX/2021. no 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 explanation
Consumer complaint received 2019-08-07
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have an XXXX Mastercard through Barclays Bank Deleware. This card has Trip Delay benefits as advertised. A flight that I booked entirely with this credit card was delayed and caused my trip to be delayed by approximately 24 hours. This trip was booked with my credit card for my mother. During this delay, my mom stayed in a hotel for one night which I paid for while expecting the Trip Delay coverage to reimburse me for these expenses. I filled out the necessary paperwork to file a trip delay claim ( See attached items ) and was told I would receive a response within 7 business days. Not only did I not receive a response within 7 business days, but I needed to call repeatedly after this period to prompt action from the company ( I provided all necessary documents on XX/XX/XXXX and did not receive a response until XX/XX/XXXX ). When I received the response, I was shocked to see my claim was denied due to the legal wording of how Barclays defines what is a " trip. ''

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 2022-03-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
There are five invalid transactions showing on my bank statement and I would like to get it fixed as soon as possible. On XX/XX/XXXX, {$20.00} was deducted for American wager XXXX NY, which I am completely unaware of. Second transaction occurred on same day, it was {$5.00} deducted for XXXX XXXX Third and fourth transaction took place on XX/XX/XXXX. It was {$25.00} that was deducted for XXXX XXXX XXXX XXXX and {$5.00} was detected regarding XXXX XXXXs. Last but not least, today a new transaction occurred for XXXX XXXX  and it was {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, 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:
This account was placed during COVID-19 2020 eviction moratorium and should be removed. Can you assist in removing this account from my credit file XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, to TransUnion XXXX, disputing inaccurate reporting of bankruptcy on my credit report. 
XXXX See attached letter ). 
The letter was signed by a representative of their company on XXXX/XXXX/XXXX. 
At the 30 day mark, which was on XXXX/XXXX/XXXX, I did not receive any correspondence, nor had any changes made to my credit report. 
On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, again regarding the inaccuracy of their reporting and notifying them of their violation of Federal Law, by not replying to my initial request in a timely manner. The letter was signed for by a representative of their company on XXXX/XXXX/XXXX. 
( See attached letter ). 
On XXXX/XXXX/XXXX, which is well over the the 30 days allowed to complete an investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), TransUnion XXXX sent a letter stating that the results of the investigation was " information updated. '' Again, NO changes were made to my credit report, i.e. ; removal of the inaccurate information or that there was a dispute note added to the listing on my credit report. 
On XXXX/XXXX/XXXX, I sent a letter to XXXX XXXX, a third party vendor reporting agency, disputing the accuracy of bankruptcy on my credit report. 
( See attached letter ). 
On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, to TransUnion, XXXX, along with a letter from The United States Bankruptcy Court,  XXXX XXXX XXXX Pennsylvania, stating that they do not have any relationship, nor provide credit reporting agencies with any information. 
XXXX See attached letters XXXX. 
On XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I received letters from TransUnion XXXX, stating that the results of the investigation was " verified as accurate. '' On XXXX/XXXX/XXXX XXXX XXXX responded to my initial letter dated on XXXX/XXXX/XXXX, and deleted information in their bankruptcy records based on my dispute related to case number XXXX. 
XXXX See attached letter ) I am filing this complaint today in order to have TransUnion XXXX, remove this inaccuracy from my credit report. 
They violated federal law by not responding to my initial complaint within 30 days, as well as ignored a letter from The United States Bankruptcy Court stating that they do not provide information to credit reporting agencies. 
The letter from XXXX XXXX CLEARLY states that bankruptcy information has been deleted from their records.

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 2018-03-29
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by XXXX this morning that I had a new collection on my account. I did not recognize this debt or the biller. It was listed as a debt I originally owed to XXXX XXXX XXXX, and the collectoin agency is COMMONWEALTH FINANCIAL SYSTEMS. I called commonwealth and tried to gather information about my debt however they would not tell me anything or any information at all without me telling them my social security number. They never not once asked me for my date of birth. I reluctantly did so and proceeded to hear things that made me very angry. They stated that the debt was for my son when i rushed him to the emergency room in XX/XX/XXXX. I DONT HAVE A SON. They never gave me the exact date of the debt but they stated it was in the amount of XXXX . They also said my birthdate was XX/XX/XXXX. For the record I am XXXX years old. I then told them that this was a false debt and I am not paying it. It does not belong to me and I need them to take it off of my report. I also asked them to show me proof of this debt. They told me the only thing I can do is call the original collector and have them remove it. I reluctantly did so. When I called XXXX XXXX XXXX billing department, they did not have any debt for XXXX $ on record. Again, Commonwealth stated that this debt was for my son whom I was financially responsible for. I am furious at this company and have read many reviews online with people who suffered similar issues with this company. I would like them to be held accountable for these fraudulent debts and this to be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Greetings, I am writing to let you, CFPB know, that on XX/XX/2022 at approximately XXXX pm, I XXXX : XXXX, beneficiary entered into Ashley Furniture in XXXX, CA for a consumer credit transaction as I am in dire need of a bed mattress. The finance company is Synchrony Bank credit card services with reference number # XXXX. As I committed to my end of a contract, I provided the SSN associated with my Estate, and I was denied an extension of MY credit, which is unlawful. This is now going to result in a hard credit inquiry on my account without an account attached, which is a violation of my rights as a consumer. Please address this matter immediately with Ashley Furniture. The bank used for this credit approval is Synchrony Bank.

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 2017-10-30
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against BLOOMINGDALES. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in 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 2017-10-30
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against XXXX XXXX. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without my authorizacion is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in 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