BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX, XXXX, my husband and I hired Attorney XXXX XXXX to help us file Chapter XXXX Bankruptcy. We paid him XXXX from our joint checking account but still owed him XXXX to begin the bankruptcy process. 
We did n't have XXXX to pay him the full XXXX so he advised us to do cash advances on our credit cards, but informed us, " We 'd have to wait 3 months to file. '' Within two days we paid him XXXX in cash, but never heard back from him, nor did we ever go to court. 
All of our debt was paid in full despite the fact we never went to court, and our filing date was illegally changed to XXXX XXXX, XXXX, not the year we filed. 
Not only was the year illegally changed, there 's no case number listed on any of the documents, and the documents were changed to look like a divorce. 
I reviewed my credit report from XXXX, and it states, " We filed in XXXX, WI. '' which is part of the XXXX XXXX, not the district we would have filed in, nor do they have jurisdiction. 
I then reviewed my credit report from Transunion, and the have a XXXX address listed, not the court we filed in. 
Had our bankruptcy been filed legally and we went to court, we would have gone to the XXXX District which is located at XXXX XXXX XXXX XXXX, XXXX, WI. 
Bankruptcy XXXX was committed to cover up my husband 's legal last name, the illegal alias he 's been using, and the years of fraud committed because of his multiple identities.

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 2020-08-24
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Um, people are not receive the unemployment card at all. O never got mines and I been trying to get one for four mouths nothing. I just try to call no answer no response. You stay on hold for two hours. Like, if you say that a lie then you XXXX lying ... Sorry to say that. Like, that my hard working money on the card which I didn't get. I just want the unemployment to cancel your guys card and send the money to my personal account no response at all and the unemployment card still haven't show and it has all my benefits on there idk what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navy Federal Credit union has repeatedly garnished our bank accounts for a credit card we had while we were in the military. We had paid for insurance to pay off the debt if we were XXXX due to service, but they refused to honor it, and gave us the run around for 2 years to purposely cause the coverage to no longer apply. They have seized XXXX payments from the VA, which is illegal to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: SYNCHRONY FINANCIAL
State: TX
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:
I was shocked when reviewing my credit report and found some late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2017-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never went to this company onemain on XX/XX/XXXX or XX/XX/XXXX or i never gave no one permission to use my name .. I never had an account wit this company so stop charging me an take off my credit please it was someone else ... I should have to pay for something ive never done or asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company collection of Athens is a complete fraud on consumers violating our Civil rights act, consumer financial and federal credit protection! I DO NO OWE THIS XXXX  XXXX XXXX. Has any one attempted to dial the phone numbers presented on this complainants in the past? I suggest that you do. Because this company has pulled and found illegally medical claims from innocent people who do not owe them as the bills where settled in the insurance transaction and or doctors office! And because coll of Athens has failed to do the right thing this is a major violation Of ones rights and consumer protection! Ruining someones credit and livelihood!! Dr at the XXXX  ( XXXX  ) XXXX even this automated systems if you have my real information shows no balance : : : : XXXX ( XXXX  ) XXXX The Dr already contacted this bogus coll co and they failed to call him back, as he is the biller  and says I dont owe a XXXX! Besides that he does not work with this ERRONEOUS CO TO BEGIN WITH HOW DID THEY GET MY CONFIDENTIAL RECORDS FROM XXXX to say that I owe and I fully do not as of XXXX. Coll of Athens refuse to corporate and update anything because their full of fraudulent activities! 


Receipt Dear Member, Thank you for your recent payment request. We want to confirm that you verbally authorized XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  ET to initiate a one-time Credit Card charge to your account. Details regarding the transaction are below : Also the attached EOB SHOWS CLEAR OF PAYMENTS IF YOU CAN READ AN EOB AND CALL THE DOC NUMBER I GAVE YOU RO CLARIFY THIS ERRONEOUS MIX UP YOUR CLAIMING I OWE!!!!! 
Name : XXXX  XXXX Customer Number : XXXX Confirmation Number : XXXX Scheduled Settlement Date : XXXX Total amounts paid : {$300.00} and {$260.00} ( Insurance paid in coinsurance/deductibles ) The payment will be completed on the Scheduled Settlement Date or shortly thereafter.

If you have any questions or concerns, or if you require clarification regarding this email, please call the number on your ID card. Please do not respond to this email as there is no one monitoring this email address. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  See other medical terms : XXXX  department 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 2018-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX GA XXXX Account Number : XXXX [ XX/XX/2018 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains [ a 30, 60, or 90 days past due date, was past due 120 days or more.

I want you to know that I understand my financial obligations, and if it werent for [ My mum was in a bad medical state and I had to put everything on hold to take care of her ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ I have gotten a better job and I am in a better state financially ]. I will like to make payment arrangement in return to have my late payment history deleted and I promise not to miss one payment going forward.

Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on [ date ]. 
Thank you for your consideration, and I hope youll approve my request. 
Best, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: FL
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 called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened XXXX Credit Card in XX/XX/XXXX. Rec 'd statement {$420.00} XX/XX/XXXX with due date XX/XX/XXXX. Paid on-line via XXXX XXXX, in which a XXXX send a check Tues XX/XX/XXXX which was delivered on my requested date of Fri XX/XX/XXXX in the amount of {$420.00} ; however, XXXX choose not to cash the check until XX/XX/XXXX. 
On XX/XX/XXXX I called XXXX after receiving a statement for {$450.00} ( {$25.00} late fee and {$9.00} Interest charge plus the {$420.00} ), unable to access a customer rep I closed the acct. On XX/XX/XXXX I called Customer Service XXXX and explained to 6 different customer reps ( in which 3 times the reps hung up on me ). That my payment was made timely and I should not be liable if they failed to cash the check and post to my account. I was informed that since the acct was closed I had to made the payment, when questioning how they could credit my account if it was closed they couldn't answer only that the payment had to be made regardless. I have contacted XXXX and was told a check was sent XX/XX/XXXX and I printed payment details reflecting payment delivered Friday XX/XX/XXXX. I pay all my bills on-line ( credit cards, util, etc and never had any late fees. I plan to the {$34.00} late fees however, I wanted to be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC is the bank servicing my mortgage current. PNC bank sent me demand note of & XXXX. Upon enquiring about the charge, PNC came back with an explanation that this was a charge from " XXXX XXXX mortgage '' back in 2015 when I asked XXXX mortgage to reassess my home and remove PMI. 
XXXX  mortgage assessed my house twice in 2015 and I remember paying for the assessment. However since this is 6 years ago, I dont have proof of that payment. 

I remember submitting CFPB complaint ( XXXX ) back in 2015 complaining against XXXX XXXX  and I thought the case was resolved. 

This now seems like a harassment because PNC bank is saying they cant go back to XXXX and I have to talk to XXXX  again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 : sold {$160.00} worth of Doge Coin through Binance.US, sale went through and only showed {$90.00} available ( still hasnt given me the remaining {$70.00} ) Ive attempted to withdraw the available {$90.00} every day since the XXXX ( today is the XXXX ) but have been met with a message reading withdrawals suspended due to risk management mind you Ive followed every single XXXX / authorization process before setting my account up to avoid this. 

On XX/XX/2021 I sold my remaining XXXX doge for USD but Binance.US decided to give me USDT crypto instead of the USD standard - didnt ask for that - then wouldnt allow me to sell for USD for {$380.00} - leaving a total of {$470.00} in my binance.us wallet not including the missing {$70.00} from the initial XXXX $ XXXX sell I have put in multiple support tickets, tweeted the official accounts for binance &. Have reached out to their financial advisor all with 0 answers. Through my research this is a constant issue within this company as they face lawsuits form the very community thats supported them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Information is missing that should be on the report

Complaint:
Experian continues to report incorrect balances and not including all accounts, available credit, usage and payment history. Several disputes filed. 
Dates contacted Experian agency : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -Only reporting one XXXX XXXX credit card. I have two in very good standing -Not reporting XXXX/XXXX  -Not reporting XXXX  -Not reporting 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 2018-11-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18, I received a letter in the mail stating to contact them for assistance through the loss mitigation process. I am current on my mortgage and have never had a late payment. On XX/XX/18, I immediately called the number on the letter. It listed a Single Point of Contact of XXXX XXXX. I spoke with her and she stated that she was no longer servicing my loan. I questioned that because I had just gotten the letter the day before. She basically refused to help me and stated she had to transfer me somewhere else. When she transferred me the phone rang like 25 times and no on answered. I called XXXX back, but she wasn't available, so I transferred to someone else named XXXX, who was knowledgeable and helpful. I explained to her that I did not request loss mitigation and I was current on my mortgage. She reviewed my account and confirmed the same. I asked why I received this letter, she stated that someone made an error. An error!? This is my mortgage and they are sending me letters about loss mitigation when I have never missed a payment or requested that. I have had nothing but problems with this mortgage company since my mortgage was sold by XXXX XXXX to them. They had my personal information all jumbled up in their system, they are calling me at work to get me to refinance, and now they are making errors that I requested loss mitigation, when I didn't request it nor have a ever made a late payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
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:
I have following issues : First, I applied for a Credit Card with XXXX on Friday, XX/XX/2018 and I was told that it was a soft check on my credit. I have a XXXX FICO score and I was told I was not approved because of too many Inquiries when I called XXXX XXXX  as to why I was denied. 

Secondly, I was not aware of many inquiries I had on my Report so when I checked my Experian Credit Report this morning I found that XXXX XXXX  had listed me as a Hard Inquire so I called them and told them this was supposed to be a soft check but they had said well XXXX told you the wrong information and they couldn't do anything to take that inquiry off. 

Thirdly, when I checked inquiries I also found that XXXX XXXX XXXX, XXXX online had brokered out to a couple other XXXX XXXX XXXX XXXX XXXX to add more inquires that I did not authorize and when I called them they said we cant do anything to take any of the inquiries off and when I called Experian they were no help in this regard because they state " You cant Dispute an Inquiry ''. 

In closing, I feel like there is no advocacy for the consumer other than this platform and I need help in resolving this.

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 2019-03-30
Company: WELLS FARGO & COMPANY
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:
In XXXX we paid XXXX to wells Fargo dealer services. Wells Fargo sent us a letter saying the funds were returned. I knew they were fine because I have that account staying st XXXX at all times. That is account i used.. Anyway wells Fargo had me fax in my bank statements. Even after i proved it to wells Fargo they said they could not find the money. How can you lose XXXX??? Well 2 1/2 months later they found it applied to my intrest. It made me 90 days late on my credit report. Im in middle of buying a house. I already sold mine. I don't have any living family members and we have to go to a hotel. All because wells Fargo dealer services. All i want them to do is fix 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 2021-06-23
Company: MoneyLion Inc.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a claim with you yesterday but there have been updates. Money Lion ( which I have no affiliation with ) has withdrawn more funds from my savings before it could be shut down to the tune of {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2020 a representative from Quicken Loans called me and tried to sell me a refinance package. He went on with his sales pitch and put me on hold to go check available packages for me ... He never asked if it was OK to run my credit and i never asked him to run my credit. Later that day my bank notified me that i had a hard hit credit check ... it was Quicken loans. Unethical! He also ordered a mortgage payoff notice for no reason ... .i had NO intention of refinancing because i intend on moving in about a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
By the end of XX/XX/2018 I submitted an application for a credit card in response to an offer from REGIONS. 
On XX/XX/2018 Regions sent me a letter in which the bank states that " after carefully reviewing your application, we regret that we are unable to approve your application at this time ''. 
According to that statement key factors that adversely affected my credit score were : 1.- Length of time retail accounts have been established is too short. My average length of time in those accounts is 10 years or more. 
2.- Too few active mortgage accounts. I do not have any mortgage account because my properties ( 3 ) have been paid in full. 
3.-Insufficient prepayment activity on installment accts over the last year. 
4.- Too few recent balance in full payment activities. 
I pay all my balances in full before the due date. 
Never in my life I have been denied a credit card before by any financial institution. 
My credit score is second to none and my FICO score is XXXX. 
I wander if this is a case of XXXX discrimination since I am of XXXX origin.

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 2018-11-14
Company: AES/PHEAA
State: CT
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:
I have 2 loans ( 1 subsidized & 1 not ) totaling approximately {$50000.00} with Goal but served by AES. The loan started in XX/XX/XXXX with a fixed rate of 6.625 % and 25 year term. For approximately the past 13 years I have been paying a {$300.00} monthly payment calculated and approved by the lender.

In XX/XX/XXXX, the lender increased my monthly payment by approximately 40 % to {$500.00}. I was advised that the lender miscalculated the monthly payment. These loans have never been in deferment or forbearance. Additionally, I have been paying primarily interest only on the balance that has barely decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never had XXXX XXXX or XXXX ; the creditor who claims I owe {$460.00} and have reported to my credit as a collection. I disputed with credit bureaus in XX/XX/2017 and the result came back verified as accurate. Please help remove these items from my credit report. I don't know how the result came back verified-accurate being that I have never had any service with the creditor.

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