BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: Convergent Resources, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX XXXX XXXX, and CONVERGENT OUTSOURCING , INC . I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and CONVERGENT OUTSOURCING, INC with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I complained that this company was stealing money from me by not automatically withdrawing payments from my account, as they had for years. They respondded with more lies ( stating they had tried to call us- and we can prove they did not ), and your service stated the case was closed. I paid off the entire balance after calling to see what the ENTIRE BALANCE WOULD BE ON THE NEXT DAY, and sending the check nexy day USPS. The check arrived just as it should have, yet they charged me more money as a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
To anyone reading this, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still haven't responded to me and i think that is not right. Please delete those negative items so I dont have to spend for taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: ROBINHOOD MARKETS INC.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX does not disclose transfer schedules and wait times to transfer money in and out of account clearly. They hold onto money for unnecessarily long periods of time and cause financial harm by not having a system that operates continuously or reliably and has no customer support available. There system has many outages and problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive 3-4 calls daily and when I answer they hang up. This started in XXXX XXXX,2017. They have changed numbers several times and I 've blocked numerous numbers that belong to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not have any record under my name and they also informed me it is the policy of all bankruptcy courts to not report any information to the credit bureaus. They also mailed me a letter explaining noXXXX  record and the court policy on reporting to bureaus. I demand that you remove the bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. You have 30 days to remove the bankruptcy from my credit report or I will file a lawsuit with the federal district court in my area.

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 2021-05-28
Company: United Collection Bureau, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Collections Bureau is attempting to collect illegally on a medical debt. 

I have sent them three notices, 93A Demands, via certified mail. They failed to provide proper validation of their claim and continue to report to the bureaus in violation of federal and state law. 

In the state of MA under XXXX XXXX XXXX CMR XXXX : Unfair Practices AND XXXX XXXX : General Unfair or Deceptive Acts or Practices - a debt collector may NOT place their name on a consumer credit report. UCB has broken this law. 

UCB has failed to provide proper validation of their claim to show Proof of Assignment, the contract showing they own or represent the account, in violation of MGL Chapter 106 UCC section 9-405. 

UCB has failed to provide proof of their claim under federal or state law requirements. No signatures or ledgers on the alleged account were provided. 

In fact, after receiving the third demand for action UCB refused to comply in anyway stating a refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, Citibank issued a Citi Secured Mastercard to me secured by a {$1100.00} Collateral Holding Deposit. On XX/XX/XXXX, I sent a letter to Citibank requesting that my secured card be transitioned to an unsecured card and my {$1100.00} deposit be returned to me in full. 

On XX/XX/XXXX, Citibank sent a letter to me within which the company stated " We respectfully decline your request to release the Collateral Holding Security Deposit. '' This constituted an adverse action in response to my request of XX/XX/XXXX to transition my secured card to an unsecured card. In taking this adverse action, it appears that Citibank : 1. Engaged in an adverse action as defined within the FCRA 15 U.S.C. 1681 603 ( k ) and the ECOA 15 U.S.C. 1691 701 ( d ) ( 6 ) as implemented by Regulation B of the Board of Governors of the Federal Reserve System.

2. Violated provisions of ECOA 15 U.S.C. 1691 701 ( d ) as a result of engaging in the adverse action. More specifically : A. If Citibank based its adverse action upon some alleged deficiency lawfully attributable to me, none was cited and lack of disclosure would appear to constitute an unlawful impediment to my exercising of my statutory rights. 
A. If Citibank took actions to seek and obtain information about me from parties external to Citibank, none was disclosed as required by federal statute. The lack of disclosure would appear to constitute an unlawful impediment to my exercising my statutory rights.

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 2019-05-22
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
at closing we paid {$1200.00} because Flagstar bank said amount was due to satisfy fees for lawyers. said fees were for foreclosure, when in fact no such foreclosure was taking place. closing was on XX/XX/2019. we received a statement from flagstar bank , dated XX/XX/2019 saying they owed us {$1600.00} from escrow account and it would be paid in 20 days, no such funds have come tous.on XX/XX/2019 i called flagstar for status and was told no money would be coming to us as the moey went to foreclosure and lawyer fees.I fuly feel we have been taken by this bank and would like an explanation and restitution.

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 2017-11-28
Company: SLM CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a savings account and investment account that was closed for no reason. The company gathered all my personal information. Took my small opening deposits, and closed my account. There was absolutely no valid reason to close my account. When speaking to repeesentative over the phone I was treated very poorly and unprofessional without any real answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: IN
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 have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX for this account however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month inXX/XX/XXXX and received the same 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 2020-05-04
Company: Experian Information Solutions Inc.
State: AL
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 {$200.00} was paid by chaper XXXX and it has been placed on my report several times. 

XXXX XXXX- account belongs to XXXX XXXX I wrote to have my name removed from this account due to it was added without my permission. 


XXXX XXXX is not my account. 

XXXX XXXX refused payments due to I wouldn't renew my loan. 

XXXX XXXX is not my account XXXX XXXX supposed to fixed the merchandise and never did. I spoken with the manager at the location. Also advise them to come get it back.

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 2021-09-13
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am currently in the middle of a refinance with another lender and Midland mortgage has made it a pain to try and get documents for me to close on my refinance. Ive requested a document which we are going on a months time and still havent received it. I feel like they are preventing me from refinancing the loan and have been the worst mortgage company Ive dealt with. Every time I call no one is capable of helping me or sending me the right documents. We are in 2021 I shouldnt have to fax things over and hope they receive it since I do not get any confirmation. Im hoping they can get their things together and look to help out their own customers. It makes me very upset since its costing me money every single day that I have to wait for them to send me something that is so simple and could be easily emailed over even if its in a few days NOT MONTHS! Midland mortgage has been a pain!

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 2021-05-28
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been a CashApp user since 2018 with no problems, starting two months ago I noticed people I didn't know trying to get my account to send them money, I have about 5-10 requests for money from me, ranging fron $ XXXX {$500.00} which only {$1.00} was taken from my account. I notified CashApp about the problem. i was told to log out, when I logged back in I was made to make a second account, I notified CashApp again, I was told to log out again, when I logged back in a third account needed to be made, all while tiring to get back to my first account which has a total of {$40.00} in it, I have so many emails which only asks me to copy and paste the same information over and over. CashApp has yet to help me retrieve my original account or my {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX XXXX XXXXXXXX {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Incorrect names are reporting on my credit report. 

XXXX XXXX XXXX XXXX Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$670.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/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 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
To whom this may concern, On XXXX XXXX, 2017 I filed a dispute online through TransUnion online dispute center via XXXX XXXXXXXX XXXX website. The dispute is due to an account from XXXX XXXX XXXX in the amount of {$860.00} that is on my credit report that i did not authorize. They gave me a Estimated completion date of XXXX XXXX, 2017. However, it has been well over 30 days since my initial dispute. I am in the process of building credit and this account is damaging to my credit health. Furthermore, this is a violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Sent a check by mail with a copy of my statement on XX/XX/19. The check cleared on XX/XX/19. I contacted the company on XX/XX/19 and was told no payment received. Contacted the issuer of the check on XX/XX/19 and was advised that check had cleared on XX/XX/19 and they would email a copy of the cancelled check. I contacted the company on XX/XX/19 and was advised that still no payment received and that I would need to send proof of cancelled check. Was told that process would take 25-30 business days to resolve. Copy of cancelled check sent to fax number given.

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 2020-07-28
Company: WELLS FARGO & COMPANY
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:
XXXX Was charged a total of {$170.00} in bank overdraft charges over the last week. I am struggling financially due to COVID-19 issues and issues with unemployment and am unable to make bill payments because of these bank charges. I am already charged a $ XXXX  monthly fee. 

Company refused to reverse charges. Is there anything you can do to 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 explanation