BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Citizens Access savings account. 
On XX/XX/2021, I electronically transferred approximately XXXX from this account to my business account at XXXX XXXX XXXX. The transfer was supposed to happen within 2-3 business days. As of XX/XX/2021, the transfer was not completed, although my Citizens account reflected the withdrawal. I contacted Citizens Access and was told that it would be investigated and that someone would call me the following day. As of late evening on XX/XX/2021, I had not received a follow-up phone call. I contacted Citizens Access again this evening. After an additional 45 minute phone call, Citizens Access was completely unable to tell me where my money was. They confirmed it had been withdrawn from my account, but they werent sure where it went. All account information was confirmed. I am not sure how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
State: WI
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:
on XX/XX/2019 I initiated a dispute with equifax to update my account with XXXX XXXX XXXX XXXX It is showing as an installment loan but it actually is a revolving line of credit with a credit line limit of {$7500.00} Equifax refuses to speak directly with them to confirm this I have made the suggestion that we do a three way call with XXXX XXXX   to resolve this on XX/XX/XXXX I contacted XXXX XXXX from XXXX XXXX to confirm this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called several different times to start a deferment and was approved for information to be corrected by navient about late payments. But when I look on my credit report it says different causing my score to change. It looks like lve been missing payments. When I was told I had a certain amount of time to pay or submit proper documents about my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Experian Information Solutions Inc.
State: CA
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:
The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.

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 2021-01-23
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CONVERGENT OUTSOURCING Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX  Monthly Payment XXXX Original Balance XXXX  Highest Balance XXXX Months Terms XX/XX/XXXX On Record UntiXXXX XXXX On Record Until XXXX Balance Updated XX/XX/XXXX XXXX 
They have called and said it will be on my credit report until it is paid and also they have said this is a debit from 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 2023-08-18
Company: Affirm Holdings, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a victim of identity theft.! I need these 2 accounts removed off my credit file IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion, XX/XX/XXXX & XX/XX/XXXX are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number XXXX. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number XXXX. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number XXXX. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all XXXX active XXXX  student loan accounts noted at department of education/ XXXX off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. Transunion have reported 18 active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of EducationXXXX XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.

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 2023-07-05
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan balances were totally wrong ( $ XXXX missing ) after my mortgage loan was sold by XXXX to loancare.com. Loancare is not responsibily working with XXXX  to correct the situation. XXXX did unauthorized payment reversals and other weird changes prior to the mortgage sale.

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 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACOUNT # XXXX ORIGINAL CREDITOR : XXXX. I wrote to them on XX/XX/XXXX for validation they received the letter on XX/XX/XXXX. They responded back on XX/XX/XXXX past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. Please have them send me something bearing my signature. I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : XXXX ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, XXXX vs. XXXX XXXX. Extent of damages incurred by the wronged partly as deemed by the courts. XXXX ) Liability : XXXX XXXX XXXX - the Defendant consumer reporting agency unsuccessfully argued that, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. XXXX ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA XXXX XXXX XXXX, XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX. Extent damages incurred by the wrong party, as deemed by the courts. Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I have maintaining a careful record of my communication with you for purpose of filing legal matter

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 2020-06-02
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 for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140.00} XXXX  XXXX {$660.00}

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 2019-05-31
Company: United Collection Service, Inc (FL)
State: IL
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:
My name is XXXX XXXX. In 2016 a debt was incurred for " XXXX XXXX '' using my social security number ending in XXXX for XXXX XXXX XXXX. This debt does not belong to me, has not been validated, and the collection agency as well as XXXX is till reporting and the investigation has exceeded 30 days without validation. I have called them and they have refused to speak to me because the debtor is " XXXX XXXX ''. They are not in compliance with FDCPA nor federal consumer protection laws. Their inaccurate reporting has adversely affected my quality of life and has caused undue hardship.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I applied for Loan Forgiveness and was denied. My loan was {$6000.00} & now is {$8000.00}??? 

I worked 28 years as a XXXX XXXX. I've been making Student Loan payments for 15 years and my loan has gone up in Debt by {$2000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi, last time I use my credit card was In XXXX. And in XXXX XX/XX/XXXX I was received a text from the credit card company how is a fraud in my account I was go in my account and I was see XXXX transactions what I didnt made, right away I called the bank and I was let them know is a fraud in my account. I open a claim right away and after XXXX month the bank was mail me how Im responsible for that transactions because was used the chip and they cant do nothing about it. After I was go to the police and I make a police report and I also go to the store from where was make the purchase and I asked the store if they can give me the receipt and at the store I give them the credit card and they was looking in they computer and they said they dont have nothing buy with this card in that days they was let me know the last time this card was used was in XXXX XXXX. The credit card company name is Citi Bank Best Buy and the purchase was made at Best Buy XXXX XXXX in XXXX XX/XX/XXXX the amount of XXXX XXXX and the other one was made at XXXX XXXX station in XXXX XXXX XXXX I XX/XX/XXXX I reopened the case again and I provided the the police report number and I asked the if they can provide me the receipt. I XX/XX/XXXX I called again the credit card company to see way they didnt credit my account back until the dispute or case is done and they was let me know that when I open again the case they closed right away they didnt give me a explication and the credit card company didnt notified no mail no email nothing. Thanks I advance

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 2021-04-27
Company: U.S. BANCORP
State: OH
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:
My US Bank XXXX rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.

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 2020-09-04
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was in forbearance due to COVID. When I was ready to end forbearance on XX/XX/2020, I called and made full payment to bring mortgage current. Instead, Amerihome put one of the payments in a suspense account. When I noticed XX/XX/2020, I contacted the company and requested the payment be applied correctly. I was told it would be resolved within a couple of days. Now it is XX/XX/2020 and my payment is still not applied correctly so it appears I am 30 days behind. When I attempt to make a payment, their system will only accept 2 payments to " catch up '' even though I am not behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Information used to verify identity over the phone is outdated, misleading, and an effort to discourage and deny a copy of my consumer report that I am entitled to. 

Specifically asking trick questions of what neighborhood I lived in 25 years ago and that is no longer on my report. The options were XXXX XXXX instead of XXXX XXXX causing me to fail that question. 

Asking the specific amount of a current loan that was financed within hundreds of dollars apart making it difficult to say with out having a credit report in front of me causing me to fail that one. 

Asking about a county I lived in in XX/XX/1989 ... 30 years ago Who do I know that lives in a city I have never heard of. 

This outdated, misleading, and trick questioning is unreasonable and causes an undue burden. This is considered to be done willingly and with malice.

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 2019-03-01
Company: EQUIFAX, INC.
State: NY
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:
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an XXXX report had been file and it's attached to this complaint, a police report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2023 I discovered that my American Express credit card account had been closed months earlier. 
I contacted them via phone and was told that my account was closed due to inactivity and my points were gone, and I had no other way to reclaim them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My loan was supposed to be discharged in my XXXX XXXX XXXX XXXX 2008. 

Bk # XXXX My loan was a private career training loan by Sallie Mae Now it is serviced by Navient. I have been required to pay since 2008

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  XXXX  XXXX  #XXXX  is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt

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 2019-03-01
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly asked this hospital to remove my number from their robo calls. They continue to call everyday, twice a day.

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 2019-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX  in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan

Company response to consumer: Closed with explanation